davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

Dear Attorney General, US Department of Justice, and Department of Education Just so you know what XXXX XXXX is doing to my account. 

I made a payment online on XX/XX/ in the amount of {$190.00} it was processed by chase on XX/XX/. 

On XX/XX/ fedloan placed my account in forbearance without my authorization stating the Department of Education notified them that I was in a disaster zone. I said which disaster and the rep said she didn't know. I do not live in a disaster zone. 

I told her to take me out of forbearance. I called back, to confirm it was done, then the automated service said I was 9 days late.. The payment once again I made was cleared by chase on XX/XX/XXXX. The forbearance letter is also dated the XX/XX/XXXXthe same day my payment was made. 

I was forced to make an additional payment of another {$190.00} in panic tonight XX/XX/ as the automated service said I was 9 days late even though the payment on my account said paid.. 
Now I have given XXXX XXXX {$400.00} this month and next month they increased my loan payment to {$190.00} what's going on????
Consumer complaint received 2021-04-14
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. (TX)

my students loan are reporting late payments back in 2015 however i was never late disputed with the credit companies XXXX  equifax and XXXX  i seen no proof ive sent in proof and it still reporting late payment on my credit which is keeping me from getting approve for a home loan
Consumer complaint received 2019-02-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KEYCORP (OR)

I NEVER APPLIED FOR XXXX THIS IS NOT MINE XXXX/XXXX # XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Revolving Account Loan Type : CHARGE ACCOUNT Date Updated : XX/XX/XXXX Payment Received : {$0.00} Pay Status : Current ; Paid or Paying as Agreed Terms : Paid Monthly Date Closed : XX/XX/XXXX High Balance : High balance of {$0.00} from XX/XX/XXXX to XX/XX/XXXX Credit Limit : Credit limit of {$300.00} from XX/XX/XXXX to XX/XX/XXXX Remarks : CLOSED XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} Amount Paid {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} Past Due {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} Rating OK OK OK OK OK OK OK OK OK OK XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$1000.00} Date Updated : XX/XX/XXXX Original Amount : {$1000.00} Original Creditor : XXXXXXXX XXXX XXXX  ( Medical/Health Care ) Past Due : > $ XXXX Pay Status : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX I HAVE XXXX XXXX XXXX XXXX THAT WILL TAKE CARE OF THIS XXXX   XXXX XXXX NUMBER SHOULD PAY THIS ACTIVE
Consumer complaint received 2019-02-04
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. (FL)

According to Equifax they reinvestigated my disputes the errors I discovered on my report filed by them. If they had reinvestigated they would have known that in XX/XX/XXXXthe followkng occurred : 1. XXXX Bank account was paid in full with current status balance XXXX. 
2. XXXX XXXX  Bank account was paid in full with current status balance XXXX. 3
. XXXX XXXX  Bank account was paid in full with current status balance XXXX.

4. My address is still being reported in error by reporting an undeliverable mail post office box in my file.

5. My name is reported incorrectly their should only be a first name and last name.

6. My social security number should not be visible on my report for anyone to see The above items should be deleted because several attempts have been made for Equifax to correct and have purposely reported incorrect or updated information repeatedly and should be held accountable.
Consumer complaint received 2019-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Hi - We have opened and maintained with Citibank 's checking, saving, and credit card accounts for more than 10 years. Suddenly, the Bank closed our checking and saving accounts in XX/XX/2018. We've tried to contact Citibank so many times to find out the reasons why they closed our accounts. After multiple phone calls, we've exhausted our options to obtain the answer from the bank. So we kind of giving up our request. 

In XX/XX/2018, Citibank also closed our credit cards accounts. We again tried to contact Citibank so many times to find out the reason why the bank also closed our credit card accounts and the bank would not give us any answers. At this point we were so exhausted and stressed with the situations. At that time we have earned so much points for a cash rebate of approximately {$1500.00} for 2018 purchases and we asked about our cash rebate. We were told by Citibank that we will not receive the cash rebate. 

We are struggling with the bank two main issues : 1 ) trouble to obtain an answer from Citibank why they close all of our accounts 2 ) why they are not sending us our cash rebate check of approximately XXXX XXXX. 

We feel that we are being robbed by Citibank because we've earned so much cash rebates from the promotions they offered us 1 %, 2 %, and 3 %. 

Please help us how to approach to Citibank to get an answer and to receive a cash rebate check from them. They are a big corporation and they know the system so well how to get around us. 

