davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ACS Education Services (MN)

I have been regularly making an online payment of {$40.00} a month to ACS Education Services for a number of years. However, when I went to make myXX/XX/XXXX payment I could not access the website using my regular login information, instead getting an error message saying that my information was " incorrect, '' which it was not. I tried multiple times at various times of day over the course of the next weeks to login to the system. Eventually I even tried resetting my login information but when I would do that I would get yet another error message. I also tried calling into the ACS directly, but would be left waiting for a representative to answer the phone so long that I would have to move on with my work. Finally, on XX/XX/XXXX, I called the company again, this time waiting over 30 minutes for someone to answer the phone. When a rep finally answered I was told that, yes, there was an ongoing issue with their system and it would only work with certain browsers. This was something the company clearly knew was an issue, yet there was no indication anywhere on the site that it could only be accessed with particular browsers ( which in all the previous years I 'd used the site had never been the case, thus it never did occur to me that this might be the problem -- I thought the issue had something to do with my login credentials specifically ). I was ultimately able to login using XXXX. I asked the rep during my call if I was going to have any late penalties because of this issue and she assured me that I did not and would not. I paid my bill in full that day. However, I recently learned that on XX/XX/XXXX, the day before I finally was able to reach an ACS representative, my accounts were reported as delinquent to the credit bureau. I have worked very hard for years on my credit and I currently do not have any other delinquencies on my credit report other than the two that have been assessed for the accounts I have with ACS, which amount to {$40.00} in total. Thus I now have two adverse accounts, the only two I have, that will be on my credit report for 7 years essentially because I could not login into the website -- a problem the company knew about but did not bother to make customers aware of -- and because, due to my work schedule and inordinately long wait times to speak with customer service at ACS, I ended up paying one day after the accounts were reported. After reviewing my credit report, I did try contacting ACS again on XX/XX/XXXX, and after again waiting more than 20 minutes to speak with someone, was told by the representative that there was nothing to be done.
Consumer complaint received 2017-10-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ORG GC GP BUYER, LLC (MA)

I just discovered this yesterday : My credit report shows a XXXX address ; lifelong XXXX resident. Student loans from XXXX that I was trying to make good on through the XXXX, were transferred to service provider GC Services. They made XXXX successful attempts to contact me declaring themselves the owner of my loan ; thought they were picked up by XXXX with the rest of my loans ... I was wrong. 
XXXX address was garnered by GC Services via XXXX XXXX XXXX XXXX no need to skip trace me ... still at same address ). The address was adopted to my credit report and thus adopted by my XXXX XXXX XXXX XXXX, XXXX account and still learning more ... 
XXXX is a function of XXXX. The address was added to my XXXX credit report XXXX/XXXX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX collected from XXXX, a division of XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX gave the information to XXXX  They act like I am talking about area XXXX when I bring up XXXX. 
There was absolutely no reason to skip trace and/or change my address. This is systemic problem that occurs too frequently with full plausible deniability on the loan servicers ' part. They just send the bill to the wrong address and tell me it is my responsibility to keep my address up to date with the XXXX. It was until they changed it ... ..XXXX admitted to the practice of providing information that XXXX not be accurate and provides full disclaimer and disclosure that the information they provide is to be used at the risk of the user, that would be GC Services in this case. 

The scam is this : the student loan contracted by XXXX  makes a singular attempt to reach the owner of newly acquired loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. they barely satisfy the minimum requirement to inform the consumer of their new responsibility that is not a choice BTW. The default happens soo fast and they ca n't wait to sell you a rehabilitation plan that they get paid a commission upon successful completion. This serves as an economic engine of millions of students making 'rehab ' payments and tacking on fees and interest. All the while, the loan service ca n't wait to reset the clock if miss a penny. 
My first conversation with XXXX several years ago and XXXX XXXX yesterday was " who are you? '' ... '' we own your loan, its in default, would you like a rehabilitation plan? ". The opportunity to pay the loan on time is often so obscure and this is on purpose. This is a very well ingrained scam where everyone but the consumer is getting a cut. 
I look forward to your response. 
Thank you
Consumer complaint received 2017-10-21
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. (VT)

