davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-12
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. (UT)

Equifax Reporting : XXXX XXXX Acct A balance of {$1300.00} when the balance was Charged Off as of XX/XX/XXXX. The Balance should be XXXX  ( XXXX ). This is a blatant violation. 

*They are also reporting that there have been 2 more charge off dates of XX/XX/XXXX and XX/XX/XXXX, since the account was closed back in XX/XX/XXXX and is negatively impacting my credit score, making it appear that this is new information. The Charge off dates Reported seem to correspond with the dates that I sent in Disputes. This is totally inaccurate and misleading as well as re-aging the account inaccurately. 

* I have also requested an Original Signature, showing that I have a legally binding contractual obligation to XXXX XXXX. Which I have never received. 

* Invalid Account # XXXX Listed I have disputed it in XX/XX/XXXX and again in XX/XX/XXXX and all they do is update the reported date and never fix the inaccurate and misleading information and causing my credit to look as if it's a brand new issue. The XXXX account was closed back in XX/XX/XXXX and not sure why Equifax is not reporting it correctly and they are refusing to send me any reason why. 

All of these items are a Violation to the Fair Credit Reporting Act.
Consumer complaint received 2018-12-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HOME FINANCING CENTER (FL)

I paid of my mortgage loan XXXX early in full on XX/XX/2017 as per the payoff statement provided by Home Financing Center due to many irregularities in the way the company was hiding excess payments as " fees '' or " taxes '', their not applying payments to the account as paid so that they can bill additional " late '' fees and many other problems. They have provided credits when it has been called to their attention but later " miscellaneous '' charges keep popping up to make funds disappear again. To date I have been unable to obtain my satisfaction of mortgage from them even though it has been over a year since paid. They are also continuing to damage my credit all they while they have the payment sitting in " unapplied '' to rack up more late fees. After I requested a refund of the excess payments, all of a sudden I received a purported backdated " legal fee '' cost on the account from one XXXX XXXX XXXX ( F rating at XXXX XXXX XXXX ) to make  the excess funds disappear as I had requested a refund of the escrow account. This " cost '' showed up after the mortgage was paid in full and was not noted on the payoff statement. Home Financing Center needs to lose its ability to service or write mortgages especially FHA mortgages. I would appreciate receiving my satisfaction of lien for my property by the end of this year as it is preventing me from selling it or passing it on to my children causing great damage.
Consumer complaint received 2019-02-12
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. (AK)

I borrowed approximately {$20000.00}, consolidating small loans into one loan in XXXX. Over the years I have paid approximately $ 16,000+ towards this loan. Navient. Need I say more? Despite repeatedly asking over the past 20ish years if I had any other alternative regarding payments, Navient always replied that my only option was a forebearance or pay the past due amount in full. AT NO TIME did they offer me income based repayment. They did this intentionally as they make MUCH more money via forebearances. Had they done so, the loan would be paid off by now. As it stands today, they have my balance at over {$44000.00}. Seriously???? My loans originated in XXXX, but I have lived in XXXX since XXXX. I have filed a complaint with Sen. XXXX XXXX and asked him to intercede, but not sure how much that will help. Navient is now in the process of confirming my employment, etc., which, my being a XXXXXXXX, I know means they are preparing to sue me. This will be patently unfair and highly injurious to me. I do not believe I should have to pay through the teeth for Navient 's ongoing lying, cheating and stealing. I would like to join any lawsuit available, ESPECIALLY filed by the CPFB. Please advise on how I can stop this ongoing harassment and have my loan recalculated from the first time I was given a forebearance and should have been offered income based repayment. Once this is done, I believe they will actually owe me money, as their payment records ( which despite years of requesting, only recently received from the Feds ) show that I have paid nearly the amount borrowed, and my income has never been high. Further, my primary income has been from XXXX for the last 19 years, and very low at that. Thank you very much for your assistance. XXXX XXXX XXXX
Consumer complaint received 2020-08-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MO)

I have purchased a product on XXXX and used Paypal services to pay for the item. It turns out the item was misrepresented and I requested a full refund. The buyer accepted to refund the full amount without requiring the buyer to return the product. 

