davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

In mid-late XXXX I requested that XXXX do an investigation or thorough count on the number of payments I have made that count towards the 120 PSLF payments since I did not feel the number they gave me was accurate. In early XXXX, I believe XXXX or XXXX, I received a call from a representative at XXXX, asking if I still wanted the count completed and I indicated I did. I called roughly 6 months later ( and about a year after my original request ) inquiring about the status of the count considering one of my statements showed two different numbers for my two loans, one being in the 70/80 's and the other in the 30 's. I was told at that time that they hadn't even started the count until XXXX, and according to their false records I hadn't requested it until XXXX -- which is completely untrue but XXXX treats me as if whatever their records say is fact and could not possibly wrong. I spoke to someone in XXXX XXXX and inquired about the count since it continues to be incorrect on my statements, not to mention I've never been given any type of resolution or letter indicating their findings ; I was told it still isn't complete and they have no clue when it will be done. When I call XXXX for any reason, I get anxiety because of the lack of consideration, being told I'm essentially a liar because they don't see something I've said written in a note in their system, and inconsistent answers/recommendations between a representative and supervisor. I requested the count be done about 18 months ago and it has yet to be done. I fear that this will go on to effect my forgiveness and prolonging payments I have difficulty making. I consolidated my loans in XXXX and have been employed FT continuously since XXXX ; which stands to reason I should complete the PSLF payments in XXXX, which is the reason I felt the count was incorrect. I am beyond frustrated with XXXX and would like assistance in resolving since I have no way in doing so besides calling and asking ; which I do not feel should be expected for them to do their job in a reasonable amount of time.
Consumer complaint received 2019-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (GA)

In XXXX of 2019 I purchased a phone from XXXX  on that same day they allowed someone to purchase a second phone in my name I called XXXX corporate office and the store where he phone was purchased they asked for a police report I gave them that I also contacted XXXX and sent them the police report still nothing. This action is preventing me from moving forward with my plans because its on my credit now
Consumer complaint received 2019-02-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (NH)

On XX/XX/XXXX I spoke with our account representative about the process of submitting a short pay offer. My A/R told me to submit an offer via email with the offer amount and proof of funds, which I did on XX/XX/XXXX. After no response from the A/R I called several times to make sure he had received the email. When I spoke with the A/R via phone about 2 weeks later, he told us that he had misspoken about the process and that he would be emailing me a form to fill out with my offer terms. I did not receive any form and emailed again XX/XX/XXXX to question when I would be getting this form. I never received a form and emailed again XX/XX/XXXX to inquire. After several voicemails that were never returned I called the Customer Service phone number XX/XX/XXXX and was connected to my A/R. He told me he was still waiting for the form from his boss and that he would send it to me before the end of the day. I confirmed my email and phone number with him. I never received a form. I called again XX/XX/XXXX and the A/R told me that my account had been transferred to a different account representative. He instructed me that I needed to resend my offer and proof of funds. He said he would send them to the new A/R. I sent him the information the same day. I left several email for the new A/R and she has never called me back. I called Customer Service again XX/XX/XXXX to confirm the receipt of my offer. The representative could not give me any information and was not able to reach the new A/R. I emailed the A/R again to confirm receipt of my offer and she has not contacted me since then. 

Fay Servicing has been completely unresponsive to me and I feel they are trying to stall in an attempt to avoid dealing with my request. This loan is in jeopardy of going into foreclosure for a second time and this company is letting that happen by not responding to my correspondence.
Consumer complaint received 2019-07-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (TX)

Used the XXXX app on my Wells Fargo online account to send money to someone twice once for XXXX dollars and again for XXXX dollars they werent able to receive the money but Wells Fargo took it out of my account I called Wells Fargo and they summited a claim then sent me a letter saying there not responsible for the money that it was already processed I told them I know because Im the one out of the money but no one received it it should be there responsibility since it was there website I used
Consumer complaint received 2019-07-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: JPMORGAN CHASE & CO. (MD)

