davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (RI)

In XX/XX/XXXX there was a late payment reported to the credit bureau by ALLY Financial. They reported that the loan was past 30 days late yet I had not received a phone call to notify me that the loan was late. The mobile app is the only way I am able to review my account and make payments. Upon reviewing my account through the app on XX/XX/XXXX it stated the regular payment of {$290.00} was due on XX/XX/XXXX for our first auto loan account as well as {$590.00} due on XX/XX/XXXX on the other auto loan account. The payments for both accounts were made on XX/XX/XXXX ( we have a 10 day grace period for all payments ). After seeing this reported on my credit report I called Ally to correct this problem as I made the payment on time according to the mobile app. They stated they were unsure why the app listed a payment date in XXXX since the payment was actually due in XXXX yet the amount due was only that of a regular payment and did not say there was a past due amount as it should if the payment has lapsed. The same statement appeared on the account in XXXX, telling me the payments were not due until XX/XX/XXXX. Those payments were still made on time. I have screenshots of the app and the incorrect payment due date and have offered to email them to Ally so they can correct this. The representative had stated they can not accept a screenshot of the app. A call was made in XXXX to report this issue and a report was filed with their credit department. I was told they would call me within 30-45 days to update on the issue. I never received a call. I called again in XXXX since the time had lapsed for the report to be reviewed and again they said they would file a report with " high urgency '' and I would be contacted after the case was reviewed again. Still I did not receive a call. My husband XXXX XXXX who is also on the account called on XX/XX/XXXX to see if he could speak with someone regarding the issue. They stated they never received a call from myself and they were unable to locate the 2 previous reports. He requested to file an additional report with " high urgency '' and that has been processed. We have not heard back from any representative yet.
Consumer complaint received 2018-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I am a victim of identity theft. The following XXXX XXXX XXXX XXXX credit card account : XXXX thats listed on my Equifax, XXXX and XXXX XXXX credit report, is a fraudulent and unauthorized account. The account is not mine. I never applied for a credit card account with XXXX XXXX XXXX.
Consumer complaint received 2015-07-07
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: VW Credit, Inc (FL)

I purchased a new Volkswagen on XXXX XXXX, 2015 and financed it through VW Credit. I financed for a long term but knew that I would pay ahead. To date I have made XXXX payments and they are not reflected on their web site. First I was told that the site was unable to show balance due and payments but I could request an email from them for this information. When I told them this was unacceptable and that the information should be available at all times they said it would not be available until I had made XXXX on time payments. I financed my last vehicle through a credit union and this information was available at any time at their web site. Withholding this information is just not acceptable.
Consumer complaint received 2017-06-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (TX)

Issue with AES misapplying student loan payments in late XX/XX/XXXX/ early XX/XX/XXXXand after payment correction they reported one of the loans as defaulted on my credit report and on their website. I submitted this letter via website and via fax to AES. This issue has not been resolved. Account # XXXX - Loan Sequence # 2 AES has a confusing practice of handling loans. The reps do not relay the same information from call to call. Mishandled payments and told me everything was ok after payment resolution and then they proceeded to report a defaulted loan. One account number with 3 loans and I could never talk to one rep about all 3 loans. <P/>RE : URGENT - Appeal Request - Reinstate XXXX Loan Request I am requesting an Appeal to reinstate the XXXX Loan ( XXXX ) currently in Default Status. I have two other loans ( XXXX Loan - Type XXXX ) and ( XXXX Type XXXX ) that are both in good standing. My account history will show that payments were always on time until the misapplications of payments began to occur in XXXX. Over a five month period inXX/XX/XXXX ( XX/XX/XXXX ) calls were made repeatedly to AES requesting that payments be re-applied correctly. It wasnt until Supervisor XXXX ( check my records for her rep id ) suggested that the problem required a review of the entire account in order to accurately correct all misapplied payments. Prior to this time the reps were only requesting investigation department correct the month in question and not going back to first occurrence of the problem in XX/XX/XXXX. InXX/XX/XXXX there was one more occurrence of misapplied payments. After each request a follow-up occurred to see if the correction was complete and each time the representative stated that the payments were corrected and that the entire account was current. On, XX/XX/XXXX I spoke with two reps prior before speaking to a supervisor for assistance. Supervisor XXXX ( rep # XXXX ) confirmed that my other loans are in good standing and did not find any issues with my payment history. He was unable to assist me further hence the purpose of the request. I request that you reinstate the defaulted XXXX Loan ( XXXX ) with the consideration that I had an exceptional customer history prior to this mishap and that you understand how the following facts directly contributed to the defaulted XXXX loan : 1 ) five months of misapplied payments, 2 ) two loans with same due date not clearly distinguishable to AES reps during calls, and 3 ) lengthy payment correction time. Please accept this request that I deserve to have the loan reinstated and not have my credit ruined as a result of these events. I have never defaulted on any loan ever. It is my desire that you provide exceptional customer service that is a direct reflection of me being a valuable AES customer. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-01-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: AR Resources, Inc. (WV)