All of the communications including a picture of the PayPal screen showing that Paypal will be refunded to the buyer. However, Paypal representatives are refusing to refund my money for the amount of {$49.00} as they have mentioned in the chatbox. They keep saying that the buyer must return the item in order to get a full refund. 

The Buyer asked the Seller to send a pre-paid postage so the Buyer can return the item and the seller made a decision to not require the buyer to send the item back. The buyer has agreed 100 % refund the money as all communications on XXXX as proof what has transpired. 

The Buyer has asked Paypal via online chat and they are firm in their decision to not refund the total amount because the buyer refuses to send the item back to the seller. The seller does not want the item back. 

It is not the Buyer 's fault to buy an item on line what was misrepresented and Paypal should know that misrepresentation of products online is considered FRAUD and therefore, the Buyer should not be required to pay the postage to send the products back to the seller without a Prepaid postage from the seller.
Consumer complaint received 2018-12-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: P&B Capital Group, LLC (GA)

I lost my employment in XX/XX/XXXX ( at that time I was XXXX  years of age ), thus, I started Social Security at that time. I used all of my savings to supplement my Social Security in order continue to pay my bills and necessities. When it was obvious that I was running out of savings ( in XX/XX/XXXX ), I started a debt management service in an effort to pay all remaining debts. XXXX XXXX  was the holder of 2 of my accounts ( XXXX and XXXX ). Both of these accounts were placed in my debt management program. Through the service, some of my credit card accounts have been paid in full, XXXX is one of those accounts. However, last month a collections notification was placed on my credit report from XXXX XXXX XXXX for the XXXX account. XXXX XXXX was contacted, who then told me that I needed to contact XXXX XXXX XXXX, who then told me that I needed to contact P & B Capital Group, who then told me that I needed to contact XXXX XXXX ... as you can see the tail chasing began to go on and on. Best that I can assume is that the amount still owing is for XXXX, but no one at XXXX XXXX XXXX ( indicated on the credit report ), XXXX XXXX XXXX or P & B Capital were able to give me specific information, yet they were able to place a collections notification in XX/XX/XXXX for an account that was actually paid in full in XX/XX/XXXX. Please note that P & B Capital continue to receive payments for the XXXX account from the debt management service each month and is scheduled to be paid in full in XX/XX/XXXX.
Consumer complaint received 2018-12-12
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: JPMORGAN CHASE & CO. (OR)

On XX/XX/2018 I called XXXX to pay my grandson 's mobile phone bill. Later in the day I discovered that the agent had applied the funds to the internet account rather than to his mobile phone account. For some reason, XXXX was unable to transfer the funds. At that time, I paid a second time with a second credit card. That second payment was applied to his phone account. I called the original credit card company to cancel the first payment. They will not do that without a statement that the account has been paid. Since I am not the owner of the XXXX account, I can not get a statement therefore the credit card company will not cancel the payment,
Consumer complaint received 2018-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX/XXXX  ( XXXX ) This account was opened in XX/XX/XXXX XXXX last payment was XX/XX/XXXX and should have been closed or charged off 90 days after starting the clock for the 7 years of charge off reporting XXXX XXXX  re-aged the account to show closed on XX/XX/XXXX as a Charge off.

I also contacted the big 3 credit comps. and they wont change it even though the dates are reporting for my last payment. 

This account should be removed from my reporting due to age of 10 years plus from last payment.
Consumer complaint received 2019-02-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DISCOVER BANK (UT)

Written request was made to the company via mail as well as via to a point of contact at the company who acknowledged receipt of notice to cease and desist. They have continued to call repeatedly after receiving my formal request to only communicate with me via email or in writing due to conflicting information given to me by different individuals who supposedly work for this company.
Consumer complaint received 2020-08-20
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: Experian Information Solutions Inc. (TX)

On XX/XX/20 I received an alert from Experian that my score dropped 23 points. When I viewed my report for detail, absolutely nothing had changed from the last report. I called to receive clarification on why my score would drop 23 points when there are NO changes to my credit report and the CSR explained they could not provide specifics for the decline in score. She could only provide a general explanation of negative accounts Also, collection accounts traditionally have less impact on your credit score over time. Collection companies know this so they employ little tactics to fraudulently decrease a consumer 's score. There are two collection accounts on my report where the companies are repeatedly " updating '' the Balance Owed or other categories although all info remains the same. These updates decrease my score each time as if it is new information. 

