davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Date of Birth : XXXX XXXX Social Security Number : XXXX There is a tax lien on my credit report with Equifax and XXXX that should not be reported. I have attached the documents showing paid. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2018-12-13
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. (PA)

Hi, I sent out a letter to XXXX/XXXX which was delivered on XX/XX/2018 requesting some information that was reporting in error. The response that I received back from this company was very disheartening and I feel like I am being taken advantage of by this company and the credit bureau 's. I am going on about 12 months of trying to fix this issue, and everyone is simply ignoring me and disregarding my request. The letter that I sent to XXXX/XXXX in XX/XX/XXXX clearly stated exactly what I needed to prove to them that the information may be reported in error. However, they simply replied back stating that I didn't request anything in specific. To prove my claims, I've attached the letter I sent, with my request inside of that letter, and also their response from my letter, which came over a month and a half later. This company has a reputation of illegal loan shark transactions and the accounts they set up are with ridiculous late fees, and the billing cycles are set up to increase the likelihood of missing a payment. I am at my wits end with this situation and I need this resolved immediately!
Consumer complaint received 2018-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OH)

I am in the IBR repayment plan and the PSLF program. As of XX/XX/XXXX, both my unsubsidized direct and subsidized direct student loans were both scheduled to be forgiven on the same date in XX/XX/XXXX -- which makes sense, as they have been consolidated for nearly twenty years. 

However, this year, twice within the month of XXXX, suddenly, and apropos of nothing, XXXX, the servicer, reevaluated the number of " qualifying payments '' on the unsubsidized portion of the supposedly previously consolidated loans and reduced the number of qualifying payments I have made by eight. 

I sent a detailed description of the problem to the servicer, asking for an explanation and some justification. I also opened a case with the servicer 's Ombudsperson, with identical text. 

The servicer responded a week later with boilerplate from the servicer 's website making reference neither to my stated issues, nor to the resolutions I had requested. I responded with a polite, but firm request for an actual, thoughtful, dispositive, responsive, non-robotic reply to my problem. The servicer responded with an even shorter, less relevant reply containing a passage of boilerplate text that had appeared in the original response. It's obvious the replies are almost certainly automated, or are keyword-generated by XXXX speakers working under strict time constraints. The Ombudsperson could not be bothered to reply at all.
Consumer complaint received 2017-10-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NJ)

XXXX I called Goodyear to complain about a {$10.00} FEE when I withdrew just {$20.00} from my XXXX XXXX XXXX ATM, on XXXX XXXX, XXXX. Goodyear employee told me that they were just following the law and the fee was valid. I believe it is usurious to charge 50 % fee for a small cash transaction of {$20.00}, Goodyear would not budge on eliminating the fee. My credit is XXXX with Goodyear having paid off purchase of XXXX tires.
Consumer complaint received 2017-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (ID)

On XXXX2017 I contacted XXXX XXXX ; the new company name of Nationstar Mortgage. While Nationstar Mortgage, I accessed my online account and opted out of all marketing offers ( mail, email and calls ) from both Nationstar and their partners. They were very aggressive in their marketing efforts ( multiple calls requesting I return calls only to find out it was a sales call, priority deliveries of refinancing sales flyers which interrupted my work day at least weekly if not more often ), etc. 

The onslaught restarted when XXXX XXXX replaced Nationstar. I again accessed my account through XXXX XXXX to reset my communication preferences only to find they do not offer that via their website. So I called and requested the marketing from XXXX XXXX and their marketing partners cease. I received a confirmation of my cease and desist request in a letter dated XXXX from XXXX XXXX stating that I would now not receive ANY communications ( sales or account management ) from their company ( ie - account problem emails, escrow payments, etc ) as I do not agree to receive their sales communications. I really do n't feel that if I refuse their marketing, I am refused communication regarding my account ( except the monthly bill ) and that was not my original request -
Consumer complaint received 2018-09-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (CA)

on XX/XX/XXXX Westlake financial issued a check in the amount of XXXX for account overpayment which i n never received or was every cashed. So i received from to fill out saying i never received or cashed. they received the form XX/XX/XXXX ever since then its been a battle to get them to cut me check for my money. I only have till XX/XX/XXXX for them to give it back or they submit my money to the CA Unclaimed Property Program.
Consumer complaint received 2017-10-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

Chase LN XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Chase is committing servicing fraud on this file. Chase is taking a week to issue closing approval and refusing to issue closing approval until XX/XX/XXXX. 