XXXX Complaint File with your Company..Yes I did file a Complaint with equifax Back in XX/XX/XXXX and they Removed it and always I file with XXXX and they remove that XXXX Account I gave you the the Confirmation number Equifax gave me on the complaint I filed on XX/XX/XXXXand Here is is again. ( XXXX ) ..And try to have them Explain if it was back inXX/XX/XXXXand why XXXX just filed it again with them in XX/XX/XXXX.I want this removed..Vermont Consumer Affairs was even called and report on comcast..XXXX removed it from their site when I filed a dispute with them..I am very unhappy with your site and Equifax allowing such Fraud that XXXX is doing to..They tried with other Consumer Reporting Agency and I disputed with them and they dropped them..They doing it Even with My next door Neighbor.And their report Agency never had contacted me, ,If the did I would of disputed with them..
Consumer complaint received 2017-10-20
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bronstein & Weiss Arbitration (VA)

I was contacted by XXXX XXXX XXXX XXXX on XX/XX/17 saying that there were contacting me from the City of XXXX XXXX DA 's office and that I was currently facing trail for nonpayment that I was going to be served papers and that I was going to be summoned to go to court. I was told that the only other option was to pay {$1200.00} by credit card or pre-paid card only and that I had to make the payment that day in order to not be processed in to trail, the person name was " XXXX XXXX '' with the City of XXXX XXXX DA 's and this was her one and only communication as a courtesy I asked for them to email me a paper trail and all they sent over was the attached.
Their address is linked to a XXXX in XXXX, NY The number they called from was XXXX an known scammer
Consumer complaint received 2017-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of america closed my XXXX accounts without any warning or anything. XXXX has been open since XXXX and other since XXXX. They said it was closed due to they could not verify the authorized users. What if maybe i input their info wrong or a discrepancy on users end of the information. I have all their info such as license, social, bills etc to prove their identity and boa does not care. They pretty much said too bad your terms and conditions have expired. Yet let alone never ever have had a late payment or issues with them on these XXXX accounts but they decide to close them without notice or communicating to fix the situation. I even told them to remove all the authorized users and i wo n't add any back and they said no. I 've been a boa customer for over 12 years but i guess that does n't matter.
Consumer complaint received 2017-03-02
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Mortgage Lenders Investment Trading Corp (FL)

I was going thought one broker ( XXXX ) then they said there was an indemnification issue and they needed to change to a new lender ) Mean While XXXX at RP funding talked to me be said the indemnification is not an issue he was also aware I was 90 past due over a year ago ( just shy of 30 now ) he offered me a great rate XXXX plus they were paying the closing cost.. Once the underwriter got the file the exact issue I told him about I was denied for after weeks of asking what 's wrong with no clear answer. Once they cam back to me they started to tell me all sorts of things like I was 5 months past due and it was a conventional not FHA loan neither which were not true. I feel that this was a stall Method in order not to have to give me the rate they offered.
Consumer complaint received 2017-10-20
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NY)

Dear Sir or Madam, I am contacting you because I discovered that two late payments were reported to my credit report by Navient ( on XXXX ) several days after I made payment ( on XXXX ). This occurred in spite of the fact that I have never received a billing statement in the mail. 
I strived for many years to maintain a steady record of payments for all of my debts, in particular my student loans. Navient has consistently misallocated my payments for more than 12 years, by applying payments to the only to interest portion of my loan so that the principal has barely been reduced ( see attachment showing the history of my misallocated payments ). 
This conduct has continued for many years, despite the fact that I repeatedly inquired about income-driven repayment plans, only to be informed that I would not qualify. Instead, I was repeatedly encouraged to postpone my payments through unaffordable forbearance plans. 
By failing to correct the information reported in XXXX XXXX, Navient is in violation of Section 623 ( a ) ( 2 ) of the FCRA. The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs. 
Furthermore, Navient is similarly in violation of Section 623 ( a ) ( 7 ) of the FCRA which requires it to inform consumers about negative information placed on a consumer 's credit report within 30 days. I have never received a statement from Navient nor this notification in the mail. 
I contacted Navient on XXXX XXXX, XXXX ( letter attached ) and since that time I have reached out on multiple occasions via phone since then in an effort to resolve these issues but to no avail. 
I am thus requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that the two accounts showing a late payment in XXXX XXXX be removed and to correctly apply my payments to my loan. 
In the event that these reports are not immediately corrected, I intend on continuing to file official complaints with all regulatory agencies ( CFPB, FTC, BBB etc. ) to inform them of these circumstances and pursue other legal routes if necessary. 
I look forward to your prompt response and resolution of this matter. 
Thank you.
Consumer complaint received 2017-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NV)