I spent 50 minutes on hold after receiving notification of a score decrease and the representative ( XXXX ) could not explain the reason for the decline. She initially stated it was because I opened a dispute ... which disputing information should never lower a consumer 's score. I then informed her the dispute was filed AFTER the decrease. She had no answers and stated my current report was unavailable and I would have to call back in a few hours.
Consumer complaint received 2018-12-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

XX/XX/2018 I open a check account with Citibank over the phone and was given a promotion over the phone which I still have a hand writen note make debt purchase of {$370.00} or more within 60 days and make 1 or 2 bill pay within 60 days ( no minimum amount ) wait 90 days after the 60 days period get XXXX XXXX XXXX XXXX So I opened the account and did the purchase and bill pays and during the time of promotion of 60 days I have made two phone calls to check weather I will get the miles they all said I am good I just have to wait 90 days but the miles never came so XX/XX/2018 I filed a dispute with bank confirmation # XXXX and I got a letter back from them and my promotion was denied
Consumer complaint received 2018-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SIMM Associates, Inc. (MI)

Today ( Wednesday, XX/XX/2018 ) I received a call from this company stating that I have been reported because of my " bad credit '' and a " unpaid debt ''. They asked me a couple of questions and even tried to get some personal information but since I was not completely sure about their reliability, I did not give much information. I search in the internet for this company but there's nothing well described. They said " they were going to reach me out again after performing a more deep investigation ''. The number is XXXX
Consumer complaint received 2018-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fairway Independent Mortgage Corporation (DC)

On XX/XX/XXXX, I applied for a budget drafting plan that would change the timing of my mortgage payments from one lump sum on the first of the month, to two payments every two weeks. I spoke on the phone with a customer service advisor from Fairway Independent Mortgage Co., who said that the budget plan would take some time to implement, and that I should make my mortgage payment online in full on XX/XX/XXXX. On XX/XX/XXXX, I submitted my full mortgage payment online. 

On XX/XX/XXXX, I saw that the company had again charged me the full amount of the mortgage, then followed up on XX/XX/XXXX with a credit for the full amount. The company then charged me AGAIN on XX/XX/XXXX the full amount of the mortgage. 

I received two overdraft charges during this week as a result.

I called the customer service line at the company, and spoke at length with a representative and then with a supervisor. They refused to refund the payment, saying that I had done so with their permission. The supervisor denied the XX/XX/XXXX charge on my account existed, and demanded I send him a copy of my bank records to a fax number he provided. He also said that at the earliest the company would be able to refund me at the end of XXXX, and that I should just go ahead and accept the charges. 

Not only did the company charge me three times for the full amount of my mortgage and refuse to refund me, but they also charged me twice in one month for the full amount, versus what I signed up for - half every two weeks. 

Also it is suspicious that the supervisor would ask to have a copy of the bank records, when the company was at fault, in order to process a refund that would apparently take over two weeks. Fairway Independent Mortgage is playing loosely with consumer finances, and will end up costing me hundreds in overdraft fees as a result of their incompetence.
Consumer complaint received 2019-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

My Citi Bank Visa ( XXXX XXXX ) has a " price rewind '' feature that if I find a lower price within 60 days of the date of purchase, they will credit me the difference. In XXXX of 2018, Citi changed the rules so that items from an " internet auction site '' are no longer eligible.

Here is a link to what is and what isn't covered : https : //www.citipricerewind.comXXXX I recently filed two 'price rewinds ' for some electronic items. A computer monitor that was {$70.00} cheaper than what I originally paid for it and a computer video card that was {$100.00} cheaper. I later found these items on sale at the XXXX XXXX XXXX  : http : XXXX XXXX is a pretty well known for selling computer parts but I believe that they have also opened this 'store ' on XXXX to gain further market share and exposure because they now they sell much more than just computer parts. 