Our contact number is XXXX ( mobile ). 

Thank you, XXXX & XXXX XXXX
Consumer complaint received 2019-02-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (NH)

I have been paying {$5.00} per month for my federal student loans forever. Today, I received a bill for {$100.00}. This amount will be taken out of my account as I have recently had direct debit with my bank and XXXX XXXX and before that it was another servicing company, XXXX XXXX. They both tricked me into getting my bank info thinking I would not be late on a financial hardship loan payment ever again. 
I barely live paycheck to paycheck, I pay all my bills but this one I can not afford! They tricked me! I want to cancel my bank information but they have not gotten back to me.
Consumer complaint received 2019-02-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RAS LaVrar, LLC (VA)

I contacted XXXX XXXX on XX/XX/XXXX at XXXX XXXX to payoff debt. At that time I was told a phone payment can be taken and it would take 14 days to process. As requested, I provided the bank information to complete payment. A continuation of the court proceeding occurred till XX/XX/XXXX but to date, the company has not completed the debit. I later receive a stipulation notice necessary to complete from the debt collector which is not required to make a payment. Repeated calls to the attorney and the collection line is going unreturned. As such, I made a requisite payment via phone to the advertised customer service number and no one would answer the phone nor respond to any communication. I simply want to pay the debt and have the company to stop contacting me about signing agreements to make full payments when I called on XX/XX/XXXX to make the full payment as requested by the legal demand letter.
Consumer complaint received 2019-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (WA)

i was able to check and print two of the three on annual credit report but wasn't able to see the one from Equifax. i requested by phone more than three months ago now on XX/XX/XXXX. and didn't receive it in their said time of arrival. i requested it again on XX/XX/XXXX. I have not received that one as well. it is XX/XX/XXXX. i need this in order to start a job and it is currently being delayed due to not receiving it.
Consumer complaint received 2019-02-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2018 an international transfer was initiated by an XXXX XXXX  from my father who lives in XXXX into a Chase US account to myself. 
As of today XX/XX/XXXX there is no trace of the money. 
The XXXX XXXX was contacted and they show the transfer successfully sent. 
Chase bank was contacted and they are not willing to trace the incoming transfer. 
The amount transferred is XXXX euros.
Consumer complaint received 2018-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Debt Recovery Solutions, LLC (NY)

There are three adverse reports on my credit report. They are from collection agencies with who I never entered into agreements. The collection agencies purchased debt that was written off by hospitals which provided me treatment. Having written off the debt my obligation to pay the hospitals ended.
Consumer complaint received 2018-01-30
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IL)

On XX/XX/XXXX I made an online payment in which I had done for almost the whole previous 11 months of that year despite the fact that they charge XXXX to pay online. My payment was subtracted from my bank account and then credited back 6 days later. I was not aware only to get a bill for XXXX stating I was 30 days late. I called XXXX and spoke with 3 different customer service reps no one could explain what happened why I was credited back the money. Since I didnt want to pay late fee and the fee to pay online I mailed a check for the amount to cover XXXX, XXXX and XX/XX/XXXX. XXXX cashed my check on XX/XX/XXXX and left me a negative 30 day late on my credit. They refuse to budge even though I was not made appear that the payment was processed incorrectly on their end and not notified it was returned. 
They are a scam. Charging fees, late fees and not processing payments
Consumer complaint received 2018-01-30
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. (NY)

XXXX XXXX sent me a letter this past week stating they reviewed my account that I was disputing a late payment that was reporting on my credit report for XX/XX/XXXX. The letter states that they will fix it with the credit reporting agencys to update my credit reports and put this account as accounts that are satisfactory with no late payments. I wish to note I have 2 XXXX  XXXX credit cards. I am disputing the account that was opened in XX/XX/XXXX with a {$500.00} credit limit not my other XXXX  XXXX account. I received my XXXX  credit report today and the 30 day late payment is still reporting it was supposed to be removed according to the letter from XXXX  XXXX.
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. (LA)

