davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (MA)

On XX/XX/XXXX I filled a claim with Citicards Advantage Mastercard Travel Benefits due a lost luggage claim. I submitted all the paper work after my luggage got declared lost. I received a email from then later saying that I never submitted the claim, where I actually have as proof the email sent at the day I stated on here. Now they do n't want to pay for the lost luggage because they said I need to send the replacement receipts. I already sent all the receipts from all i bought before I lost the luggage as proof of items that I lost. On the Guide Protection Benefits on the Lost luggage is not stated at all that I have to purchase all the items again, I mean I lost the luggage. I am not filling as delay luggage! Even so they are still pending due this receipts. They should have on the Guide Protection consumers PDF that when you loose a luggage you should go re buy everything in order to get paid for the items you lost. They are wrong because it should have in that book, also many years ago my husband got a luggage lost and did n't need to re buy everything. I need you guys help in this matter please. The CITIBANK Advantage Mastercard cards also they have the worst customer service, before I told the problem on the phone to them, I asked about the Protection and they only told that I have to submit the receipts of what I had on the lost luggage, then later they kept asking me they need the receipts now from the replacement, where in the guide the replacement receipts are only asked for damage claims. Everyone should be very cautions with Citibank cards because honestly the are a such Scam and they have the worst customer service, I have to make a lot of calls at the claim department and have to wait for a long period of time as well.
I am very disappointed with Citibank Advantage Mastercard.
I highly do not recommend this card to anyone!
Consumer complaint received 2017-08-07
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. (TN)

XXXX XXXX XXXX reported me as making a late payment to the credit bureau, when I asked them to pull the call where I was assured from the rep that she will update my account with my new bank information I felt assured that this would be done on their end. I am now told that this was never done and can not be done on their end they can only take the payment. I had expressed to the representative at that time that I was calling because I was not able to login to my account and she reiterated more than once that she will get it done for me. This was on XX/XX/XXXX, so my XX/XX/XXXX payment should of processed through my XXXX XXXX account-it did not due to the bank account not being updated as promised. My payment returned account closed-I had more than enough funds in my account!! I provided my bank statements proving this as well. When I called and talked to XXXX ( agent id XXXX ) in escalations I asked her why no one ever called, no correspondence received, nor did any of the representatives I spoke with ever tell me that my payments were hitting a closed account. Her answer was they do n't have to tell me I should be watching my account. I thought XXXX was a reputable company that had integrity, but apparently not. They kept taking my payment-so they charged me late fees & return payment fees. I could tell that I was not going to get any empathy from this rep from the beginning of the call, she talked over me and when I asked for another representative or her manager she told me she will have them call me back. I had to ask her what the name of the person who will be calling and she said she does not know. I asked her what time the call would be made-SHE THEN told me 7-10 business days. Mind you she is in escalation  and I have tried to call them on my break to ask them to review my documents showing that I had more than enough funds in the account at that point in time, also the fact that they called me to tell me my payment was due, but failed to mention the issue so I was never aware. I HAVE ASKED THEM NUMEROUS TIMES TO PULL THE CALL from XX/XX/XXXX-to no avail. Now I have a late payment mark ( the only one I have on my all my reports ) due to XXXX being unethical and allowing their representatives to withhold information from their customers for financial gain in fees. I also show that I am on auto pay on my profile, but according to XXXX in customer service I am not. I feel like this is another ploy to get more money for fees.
Consumer complaint received 2017-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (CA)

XXXX XXXX XXXX Ln # XXXX lists me as " Paid was 90 '' or delinquent 90 days. I was NEVER delinquent. I had applied for deferment. I called them to confirm they had my paperwork. They confirmed it. I called again later and then they stated they could n't find it. I told them to look again and they found it. The paperwork was turned in timely and before the deadline. The account has been transferred and is being reported multiple times. It should be removed due to inaccuracy and duplication. It is impacting my credit and I was denied a home loan.
Consumer complaint received 2017-08-09
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. (PA)

