davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (CA)

I attended XXXX XXXX University, XXXX for 2 years to complete my XXXX 's dgree. I then attended XXXX University to complete a XXXX credential. I earned an XXXX Credential and XXXX XXXX Degree in XXXX at the University XXXX XXXX. I then attended XXXX XXXX University to clear my XXXX Credential and earned a XXXX in XXXX XXXX. I worked for 22 years in XXXX   as a classified employee, XXXX XXXX XXXX and XXXX. All 22 years were at XXXX XXXX XXXX XXXX XXXX. 

This information is relevant because all of my education, certifications, and degrees were required for the positions I held in education. 

I applied for " Student Loan Forgiveness '' with the US Department of Education. I was told that if I pay on the student loans for 10 years AND worked in a government approved service job the rest of the loan balance would be " forgiven. '' I paid on my student loan for the 10 years and was then told that I " have the wrong kind of loan. '' The bottom line : > I have now been paying on my student loan for the past 14 years. The balance in XXXX was {$110000.00} and the interest rate was 7.5 %. Today the balance on my student loan is {$100000.00}. 
> I was able to switch loan companies in XX/XX/XXXX to FedLoan Servicing. The reason I moved to this company was to get a lower payment and lower interest rate. In the last 17 months my loan balance has been reduced by only {$160.00}. The interest rate is 4.75 %. 

I pay my mortgage every month and the balance goes down every month. I pay on my student loan and the balance has not only gone UP several years in a row, due to a high interest rate ; but it is now going down by only {$9.00} a month. 

I retired from my position as a XXXX in a XXXX XXXX XXXX XXXX XXXX   in XX/XX/XXXX. I am XXXX years old. You don't have to be a genius to see that I will die while still paying on this loan.
Consumer complaint received 2019-09-01
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (FL)

Amazon Prime store card from Synchrony offers 5 % rewards in Amazon.com purchases. On my statement that closed on XX/XX/2019, I was awarded {$470.00} in rewards. However, I had {$24000.00} in Amazon.com purchases minus {$4500.00} in Amazon.com returns, so that's a net total of {$19000.00}. 5 % of that amount is {$980.00}, so I am {$510.00} short in rewards. My best guess to the reason is because I contacted Synchrony by chat on XX/XX/2019. The chat representative promised me if I convert my Amazon account to business Prime, I would still be eligible for the 5 % rewards. However, I believe during the conversion I suspect the linkage broke and caused me to stop earning 5 %. Please have this corrected as it was promised by the chat agent. Thank you,
Consumer complaint received 2019-09-01
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. (MD)

Good afternoon, I'm disputing four unauthorized withdrawals made in my account. I tried resolving the issue with credit card company ( CITI ) and they have not removed these charges from my account. When I initially called, CITI asked me for a police report and I have obtained one and send it to them electronically first and then included in a written letter. 

Date : XX/XX/2019 Amount : {$700.00} Date : XX/XX/2019 Amount : {$500.00} Date : XX/XX/2019 Amount : {$700.00} Date : XX/XX/2019 Amount : {$500.00} These unauthorized charges were among others made with other credit cards in my name. I have no information as to how and when nor who made these charges. As per the other credit cards, I have contacted the corresponding credit card companies and have resolved the issues with minimal issues. However, CITI has been uncooperative in trying to resolve the unauthorized use of my credit card. In the meantime, my account with them is accruing interests and fees that I should not responsible for paying. 

Moreover, as a responsible credit card holder, I pride myself in been prudent and judicious in my use of my credit card and this issue with CITI is damping my experience with credit card companies, which up to this point has been positive. 

With no additional comments at this time, I would like to thank you for your time in the hope that my complaint gets the appropriate attention with your office. 

Regards, XXXX XXXX.
Consumer complaint received 2019-09-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I submitted a copy of a lawsuit showing that my motion for summary judgment against Plaintiff XXXX Card was granted. The court agreed that Plaintiff sues the wrong XXXX XXXX and/or the wrong person as my account was not the one for the basis of the lawsuit and the information in my credit report is wrong. It should have been removed. I have notified each credit reporting agency multiple times yet XXXX Card continues to report incorrect and/or inaccurate information concerning a purported charged off debt that isnt mine. They even hired a bs law firm to sue me and their case was dismissed after I proved to the court the account wasnt mine. Please order or direct them to remove this error from each of my credit reports.
Consumer complaint received 2019-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: National Recovery Service, Inc. (MD)

1 ) National Recovery was paid more than a year ago and was off of my credit report. Why is it back? 