As I was checking my credit report I have noticed I had 31 hard inquires filed on my credit report that I have not applied for. My info was used multiple times for things I haven't applied for on my XXXX and XXXX  credit report. 
Here 's a list of inquiries that were used under my name and was not from me. Victim of identity theft. 
************************************* XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX All inquiries were listed more than once none of these were sent over by me
Consumer complaint received 2019-02-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (TX)

in XX/XX/2018 I was contacted several times by Nelnet, regarding my student loan. after speaking with them they offered me a forbearance for another 6 months to a year, had me fill out paperwork, I did, faxed back, and in 2 weeks received more phone calls from them asking why I haven't made a payment. I explained that I sent paperwork in for the forbearance, and they said that they never received it, so they had me do it again. 2 weeks later I started receiving phone calls from other companies about my student loan that I don't recall giving my information to, then 4 days later I received my credit report that had indicated that I was late on my payments by up to 120 days or more, thus lowering my credit score up to 120 points. I attempted to call in and resolve the matter but was met with arguments. 
I also noticed that the total amount is always going up even after I had made payments that were more than the minimum payments to cover interest, as always I keep trying to call and get things corrected but I get no help, my credit report is everything and these people have tarnished it
Consumer complaint received 2019-02-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (MI)

We filed complaint with the cfpb # XXXX with no resolution. Then we sent them a check from our insurance company for XXXX dollars. We signed and put on check for deposit only, with our account number and a deposit slip and a self addressed envelope for our XXXX account. They cashed it and only sent us XXXX. They had no right to cash that check or hold any of that money.
Consumer complaint received 2019-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (WI)

We got a flyer in the mail for a credit card from a company we have never heard of, named XXXX. There was an offer for a balance transfer at 0 % APR for the first 21 billing cycles following each balance transfer. As well as 0 % APR for purchases for the first 21 billing cycles following the opening of the card.

When we called to open the account, we wanted to wait until we got more information in the mail with the card, to look into it and make sure it was a valid credit card before we gave out our checking information for a balance transfer, but we very much opened the card to take advantage of the 0 % APR for 21 billing cycles for balance transfers. 
Fast forward to today, XX/XX/XXXX, we get the card in the mail and call to do the balance transfer. Come to find out, we apparently opened the account on XX/XX/XXXX, and are no longer able to get the 0 % APR balance transfer and there is no 0 % APR on purchases. We would not have gotten this card if it were not for the offer, and then upon calling the company, they say there is nothing they can do. We are literally on day 47, and feel that obviously being as we just got the card ( or any information past the little flyer in the mail ) in the mail in the first place today, it was obviously not even a valid offer to offer us the balance transfer, because we could not even take advantage of the offer. Also, the company is stating that there is no 0 % APR for purchases at all. We feel that this company is either really not a valid company or something is wrong with their business practices. We would like the account removed from our credit history and want nothing to do with this strange company that seems fraudulent.
Consumer complaint received 2019-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I have tried several times to correct this with Equifax, to no avail. There are several incorrect things on my account. 

1. XXXX XXXX XXXX XXXX shows 2 late payments. XX/XX/XXXX - I have never paid this account late. Those late payments need to removed.

2. XXXX XXXX XXXX shows 1 late payment on XX/XX/XXXX- I have never paid this account late. The late payment needs to be removed.

3. XXXX XXXX shows 2 late payments on XX/XX/XXXX - I have never paid this account late. These late payments need to be removed.

4. XXXX XXXX shows 1 late payment on XX/XX/XXXX - I have never paid t his account late. This late payment needs to be removed.

5. A collection account is showing on my credit report from XXXX XXXX , XXXX . This is NOT my account. This needs to be validated with a signed contract from XXXX XXXX , XXXX . This is falsified information and needs to be remove immediately.
Consumer complaint received 2019-02-05
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)

EQUIFAX AND XXXX " CRA '' REPORTING VARIOUS ID FRAUD ACCOUNTS NOT MINES : PUBLIC RECORDS, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX..DEMAND REMOVE ALL FROM CREDIT FILE ASAP
Consumer complaint received 2020-04-28
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. (AR)

My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$290.00} XXXX XXXX   XXXX XXXX XXXX  XXXX {$77.00} XXXX XXXX {$0.00} XXXX  XXXX XXXX {$480.00}
Consumer complaint received 2019-02-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (FL)

I never had this problem before. So I go into wells fargo to open a business account. they take a week and a half to get back to me only to tell me my account was unapproved. The reason is because of a low personal credit score. I was under the impression that a business stands on its own, and by the way, I have a good business credit score. I literally have not had this issue with any other bank I've ever done business with. Then the representative has nerve to give me an attitude. I feel wells fargo is slow, unprofessional, and rude and is why this report was made so others would be made aware of their practices before getting involved.
Consumer complaint received 2019-02-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (GA)

THIS IS THE LAST REQUEST FOR SOMEONE IN YOUR PLACE OF BUSINESS TO READ THE BANK STATEMENTS SENT MANY TIMES TO YOUR BUSINESS. 