I have disputed the validity of a XXXX XXXX XXXX account on my credit Reports. I sent a dispute directly to XXXX XXXX XXXX in XXXX 2017 and received no response. I then sent disputes to all 3 credit bureaus, I sent a dispute to Equifax and XXXX in XX/XX/XXXX, and XXXX in XX/XX/XXXX. All 3 disputes came back " Verified '' from the 3 separate Credit Reporting Agencies ALL showing different information. This account is not Valid and should not be on my report. And the fact that the " past due '' dates do n't match, and the balances are different after being " verified '' prove that this was n't valid to begin with.
Consumer complaint received 2017-08-08
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. (OH)

I have been dealing with Navient over the past few years since they took over my loans from XXXX. I have had three phone calls in the last few months trying to figure out an option to help lower my payment and avoid negative credit reports. I have been working part time and going to school as well. My husband works full time and we have XXXX small children in daycare which my parents help pay for as we ca n't afford it, but we have to work. Every time I have tried to figure out a way to make some sort of monthly payment that is lower they tell me there is nothing to do to help my situation and I should have someone help pay them. There is no one to help and no hidden money. We ca n't afford what they want. They call me at all time of day and night. I do not know what to do as they simply will not work with anyone to make things work.
Consumer complaint received 2020-08-07
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: Model Finance Company (CA)

I Had a vehicle repossessed about 4 years ago. I would like this account deleted on my credit reports. After they took the vehicle I was never given an inventory letter for my possessions in the vehicle, and never received notice before selling the car, " your lender must provide you with a notice at least 15 days before the sale date. In order to collect a deficiency, the notice must be given within 60 days of the repossession, and must include certain information, including your rights regarding reinstating the loan or redeeming the vehicle. XXXX XXXX. XXXX. XXXX XXXX ). "
Consumer complaint received 2017-08-07
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: Experian Information Solutions Inc. (CO)

I have called this company now twice on a Recorded line and asked them to provide by law the permissible purpose for their inquiry and they say they can not do that and would remove it. That was back in XXXX and then again today. This company accessed my credit without written consent and are refusing to remove the inquiry. This is the last chance to do it before a complaint with the State Attorney Generals office is filed. ON A RECORDED LINE TODAY THE REP SAID THAT THEY HAD ME GOING IN AND APPLYING FOR A LOAN WITH A BRANCH HERE IN XXXX XXXX THAT IS 100 % FALSE, I HAVE NEVER DONE SO. I AM DEMANDING THAT A SIGNED AUTHORIZATION BEARING MY SIGNATURE SHOWING THAT I DID SO TO BE SENT TO ME IMMEDIATELY IF YOU WISH TO KEEP THIS INQUIRY ON MY CREDIT REPORT. IF YOU REFUSE I WILL HAVE NO CHOICE BUT TO FILE A COMPLAINT WITH THE STATE ATTORNEY GENERALS OFFICE HERE IN COLORADO.
Account name XXXX Date of request XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Address identification number XXXX Comments Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Consumer complaint received 2017-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (GA)

At the end of XX/XX/XXXX, I filed a claim with my Chase Sapphire Preferred credit card to enact the trip insurance I was given by being a holder of this card. The trip insurance states that if I purchase a trip with the card, and then experience an illness that prevents me from going on the trip, the insurance will cover the loss in full. Unfortunately, I became ill before my trip, went to my doctor who advised me against traveling due to medical reasons. A medical doctor, both verbally and in writing, told me that due to my illness, it was inadvisable to travel. So I cancelled my trip, filed the claim, and was immediately denied. When I called back to ask about the denial, the agent said it sounded like a basic misunderstanding and that I needed to file an appeal. I immediately did that. Did n't hear anything back for a week, so I called in and they had zero record of my appeal. So I filed it again. And I was denied again. They claimed that it was my choice not to travel and that my doctor was wrong, despite the written proof that was given to Chase. My account number was XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-03-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (GA)

During this Hardship of the Coronavirus i contacted my mortgage company to ask for a Deferment and they said whatever month i don't pay it would double the amount the next month weather i am out of working or not. I explained how was able to do that if i was not working and when i was working i was only capable of paying for just one month. Basically they said it doesn't matter accept it or don't that is all we are offering.
Consumer complaint received 2017-08-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