In their approval letter Chase requires the HUD and signed closing docs 72 hours prior to closing in order to have time to review the documents. Therefore, on XX/XX/XXXX ( Tuesday ) I sent the HUD and signed closing docs along with a request for closing approval so that we may close as quickly as possible. ( see attached documents 'HUD for closing approval us ' and 'Approval Chase all fe '. They would not un-pause the task to upload the closing docs until we called in and requested that it be done immediately. We request extensions automatically on all our short sales with Chase because they are so apathetic to the timeliness of these closings. We put an estimated closing date on the HUD of XX/XX/XXXX because Chase consistently requires multiple escalations in order to give HUD approval to close. We gave them extra time just in case we know they are incompetent to begin with and we ALWAYS have to call in and push them to do their job. As it turns out, there was no point in doing this. The Chase rep I spoke to today said that closing approval was scheduled to go out on XX/XX/XXXX ( same day as closing ) and they didnt care when the closing docs were received they refused to work on the docs within the 72 hours stated on their approval letter. ( see attached 'Approval Chase XXXX ' ) No one at Chase even seems to know what TRID means. Has anyone at Chase even received the federally required TRID training? As an originating lender Chase will not even order funds without closing approval which means they would have to have closing approval 24 hours in advance of closing. Waiting until 1 hour before funding cutoff is not acceptable. Chase is an originating lender and they should know this. Its not rocket science. 



Chase is taking ONE WEEK to review closing docs. THIS IS NOT ACCEPTABLE. 

Why is Chase directing their employees to violate their own approval letter? Why do we have to consistently push and escalate the closings with chase in order to get them to do their job??? 


We are not the only ones with these same issues - see attached 'SS Superstars same isses pdf '. 



Would you like us to post recordings of the phone calls online?
Consumer complaint received 2017-10-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC (NJ)

They lied about speaking with me and put lies into my " file '' stating i oked things i never did or stating they spoke to me and never did. They charged me additional " interest '' on the already high interest that i paid. i sent my payments to the address that was given on the payment coupons and apparently the computers do n't link together because every month they would call harassing me about being late.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX  - {$1300.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2018-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge 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: DISCOVER BANK (TX)

Found out recently that Discover Card has been charging me for payment Protection Services of which I have no recollection of authorizing. Came to my attention particularly since this year XX/XX/XXXX since apparently I have previously not kept a balance. 

I called in to dispute the charges and was able to successfully cancel this recurring charge and get them to back out the last charge for XX/XX/XXXX, but they refused to remove any previous charges. On XX/XX/XXXX I spoke with XXXX, then, XXXX, then XXXX, and finally Supervisor XXXX ( sp? ) to no avail. They were unable to provide me with any proof of my authorizing this recurring purchase. 

XX/XX/XXXX Charges XX/XX/XXXXXX/XX/XXXX8 DISCOVERPAYMENTPROTECTION XXXX XXXX {$8.00} XX/XX/XXXX XX/XX/XXXX DISCOVERPAYMENTPROTECTION XXXX {$9.00} XX/XX/XXXX XX/XX/XXXX DISCOVERPAYMENTPROTECTION XXXX {$70.00} XX/XX/XXXX XX/XX/XXXX DISCOVERPAYMENTPROTECTION XXXX {$73.00} XX/XX/XXXX XX/XX/XXXX DISCOVERPAYMENTPROTECTION XXXX {$72.00} XX/XX/XXXX XX/XX/XXXX DISCOVERPAYMENTPROTECTION XXXX {$69.00}
Consumer complaint received 2018-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (FL)

Viewed online my credit card information on XX/XX/18. Upon signing into and reviewing my account the statement reads " Enrolled in Repeat Payment '' ; below that it stated " No payment is required at this time ''. THIS INFORMATION IS FALSE AND MISREPRESENTS THE TRUE NATURE OF THE PAYMENT DUE. In fact a separate page lists the payment due on XX/XX/18. Barclays asserts that their statement " implies '' that because it lists " Enrolled in Repeat Payment '' that in fact " No payment is required at this time ''. FALSE. 

