davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Bliksum, LLC (CA)

Back in XX/XX/2018 my checking account was hacked which resulted in me missing a couple payments. When I got a new checking account number I tried to explain it to the company but they told me that they could not help me unless I paid the entire past due balance or paid the entire loan amount. Of course that was not possible. Now my friends, family, and old job sites are getting phone calls looking for me and threatening to garnish my wages. They called someone today, XX/XX/18, and told them they were going to garnish my wages if I didnt call back. They also stated that they sent numerous letters and made several phone call attempts to me without success. Unfortunately this is not true. I have never received a call from this company nor have I ever received mail from them. 

I need assistance to get them to stop calling people I know and my previous employer.
Consumer complaint received 2018-12-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (OR)

Back in XX/XX/XXXX I tried to work with Wells Fargo on a loan Modification They could never find my paper work So recently I filed a complaint with you Complaint # XXXX for which Wells Fargo said I was denied back in XX/XX/XXXX now they are saying I was approved and never signed and returned the paper work for which they could never find??? Now after several months of phone tag a XXXX XXXX XXXX Ext XXXX tells me that i was accepted for a loan Mod but I never received the paper work back in XX/XX/XXXX because they could never find my paper work. So which one was it Denied? or Accepted? Funny that back in XX/XX/XXXX/XX/XX/XXXX they could never find my paper work until recently I was told that back in XX/XX/XXXX I was denied, Now they are saying I was approved but failed to sign and return their paper work for which I never got. This XXXX XXXX must think I'm an XXXX My question is if they could never find my paper work until recently XXXX minute I'm denied in XX/XX/XXXX and then in XX/XX/XXXX I was approved. All Wells Fargo wants to do is play games with people so they don't have to pay up. XXXX told me I short sold my home on Bad advice since I was approved They never could find my paper work. But Wells Fargo kept accepting my partial payments. XXXX called me on XX/XX/XXXX to put me down.
Consumer complaint received 2018-12-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: GOLDMAN SACHS BANK USA (IL)

I have received 8 e-mails, one every 2-4 weeks since XX/XX/XXXX " Important news : XXXX, you're now eligible to reapply. '' Bank began sending these emails every two weeks reminding me of my eligibility to apply for their loan products, last " reminder '' email came on XX/XX/XXXX My last application was XX/XX/XXXX, it was declined On XX/XX/XXXX, I logged in and encouraged with some additional income coming to me and wanting to apply for a loan to continue rebuilding my credit, I took Marcus by GS Bank  up on their offers and checked my eligibility. 
I increased the household income to include my boyfriends salary as we live together now. 
{$110000.00} to {$170000.00} I changed the address on my application and account during the process today online ( XX/XX/XXXX ) From XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX to XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXXXXXX. 
The ZIP code while fairly close together have significantly different overall per capita incomes and demographics. 
I was only given " Time since decline too recent '' as the reasoning for declination on this application, electronically and over the phone The operator I spoke to ( XXXX ) was only able to provide me with the reasoning defined in my Adverse Action letter from XX/XX/XXXX, I was attempting to apply within some arbitrary three month window that I was unaware of based on any available information from Marcus, in writing or online. 
I only applied after a considerable marketing full court press from Marcus by GS. 
After receiving four of the aforementioned emails did I finally apply Then declined or even considered because of this arbitrary time limit. 
I have about {$260.00} in savings there, with direct deposit set-up to send {$260.00} bi weekly for an emergency fund. 
I have not stopped this direct deposit and will maintain my business with them based on how they respond to my complaint. 
They offered to " opt me out '' of further mailings, I declined the offer.
Consumer complaint received 2018-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (MN)

On or about XX/XX/2018 I disputed a charge of {$16000.00}. 

Chase responded on XX/XX/18 that they would work of resolve the dispute and I was not required to pay the disputed amount. 

On XX/XX/18 Chase notified me that my credit limit was reduced {$16000.00} On XX/XX/18 Chase notified me that my dispute was resolved and my account was credited the {$16000.00} Pursuant to review of CFPB rules my credit limit should not have been reduced and resulting negative impact to my credit rating would not have occurred.
Consumer complaint received 2023-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XX/XX/2023 Re : Removal of Incorrect Items from Credit Report ( More than 30 days have passed ) To Whom It May Concern : On XX/XX/2023, I sent you a request to reinvestigate incorrect items which were listed in my credit history report. 