AR RESOURSES. XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida At times of Incidents I had moved into a XXXX XXXX Shelter in XXXX Florida and was using State Provided Insurance at XXXX State Granted Issuance. Contact Department of Health Human resources for I.D . numbers or XXXX XXXX XXXX XXXX XXXX Florida XXXX Was informed that the bills incurred from E.R physical inspection report and other accumulated Dr . Visits would be handled by State/County Insurance. Please send me any paperwork for crisis payment or Homelessness verification as I stayed at XXXX XXXX XXXX XXXX XXXX. Please understand that I have been provided with XXXX Payment at XXXX per month and receive benefits on 1 of month each Month. I  'm Sorry for any misunderstandings on my behalf as it was mandatory visits I made as a resident of both XXXX and XXXX XXXX XXXX XXXX after leaving XXXX. 
MY EMAIL IS XXXXXXXXXXXX
Consumer complaint received 2018-04-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MD)

On XX/XX/XXXX I offered to aide someone with a need for transportation ( a ride ) and in doing so they were trying to contact someone via their cellphone for help. This someone is XXXX XXXX. I then was experiencing car trouble and was getting assistance from roadside service. While I was distracted and outside of vehicle XXXX XXXX used my cellphone to make an unauthorized payment to himself via PayPal. XX/XX/XXXX I filed a police report and based upon their findings criminal charges were placed against XXXX XXXX. I contacted PayPal on XX/XX/XXXX and their representative stated they had made decision and declined my claim for unauthorized payment thereby validating payment and not returning money to my account. PayPal representative then told me my submission of documents nor a police report indicating a crime had taken place did not matter and would not change their decision. PayPal further stated that their investigation shows my phone issue payment and regardless of whether or not I gave consent they consider the payment valid. PayPal advertises their payment services as 100 % coverage for unauthorized transactions to everyones accounts yet in reality they support criminal activity and add further damage to the account holder who is victim to fraud/embezzlement. XXXX PayPal representative stated that their decision stands without consideration for material factual documentation. How is that? I have been given 4 different case # s and several different email addresses to send in documentation ; yet, they only have received it once. PayPal is very inconsistent and bias in their review process and for the majority offer no safeguards for their account holders and Sellers of XXXX. Unfortunately, this is not my first dealing with PayPal and their process is so lengthy for actions that take hours. Their review process is claimed to be in 10 days ; yet, after 3-4 days they have made a decision and not included the account holder in the investigation or even contacted the account holder. Currently, they are awaiting the 10th day to send me any updates and/or their decision when in fact they have made their decision final. Please help! PayPals review process is skewed and out right not socially responsible in their stance to support fraudulent activity.
Consumer complaint received 2018-04-01
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

XX/XX/XXXX After reviewing my 3 Credit Reports in early XX/XX/XXXX I noticed that Wells Fargo incorrectly reported some months in XX/XX/XXXX where I was going through a Loan Remodification with them as late. However, I was not late with them because that was during the time I was given a new payment and a trial period where I could NOT be late or else the loan modification would have been forfeited. 

I sent the letter below to them address to XXXX XXXX at the XXXX XXXX, IA office on XX/XX/XXXX " From XX/XX/XXXX- XX/XX/XXXX I  was behind on my mortgage. In XX/XX/XXXX, the short sale process was initiated. I had to submit a Hardship Letter to Wells Fargo ( attached ) in XX/XX/XXXX. Up until XX/XX/XXXX Wells Fargo was asking for additional documents to push through the short sale ( attached ). 

