davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (MA)

In XX/XX/year>, I was placed on a plan to reduce my monthly payments due to financial constraints. However, I noticed that my payments were not deducted from my account in XXXX and XXXX. Upon calling in XXXX, I was informed that the issue stemmed from an incorrect account number on file, which was subsequently updated. 
Despite this correction, my account status continued to show late payments, adversely affecting my credit score. I reached out again to request a resolution. The manager I spoke with acknowledged that this situation was not my fault and indicated it was an internal issue. She assured me that she would follow up within five days, but I did not receive a callback. 
On XX/XX/year>, I called again and was informed that my XXXX payment was marked overdue, although it had been deducted from my account, along with my XXXX payment. Currently, I am on the phone with a XXXX from the escalation team who stated she would return my call. She could not explain why my payments failed to process correctly, despite the account information being accurate. 
I have been addressing this issue for two months and am increasingly frustrated. The latest explanation suggests a problem with my checking account, despite having other loans successfully deducted from it. They have claimed that my checking account is not valid and instructed me to upload my bank information for verification.

For further assistance, I have been given the callback number for Sallie Mae : XXXX.
Consumer complaint received 2024-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FISERV INC. (OR)

For the past week or so, any attempt to pay with my debit card through a website or app has been declined. I have tried through multiple vendors, ( XXXX, XXXX, XXXX ) and each one is declined by the bank. I have had funds in my account each time I have tried to make payment. The card seems to work fine for in-person transactions, I was able to purchase at restaurants during this time frame. 

Today, XX/XX/year>, I called in to the customer service line for Money Network Services. I was inquiring about the issue of not being able to use the card online. I was informed that they were able to locate the denied transactions. They said that " no reason is given '' for the declined purchases. One of the representatives informed me that there is a " technical error '' causing the issue, and many cards are unable to process online. 

I was given essentially no solution to the issue. I was told to use another payment method, which is difficult, as this is my main account. She also told me that there was no estimated return of service, and it could be any amount of time before it is fixed. I was offered no other options, other than to use another card with another bank. I find this unacceptable, as I am unable to use the money in my account.
Consumer complaint received 2017-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC. (NC)

On Monday XXXX XXXX, XXXX, I opened a small business checking account in person at the SunTrust branch located at XXXX XXXX XXXX XXXX XXXX, in XXXX XXXX, Fl. At no time during my sign up did the banker explain to me that he was enrolling me in their Overdraft protection program. I did not use their debit card much until returning to XXXX XXXX in XXXX of XXXX and after experiencing fraud issues caused by skimmers with my other primary bank. 

In XXXX XXXX I began to notice that SunTrust was delaying the debit of certain charges that I had made by as much as XXXX days as such reporting a higher daily balance on my checking account. I routinely check my checking balance either online or via their customer service telephone system before making purchases to verify my balance. I did contact them via telephone regarding one such merchant ( XXXX XXXX XXXX ) that I use almost daily for the purchase of fuel which is one of my highest expenditures. The representatives stated that the posting delay was caused by the merchant. I then used XXXX different debit/credit cards at the same station using the same fuel pump and the charges were either debited immediately or by the next morning by XXXX XXXX resulting in an accurate daily balance on my account with those card issuers. I also noticed that their ATMs do not automatically provide balance information after I make a withdrawal or deposit, again leaving me in the dark concerning my actual daily balance. 

On XXXX XXXX, XXXX, I filed an official complaint with SunTrust in writing using their online system regarding them enrolling me in XXXX protection without my knowledge and the XXXX in fees levied against my account ( see attached ). 
I then followed up with a written request to credit and close my account on XXXX XXXX, XXXX ( see attached ). 
On XXXX XXXX, XXXX, I filed a formal complaint with the BBB and SunTrust refused to address my complaint ( see attached ). 
On XXXX XXXX, XXXX, I received a collection letter from a third-party agency requesting a payment of {XXXX} on behalf of SunTrust Bank ( see attached ). 

I have not enrolled in any Overdraft protection program since experiencing fraudulent activity with XXXX Bank resulting in a class action lawsuit and settlement in XXXX.
Consumer complaint received 2017-10-31
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: Experian Information Solutions Inc. (TN)

XXXX is AGAIN running a credit report without my authorization or applying for a credit or a job! The newest inquiry was on XXXX/XXXX/XXXX with experian and XXXX/XXXX/XXXX with XXXX. XXXX had refused to stop and was actually class action sued about this activity in XXXX! Experian removed the information after being contacted. XXXX has STILL failed to remove the fraudulent inquiries and XXXX just made ANOTHER INQUIRY AS DETAILED ABOVE! XXXX also breached my personal information.
Consumer complaint received 2017-10-31
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC (MI)

ABILITY RECOVERY SERVICE PO BOX XXXX XXXX, PA XXXX ( XXXX ) XXXX REPEATED HARASSMENT. HAVE WRONG PERSON. I LIVE IN XXXX. NEVER WENT TO XXXX XXXX HOSPITAL IN XXXX. NOW SHOWS ON CREDIT XXXX. I NEVER ADMITTED TO OWING ANYTHING. I TOLD THEM I THINK YOU HAVE WRONG PERSON. 