The crime here is the consumer, ( me ) might assume no payment is required and not list the upcoming required payment in their checkbook causing their balance to be overdrawn, causing overdraft penalties ; and they might inadvertently make a " late payment '' to the credit card company thus incurring late charges and/or interest charges from the credit card company. Furthermore this webpage also states, " Your scheduled payment of {$200.00} pays your statement balance of {$200.00} ''. It should more accurately state : " Your scheduled payment of {$200.00} ( due on XX/XX/18 ) pays your statement balance. A clear intent to mislead consumer for the benefit of Barclays.
Consumer complaint received 2018-06-20
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (VA)

XXXX XXXX XXXX XXXX is showing 90-120 days late payments on credit report. I was told that I was in retroactive deferment. I was told that months that I had missed would have been taken care of but they are showing late on my credit report. The dates are XX/XX/2014 in three loans with XXXX
Consumer complaint received 2018-06-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HOME BANCSHARES, INC. (AR)

XXXX was ghost frauded out of my account somewhere around XXXX thru XXXX of 2017. therefore making my house payment be sent back for insufficient funds. XXXX XXXX isn't working with me to resovle this matter, all there looking at is the ATM withdraws not the POS.
Consumer complaint received 2018-06-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (TX)

I purchased my home in XX/XX/2017. At that time I paid the property taxes in closing. In XXXX, Ditech paid those taxes again by their own error. XXXX XXXX immediately refunded the payment to Ditech. Since then, Ditech has continued to charge me for the payment they made in error to XXXX XXXX. The refund was not credited to my escrow account and Ditech has increased my monthly payments by nearly {$500.00} to cover the " shortage '' in escrow due to their error. I've contacted the company numerous time. My emails go unanswered. My phone calls are redirected repeatedly or I get hung up on.
Consumer complaint received 2018-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CA)

I received a couple checks as payment for a job. Before I accept the payment i called the banks owner of the check and verified that the payment was legitimate. I also asked the customer to see there ID. 1 out of the three cleared, and now Wells Fargo is faulsly accusing me of giving a fake check.
Consumer complaint received 2018-11-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA (NJ)

There is a letter attached that explains my dilemma and the substantiating paperwork. Additionally what is briefly indicated in the letter is a prior complaint I had as it relates to their not honoring the extension promised after I paid all the late fees. I included copies of the confirming fax that I sent several times which claimed to have not received. I spoke with several representatives as indicated. There seems to be a systematic web of deception. 

This complaint is regarding my car having been repossessed and retrieved by me. They are still claiming I owe two payments. I have attached the proof that I paid.
Consumer complaint received 2018-11-01
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. (CO)

We took out a lease on a 2018 XXXX XXXX. The leasing company was extremely slow in providing us with any invoice or bill which contributed to the confusion. We purchased the vehicle in XX/XX/2018. A payment for the vehicle was made at the time of purchase. A subsequent payment was made in XXXX for the amount due. Another payment was to be made in XX/XX/2018 in which we were late. This payment was made on XX/XX/2018 as per the attached confirmation. This was several days before it would have been 30 days late ( XX/XX/2018 ). In the leasing companies over zealous handling of this matter they now show us late on our credit reports. This was explained to them by phone, but their representative either did not understand it or did not care. We are attempting to avoid litigation but our patience is running out. We have attached the confirmation sent to my wife 's email.
Consumer complaint received 2018-01-07
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: CITIBANK, N.A. (CA)

I noticed cash advance against my citi bank credit card on XXXX 2017 for an amount of {$140.00}. I called citi about the transaction since it was a fraudulent transaction and the customer service rep. told me that the amount was withdrawn using a cash advance check. When I informed them that I had this was a fraudulent transaction, the bank assured me that they would investigate the transaction. I called the bank again and they told me that they would refund the amount. I asked them to also close the account since I was not using the credit cards and the customer rep. assured me that the they closed my accounts and the issue was settled. 