WHILE YOU THREATENED TO ACCELERATE MY LOAN XX/XX/XXXX, FOR YOUR COMPANY NOT ABLE TO FIND ACH PAYMENTS FOR XX/XX/XXXX AND XX/XX/XXXX. 

THIS HAS CAUSED ME TO lose A JOB, MUCH XXXX AND MUCH WASTED TIME FOR YOUR INACCURACY OF MANAGING A HOME LOAN! 

ATTACHED AGAIN, IS MY XX/XX/XXXX AND XX/XX/XXXX WHICH PROVES AGAIN THE PAYMENT MADE TO YOUR COMPANY SETERUS , INC . SO I PAID YOU THE {$2000.00} YOU REQUESTED FOR OVERSITE OF MY PAYMENT! 

INSTEAD OF MENTIONING XX/XX/XXXX NON PAYMENT, HOW ABOUT YOU APPLY THE OVERAGE OF {$2000.00} SINCE MY BANK AND BANK STATEMENTS PROVE I PAID. 

{$2000.00} LESS {$1100.00} FOR XX/XX/XXXX LEAVES {$940.00} THE WAY I SEE IT! I OWE YOU NOTHING UNTIL YOU ADMIT OF YOUR MISTAKE LET ALONE THE HARDSHIP YOU PUT ME THROUGH FOR EIGHT MONTHS! 
MY MORTGAGE IS DUE ON OR BY THE XXXX OF EACH MONTH! SO I DONT OWE YOU NOTHING UNTIL YOU GET THIS FIXED! YOU ARE OVERPAID! 

NOW YOU WANT TO TALK ABOUT INTEREST FOR EIGHT MONTHS AND HARDSHIP YOU CAUSED? 

I HAD TO BORROW MONEY NOT NEEDED FOR YOUR MISTAKE. I HAVE CONTACTED XXXX LEGAL DEPT. LETTING THEM KNOW AND THEY HAVE TOLD ME SETERUS, INC HAS THE MONEY! SO THEY ARE INVOLVED NOW! 

FIX THE PROBLEM SINCE MY ACCOUNT IS OVERPAID AND MY STATEMENTS PROVE IT! DO NOT SEND ANY MORE THREATENING LETTERS UNTIL YOU FIX THIS PROBLEM AND STOP WASTING EVERYONE 'S TIME FOR YOUR MISTAKE! 

I SENT THESE STATEMENTS BACK IN XX/XX/XXXX AND YOU HAVE STUMBLED YOUR FEET WITH EVERY EXCUSE WAITING TO GET MONEY NOT NEEDED! 

I DO NOT WANT TO HEAR NO EXCUSE WHEN YOUR PRYOR LETTER THROUGH CFPB SITE INDICATES THE {$2000.00} WAS FOR XX/XX/XXXX AND XX/XX/XXXX WHICH SETERUS COULD NOT FIND. 

FOR THE RECORD, YOU WILL GET NO MORE BANK STATEMENTS WHEN MY BANK PROVES TO ME THE ACH WENT THROUGH. MY STATEMENT IS MY PERSONAL BUSINESS! 

MY CONTRACT READS I HAVE TO PAY MY MORTGAGE, BUT IT DOES NOT READ I HAVE TO OVERPAY A SERVICE PROVIDER WHEN THEY CANT FIND ACH PAYMENTS! FIX IT! 

XX/XX/XXXX XX/XX/XXXX ACH {$1100.00} DO YOU SEE IT? 
XX/XX/XXXX XX/XX/XXXX ACH {$1100.00} DO YOU SEE IT?
Consumer complaint received 2020-09-24
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA (FL)

We paid off my lease by trading in on a different car. We were positive equity on our lease and in fact, we were overpaid on the lease by several XXXX dollars. We traded the vehicle in on XX/XX/2020. The dealer paid off the lease and secured title. 

We have been trying for the past 3 months to get our overpayment of several XXXX dollars back from Kia Motor Finance. Every call we have made except for 1, we get an automated message that they are to busy and to call back at a later time.

The 1 and only time we spoke to a real person, they said there in fact were 15 vouchers for us to get our money back, apparently one for each over payment we had. That was 6 weeks ago, and still no refunds.

We only want the money that was paid in excess of the lease, and feel that in 90 days, they should have been able to send our refund.