On XX/XX/XXXX, XXXX XXXX XXXX filed a false claim against me in the District Court of Maryland for XXXX XXXX stating they were the owner of an account I had with Chase Bank in the amount of {$1000.00}. An Affidavit of Service was filed with the court made with false statements that the Process Server personally served me on XX/XX/XXXX, which is completely false. I was never served by this processor. A Bill of Sale was filed with the Courts which was dated XX/XX/XXXX and stated it is by and between XXXX XXXX XXXX XXXX XXXX, a Delaware limited liability company ( the " Seller '' ), and XXXX XXXX XXXX, a Delaware limited liability company ( the " Buyer '' ). The Bill of Sale is clearly from a junk debt buyer and does not mention my name, social security number, and original credit account with Chase Bank. XXXX XXXX XXXX is not the legal account owner of any accounts I previously had with Chase Bank. I was not an educated consumer and was intimidated after finding out I had a judgment against me and was receiving a notification that my wages were going to be garnished in XXXX of XXXX and I contacted the Attorneys, XXXX XXXX and XXXX, who represented XXXX XXXX XXXX according to the notice I received. I made payments to avoid a garnishment after the law firm used deceptive tactics to make me believe I owed them money. I had a lot of financial difficulties and could not afford to make payments continuously. I was not aware that XXXX XXXX XXXX was not the legal owner of my account until recently after my wages were garnished and I started doing legal research and found out XXXX XXXX XXXX had violated the Consumer Financial Protection Act of XXXX, the Fair Debt Collection Practices Act, and the Fair Credit Reporting Act. XXXX XXXX and the attorneys representing them did not verify that the records, including the Bill of Sale were accurate and legal before filing a lawsuit against me and causing me mental anguish and emotional distress by garnishing my wages. They will not attempt to prove standing and are now refusing to provide me documentation I am requesting to prove they are the legal owner of my account and had a legal license as a collection agency in the State of Maryland.
Consumer complaint received 2019-02-08
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. (GA)

I checked my credit report and saw i had a collection with XXXX XXXX, i reached out to this company multiple times through the mail to be clear on this alleged debt. They refuse to valdate it, i would like to see a copy of the original contract for credit with my wet signature, and looking at the rates of this loan, they are 20 %!!!!! That is predatory lending!!!!! Please reach out to this company, i dont know what else to do.
Consumer complaint received 2019-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (TN)

I closed my Citicard account 2 months ago. At that time, I paid the bill off in full. When I called Citi, I got a final amount of all charges, which I paid. I closed 2 other credit cards at that time, paid them off in full with the help of a loan from my parents, and I am now on the XXXX XXXX plan -- not using any credit cards, and paying off the debt amount to my parents at a lower interest rate. 

Citi did not close the account ; they charged me an additional XXXX cents - yes, less than a dollar -- for interest. 

Now, they are billing me for {$82.00} -- the XXXX cents, plus 2 billing late fees. I called them, and they will not waive the late fees. 

I am happy to pay the XXXX cents to Citi. I will not contest that despite the fact that the amount I paid was supposed to be final. But I refuse to pay the {$82.00} in late fees. 

Do I have any recourse? This is extortion.
Consumer complaint received 2018-11-21
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/2016, I had a consultation with a XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, in XXXX, California who obtained my personal information through both my personal and medical history forms, such as my social security number, my date of birth and my income. This information was used to open a Care Credit account in my name at the XXXX XXXX XXXX XXXX in XXXX XXXX without my prior consent or knowledge. 


According to current legal regulations, a doctors 's office who opens a Care Credit account for a patient must wait a minimum of three ( 3 ) days before the doctor can preform any procedure ( s ) over {$1000.00}  on a patient in order to get paid by Care Credit. The XXXX XXXX XXXX XXXX in XXXX XXXX performed an illegal act by opening a Care Credit account in my name without my prior consent or prior knowledge on XX/XX/2016. When I called Care Credit, the representative that I spoke with confirmed that my account was open at the XXXX facility. In fact, I was working full-time on XX/XX/2016 in XXXX, California which is 89 miles away from my workplace in XXXX. 


My initial consultation with the doctor, XXXX XXXX, at the XXXX XXXX XXXX XXXX in XXXX XXXX was on XX/XX/2016. That was the day in which my procedure was initiated and completed. Not only did the XXXX XXXX XXXX XXXX in XXXX XXXX fail to inform me that they opened a Care Credit account in my name four ( 4 )  days prior to my initial consultation with the doctor who performed the procedure, but the treatment coordinator at the XXXX XXXX XXXX XXXX in XXXX, California intentionally withheld a critical piece of information during my treatment coordination consultation on XX/XX/2016. 