A few months later I received a letter from citi informing me that they had requested additional documents from me ( I did not receive any additional communication from them ) and since I did not respond to their request they charged me for the {$140.00}. I had auto pay setup on the account and this money was deducted from my bank account.
Consumer complaint received 2018-11-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I applied for a loan with a bank " XXXX XXXX '' and was given poor credit score, which XXXX XXXX said they got from Equifax after I had them go back 2x to review their files. When I inquired with Equifax on XX/XX/18, I was not given information I requested. I was told they can not give me my credit score. I went through 30 tortuous minutes of identification and they had my wrong address even though I've been living in the same house for 15 years and dozens of credit accounts. After I spent half the time identifying myself and the other half trying to resolve, I was told that they had looked at my file and COULD NOT identify anything derogatory in it. This stemmed from all my credit score monitoring saying me I had a scores north of 780 and Equifax reporting that it was XXXX. I requested to speak with a supervisor since they would not give me my score or resolve the discrepancy. As of the submission of this complaint, I have been on hold for 1.5 hours and counting ... ... This system is wrong, broken, and another symbol of big Corps controlling the process and the rules to the detriment of the citizen ... .Please have someone respond to me to tell me what can be done about this extremely poor service and I can not resolve why Equifax gave the wrong creditscore to a lender and I can do nothing about it!!! thanks.
Consumer complaint received 2018-11-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hollis Cobb Associates (GA)

the following is a copy of the summary letter submitted to the collection agency : XX/XX/2018 VIA CERTIFIED MAILING XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Creditor : XXXX XXXX of XXXX/XXXX Hospital Disputed amount owed {$260.00} Patient : XXXX XXXX XXXX To Whom It May Concern : I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 

I am disputing this debt because I do not owe it. This debt was paid directly to XXXX XXXX of XXXX on XX/XX/2018. 

Please allow this to also service as notice that have filed a complaint with the Federal Trade Commission/Consumer Financial Protection Bureau ( CFPB ) due to unethical and potentially fraudulent business practices by XXXX XXXX and XXXX XXXX XXXX/Hollis Cobb. Based on activities by both entities, it appears they are attempting to collect twice on the same account. Please refer to the following summary of events : XXXXreceived final notice from XXXX XXXX of XXXX. The notice was dated XX/XX/2018 and indicated Due DateUpon Receipt. 

XX/XX/2018payment made directly to XXXX XXXX of XXXX for {$260.00}. Confirmation number for payment : XXXX XX/XX/2018received call from XXXX XXXX XXXX regarding the alleged debt. I explained to the representative that this was not a valid debt. I provided the payment confirmation number but the representative stated it was not a valid payment since I did not pay them directly. 

XXXXspoke with XXXX from XXXX XXXX of XXXX. She advised that she would send request to have account pulled from XXXX XXXX XXXX. 

XX/XX/2018XXXX from XXXX XXXX of XXXX advised that my account would update automatically and this would resolve the issue with XXXX XXXX XXXX XX/XX/2018received missed call from XXXX XXXX XXXX. Returned the call to them. At that time, explained again that I paid the original creditor. The representative was aggressive during the call requesting payment. At that time, I explained that under FCRA they are to provide written notice to me and allow me the opportunity to dispute the validity of the debt. I also requested that per the FCRA, no other calls be made to me from XXXX XXXX XXXX XXXXreceived notice from XXXX XXXX XXXX. The letter is dated XX/XX/2018 but not received for over 2-weeks. XXXX XXXX XXXX initial contact with me was on XX/XX/2018. I believe this is an unethical delay in complying with my rights under the FCRA guidelines. 

XX/XX/2018 -- XXXX XXXX XXXX still shows this amount due which is incorrect and XXXX XXXX of XXXX Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2018-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (SC)

Contacted Wells Fargo Financial about a joint account that showed up on my credit report. I have never had a joint account and they could not tell me where this item came from. The charge/off of this account by Wells Fargo Financial has had negative impact on my credit rating.