davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (PA)

I had a Citi XXXX card and haven't used it for a few years. At that time, I had a balance of {$100.00} when Citi changed their web site and I couldn't get in to make a payment. I called them and they assured me that it was fixed and I could go online and set up a new account. This wasn't true. The site didn't allow me to set up a new one because the old # still existed in the system and you can't have 2 accounts with the same #. I was being charged late fees & couldn't fix the problem. This first time, I paid the $ $ to make a phone payment but, with all the other stresses I had at the time, I just stopped paying. Last week, I received a letter from Citi telling me that " at the time of my purchase, I was not credited for a promotion they had '' ( which I told them about years ago BTW and they told me I wasn't eligible. ) The letter I received stated that I was due a refund for {$400.00} that should have been credited to me years ago and this was credited to my account. I called Citi and was informed that I needed to call the XXXX office because everything about my account was with them. I called the XXXX office/funded by Citi and was informed that the {$400.00} was credited towards late and finance fees. I am thinking that if this {$400.00} was refunded for a promotion at the time of purchase, I wouldn't have even owed the {$100.00} so how is it legal that they took the refund and applied it to late fees and finance fees that I would have never had if that promotion was applied? I asked for a payment history so my attorney could take a look at it and they told me that they didn't even have that. They said the account was sold so they have no history on it any longer.
Consumer complaint received 2021-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (OH)

Weeks ago, we applied for a XXXX XXXX XXXX XXXX. We have receive XXXX emails confirming that we have been issued Chase Freedom unlimited cards, urging us to open our XXXX XXXX account on line, and urging us to use those cards. The last two are impossible given that we have never received any XXXX XXXX XXXX cards. Instead, Chase sent us three XXXX XXXXXXXX XXXX XXXX, XXXX in my name and XXXX in my XXXX XXXX name. We - I and my XXXX  - tried to resolve this problem on the telephone without success despite hours wasted. One problem is that the Chase authomated systems universally require that you state your account number, which we have never been told. We filed a complaint with your agency.. 

Today, we received in the U.S. Mails XXXX new XXXX XXXX cards, with a new account number, XXXX in my name and XXXX in my XXXX XXXX name. Again, we spent hours on the telephone with no resolution. WE WERE TOLD THAT THE PRIVIOUS UNAUTHORIZED XXXX XXXX XXXX HAD BEEN CANCELLED, AUTOMATICALLY CAUSING CHASE TO SEND XXXX NEW UNAUTHOIZED CREDIT CARDS TO BE SENT. We were not assured that the cards we actually authorized would ever be sent. My wife having left in disgust after hours on hold and being disconnecged by Chase, Chase 's represenative stated that the second round of unordered cards " can not be cancelled except by XXXX XXXX, the primary cardholder, '' even though XXXX are in my name and XXXX never autorized the cards in the first place. Chase has its rules. XXXX I am told by XXXX that the more credit cards we have in our names, the lower our credit score. So, all these unauthorized cards have a negative impact on our credit score. Wasn't it XXXX XXXX that was sending people unauthorized debit and credit cards? Should I call the U.S. Attorney for the XXXX XXXX of Ohio?
Consumer complaint received 2019-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC (GA)

ENHANCED RECOVERY COMPANY {$590.00} There is no valid claim, no contracts exist ... accounts were settled with original creditors by insurance carrier and has been confirmed. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2019-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NV)

I was misled by XXXX XXXX  and my degree did not do what they said it would so I have submitted the information to the Dept of Education for XXXX XXXX over a year ago but Navient keeps harassing me for payment and charging me interest for a loan that is supposed to be forgiven. Please help.
Consumer complaint received 2019-04-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