The treatment coordinator, XXXX XXXX, purposely withheld that the {$1000.00} used to schedule a consultation appointment with the doctor is non-refundable only until after the transaction was processed and completed. I felt coerced. Since there was no way to back out without incurring a financial loss, I felt forced into agreeing to have the procedure done with XXXX XXXX XXXX on the day of my initial consultation with the doctor on XX/XX/2016. 


In conclusion, the following two actions constitutes unethical, unprofessional and fraudulent activities on behalf of XXXX XXXX XXXX. First, withholding the fact from me that the {$1000.00} used to schedule a doctor 's appointment is non-refundable only until after the transaction was completed ( XX/XX/2016 ) and secondly, opening a Care Credit account in my name by using Personal Protected Information ( PPI ) without my prior consent or knowledge on XX/XX/2016. 


I am requesting that the complete amount of {$10000.00} be refunded immediately back to me since XXXX XXXX XXXX illegally opened a Care Credit account and processed the transaction with disclosing all the information.
Consumer complaint received 2019-02-08
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. (IA)

I first contacted Equifax on or about XX/XX/2018 about an incorrect address on my credit report that caused incorrect information being sent out about me. I later determined that Equifax had me and my daughter mixed up. This caused my daughter 's information to be associated with my social security number. In the weeks that followed they refused to change anything because they claimed to have credit information from a local bank to prove what they had was correct. They would not show me that information but I determined it came from me co-signing for a loan for my daughter. They have made a mistake and will not correct it. Also they will not send me a copy of the credit report they have on file.
Consumer complaint received 2018-11-19
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. (IN)

XXXX lowed my credit score on XX/XX/2018 by 69 points for no reason other than I received an increase in my allowable credit. I have tried to fix this with them and on this site. It still has not been fixed. 

Equifax lowed my credit score on XX/XX/2018 by 59 points for no reason other than I received an increase in my allowable credit. I have tried to fix this with them and on this site. It still has not been fixed. 

I understand how credit scores work and my score should have increased instead of decreasing.
Consumer complaint received 2019-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NM)

On the most recent statement I received on my Southwest Rapid Rewards card, there is a XX/XX/2019 transaction in which I paid a landlord in Euro 's. I was charged an exchange rate of {$1.00}. On or about XX/XX/XXXX I checked to find the official exchange rate between Euros and Dollars. It was {$1.00}. That is a difference of {$0.00} for each dollar. That seems to me to be exorbitant. I inquired with Chase Bank and was unable to receive a satisfactory explanation for why such a discrepancy and who is getting the XXXX cents on each dollar and how is that expense justified.
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CO)

I initiated a TEMPORARY LIFT on Credit Freeze on XXXX XXXX, XXXX for ONE DAY ( until XX/XX/XXXX ) from myequifax.com online account - so, after XX/XX/XXXX my credit file should have automatically frozen again. However, as of today XX/XX/XXXX ( 2 months later ) the 1 Day temporary lift still exists in my account at myequifax.com and it shows " You have temporarily lifted your Equifax Credit freeze UNTIL XX/XX/XXXX '' - please see the attached image. Their software/system should have automatically frozen my credit file again as per schedule, after the 1 day temporary lift period expired on XX/XX/XXXX. Also, since the temporary lift still exists in the account, it is no longer allowing me to add/manage/schedule any NEW/FRESH temporary lifts and shows a message saying you already have a temporary lift in place ( image attached ). I want them to FREEZE my credit file again.
Consumer complaint received 2019-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

The following fraudulent accounts and credit inquiry keep reappearing on my Equifax, XXXX and XXXX XXXX credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, {$5900.00}, XXXX XXXX, {$14000.00}, XXXX XXXX XXXX XXXX, {$8900.00}, XXXX XXXX XXXX XXXX, {$3100.00}, XXXX XXXX XXXX XXXX, {$30000.00}, XXXX XXXX  XXXX XXXX, {$370.00}. The fraudulent accounts dont belong to me. My U.S. Senator XXXX XXXX in the United States Senate and from XXXX is possibly going to call senate hearings for executives from Equifax to come before Congress and testify under oath about my case and numerous other constituents thats having constant issues, problems and disputes with Equifax in regards to fraudulent accounts and credit inquiries reappearing on my and other peoples Equifax credit reports, after Equifax has deleted and permanently block the fraudulent accounts and credit inquiries from my and other peoples credit reports numerous times.
Consumer complaint received 2019-07-15
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. (FL)