2 ) I did not close or have any intention of closing my XXXX XXXX XXXX XXXX account.
Consumer complaint received 2019-09-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

I have a credit account with Synchrony Bank for purchase made last year at Rooms to Go ( account ending in XXXX ). Since XX/XX/XXXX, I have made monthly payments of {$48.00} ( minimal due on the account ). Payment history is as follow : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and today, XXXX. Each payment made was {$48.00}. This month 's statement indicated a past due balance and current balance, requesting minimal payment for {$160.00}. When speaking with customer service and also a live chat agent today, I was told that I made late payments, although, for the past 13 months, I have made my payments. I was informed today that the reason for the late payments were that I was paying my account ahead of the due date of the XXXX and making payments before a statement is generated ( penalized {$110.00} ). This is not acceptable billing practice. I also have two additional Synchrony accounts which I pay the exact same way, at same time. I pay majority of my bills at either the last day of the month or by the XXXX of each month as I have receive my income once a month, at the end of each month. I had asked Synchrony to remove all the late charges from my account, they only removed one, {$39.00}. I do not want to pay the additional late fees ; I was NOT late. I paid my monthly due payment of {$48.00} only today and I am now asking your assistance to resolve this issue ( which I consider to be fraudulent charges ). I did not make any changes to my Rooms to Go account with Synchrony ; I have been making my payments the same way each month, on their payment portal, and now all of a sudden they are charging me a total of {$110.00} in late fees. Their explanation does not satisfy me as it is wrong what they have done. I appreciate your assistance in helping me resolve my dispute against Synchrony-Rooms to Go. I hope to have a favorable response before the next statement is generated.
Consumer complaint received 2019-09-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I sent you a letter notifying you of improper information appearing in my credit report in violation of FACTA. This letter was sent to you by certified mail, return receipt requested, and was received by you. 
Your failure to respond to my demand for correction of my credit report within 30 days is a violation of FACTA. If I do not receive an appropriate response to my original demand letter within 10 days of the date of this letter, I may, without further notice, report your failure to abide by FACTA to the Federal Trade Commission or take other appropriate action. Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accor- dance with the provisions of FACTA , I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX ACCOUNTS : XXXX I also hereby request, in accordance with the provisions of FACTA , that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an infor- mation block has been requested.
Consumer complaint received 2018-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (PA)

I have had flawless credit for 30 yrs. I've had Chase credit cards, " Chase Freedom '' specifically since XXXX with no problems ever. I've done many balance transfers in my life, so I have plenty of experience. I recently did a balance transfer with Chase Freedom for {$9000.00} ( did many with other Chase cards, but apparently not " Freeedom '' ) When I got my first bill, my minimum payment was {$470.00}. I was SHOCKED. I immediately called on XX/XX/XXXX. The representative told me that the min payment was so high bc they were making me pay the " Balance transfer fee '' up front, but my future payments would be around {$90.00}, 1 % of total balance ( which is standard, AND the rate THEY ADVERTISE ) I went to pay the next payment on XX/XX/XXXX & was once again SHOCKED to see my minimum payment was {$440.00}. I paid it, but I have been trying to work this out with Chase ever since. Apparently, the representative was WRONG & I am actually expected to pay 5 %, instead of the standard 1 % they normally charge, bc that was written in my " user agreement '' paperwork back in XX/XX/XXXX!! 28 years ago!!! They currently charge 1 % to everyone else in the world. My other cards, including Chase, are all 1 %. This {$440.00} is an unreasonable amt to expect someone to pay for 1 credit card. I have kids & many other bills to pay. They never warned me they were so " off the charts '' with their minimum payment percentage, ( except for my original paperwork in XX/XX/XXXX ). They offer everyone else 1 % terms. They change THEIR " terms '' anytime it benefits THEM, but won't budge to lower it to make this payment more affordable & reasonable. So, I also asked them ( as soon as I found this out ) to refund my {$360.00} transfer fee so I could use it to transfer the balance to a different card with a more reasonable minimum payment. They refused. I also asked if they would transfer to my CHASE SLATE card, which has 1 % min pmt, they also refused. They will not work with me at all. I am a responsible working person. I would like to preserve my good credit. I could easily transfer again to a different card, but I'd have to pay another lump sum of $ again.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (PA)

Reviewed my credit report after a sudden drop in my credit score. Citi card ( issued through costco ) on credit report is showing as late payments when credit card statements show payment in full on due date every month. No late fees or other indication that this is not what is occuring.
Consumer complaint received 2018-12-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (WI)

On XX/XX/2018 I purchased a new vehicle through a dealership. Since I still owed on a previous car loan they sent a check to Fifth Third Bank totaling in the amount of my XX/XX/2018 statement. On XX/XX/XXXX, after the dealer had mailed the check, an automatic withdrawal of {$320.00} was made from my bank account. This was the automatic payments I had set up with Fifth Third bank that recurred monthly around the same date and for the same amount to pay my current loan. Since I knew that they would be receiving a check from the dealership I figured I would eventually be getting a check in the mail for the over payment. When the check didn't come I called the bank multiple times trying to get my money back. I was told they never received the payment. On XX/XX/2018 I sent them my bank statement which showed the withdrawal of {$320.00} that was subtracted from my account towards to loan. Even after this the bank will not return my money as they seem to have " lost '' it. My only option at this point is to contact my own bank and hope they will refund the money Fifth Thirds Bank has lost.
Consumer complaint received 2018-12-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BBVA FINANCIAL CORPORATION (TX)