SHE LIED SAID I CALLED THEM. IF I CALLED THEM IT WAS TO FIND OUT WHO CALLED ME AND CALLED THEM BACK. IF IT WAS COLLECTIONS. I WOULD HAVE NOT SPOKE WITH ANYONE. 

THEY THREATENED TO RUIN MY CREDIT AND CALLED ME BEFORE XXXX ON XXXX. HAPPY XXXX TO ME AND MY FAMILY. 

XXXX/XXXX/XXXX - XXXX received threatening call that I owe money and I have to pay XXXX $ today. If not I am going to ruin my credit is what they told me. I told them I think you are mistaken me for someone else. I have always had insurance. 

They said back in XXXX I had been to ER at XXXX XXXX XXXX. I do not remember this. Never got anything in mail. I live in XXXX in XXXX. 

They said I called them and now it is showing on credit report they reinstated it XXXX. 

I keep getting harassing calls. XXXX is the number. Shows them calling me right before XXXX XXXX on XXXX.
Consumer complaint received 2017-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OH)

To Whom It May Concern, I am contacting you for guidance, help, and/or assistance concerning the XXXX XXXX XXXX XXXX ( PSLF ) program. My wife and I are both XXXX and have diligently been making our student loan payments on time and in full since the beginning of our repayments. 

My focus is my wife, XXXX, because she has been making on-time, full payments for almost 15 years, while XXXX into her XXXX year. AS you will see in the attached letter from Fedloan Servicing, XXXX was certified in XXXX for her employment with XXXX XXXX XXXX that began in XXXX. Because she loves this job so much, it is the only XXXX position that she has held in this low income district. 

The reason as to why I am contacting you is because we recently learned that she will not be eligible for XXXX because she was placed under the incorrect payment plan. As you can see from the attached letter, it appears that she qualifies for XXXX. She was actually under a plan where we paid more per month! IF we were aware of this, we would ensure that we were under the correct plan, especially if we could pay less per month. 

We feel the letter certifying her employment is deceiving, giving us the impression that we are on track for XXXX. XXXX and I both have master 's degrees and are both highly educated, however we did not catch the costly mistake that not only affects us, but our children. Why would we choose not to be under a qualifying plan? Why would be make on-time, full payments for years under the incorrect plan? 

We not mind paying our fair share but feel like there should be some kind of solution to a situation like ours instead of starting at the beginning. We feel like we are being punished for doing all the right steps. It is documented that XXXX and I have been making on-time payments in full for over XXXX years. Tax and student loan records can prove this. 

My question to you is, what do we do from here? There has to be a solution to our situation because we can not be the only educators in this position where we thought we were doing what was right but were mislead. I have many other documents that I can scan, copy, and upload if needed. 

Thank you in advance for your help- XXXX XXXX XXXX & XXXX XXXX  XXXX XXXX
Consumer complaint received 2017-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

After finding out about the Equifax breach of most American citizen I logged on the my Equifax account on XXXX/XXXX/XXXX and discovered there is an address listed on there as one of my prior address however I have never lived at XXXX XXXX SC address. I tried to have it corrected or deleted and I was sent to this website to make a formal complaint.
Consumer complaint received 2017-10-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (TX)

what they fail to tell you that i dont want the items i told them i want to return it 3 times b/c they didnt give me a all connect media that makes the TV usless cra violation and hung up on me b/c i wanted to return it 5 times
Consumer complaint received 2017-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (CA)

Company calls me all day long. I 'm working and my phone goes off maybe like 10 times while I 'm working. They call me from XXXX am to XXXX. They keep harassing me
Consumer complaint received 2017-10-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (AZ)

I lost my job and my Wells Fargo Dealer Services agreed to allow me to pay weekly or no weekly to get caught up as there was a delay in me receiving unemployment. 
I made my first agreed payment of {$200.00} on XXXX XXXX XXXX, On XXXX XXXX XXXX sometime after XXXX pm the car was towed/repossessed from my home. 
When I made these payment arrangements I requested them in writing, XXXX refused saying they only note the account, not provide written confirmation of the agreement. 

