davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CA)

I purchased a home warranty from XXXX XXXX XXXX using my American Express credit card on XX/XX/2020. An item in the house covered by the warranty starting having problems. I contacted the company on XX/XX/2020 to use the service they had sold me. The company assigned a contractor that never showed up and never answered the calls. I got an estimate form my own contractor and sent it to the company. They came up with excuses to refuse the repair. Among those was that there is 3 months waiting period which was never mentioned when I purchased the service and was not in their written terms of purchase. I canceled the service but never received a refund. I contacted American Express and disputed the charge with them. They have rebilled the charge to my account. I tried to explain the situation but they did not seem to care. I expect that American Express to protect me from faulty merchants. I did not receive the service I paid for. I use credit card for most my purchases because I trust if the merchant does not hold their end of bargain, I have a recourse. The other credit cards I use have always stood behind the transaction. Th XXXX XXXX XXXX seems to operate as a scam. They advertise and sell a product that they do not provide. They also use deceitful practices to refuse service. In summary, I have not received the service I purchased through American Express credit card and I expect the company to refund my money and stand behind the protections they advertise they provide to consumer.
Consumer complaint received 2017-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (FL)

PNC B ANK STOLE {$420.00} OF MY MONEY, PROMISING {$300.00} FOR TAKING THEIR CREDIT CARD + CHARGING ME {$120.00} FOR NOT MAINTAINING A CERTAIN BANACE WHEN i WAS NOT REQUIRED TO MAINTAIN THAT MONEY.
Consumer complaint received 2017-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

Most recent report of inability to use past payment activity feature of online account management occurred on XX/XX/XXXX. I requested a past payment activity report of ( 2 ) YTD. <P/>Statements for this account are not received regularly. Account information does not transfer over correctly into XXXX and the timeframe of the account information that is available online keeps decreasing.
Consumer complaint received 2017-06-13
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. (OH)

Yes, I have a problem with navient. I had started wi th   XXXX   XXXX   and  then all of sudden it went to navient. The loan I have is a parental loan which I got for my daughter in   XXXX  . I guess my complaint is they are still saying that I owe them money when I have been paying on the loan for 12 years now. I also had  XXXX  Forbearance on the loan in which I tried to pay the interest off when it was in Forbearancestors but they put to the principal and not the interest. I have all the different information they sent me and when I say different I mean different. When I got these loans for my daughter i was a divorced single mom trying to make a difference for my daughter and trying to build credit for myself. So please need your help in trying to figure out what is going on with this loan.
Consumer complaint received 2020-08-27
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: BARCLAYS BANK DELAWARE (NY)

I just check my credit inquiries on XXXX XXXX it is showing 5 hard pulls for Barclays cards. I did not do this I applied for this card over 2 years ago and only 1 hard inquiry should be reported. There are 5 of them which is affecting my credit score. I did not do the other 4
Consumer complaint received 2020-08-27
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 — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (MN)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2017-06-15
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. (MI)

I have sent numerous letters to Equifax requesting that the information reported by XXXX XXXX be removed from my record. I filed an identity theft report with the FTC and a complaint with the Michigan Attorney General. I requested that Equifax provide me with a description and person that they spoke with to verify this information. I contacted XXXX XXXX regarding this matter and they sent me a letter indicating that they were unable to locate any active or previous loan under my name ( attached ). Equifax has not provided me with a description of the process used by them to verify this information or who provided this information to them. I believe that by law I am entitled to be provided with that information by Equifax.
Consumer complaint received 2017-06-13
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (GA)

The collection company EOS has failed to Validate debt said owed for client  XXXX   XXXX    XXXX    after several attempts sent to request proper validation. Attached you will find a letter from  XXXX   XXXX  a representative from  XXXX   XXXX  the balance is in the process of being reduced to  XXXX  dated on  XXXX / XXXX / 15 . This balance has been fully paid for by The Department Of Education. I do not have any contract or agreement with EOS or  XXXX   XXXX   XXXX .     The collection company  EOS  will not stop pursing me for a debt not owed.     I recently received a letter from your firm regarding an old debt from. Under the FDCPA, I have the right to request validation of the debt you say I owe you.     Under the Fair Debt Collection Practices Act, I have the right to request that you cease communication with me, and I would like to exercise that right. Please stop all contact with me, except to let me know that this matter is now closed.     Your immediate attention to this matter is appreciated
Consumer complaint received 2016-03-30
Product: Credit card — 
Issue: Payoff process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

The payoff process used by USAA breaks the XXXX XXXX credit card XX/XX/XXXX. I made payments to the credit card for XXXX from XXXX time frame and all payments were applied to a balance transfer rate of 1.9 % instead of the 18.15 % interest rate. Anything over the minimum payment is to be applied to the highest interest rate on the account. Furthermore, I went back to previous statements dating back years and discovered USAA charged full monthly interest on purchases even if the purchase balance existed for a 5 days ( for example ). Over a period of years, both of these equate to large quantities of interest being wrongfully charged to my account.
Consumer complaint received 2019-10-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PLANET HOME LENDING, LLC (CA)

On XX/XX/2019 I contacted Mr. XXXX XXXX to discuss him refinancing two of my properties. I expressed to him that my wife works for a larger bank and we could get a good rate, but I was comfortable going with his company considering he had all of my information from a previous investment property that I had purchased a month earlier. 