My vehicle was paid off XX/XX/XXXX. My XXXX XXXX XXXX was financed through BBVA ( Compass Bank ). The received more money than what was owed on the account and they sent me a refund for the difference of {$730.00}. I knew three days after purchasing my new vehicle the over payment from the dealership. I called XXXXXXXX XXXX to get my gap insurance refund and they told me that I could not file a claim for that until they received a paid in full letter from Compass. I had to wait like 20 days before they were able to provide me with the letter. Once I got the letter I sent it to XXXX XXXX  and they told me that the money would go back to the dealership and Compass would debit the account and refund me my money in 30 days. I called Compass and they told me that they included that in the refund they sent me previously. This is not my first time paying off a vehicle and I know that was not true. I did not file a claim for the gap insurance until well after I deposited the check from them and I knew the exact dollar amount of my over payment and the amount they are saying is not correct. They are refusing to refund me my gap insurance over payment. I was told my payoff was {$350.00} cheaper than they are now reporting.
Consumer complaint received 2018-12-27
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: FC HoldCo LLC (SC)

On XX/XX/2018 my credit report shows 2 hard inquiries. Both of these are fraud. Neither company can find my info in their systems or can they tell me where they got my info. Both companies say they will do nothing about it because they don't show it on their end. I assure you it's there. I am applying for a mortgage and these people are hurting my credit with all of these hard inquiries. The 2 companies are listed below. 

Flagship Credit-XXXX  ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2018-12-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (AZ)

I have received 31 calls from Trans world ( phone calling me XXXX ) latest call received at XXXX XXXX MST XX/XX/2018. Asking me to call XXXX reference account XXXX. Each time I have spoken with them I have been assured they would not be calling me back. Yet several days later I get another call. I have been assured by Managers at Transworld that they have removed my phone number from the calling list. Yet calls keep coming
Consumer complaint received 2018-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Experian has falsely reopened an old student loan by XXXX that was closed in XXXX and rehabilitated. They have it as open with a balance and they have it listed as 30 days late for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. My loans are no longer with XXXX they are with XXXX and are current, in good standing.
Consumer complaint received 2019-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA -- they are required to " ' '' promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2019-09-02
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. (AZ)

I was penalized when I closed my account. I lost {$130.00} in rewards when I paid off my account and closed it because rewards are issued in XXXX. This cash rewards were not issued to me in spite of my good payment history during the use of my card. This is poor business ethics. The company is Citi Costco.
Consumer complaint received 2019-09-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada) (NV)

ALLIED COLLECTION SERVICE ( 01 XXXX XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$130.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2019-09-02
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. (TX)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2019-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FACTUAL DATA CORP. (CA)

Hi, I received a hard inquiry that was made by Factual Data on XX/XX/XXXX and I did not inquire on this. Can you please help. This inquiry could stay on my report until XX/XX/XXXX and I would like to know why it was used and if it could be cleared. 

Institution Information : Factual Data Address : XXXX XXXX  XXXX XXXX XXXX, CO XXXX Phone : ( XXXX ) XXXX Thank you, XXXX XXXX
Consumer complaint received 2018-12-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I sent certified letters to all three credit bureaus requesting an investigation and deletion of the XXXX XXXX XXXXXXXX from My credit reports. I am facing an extreme hardship and this account is effecting my credit negatively I have been denied credit and Loans for House purchases. I sent all the proof they need to have this deleted and they all have violated the FCRA laws, which are in place to protect consumers. The credit bureaus have a responsibility to report accurately and to respond to disputes in a timely manner. 
And they have ignored me.
Consumer complaint received 2024-11-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (AZ)

I had XXXX XXXXXXXX and to spread out the payments we got a Synchrony Care Credit XXXX through Synchrony bank. This had a XXXX month, no interest if you paid it in full. Unfortunately we miscalculated the timeframe of the promotion and ended up with over XXXX in interest on a XXXX original charge. I accept that we should have known this, and that by contract we owe the money. We have actually paid them. But this company and service that they provide should be unlawful. How many people who need medical care and cant afford it are forced to use this service and saddled by debt for years. This is predatory lending. For people who have no other options they will be stuck in this debt cycle for a very long time. This type of lending and interest charges should not be allowed without, at the very least, notification that the introductory period is ending soon.
Consumer complaint received 2018-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (OH)

Both XXXX XXXX XXXX and Navient are reporting student loans as being past due on my credit report and they have remained inactive for over 7 years. The state of Ohio prohibits reporting on credit report on debt that is over 6 years of age ... These accounts are in a defaulted status. It has prevented me from buying a house and has caused serious financial stress and issues ... When I asked how they can still be reporting this very old debt their answer was to report them to the CFPB