O n XX/XX/XXXX, 2017 my Chase Freedom credit card was stolen. My card was used in XXXX XXXX XXXX, 3000 miles away from my home. I was NEVER in XXXX XXXX XXXX. the following transactions showed up on my credit card statement.
XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX {$8.00} XXXX XXXX XXXX XXXX {$79.00} XXXX XXXX XXXX XXXX {$920.00} XXXX XXXX XXXX {$5600.00} I received a information from Chase onXX/XX/XXXX asking me to confirm the transactions. I immediately called the same day of the transactions and reported them as fraud. THE SAME DAY. Chase said they " validated '' the charges as mine and refuse to refund me the {$6800.00} that I am owed. Chase needs to mark these transactions as fraud and refund me the money I am owed. I have also been charged almost {$500.00} in interest charges from these fraudulent charges. They need to be refunded to me. I obviously do n't know my card number for the old card ending in XXXX, but I will provide my new card number.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2017-10-21
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Affiliated Group, Inc (MN)

This agency called me about an electric bill. I didnt know about it but told them I wanted to look into it. I also told them they are not to call my cell phone before XXXX cst since I work. Since then I have gotten calls at all times of day since then. I just called back to tell them that I politely asked them to not call until after XXXX ... .they lady told me they cant accommodate that. I told her all it is is putting a note on the file. She said they couldnt do it. I explained that I am a bill collector also and her response was ... well not at this office. I then told her to just remove my number all together. The company is Affiliated Credit Services and I believe they are Minnesota. I told them before that I didnt believe I owed a bill to XXXX XXXX. I still have not gotten a letter from them either. I am attaching some screenshots of my call history with times.
Consumer complaint received 2017-10-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BTH Management (CA)

I contacted the collection agency about couple of months ago. I left them a message and did n't received a response back. I called them again during regular business hours and this lady answered the phone. I told her that I would like to take care of my account and that they never contact me after I left them a message. She was not happy with my attitude and hanged up on me. I called back and a receptionist answered the phone call. He keep on placing me on hold and I keep calling back. He then got annoyed and told to send him my email address so he can send me some papers to sign. I told him that all I wanted to do is pay off the loan. I told him that I never had to do this before and he hanged up on me. Last week I tried a different approach. I called the company, XXXX XXXX, that I took the loan from. She said that they could n't do anything because they sold my account. I would need to contact, Plaza Services, which is the collection agency. I tried calling and still be placed on hold. They are giving me a hard time when I am trying to pay off my debts. This collection agency is ruining my credit and it 's wrong. I know I made the mistake and I am trying to fix it. Why give me a hard time when I am trying to pay it. Do n't make any sense.
Consumer complaint received 2017-10-21
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: ALLY FINANCIAL INC. (NY)