Starting on XX/XX/XXXX Wells Fargo 's Collection Department started calling my house multiple times per hour. When I answered the phone it was either a computer telling me to hold, or an operator asking for my name and then they hung up. On the night of the XX/XX/XXXX I answered the call and asked why they were calling over and over again, and the operator said - Well " you seem upset XXXX XXXX, this is not a good time to talk. '' And hung up. We contacted Wells Fargo, they hold our mortgage and our equity line. Mortage dept confirmed our XX/XX/XXXX payment was received. We send both payments electronically from our XXXX acct. On the Morning of the XX/XX/XXXX the phone starts ringing again from Wells Fargo. When I talk to them they tell me that my Equity line is 3 days late. I tell them I paid it electronically already and the mortgage dept received it 's payment. After a lengthy phone call the Wells Fargo operator admits they are having an issue with XXXX electronic payments. But they recommend I make a second payment before they report me to collections. The payment was sent on the XX/XX/XXXX. The payment was due on the XX/XX/XXXX, and collections started calling on the XX/XX/XXXX. On XX/XX/XXXX I received a notice from XXXX that my Equity payment was being returned. I went to XXXX and received a copy of a memo from Wells to XXXX stating they had closed several lock boxes that XXXX mailed the payments to and the payments were lost. I then went to Wells Fargo to pay my equity line for a second time. On XX/XX/XXXX when Wells Fargo started calling me for a payment that was 2 days late they were aware of the issue with the XXXX Payments. Between XX/XX/XXXX and XX/XX/XXXX - Wells Fargo called my house 19x because of a 2 day late payment they rejected. They hung up on my wife and I on 4 different phone calls. I filed a complaint with the Executive office of Wells Fargo. After a week of reviewing my case they admitted the operator who spoke to me was impolite and they were going to discuss with her how to better handle customers. They lied to me as to the reason the payments were rejected. They lied about when the lock boxes were closed. And they said the problem was because of XXXX. I have a Wells Fargo memo that states the opposite. Wells Fargo 's only offer of compensation is that they are not reporting my XX/XX/XXXX payment late, and not charging me a late fee -- -FOR A PAYMENT THEY REJECTED. I believe calling 19x in less than 24 to collect a debt that is 2 days late, and is late because you cancelled the payment to be harassment. It took me at least 5 hours to deal with both banks to get to the bottom of this situation. Telling me that their collection department is being reviewed and offering me nothing is unacceptable.
Consumer complaint received 2017-08-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (OH)

We are trying to refinance under the HARP program and we are having a difficult time getting financed because Wells Fargo is not reporting our payment history to the credit reporting agencies after or during our Chapter XXXX BK. We have tried to contact Wells Fargo many times starting on XX/XX/XXXX spoke to XXXX XXXX in the BK department and opened a work order to have XXXX XXXX reach out to all three bureaus and report our credit history after our Ch. XXXX discharge and send a letter to us that they reached out to all three bureaus and are reporting accurately. We called back on XX/XX/XXXX and spoke to XXXX at Wells Fargo to check status and did not get an update but assured us that he opened another work order to start having the mtg history report our credit history and will send a letter to us to confirm they are reporting to all three bureaus. XX/XX/XXXX, spoke to XXXX and was told it is still under investigation. On XX/XX/XXXX, spoke to XXXX XXXX in corporate office and he will open another order to make sure mortgage history is reporting accuratlely and will continue to do so to all three bureaus along with sending us a letter that they are reporting to all three bureaus. We followed up several times after and was told that it is still being investigated with XXXX XXXX at Wells as she needs more time. Today, we received a letter from Wells Fargo stating that They report the status of our account to consumer reporting agencies as it was on the date we file Chapter XXXX BK. We continued to report that same status until the Chapter XXXX BK was discharged ... Our discharge date was on XX/XX/XXXX and Wells has stopped reporting since XX/XX/XXXX. We asked when will they start reporting again to all three bureaus that we are on time after the BK. XXXX XXXX 's answer was if we want to open another work order. Please advise as we do not know what to do at this point since the same concern has been addressed with Wells Fargo many times and no response as to or when they will start reporting to all three bureaus.
Consumer complaint received 2017-08-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (TN)