Mr. XXXX told me that if I refinance both of my properties with him that he would give me a lender credit at closing which equal to a combined amount of {$1800.00}. At the time of closing the money was not credited to me and he refused to send me a check for the amount. I would have never used his company if he had not agreed to give me the credit in the first place. The credit is not disclosed on the final HUD or disclosure documents. After numerous emails and phone calls neither XXXX or his manager XXXX XXXX send me a check for the agreed funds.
Consumer complaint received 2017-06-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CT)

XXXX , formerly  XXXX   XXXX  refuses to work with customers regarding options to repay private student loans when there is financial hardship. They require payment for forbearance, which is only for a 3 month period. When having difficulties paying loans, I attempted to provide a small payment, i.e. my outstanding balance was {$420.00} and I paid approximately {$150.00} in  XXXX , as I could not afford the payment and no other options were made available to me.  XXXX  calls my personal cell phone multiple times daily in order to make financial arrangements. I have received  XXXX  calls per day almost every day from them ; I believe this qualifies as harassment.
Consumer complaint received 2020-08-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

PayPal 's website is not functioning at the moment. I have tried to file a tech complaint 8 times just tonight alone, and their website consistently reads error without explanation. I've not been able to link my bank account to their website for TWO MONTHS now and they do NOT provide live customer service. It's a chat or automatic answering machine and they are not helpful. I have accrued two late fees but nobody at that company is able to help. Their XXXX, XXXX, and XXXX accounts are FLOODED with customer complaints or scams and technical issues.
Consumer complaint received 2017-06-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (IN)

I decided to pay off my loan early. When I called Navient on Tuesday,  XXXX   XXXX ,   XXXX  , the Navient representative acknowledged that my payment was received on  XXXX   XXXX ,   XXXX  . I was assured that next month I would receive a letter explaining that my balance was paid in full.   I did not receive any letter, so on Wednesday,  XXXX   XXXX ,   XXXX    XXXX  at   XXXX   XXXX   Eastern  Time   ) I  again called Navient. I spoke with "  XXXX . ''  XXXX  told me that a letter had been sent on  XXXX   XXXX ,   XXXX  , but he also assured me he would send an additional letter. He told me that the letter was coming from Pennsylvania.   Today is Wednesday,  XXXX   XXXX ,   XXXX  . I have not received any letters from Navient : not the first letter, and not the second letter.
Consumer complaint received 2017-06-14
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Worldwide Processing Group, LLC (WA)

On  XX/XX/XXXX  I received a voicemail from "  XXXX  '' at the number  XXXX . It was " regarding our location and tracing efforts for [ my name ] '' and " It is important that we speak with you in regards to their whereabouts. If we can not verify this information through you the law allows us to contact all references on file. If you are unable to provide any information please contact us regardless at  XXXX  ''. I called back and their greeting said " FMR '' I then spoke to "  XXXX  '' (? ) who had me confirm my name and last 4. They do have my full SSN and WA Driver 's Lic # which is frightening. He said I took out a {$370.00} payday loan through "   XXXX   XXXX   XXXX   '' ( never heard of them ) on  XX/XX/XXXX  with a bank account through   XXXX   XXXX   XXXX   as payback. I was in the middle of a bankruptcy at that time so could not have taken out any loans, and also I did not have a bank account with   XXXX   at that time. I also have never received anything in the mail about this supposed debt. I asked him to send me some documentation in the mail because the circumstances sounded suspicious. I have a right to receive debt validation under the FDCPA. He refused to agree to send me anything, got very abusive and would n't let me talk, and tried to bully me into paying right then and there. When I asked to speak with his manager, he refused and said he was putting me down as a refusal to pay. I tried to say if he would just send me documentation that the loan was legitimate then I could review it, but he basically said goodbye and hung up on me. I never once said that I was refusing to pay. I called back to try to get a different person and the same person answered and threatened to file harassment charges against me if I called back again, and hung up on me again.
I did some research into this " FMR '' and they are based in  XXXX , NY and their full name is " Forward Movement Recovery. '' They have many complaints and negative reviews on the BBB site, and many scam/fraud complaints on independent review sites as well. Also, according to this article,   XXXX   XXXX   XXXX   is not even licensed to do business in WA state where I have lived my entire life. http : //www.dfi.wa.gov/consumer/alerts/plain-green-loans-not-licensed-washington I will also be filing complaints with the Attorney Generals for WA and NY.
Consumer complaint received 2019-10-11
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)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES. KEEP IN MIND THAT THOSE ACCOUNTSDOES NOT BELONG TO ME.
Consumer complaint received 2017-06-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (VA)