See attached documents from XXXX XXXX/ XXXX XXXX credit card services, in reference to this fraudulent account that has been disputed several time with all 3 credit bureaus and also reported to Identity Theft. XXXX has already deleted this account by XXXX XXXX by their investigation and also sent me an updated credit report via mail. I am requesting for Equifax and XXXX to remove this account from my credit file immediately. This account was opened unauthorized and is damaging my credit file. See attached documents from the creditor.
Consumer complaint received 2019-07-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: VW Credit, Inc (NC)

On XX/XX/XXXX, I was involved in a vehicle accident that resulted in my XXXX XXXX XXXX being declared a total loss by XXXX XXXX. After the collision center at XXXX XXXX XXXX in XXXX, NC, submitted paperwork to XXXX XXXX on XX/XX/XXXX, the insurance company sent the necessary power of attorney documents to my mother, XXXX XXXX, on XX/XX/XXXX. The car loan from VW Credit is in my mother 's name due to the fact her credit score is higher than mine and she was able to secure a lower APR when we refinanced the vehicle XXXX years ago. However, the vehicle has been in my possession since XX/XX/XXXX, and I reimburse my mother for all car payments. 

XXXX XXXX informed VW Credit on XX/XX/XXXX, that my mother and I had completed all necessary paperwork and had accepted the payout amount of {$5500.00} to go towards paying off the vehicle. XXXX XXXX requested VW Credit sign a letter of guarantee and send to the XXXX XXXX total loss department as soon as possible so that a check could be cut and overnighted to VW Credit. 

For the past 10 days, VW Credit has sat on the letter of guarantee, refusing to sign it. In the meantime, VW Credit continues to draft my mother 's bank account for car payments on a vehicle that is currently sitting in a salvage yard. On XX/XX/XXXX, VW Credit drafted her account for {$220.00}. I have reached out to VW Credit on several occasions, but I've been given the runaround. XXXX XXXX has contacted VW Credit on a daily basis to expedite my total loss claim but VW Credit refuses to acknowledge its fiduciary responsibility and sign the letter of guarantee. 

In the meantime, I am having to pay out of pocket for a rental vehicle. The current cost is approaching {$500.00}. I believe that VW Credit should do its job and close out our account, so that I may purchase a new vehicle. This is creating an undue hardship due to the fact I commute XXXX miles roundtrip to work every single day.
Consumer complaint received 2019-07-12
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. (GA)

Yesterday I went to the dealership shopping for a new car. l was approve with an extremely high interest rate so I checked my credit report again to see why my rate was so high. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I have reached out to the FTC and to my local police department and I am doing this on my own and need these items deleted from my report. XXXX. XXXX XXXX. XXXX, XXXX XXXX. XXXX XXXX. US DEP ED,  XXXX, XXXX XXXX XXXX XXXX XXXX. INQUIRIES : XXXX, XXXX
Consumer complaint received 2018-01-15
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: EQUIFAX, INC. (FL)

XXXX XXXX requested a hard inquiry of my credit report on XXXX XXXX that was not authorized or request by me. I tried to contact that company, and they didnt resolved the issue. I lost about 10 points in my credit score.
Consumer complaint received 2018-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (DC)

I am writing to request the correction of Barclays ' credit reporting on my credit card account. 

The barclaycardus.com website has not allowed some users, including me, to log in since XX/XX/XXXX. My son had the same problem logging in to his barclaycardus.com account, and technical support created a ticket when he called regarding this issue -- ticket number XXXX. However, the problem has not been fixed as of XX/XX/XXXX. Since I was not able to log in to the website for an extended period, a small balance around {$30.00} became past due on the account which Barclays made impossible for me to know since their website was still not fixed. I did not receive any mail regarding this either. Consequently, I did not know any money was due. When I learned of this in XX/XX/XXXX I fully paid and closed the account. Yet Barclays refuses to correct its reporting to credit agencies. As a result my credit score declined by almost 100 points. Barclays made it  impossible to pay the bill by failing to keep its website operational for at least five months. I think Barclays should not be permitted to report their website problems as late payments on my credit history. 

I called Barclays and asked them to correct their credit reporting and was told that I would have to send a letter. So I sent Barclays a letter ( to Credit Bureau Disputes ) to which they responded by saying that they will not make any corrections. 

Customers are accustomed to the ability to check all transactions online or to receive paper statements that they can audit. But Barclays has provided neither. I do n't understand how because of Barclays ' failure to provide me with a monthly statement my credit score has to fall by almost 100 points.