My loan is with Fedloan. My first issue with them was when my monthly payment increased after 11 months, instead of 12 months. I called several times and spoke with customer service representatives. Finally, an alert representative realized the problem and I was given an administrative forbearance.
My current issue is that my new monthly IDR recalculation was approved to start XXXX/XXXX/17 for {$270.00} and I retired XXXX/XXXX/17. I called Fedloan to ask the procedure to obtain a new payment amount, since my monthly income significantly decreased from {$4100.00} to {$2800.00}.
I was instructed to complete another IDR and check the box for it to be completed immediately. On XXXX XXXX, 2017, I uploaded the completed form and income verification on the web site. The next day I called to make sure the documentation that was uploaded was sufficient. The representative checked the information and assured me that it was sufficient.
I called several times from XXXX XXXX, 2017 to XXXX XXXX, 2017, regarding the status of the request. I was told by representatives that the response time could be from 2 weeks to 1 month.
On XXXX XXXX 2017, I received a letter stating the request was denied for the following reason : unable to determine your current income because document you provided doesnt clearly indicate the frequency of your pay. I immediately called Fedloan to have the representative retrieve the documentation and let me know exactly what needed to be in the verification letter.
The representative pulled up information and stated that the letter clearly states in the first sentence that I am paid monthly. He notated the account and sent the documentation back to be reviewed again. ( I did not submit any additional documentation and received a letter on XXXX/XXXX/17, notifying me of the new payment of XXXX. ) The new payment was due to start XXXX/XXXX/17, instead of XXXX/XXXX/17. Since they did not complete the 2nd review until XXXX/XXXX/17, I was penalized for their mistake. They used the same documentation that was originally submitted to recalculate my new payment. I requested that an appeal be submitted, because I was being penalized for their error.
Also, I requested an administrative waiver for XXXX and XXXX, since the payments were more than I could afford. I was told that it was nothing they could do regarding the missed payments, because of the closeness of the recalculations.
Consumer complaint received 2017-08-07
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: John C. Heath, Attorney at Law, PLLC (CA)

I paid for Lexington Law credit repair service to provide ways of removing old or incorrect data from my credit reports. Some items were removed except XXXX who first reported that I was on default for 90 days during the timeframe of XX/XX/XXXX-XX/XX/XXXX. I had submitted application for forebearance because I had returned to XXXX  school. As you would assume, these items, incorrect or not should have been removed from my credit reports because these items are over 10 years old. Lexington law supposedly contacted them requesting a response but not only did they not respond to me XXXX has yet to remove these items of late payments.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2017-08-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bliksum, LLC (CA)

I took out a loan from a company called " Loan me '' in XXXX of 2015 of the amount of {$2500.00}. I received a phone call from my sister that someone named XXXX contacted to verify who I am and where I live, she also contacted several other people in my family and job to get in touch with me. When I called XXXX she told me that she works for a company called " XXXX XXXX XXXX '' in good faith I gave her my account information because I know I took out this loan and set up a payment arrangement with her which was going to be {$400.00} a month over the course of 2 years with no interest ; however, when I looked up this company there is no information of its existence. I asked XXXX to send me a letter to confirm that she works here and I got an address which was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX and phone number is XXXX. When I look up this address it is showing that it is a XXXX XXXX. She threatened to take me to court and sue me for the {$4800.00} and guaranteed me that I would loose in court. After I hung up the phone with her something did n't seem right. I started to do my research and contacted Loan me to see where my debt had gone and they told me that it got sold to " XXXX XXXX XXXX '' and that they ca n't give me anymore information not even a number to contact them and that I had to look it up. After looking up the company XXXX XXXX XXXX, I am still not able to find any information on it. All I would like to do is find out where my debt went and see how I can settle this because none of these companies that are calling me or non- existent. I went ahead and cancelled my debit card and reported it to my bank but now I am back at step one.
Consumer complaint received 2017-08-05
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: Experian Information Solutions Inc. (NC)

XX/XX/XXXX I went to purchase a new vehicle. They was to run my credit with the finance company that I had already finance my car with. A few days I am receiving multiple letters from different banks etc. On XX/XX/XXXX, I received a letter from XXXX XXXX. It states that XXXX , XXXX used my credit to make a decision. I did not authorize this company nor any other company to pull my credit. I do not know who this is. I have contact this company, with no results. I have XXXX to find out how I can get a better resolution. Hope this will be the best result. Thanks