XXXX XXXX XXXX I am enclosing a photocopy of that original request. The Fair Credit Reporting Act requires that you complete your reinvestigation of my request within 30 days. It has now been more than 30 days. 

I will assume that I have not received your reply because you have been unable to verify this information. Please remove this incorrect information at once and send me an updated copy of my credit history report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you time and help in this matter. I have also sent a copy of this letter to the Federal Trade Commission. 

Sincerely yours, XXXX XXXX
Consumer complaint received 2023-08-01
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

I recently ran XXXX XXXX to check on status of my information. It had status of " Hard Inquiry '' on the account with Capital One. 
When I looked at information I have not had any contact with Capital One CAPITAL ONE XXXX CAPITAL ONE XXXX, VA XXXX for years, at one time maybe 15 plus years ago I had a credit card with Capital One however since than it was added into my bankruptcy. This should not be still showing up on my credit. I tried calling the number for Capital One XXXX they had listed to talk to personell however they just kept asking for my credit card number and I have no credit card from them nor have for years. 
Respectfully, XXXX XXXX
Consumer complaint received 2018-12-31
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (KY)

I was in default with student loans. We fell on hard times and until recently I couldn't pay. On XX/XX/XXXX I was able to pay my balance in full which was agreed to by PHEAA/AESthrough XXXX XXXX. We settled on everything minus the fees from XXXX. PHEAA/AES is still reporting to the credit bureau that the loans are still in charge off/collections and default. They told me that they will continue to report to the credit bureau that it is in charge off/collections for another 4 years because I made a 1 time payment and didn't do their loan rehabilitation payment program. We are trying to pay off debt in hopes of eventually buying a house. The fact that I am being punished for paying my debt in one payment is absolutely ridiculous and wrong. I want these marked as paid/current and then removed from my credit reports. I have disputed with the credit bureau and PHEAA/AES keeps claiming its resolved - customer disagrees.
Consumer complaint received 2018-12-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

The lender and escrow company had misleading and deceptive business practices. I have been I have been struggling to pay my mortgage since XX/XX/2018, Guild sold my loan to XXXX because they knew they put me into a bad loan. I was discriminated against because of gender and color I paid too many high fees that I feel I would not have been charged if I was not a woman of color.
Consumer complaint received 2023-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (CA)

ayPal account statements dating from XX/XX/XXXX up to the current month, as these documents are required for me to successfully file my bankruptcy. I have contacted PayPal several times over the phone during the last six months in order to request these files ; however, they have continued to deny my request to access my own financial account statements. During my most recent call on XX/XX/XXXX, PayPal offered to send me physical paper copies of these requested statements in the mail. I agreed to this offer and was informed that my request would take 3 to 5 business days to process. However, as of today, XX/XX/XXXX, I have still not received these statements in the mail. at this point, I feel as though PayPal is intentionally and punitively withholding these necessary documents from me. As a user of PayPal products, I should have the right to at least view these documents, regardless of my accounts standing.
Consumer complaint received 2018-01-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (AZ)

In XX/XX/XXXX I was sick with XXXX XXXX for majority of XX/XX/XXXX I was late on one payment to Ally Bank because of it. I called to see if they could remove the ding from my credit they have yet to say why. Just that they are leaving it there. At the time I was XXXX XXXX at a local XXXX XXXX and was only getting paid per XXXX. Any timeframe outside of that was strictly not paid. I was sick for about two months which lead to me not being able to make the payment. I have not been late since headed into XX/XX/XXXX.
Consumer complaint received 2018-12-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

I am trying to stay on a rate reduction program because my monthly payment is XXXX My student loans got out of control when my school closed and did not return the money and i started to deffer my payments which only added capitalized interest. I need help because my schools closed before i could finish XXXX school and did not return the loan money to the school. All the money was disbursed to the school first. The school was XXXX college of XXXX  in XXXX, CA. I need help with a possible discharge and lowering my payments.
Consumer complaint received 2018-12-14
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Guild Holdings Company (CA)

My escrowed closed on or about XX/XX/2018. The lender and escrow company had misleading and deceptive business practices. I am requesting assistance to recover the excessive costs and fees that paid. I feel that I was discriminated against because of gender and color I paid to many high fees that I feel I would not have been charged if I was not a woman of color.
Consumer complaint received 2018-12-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (TN)