In XX/XX/XXXX I was motivated to keep my house because Wells Fargo contacted me about the Loan Remodification program and in XX/XX/XXXX my loan remodification was accepted ( letter attached ) and I was put on the FHA HAMP trial plan from XX/XX/XXXX - XX/XX/XXXX. All of which I paid on time. I was working with XXXX XXXX/Home Preservation Specialist. 

However on my XXXX and XXXX  credit reports it indicates that I was 180 days late in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In addition, I was on time from XX/XX/XXXX through XX/XX/XXXX. 

Both credit reports have me listed as 180 days late in XX/XX/XXXX which doesnt make any sense, since my credit reports have me being on time the previous 4 months ( XX/XX/XXXX - XX/XX/XXXX ). ''
Consumer complaint received 2018-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (NJ)

I received a credit card bill from Citi on XX/XX/XXXX saying I owed {$8700.00} on an account I do not own and never opened. Since I do not speak very good English, my husband called Citi and told them this is not my card, that I may have been the victim of identity theft and they agreed to close the account. Citi sent me a letter dated XX/XX/XXXXsaying they closed the account. I sent them a Statement of Fraudulent Application signed by me onXX/XX/XXXX that they requested. Citi sent me a letter dated XX/XX/XXXX stating my claim that this account was fraudulently opened was denied and that I am responsible for the account in question. I asked my son to call the telephone number on the letter on XX/XX/XXXX and he spoke to XXXX  from Citi with me on the line, and they continued to insist that I opened the account and I am responsible. I sent Citi a letter demanding all of the account opening documents that Citi has in their possession, including signatures, IP addresses used to open this account, etc. pursuant to the Fair Credit Reporting Act, but Citi has failed and refused to provide me with the documents and will not respond to my request. OnXX/XX/XXXX, I received yet another billing statement from Citi saying I now owe {$18000.00}. This is now becoming ridiculous!

I did not open this credit card account. It appears that someone has stolen my identity and fraudulently opened this account in my name.

Citi has failed to perform due diligence when they allowed someone other than me to open a credit card account in my name and did not follow the proper protocol when they allowed over 50 charges totaling over {$18000.00} in just a 5 day period mostly in Florida. I have not been to Florida in over 6 years. In addition, Citi has violated provisions of the Fair Credit Reporting Act by refusing to respond to my demand for all account opening documents. It is my understanding that there are civil penalties for thess types of violations and I am requesting that your agency issue fines and penalties against Citi for their actions.
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Sentry Credit, Inc. (OR)

XXXX XXXX XXXX Reported to XXXX that i have a balance of XXXX with XXXX XXXX XXXX XXXX. I settled This account over 2 months ago. I received a letter from the creditor stating that the account is paid. I have since disputed the item with XXXX. XXXX  says that the Creditor has told them that i still owe the debt as of XX/XX/18. XXXX at XXXX  said that Sentry  said i still owe, XXXX XXXX from Sentry on behalf of XXXX XXXX XXXX says that Sentry can not help me and will not fix this credit reporting error.
Consumer complaint received 2018-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I noticed in XXXX that my credit report contains late payments reported on XXXX and XX/XX/2016 for my XXXX   student loan accounts. At the time, I have attended XXXX XXXX College ( now XXXX XXXX University ) in the Spring of XX/XX/2016and XXXX XXXX University in the summer and fall of XX/XX/2016. As a student attending classes at least half-time during those period, my account should not have entered payment at that stage. However, even after contacting XXXX regarding this issue, as well as sending their credit bureau management team relevant documents showing that I was a student at the time, I have not gotten a single response from XXXX team.
Consumer complaint received 2018-11-28
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AES/PHEAA (OH)

I was contacted by two phone calls ( last one XX/XX/18 ) and via US Mail ( XX/XX/18 ) by representatives of XXXX XXXX. 

XXXX XXXX representatives claimed to have documentation proving that the Identity Theft Federal Student Loan was not identity theft. Representatives claimed that they are an affiliate of PHEAA ( Pennsylvania Higher Education Assistance Agency ) who owned the Identity Theft Federal Student Loan.