One of my student loans was transferred to Navient. Today after reviewing over my payments I noticed that Navient had my minimum payment listed as {$85.00} which I remember specifically that when the loan was serviced by XXXX {$85.00} wasnt my minimum payment but XXXX allowed me to set the specific amount that I wanted to apply to my loan so I selected {$85.00} so I could apply extra to the principal. Well today I noticed Navient had {$85.00} listed as my minimum payment. I contacted Navient to confirm why my minimum payment was showing for {$85.00} when it should have been like {$55.00} or XXXX. Navient advised that {$85.00} was the minimum payment. So I was very alarmed and didnt understand how I would be able to prove this when I could no longer log into the XXXX account since the loan was transferred. Luckily I found one of my old credit reports and it showed that my minimum payment for My XXXX student loan was between $ 49- {$55.00}. Its very alarming that I would be mislead this way. In addition I have over {$40000.00} of student loans with Navient and now I feel like I need to go back through all of my other accounts to audit them to make sure there isnt more misrepresentation going on. I have called my lender last year to discuss various payment options because I just had my first child and I was unemployed half last year and they were not helpful with decreasing my payments. They only offered deferment which I had to pay {$250.00} to proceed with the deferment only for them to add on {$1000.00} of interest on top of that or a reducing my payment by {$100.00} and thats when I didnt have any income and now they are providing inaccurate information about my minimum payment which also has me to believe that they are falsifying the amount applied to my principal vs interest. How am I supposed to know they arent doing the same thing with my other loans that I hold with them.
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I am unable to manage my freeze online at Equifax. Every single time I have to call in and spend half an hour being sold one of their useless products before I can get my credit report unfrozen. I would much rather have no business relationship with a company as incompetent as Equifax, but it appears I have no say in the matter.
Consumer complaint received 2020-06-22
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. (OH)

I have several misspelling and inaccurate information on my report incorrect balance amounts. And unknown addresses. Several companies are reporting inaccurate balances. 
XXXX XXXX inaccurate balances XXXX  XXXX bank XXXX XXXX inaccurate balances XXXX XXXX  My address need to be removed because they are inaccurate or inverted by the numeric portion of the address I would like to dispute this information because by law you are required to report accurate information. The compaines have reported inaccurate information and its preventing me from having a place to live
Consumer complaint received 2024-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2019-03-27
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (FL)

My mother passed away in XXXX. She had an IRA account at Wells Fargo with about {$45000.00}. I am one of 3 equal beneficiaries of the account. I properly filled out a Wells-Fargo " IRA Beneficiary Claim Request '' form requesting my portion of the funds. The form requires a Medallion Guarantee. On XX/XX/2019 I went to my local XXXX XXXX XXXX branch which is one of the banks I do business with. They said their policy is that they can't do the Medallion Guarantee unless the funds are being deposited into an account at XXXX XXXX XXXX. I went to a local Wells-Fargo branch with the form and was told that they couldn't do the Medallion because I didn't have an account with them even though I'm a beneficiary on the account. I also contacted another one of my local banks ( XXXX XXXX ) but was told they don't do Medallions for less than {>= $1,000,000}. At this point, I have no way of getting my funds from them except for their form that is specifically for this transaction, Wells-Fargo has my funds and will not do the Medallion on their own form to release the funds to me. Any assistance would be greatly appreciated.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2021-05-13
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)

This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!
Consumer complaint received 2019-03-27
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. (VA)

I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2021-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (LA)

I entered a consumer credit transaction with the alledge original creditor and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. A third party debt collector JEFFERSON CAPITAL are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. JEFFERSON CAPITAL has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt.
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (GA)

Back in XXXX I called Moneylion to make an payment on an account. The representative told me it would be deleted within 30 days of receiving my payment. That was the agreement verbally over the phone. Those calls are also recorded and monitored. I demand that it be deleted off my credit report. Account was paid as agreed.

Not only is it still on the report its still reporting derogatory status with a comment it was paid after discharge. I have called twice since the initial conversation and was told 1 out of those two conversations that it would be deleted.
Consumer complaint received 2019-03-27
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (CA)

there was an {$18.00} charge by an XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX on my statement on XX/XX/19 & an International Purchase Fee of {$0.00} on XX/XX/19 that I did not recognize. I began immediately to call & try to alert the Fraud investigators at Comerica ( XXXX XXXX XXXX ), my XXXX debit card Account. Their lines were too busy to take my calls until I finally got through on XXXX XX/XX/19. the SR Number is : XXXX for my complaint & XX/XX/19, I got a dismissal letter from the Fraud Division, claiming there was a conflict in my report & disallowing my report of this theft of my SS funds. When I tried to get through to request the documents from the investigation, the lines were busy again. this is about the XXXX time I have had these unauthorized theft of FUNDS in this account & been told it wasn't a theft, but never got the records of the investigation. This is happening way too often, in this XXXX Comerica Account. I need a better result, I hear the same thing from my known XXXX recipients too. The LAW needs to be changed to require at least the business phone number from these HACKERS, so a complaint doesn't get brushed aside. I can't afford these losses of my meager living expenses.
Consumer complaint received 2019-03-26
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: AES/PHEAA (CA)