Ed Financial is currently servicing my student loan. I've made timely payments for over 10 years and my balance is still increasing. I do not understand why every payment I've made for 10+ years has applied only to interest. I asked Ed Financial for an explanation via a qualified written request and they sent me a payment history. In no way does that explain the lack of posting any payment to principal. When I asked for a verbal explanation, the representative informed me it was completely based on my payment practices. Every payment on my loan has been made timely. I do not understand how paying from the 1-7th of each month can affect my principal allocation. I am never going to pay this loan off if Ed Financial continues to raise my principal balance. I've paid almost XXXX towards these loans in the last 10 years with no crediting to principal.
Consumer complaint received 2018-05-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (FL)

I have submitted dispute to the three credit bureaus to verify this account. On three separate occasions this account has came back verified by XXXX  and XXXX. XXXX   sent result stating that this account was not verified and it did not belong to me and it was deleted. If XXXX  was unable to verify this account how is this account verified by XXXX  and XXXX? I request that this inaccurate unverified account to be deleted promptly from XXXX  and XXXX. If this account is indeed accurate and valid I request the original signed contract with my original signature.
Consumer complaint received 2018-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MB FINANCIAL, INC. (NY)

I have a joint account with my partner who filed chapter XXXX bankruptcy. I did not. I have been paying faithfully on the account since it was opened. I never missed a payment and have never had a late payment. MB Financial is reporting on my credit reports that the account is closed/charged off and my credit score dropped over 100 points. They started the negative reporting XX/XX/2018 and shut my online pay account off. I called them XX/XX/2018 and spoke with XXXX XXXX who said she will remove the account and stop reporting to the credit bureaus. I said I was fine with that. She also said to email her to have the online account turned back on. Weeks passed and nothing changed. I emailed several times with no response until I contacted MB Financials help desk to check on the status.Then the XXXX XXXX emailed as follows : I am in receipt of an email from MBs Helpdesk. 

Per my conversation with you on XX/XX/18, you had called in regarding a credit bureau dispute and to inquire on why your online access has been shut down. The email below is the only one I have received from you. Please note that the credit bureau dispute/request has been submitted, and if honored- you should see the changes in your report once that has been approved and updated. 

Unfortunately, we can not reactivate the online account until we stop reporting the bankruptcy. Once I receive the confirmation of same, I can submit a request for online access. In the interim, if you wish to make automatic payments, I have attached a copy of the ACH form that you can return with a copy of the voided check and we can have the ACH turned back on. 

Thank you, During our conversation she mentioned nothing about submitting a request ( to whom I don't know ). I have repeatedly emailed with no response, and I have called twice on XX/XX/XXXX and was sent to her voice mail ... no call back. 

This is not my issue/bankruptcy and should not be reported on my credit reports. My partner and I have several joint accounts and MB Financial is the only one reporting on " MY '' reports. This is unfair to say the least. It makes no sense to be paying on an account that is reporting closed/charge off and will be on my credit report for 10 years!!! This is creating a financial hardship from the low credit score. I worked hard to build and keep a good score. This is ridiculous.
Consumer complaint received 2018-02-16
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. (SC)

XXXX XXXX has names thats not me on reports also open account from XXXX XXXX date open shows XX/XX/XXXX is incorrect EQUIFAX has to account listed that does not belong to me i dispute 3 months ago they failed to show me that debt is mine i as to see validate fail to do that as well as showing XXXX XXXX XXXX OPEN XX/XX/XXXX NOT to be mine as well and a XXXX XXXX i never had any of these open XX/XX/XXXX 3 one is yes companies E open XX/XX/XXXX not showned validate for that i well on XXXX shows closed accout on XXXX XXXX XXXX open on XX/XX/XXXX has all been disputed nothing has come back to me on any of these all XXXX XXXX showing close as well but still reporting
Consumer complaint received 2018-01-08
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. (MD)

On XXXX XXXX, 2017 these two accounts were deleted from my credit reports after a dispute I filed on both the accounts. Now both accounts have been added back to my reports without the bureaus giving me the proper notifications that they would be added back which is a violation of FRCA SECTION 611.
Consumer complaint received 2018-01-08
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 have reached out to XXXX who has responded, however XXXX, Equifax and XXXX still reports fraudulent inquiries from a XXXX account that someone fraudulently attempted to use with my social security number. I still show the following inquiries on my credit report.
Consumer complaint received 2018-01-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: M&T BANK CORPORATION (NY)