Now I can understand Citi not wanting to 'price match ' and XXXX auction, but an XXXX  XXXX is not an auction - it is a sales platform. Brand new items, with warranties, return policy, etc are sold at a fixed price. In the instance of the computer monitor I filed a Price Rewind about, XXXX sold over 250 of them ( at  {$800.00} each ) through their XXXX XXXX. I view an XXXX XXXX as the same thing as a small vendor selling something through another well-known sales platform - XXXX I don't think it is right that Citi automatically disallows any purchases from an " XXXX XXXX '' and automatically label it as an 'auction site '. I think they are abusing that policy to avoid paying out on claims
Consumer complaint received 2019-02-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

Hi, I have direct loans. I am trying to get the Public Service Loan Forgiveness. I consolidated my staffords into a direct loan in XXXX in order to qualify. I have been on the ibr plan and most recently repaye plan the entire time. I've been making timely payments the entire time. So, next year should be around my 120 months ' of payments. I've only worked for 2 employers, all fulltime, during this time, a XXXX XXXX   's Office and the California XXXX XXXX XXXX. I submitted my form for the XXXX 's  office for XXXX and CA XXXX from XXXX. Both were certified as qualifying employers. Nonetheless, my statement shows only 30!!!!! qualifying payments. I have emailed and emailed. All they say is the standard : we will review your account for qualifying payments and update the number. They have never updated the number or provided any information about the payments that they have not counted as qualifying. I've asked for that review and that information so I can backtrack through my accounts to find proof of payments or whatever it is that I need to resolve this issue. Whenever I email about it, they just send the same response again, as if I have not been emailing for the last 2 years about the same thing. There is no accountability and no standards for XXXX 's servicing of these loans or how quickly and accurately they calculate qualifying payments. Finally, I do believe that the problem stems from the time that my loans were serviced by XXXX XXXX before they were transferred to XXXX XXXX and that perhaps those records from XXXX XXXX are not complete or have not been reviewed. 
Second thing, they have now twice put my loans in forbearance without my request. I called about that too, and they claim that it is for my benefit. I've explained that it is not, as interest continues to accrue and the payments that I make during that time do not count as qualifying payments. The first time they put my loans in forbearance, I did not make the payment since it would not count. Then, I complained about it and they reversed it after the payment was well past due. So, when I paid, it was after the 15 days. So, this last time ( XX/XX/XXXX ), they did it again. I paid anyway, but I'm sure that payment will not count as a qualifying payment either.
Consumer complaint received 2019-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

this is in regards to an HSBC credit card account # ending XXXX i called them early XX/XX/2018 to pay off my balance. After being transfered multiple times i was transferred to the collection department only to be told no one could take my payment and gave me # XXXX to call and pay. i called that # only to be told they did not have the account. On XX/XX/2018 I called HSBC again transferred multiple times again to be told they cant take my payment and to call XXXX XXXXXXXX XXXX. I calld XXXX XXXX XXXX and paid them in full on XX/XX/2018. They did not give me a receipt. but did say it would update to a paid in full within 30 days. That never happened. Now as of today HSBC is reporting a " chargeoff '' to the bureaus reflecting a derrogatory on my credit costing me my home loan. I want this rectified as I do not have long and want to leave a clean slate for my family. This is horrible that my credit report reflects payments on time at 100 % for this company who I have tried to work with and pay since the summer.!!! This is unacceptable and demand this be removed from my credit file.
Consumer complaint received 2019-02-12
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: Experian Information Solutions Inc. (TX)

experian shows 2 accts in collection, but doesn't show the co that report it. Can't get them on the phone with the # they post. XXXX XXXX put XXXX on all 3 cr reporting agencies. They informed me in cs its a install fee. I was told by sales when service was order in XX/XX/2018 there would be no fee. I took the trai period for 30 days return all equipment. Never heard from them again, now i see it on all 3 cr reports. Tried of sales dept making up info to get a sale, comm, promo. They need to stop with thier lies and be honest.
Consumer complaint received 2019-02-12
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: EQUIFAX, INC. (TX)

report to XXXX XXXX XXXX XXXX. Still not on my cr report i dispute the collection. XXXX   XXXX put on both XXXX XXXX equfax collections. XXXX  never bill me since XX/XX/2018. I took the free trail for 30 days and return all equipment. Now in XXXX I am in collections. now they say its a installment fee. Sales dept in XXXX when i order it, they said there is no install fee. I am tried of their lies just to get a sale, com, promo. This unfair business practice needs to stop. I want the XXXX off my acct.
Consumer complaint received 2020-08-20
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: Experian Information Solutions Inc. (OH)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 
Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020