Ater the car was repossessed I was told there were no approved payment arrangements noted tot he account, or on record. 
The car is to be sold on XXXX XXXX if I ca n't pay their fees, repo fees and XXXX fees to get the car back. 

This is not my only concern with this organization. 
On XXXX XXXX XXXX, while in California I paid XXXX cash at a XXXX branch to be later told the payment was credited as XXXX. Not XXXX. 
I scanned a copy of the receiot to XXXX XXXX DEALER SERVICES only to be told over XXXX week period it was never received. 
I asked for account managers email, they refused to provide, as obviously the fax # I was sending to there was an issue. 

Prior to this incident, in XXXX XXXX I again made a cash payment at a XXXX branch In XXXX, As close to my home. 
I paid the full payment of XXXX, however the receipt only said XXXX. I went to the branch XXXX there, explained what happened. It appears they were trying to cover for the teller who did this ( she still works there XXXX, so I demanded they call loss prevention and have them come review the video footage. 
They did, found the error and said they would correct it.I am not sure what correct it meant but my loan payment was never credited and my account was NEVER credited the missing loan payment that the teller mishandled to this day. 
I requested a thorough account audit and account payment history from XXXX XXXX thru current, the payment feom XXXX XXXX still says XXXX as oppose to XXXX as it should be. 

Overall, I have tried to stay in XXXX touch with whoever handled my accoubt if there is an address but it appears if there is great financial hardship or detriment WELLS FARGO DEALER SERVICES will tell you one thing on the phone and do whatever they want in the interim. 
They can not be trusted at the loan servicing level all the way down to the branch level.
Consumer complaint received 2017-10-31
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: TENET HEALTHCARE CORPORATION (GA)

I have a total of 20 collections from Central Financial Control on my credit report for XXXX XXXX they were removed and some how replaced back asked for documents and bills to verify each account still no verification but its being reported on my credit
Consumer complaint received 2017-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

I received a credit monitoring alert that XXXX XXXX XXXX also listed as LAW OFFICES OF XXXX XXXX company added a collection account to my credit file on XXXX/XXXX/XXXX. I have never done business with this company nor have I ever signed any contracts, I have absolutely no knowledge of this debt, I never received a letter in the mail, and I have never done business with XXXX XXXX I which is listed on my credit file as the original creditor. I also never signed a contract with XXXX XXXX I. My information has been compromised several times in the past and has caused me a great deal of financial stress.
Consumer complaint received 2017-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (IL)

Hello, I am currently traveling out of the country in XXXX & kept my Chase Sapphire Preferred Card for this trip specifically given it doesnt charge any foreign transaction fees. However, doesnt seem to be a true statement as the math doesnt add up unless they build the fee into the transaction! For example, I charged an {$11.00} AUD transaction at approximately XXXX this morning, which after 5 minutes/upon arrival of the email confirmation ( set up for all international charges on this card ), I checked the conversion rate & it said the transaction should total {$8.00}, but the charge on my account reflected {$8.00}.  HIGHER than what it should have been, and although not by much, seeing as how Im making several purchases each day for the 3 weeks I am here, and the transactions leading up to this trip, it is a material amount! I was told no foreign transaction fees which I felt the potential annual fee might then be worth it, only to be deceived and them tack it on behind the curtain! Extremely unfair and extremely misleading when the math is not matching and no explanation is given. I reached out to chase support and they only gave a vague explanation and when I gave this exact/specific detail, all communication went silent!
Consumer complaint received 2017-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (FL)

XXXX XXXX this late payment is incorrect, I always made on time payments for this account. the record shows I have a clean history with chase for the past 6 and a half years, and there is this one late payment that should be cleared from my account from back in XXXX.
Consumer complaint received 2017-10-31
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. (IL)

According to the FCRA, this isnt an account pursuant to 1681 ( a ) ( r ) ( 4 ), therefore this error should be removed. Your company is overlooking this important aspect of my reason for my dispute which your company has fail to verify now Im requesting physical evidence from your company. Im not looking to sue your company just looking for the most accurate complete data in my file. 
Please send me the proof that I gave any outside agency the permission to report any accounts OR NON ACCOUNTS please provide me with verified and valid contract on file that i have with XXXX XXXX XXXX ACCT # XXXX iVE ASK XXXX FOR THIS INFORMATION AND THEY DELETED THIS OFF MY CONSUMER REPORT i HAVE ASK EQUIFAX ON MANY DIFFERENT TIMES AND THEY HAVE REFUSE TO DO SO AND THEY KEEP TELLY ME THE CREDITOR VERIFIED THE ACCT BUT WILL NOT PROVE TO ME THAT IT HAS BEEN VERIFIED. EQUIFAX IS REFUSING TO FOLLOW THE FCRA I TALK THEM EQUIFAX ON THE PHONE AROUND XXXX XXXX XXXX AND THEIR AGENT TOLD ME THEY DIDNT HAVE THIS INFORMATION FROM XXXX XXXX XXXX IN THEIR FILE EQUIFAX OVER THE YEARS WHEN COME TO MY CREDIT HAS REFUSED TO VERIFY DATA BEFORE THEY PLACED ON CONSUMER REPORT : Under Section 607 of the FCRA you Must ensure the highest possible Accuracy of the information contained On my credit report. You have not Complied with this under provision of 15 USC Section 1681i in the FCRA, I am Demanding that this item be deleted From my credit record. 