On XXXX of XXXX I asked for my installment loan from M & T to be deferred by 2 months which was for XXXX XXXX and XXXX XXXX. I was approved for the extension and my next intstallment payment was pushed to XXXX XXXX. After I got approved I did n't follow up til XXXX when I realized the payment for XXXX was late, so I decided to call them and the rep stated that I was suppose to sign a document to confirm the extension which I were never informed about. That 's when I learned that the payment was late and passed 30 days. I called to complain and they stated that it was my mistake but the extension still was processed and my late fees were waived. I tried to get the late payment removed but they denied it twice, but I have proof of the payment extension agreement and still I was denied.
Consumer complaint received 2018-01-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Big Picture Loans, LLC (CA)

I received a letter via US Postal Service from " Big Picture Loans '' on XXXX XXXX, XXXX stating that 1 ) I borrowed {$1000.00}, and 2 ), I owe {$950.00} in interest. Also states they have sent me multiple notifications regarding delinquent payments. I attached a copy of the letter to this complaint. 

I have never entered any business agreement with them. I have never borrowed money from them. I have not received any prior notifications. This appears to be an official document, and a search of the internet does have them as a payday loan company with various prior names and a very bad reputation. I did not log onto their website for fear of this being a scam and/or a front for infecting my computer with a virus. For the same reasons and based on their lousy reputation I did not contact call them nor send an email. 

Big Picture Loan 's address is : XXXX XXXX XXXX XXXX, MI XXXX Phone number : XXXX email : XXXXXXXXXXXX XXXX URL : www.bigpictureloans.com
Consumer complaint received 2018-01-07
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. (WI)

I have enrolled in the Income Driven Repayment Plan through Navient. I have struggled with this company since 2013 to repay my loans. I have gone into forbearance, deferment, and multiple Income Driven Repayment plans. I am a XXXX XXXX and attempting to repay my loans to the best of my ability. I am now enrolled in a XXXX XXXX/month repayment plan and have been been paying XXXX XXXX/month in order to put more towards my principle and pay off my debit faster. My recent payment of {$200.00} was posted and ALL of my payment was put towards the Interest! How is anyone capable of repaying a debt when nothing is going towards the Principle? Also, I have been attempting to raise my credit score ( as I am looking to purchase a home ) and after Navient posted my payment, my credit score drastically dropped as my total loan had RISEN {$110.00}! When researching how to get help with these loans as I went to school for XXXX XXXX ( which the job field was projected to rise ), I stumbled across four class action lawsuits and multiple borrowers who are also facing the same issue.
Consumer complaint received 2018-12-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Profit Services Group (GA)

I am a service member who visited the emergency room at XXXX Hospital on XXXX XX/XX/2018. My insurance is XXXX which processed two different claims for my emergency room visit. I had given any and all of my contact information at the time of my hospital visit. I left on XXXX for 6 months and when I got back XXXX XXXX XXXX XXXX XXXX GA levied a debt collection attempt against me starting in XX/XX/2018. This was unknown to me until XX/XX/2018 when I had my life alert account notify me that a debt was being collected against me. I immediately notified my insurance which is XXXX and had them contact the debt collection agency informing them that I had a retroactive referral to allow XXXX to pay for the debt amount of {$330.00}. AT NO TIME HAD I BEEN CONTACTED IN ANY WAY SHAPE OR FORM to inform me of a debt against me prior to my XXXX XXXX account on XX/XX/2018. After again having my credit score suffer and another XXXX XXXX notification on XX/XX/2018. I called my insurance again who informed me that XXXX XXXX XXXX XXXX XXXX GA had from time of service 1 year to attempt to settle any debt before collection. I then called Profit Services Group myself in an attempt to try to understand what steps they had exhausted to contact me to make me aware of the debt against me. They said they have called my phone number " several times '' without leaving a message or further contact information. To this date I have NEVER received a phone call, letter, email, or correspondence of any kind from XXXX XXXX XXXX LLC XXXX GA notifying me of any debt of any kind. They informed me that the debt was " my fault '' and that they were " right to collect against me '' from XX/XX/2018 forward. Even after being apart of a phone call to the group with my insurance provider who assured XXXX XXXX XXXX XXXX XXXX GA that the levied amount was once again processed and paid in full, they group remained indignant about correcting or reporting debt against me paid in full to the applicable credit agencies.