I submi
tted Complaint # XXXX and Ally Bank still did not fix the problem. I do not know why the CFPB closed the complaint. THE COMPLIANT HAS NOT BEEN SOLVED!!!!!!!!!!!!!!!!!!!! C.O. OF Ally Bank called me to harass me on XX/X/2017atXXXX. The CFPB is doing nothing about this. When I asked to speak to C.O. 's Supervisor he hang up on me. I am told that Ally Bank and the XXXX XXXX XXXX sold the XXXX XXXX that I retruned and made money off of I but I am still being charged {$2000.00}. I want CFPB to contact Ally Bank and XXXX XXXX XXXX  since they are in partnership to rip off the consumer by selling a XXXX that I leased at a profit and then charging the consumer {$2000.00} for excess mileage.
What is the CFPB going to do about this???
Is the CFPB really trying to help me??
Consumer complaint received 2017-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC. (VA)

Before making a transaction I checked my online account access to ensure that there were no pending charges and that they previous transactions had posted which it showed online that they did. When I checked back the next day several fees had been charged saying the account was overdrafted when it was not. I called the bank and even walked them through what their own system shows me on my online account access and they still have refused to credit me the funds back. When you take away the fees they charged the account would be in positive but the bank says " well how we account for things it was overdrafted '' even when the statement provided to me online contradicts what they say. SunTrust is the only bank I have ever had an issue with and am in the process of closing my account and moving to my other bank. They have done this several times.
Consumer complaint received 2018-04-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (FL)

I have been complaining for the past 8 months about the same issue and nothing is being done about it. For the past 8 months each time I log into my paypal merchant account it freezes my account and forces me to take a paypal introduction tour that I have taken 237 times over the past 8 months. Each time I call in to technical support I get the same response there is nothing they can do to assist me. If I have a problem please write to our legal department. I don't need to speak to legal department I need access to my account ONLINE!!!!!!!!!! I need someone from the head of tech support and or programming to assist me and not talk to the customer service people who keep telling me for the past 8 months and 11 times I have called in regarding this issue we are trying to resolve the issue its been over 8 months they have had enough time to try to resolve this issue. I do not want to speak to legal department just a tech support person that can take charge and solve the problem!
Consumer complaint received 2018-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (MI)

This account is a joint account between me ( XXXX XXXX ) and my wife ( XXXX XXXX ), we have this account since XX/XX/XXXX, XX/XX/XXXX my wife lost her job, we went through hardship time, we were make payment on time for all credit cards, other creditors helped us to keep credit cards open and make payments, Chase Freedom credit card did cooperate with us. In XX/XX/XXXX the account was overdue around {$530.00}, we receive a phone call from Hardship Department at Chase Freedom service, they gave us an offer to pay {$380.00} and schedule the remaining overdue balance on XX/XX/XXXX, in the mean time they will wave three months of interests, this deal will make the account current and will be able to use the card as soon as we make payment of {$380.00}. However, when we made {$380.00} payment as agreed, they close the account and did not fulfill their promise to wave three months of interest, when I called, they claim the representative can not offer such thing, after they listen to phone call, they agreed to wave part of the interest, and refuse to reopen the account. On XX/XX/XXXX we agreed to liquidate the account, they calculated the monthly payment of {$96.00} based on the balance ( {$4200.00} ) that day, we made the first payment {$100.00}, and second payment {$96.00}, however the account was showing overdue {$92.00}, I called them ( XX/XX/XXXX ) they claimed that representative was mistaken, after they listen to phone call, they promised us after we make XX/XX/XXXX payment they will take care of issue, after we made XX/XX/XXXX payment I called them, they claim the representative was mistaken again and they can not fix the issue, I asked for a supervisor, after he listen to phone call he promised to fix the issue, and he emailed another department to correct it while I am on the phone with him. After a week we check the issue was not fix, after they listen to phone they claim supervisor mistaken can not be correct. I spoke to a branch manager, he created a case, two days late a representative contacted me, she stated that this issue will resolved by card services only. The balance on this account is {$4100.00}, more than {$1500.00} interest and late fees because of customer services commitment they did not fulfill, they time we were waiting for they to correct the issue. Today XX/XX/XXXX they called us and refuse to fix the issue and asked us to pay the overdue balance and late charges they added this month. We founded that they reported that the account was late in XX/XX/XXXX, even we made a payment of {$380.00}, and late in XX/XX/XXXX and XX/XX/XXXX.