I initially was making payments each month until I got an email saying to sign up for their auto payment method. I signed up for this through their email link and submitted my information. I hear nothing back and never get a late notice until one day I check XXXX XXXX and I have 4 delinquent and 4 late payment notices on my once perfect credit score.  I called them and explain my case even submitting a dispute and a letter sent to their office and no one can explain or help. This was a technical error on their end. I tried working with them and even set up auto pay again and called and confirmed. I just need it off my report because it is preventing me from getting credit cards and getting my loan for grad school.
Consumer complaint received 2021-05-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (LA)

I made a purchase using PayPal and after several attempts to reach the seller of the item I reached out to PayPal for assistance and the seller magically responseed to PayPal when I opened a case against them for refusinf ro send me a return label to return the fraudulently items they sent me that was nothing like the advertisement on the website. After XXXX got involved they said I have until XX/XX/XXXX to return the item but they refused to provide a return label to return the item. I have no problem returning the items but I will not pay for shipping the items back as this was not what I ordered in the beginning.
Consumer complaint received 2019-03-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MA)

I applied to the PHAA/XXXX XXXX Public Service Loan Forgiveness ( PSLF ) program on XX/XX/XXXX. I received the acceptance letter dated XX/XX/XXXX ( see attached document ). Then I received a letter dated XX/XX/XXXX stating that the number of my qualifying payments accepted into the program were 18 payments ( see attached document ). The problem started when I received one letter dated XX/XX/XXXX showing the correct 29 qualifying payments at that time and then a week later I received a letter dated XX/XX/XXXX showing only 14 qualifying payments for that time same period. On XX/XX/XXXX I called XXXX XXXX to report the issue and was told a review would be completed within 90 days. I have called again on XX/XX/XXXX, XX/XX/XXXX, and finally again on XX/XX/XXXX without resolution. ( See attached call logs ). Please see my attached documents which support my statements. 

I have been waiting over a year for a resolution to this problem. This incorrect information changed my loan discharge date by 15 months. I am very concerned that due to the incorrect information, XXXX will break the 120 payment agreement for the PSLF program and require that I pay XXXX  in error. If the information is not corrected this is exactly what will happen.
Consumer complaint received 2019-03-26
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST REPUBLIC BANK (CA)

In XX/XX/XXXX, my wife and I obtained a loan from First Republic Bank to refinance {$170000.00} in student loans. We have made every monthly payment on time and in full since the origination of the loan. Two months ago, in XX/XX/XXXX, First Republic Bank began reporting the loan to consumer credit agencies. However, they only listed the most recent monthly payments ( XX/XX/XXXX and XX/XX/XXXX ) as on time despite the fact that there have been 30 months of on time payments. No data is reported for all payments prior to XX/XX/XXXX. 

I asked First Republic Bank to update the credit reporting with the complete payment history of our loan, and they replied that " the system/process wasn't in place to make sure that we were fairly and consistently applying reporting. '' The bank refuses to update my credit report to reflect the long history of on time payments.
Consumer complaint received 2016-12-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (PA)

I paid my final bill to XXXX, sometime in XX/XX/XXXX. I no longer owe them money, or even have an account with them. At least once a week I receive a phone call from Southwest Credit about the " debt. '' I have informed them many times that it has been paid, and I even called XXXX to straighten it out, and I am still receiving calls and letters to my home.
Consumer complaint received 2016-09-08
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

I have recently been declined for a loan modification, and am having a very difficult time with Ocwen. After my decline for a modification Ocwen offered me a forbearance plan. {$9500.00} due XXXX XXXX and {$2600.00} due by XXXX XXXX. After everything I 've been through how can I pay that? And when Ocwen has just reviewed all of my paperwork how can they even offer that? It 's crazy. In XX/XX/XXXX my wife lost her job and we had to use all of our saving to make the payments. We did this all through XX/XX/XXXX. We fell behind in XX/XX/XXXX and applied for a modification. We received the modification and started to make payments again. Unfortunately XX/XX/XXXX w fell behind again due to the fact my wife 's mother became ill and passed away. We continued to make payments well into XX/XX/XXXX. In XXXX XXXX we made a payment and it was returned. We had a fraud on our bank account that caused this, and took over a week to correct. Now Ocwen will not accept payment and is forcing us into a foreclosure.