PHEAA has repeatedly violated my fifth amendment right to due process by refusing to provide information necessary to police departments investigating the cyber crime. PHEAA continues to attempt bullying by sending the Federal Identity Theft Student Loan to collection agencies and sending " cease and desist '' letters to stop my reporting this crime to investigatory agencies. 

I informed the XXXX  XXXX representatives ( on both occasions ) that this was identity theft. The calls continued despite the assertion. I have sent XXXX XXXX a copy of the FTC identity theft report and addendum documents required. 

On both occasions, XXXX XXXX representatives informed me that this will negatively affect my credit.
Consumer complaint received 2018-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have sent a certified letter to XXXX, XXXX, and Equifax disputing a negative item that they are reporting on my credit report from XXXX XXXX XXXX, account number XXXX. I have requested that they validate the information with XXXX XXXX XXXX and provide me details ; to include provide me with copies of any documentation associated with this account, bearing my signature. In which XXXX, XXXX, and Equifax failed to do.
Consumer complaint received 2018-04-01
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

account was closed chase is displaying a debit to the account misleading me to believe it was my deposit sequence numbers don't match also there were 2 transactions done they only show me one of them and routing transit number use on # 2 item of item processed on 2017/XXXX is XXXX which if you look on the check it clearly has printed XXXX ( image attached ) also why is there a black line across the back of this returned item ( check ) covering information.
Consumer complaint received 2023-11-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

PennyMac issued a credit for the increase in property insurance as a result of their failure to pay the renewal timely which led to us not having coverage. However, PennyMac charged us for lender premium policy which we do not agree with. Also, PennyMac has not provided us with a letter assuring us that they will cover the variance while we have an active mortgage loan with the company.

We have left numerous voice message for PennyMac, and no one has responded. We are hopeful that the bureau can assist in a getting a resolution.
Consumer complaint received 2018-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

With Equifax, I have submitted the court documents of the identity theft I have been dealing with regarding a XXXX Credit Card, XXXX XXXX, XXXX XXXX and a debt collector account. After the documents were submitted they stated that the debt is mine and refuse to remove it from my credit report. XXXX has removed the accounts, and it has now gotten to the point where I can not get student aid due to the credit reports. I 'have called Equifax multiple times with no avail and filed multiple reports with the same answer over and over. I am just hoping someone can help because I have gone through the police and the courts, but what will satisfy this company to fix my report?
Consumer complaint received 2016-11-10
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (TX)

I had an XXXX XXXX XXXX card. Somehow XXXX took over the card and my XXXX XXXX got transferred to them ever since XXXX I 've had issues logging on late fees and overlimit fees accrued and I cant seem to catch up on the card I called on XXXX/XXXX/2016 to ask for assistance since the payment never seems to go down and Im having financial difficulties since I got a big pay decrease at work. All they could offer was for me to just pay the minimum and keep accruing the late and over limit fee. They have no assistance in helping repay a card I do n't even want. I never had any issues with my XXXX XXXX XXXX
Consumer complaint received 2018-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (GA)

I noticed in XXXX that my credit report contains late payments reported on XXXX and XX/XX/2016 for my Navient student loan accounts. At the time, I have attended XXXX   XXXX College ( now XXXX XXXX  University ) in the Spring of XX/XX/2016and XXXX XXXX University in the summer and fall of XX/XX/2016. As a student attending classes at least half-time during those period, my account should not have entered payment at that stage. However, even after contacting Navient regarding this issue, as well as sending their credit bureau management team relevant documents showing that I was a student at the time, I have not gotten a single response from Navient team.
Consumer complaint received 2018-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (ID)

I sold my vehicle in XX/XX/XXXX and received a release of interest and confirmation from XXXX XXXX stating that my account was paid in full. As of XX/XX/XXXX I checked my credit report and XXXX XXXX is still reported that I had a balance on my loan two months after my loan was paid in full and XXXX XXXX sent a release of interest letter. I then submitted a dispute with the 3 credit bureau 's stating that the loan was paid in full. At the end of the investigation the 3 credit bureau 's updated my XXXX XXXX loan that the balance was still owing but that I was now 60 days late for both XX/XX/XXXX. and XX/XX/XXXX. I no longer had the loan in XX/XX/XXXX. and XX/XX/XXXX. These reports are incorrect but XXXX XXXX refuses to update their records and the 3 credit bureau 's are not updating their records either.