I have been making my mortgage payment in  2  equal payments prior to my due date for the last 2 years. suddenly over the last 3 months payments have been applied improperly and I have received calls asking when payment will be made. When I looked on my account on their web site the receipt of my payment is logged but entered onto account improperly  (  according to them  ) . I am promised that the problem is being fixed and then ( I 'm on hold right now with them ) the next month I receive a call again. Very annoying and time consuming when I am making my payments on time. This time a late payment is added. I 'm told it will be removed. I have been patient long enough. Last year it was my escrow account they mishandled. Very poor processing of payments.
Consumer complaint received 2019-10-11
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company (IN)

On XX/XX/2019, I mailed a certified letter to Merchants Credit Guide Co to request additional information for verification of debt, including an indication of my responsibility to the said debt ( signed contract and/or promissory note ) amongst other personally identifiable information and my relationship with the said creditor. On XX/XX/19, I received a printed itemized statement of charges ; none of which identified my responsibility to pay. I do not owe this debt and I have not received anything from the collection agency that would convince me that the debt is valid or belongs to me.
Consumer complaint received 2023-04-27
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: Experian Information Solutions Inc. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-05-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: F.H. Cann & Associates, Inc. (NY)

They are supposed to stop payments during this time until XXXX due to the Coronavirus and I call and no one is there. I work for XXXX  and the comptrollers can not stop the garnishment until They hear from them. The dept of education says its supposed to be stopped. What do I do?
Consumer complaint received 2017-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Nelnet, Inc. (IL)

In late  XXXX  of  XXXX  I attempted to obtain a VA loan and was denied because I had a federal student loan in default. After I received all of the denial paperwork I contact ed Nelnet multi ple times informing of the incorrect reporting and had sent my credit report and an e-mail requesting for this to be looked into and corrected because this had caused me to be unable to buy a house. This company began incorrectly and negatively reporting me in  XXXX  when I was in the military and I did not sign up for any student loans. They were only reporting me to  XXXX .     The last I spoke with an individual from the company, he was looking at my credit report from the e-mail I sent and was discussing the situation and how it was to be resolved while I was on the phone with him. Now  two months later I went a looked at my credit report to verify that this situation had been resolved and was astonished that it was not and they had now begun negatively reporting me to all three credit bureaus. When I called this morning, I spoke to a manager there who stated they had notes of my last conversation, however, they were missing the documents in which I told him that could not be possible since I last spoke with someone they had them. I have resent them and have r equested for them to call back with the verification and receipt that they were received yet again.
Consumer complaint received 2017-06-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ACS Education Services (CA)

My loan is separated into different accounts from there into separate disbursements that have separate rules for interest rate reduction and subsidized/unsubsidized status. For more than one whole year, I have put {$400.00} extra into my payments to ACS for my XXXX student loan. I have explicitly requested ( sometimes on a monthly basis ) that all additional payments be allocated to specific accounts. At first, I requested to allocate them to the loans that did n't qualify for interest rate deduction for auto pay. After discovering the ability to see the different loans on my account ( by accident, as it is not explicitly explained on the website ) I started requesting the amounts over my minimum payment be allocated to loan # 6 because that loan is unsubsidized and has the highest interest rate. I tracked my account balances in a separate XXXX spreadsheet ( attached ) because I have no trust in my loan servicer to follow my instructions. The account balances decreased, not at the rate I thought they should have, but that is not the primary issue here though. Between XXXX XXXX and XXXX XXXX, a time period that included a regular monthly payment, my account balances for my highest interest rate loans, # 5 and # 6 both increased. Loan # 5 increased from {$3500.00} to XXXX. Loan # 6 increased from {$3400.00} to XXXX As I understand it, this occurred during the time that XXXX was selling it 's student loans to XXXX, which makes this an even bigger potential issue than my account alone. I submitted a complaint quickly on XXXX XXXX. I received confirmation of receipt and that I would receive response within a week. As of today, XXXX XXXX I have not received a response.
Consumer complaint received 2019-10-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL (GA)

XX/XX/XXXX, The XXXX XXXX XXXX called my home phone number and threatened me with a lawsuit. I called XXXX and spoke to XXXX XXXX XXXX. HE TOLD ME THAT XXXX XXXX CLAIMS THAT I OWE {$1300.00} SINCE XXXX. I FILED CHAPTER XXXX BANKRUPTCY IN XXXX AND ALL MY DEBTS WERE DISCHARGED. XXXX XXXX TOLD ME THAT MY XXXX WOULD BE TAKEN FROM ME IF I DIDN'T AGREE TO PAY {$500.00}. I RECORDED THE ENTIRE CONVERSATION SO I HAVE PROOF OF EVERYTHING. I AGREED TO PAY {$250.00} IN XXXX AND XXXX BECAUSE I WAS AFRAID A LIEN WOULD BE PLACED ON MY CAR. I DON'T OWE THIS DEBT BUT I WAS AFRAID OF THIS FAST TALKING MAN.