EQUIFAX HAS CONTINUED TO BREAK THIS LAW OF FCRA THAT YOU SEE ABOVE I HAVE PROOF OVER MANY MANY YEARS ON HOW EQUIFAX CLAIM THE RESEARCH OR INVESTIGATED AN ALLEGED ACCOUNT AND THEY HAVE NOT. EQUIFAX HAS ALLOWED ANY COMPANY TO POST DATA ON MY CREDIT CONSUMER REPORT UNVERIFIABLE EQUIFAX HAS NOT READ THE TERMS OF THE FCRA AT ALL BECAUSE IF THEY HAVE THE TERM ACCOUNT CLEARLY STATE WHAT AN ACCOUNT IS AND WHAT ACCOUNT ISNT EQUIFAX HAS REFUSED TO DO THEIR OWN RESEARCH INSTEAD OF RELAYING ON DOING A DEPTH RESEARCH BECAUSE IF THEY WOULD READ THE DISPUTE THEY WOULD COME TO VERY EASY CONCLUSION THAT XXXX XXXX XXXX IS BREAKING THE FCRA AND FCBA AND FDCPA. EQUIFAX HAS REFUSED TO FOLLOW THE LAW
Consumer complaint received 2017-10-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF THE WEST (CA)

I received an overdraft charge of {$35.00} for a transactions made on XX/XX/XXXX. But at no time on that date was my account in a negative balance. 

Bank of the West has a history of manipulating account date to extract the most in overdraft fees ; in XXXX, the bank agreed to settle a class action suit for over-collecting overdrafts for {$18.00} XXXX dollars.
Consumer complaint received 2017-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (AZ)

Did not receive the welcome bonus after qualified spending. Last time, American Express company said will contact me separately but still have n't received anything yet. 

Moreover, it seems has linked my bank account to other person 's Social Security Number. The Fico score is too high for me!! It 's not my credit history!
Consumer complaint received 2017-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

Ever since my compromised account ( XXXX ) was closed and reopened to the new ( XXXX ) EVERY SINGLE ATM transaction has been declined and NO ONE within the CHASE organization can explain why. I have been embarrassed, left with no way to gas my car, and no way to stock my pantry. 
My old account would ALWAYS pay - REGARDLESS of account balance!! And I never had to worry about my safety or wellbeing. REGARDLESS OF ACCOUNT BALANCE. And in all honesty, I had no problems paying the respective NSF fees. This new account blocks every transaction - not to mention, checks have been returned too!!!!! 
Im NOT happy!
Consumer complaint received 2017-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I 'm making this complaint due to the fact that XXXX is reporting accounts that were not corrected, verified or removed. I do not understand how the government allows these companies to violate the FCRA when there are very specific regulations that state that they can not! 

I 've been disputing these since XX/XX/XXXX and this was never corrected even though I have pointed out numerous times to no avail. What I do not understand is that the burden of proof is on the bureaus and creditors, per Congress in XXXX XXXX TRANSUNION XXXX! 

XXXX XXXX is listed 3 times and 2 of the accounts are reported as 60 days late and have not been updated snce XX/XX/XXXX and XX/XX/XXXX. Obviously, if I were 60 days late on these accounts, there would be a balance as well as charged-off. Accounts do not just stay 60 days late! In addition, these accounts are not reported as transferred. TransUnion is even reporting both accounts with monthly payments of {$1300.00} and {$5800.00}! How can this be when the accounts are closed and have not been updated or paid on for years? 

These must be deleted immediately! I have even disputed with the creditor and have not received any replies whatsoever. I need to know why this is occuring, why these are not being updated and why they are still on my credit report after having been notified and not corrected. 

I require that these are deleted per the requirements of the FCRA immediately.
Consumer complaint received 2017-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is a complaint against TransUnion. I am a victim of identity theft and did n't authorize this inquiries of XXXX XXXX date : XXXX XXXX2017 and also XXXX XXXX XXXX, INQUIRY DATE : XXXX XXXX/2017. Also Open account under fraud in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.