davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-19
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. (OR)

In XX/XX/XXXX as soon as I saw mail showing I was behind my payment to them I called to let the credit card company know that I had to close my bank account and re open another bank account due to some hacking on the account. My payments were set on automated payment deduction that always comes out of this bank account and I needed to reset up the same thing with new bank account. I thought the payment for that month had already made it through and it did not go through as it said it did on line on there website and that is why I missed getting payment in on time. I was only a day or so past due when I called them to explain why the payment was not received and to give them new information on my new bank account and tell them the reason I was late was due to not getting my new bank account information over to them before my payment was to come out. After I told them, they said that as of this day I called in my account was technically past due. The credit card company said they would not show me having a late payment account since I called to let them know and redirect my schedule payment to the new account. Now my credit files say the dispute has been taken care of, but it is still on my credit files saying I was late. I need to have this removed from my files showing I have never been late. I am buying a house and this is damaging my ability to do so. I would have never been late if it had not been for my automatic payment not going through because of the change in accounts. I was told they would not show me late. Also the credit card does not show the years I have had it so my credit looks like I have only had credit for just over a year and it's been almost 3 years. This is what is shown on the Credit bureau 's and it should not show late. Overview You're currently using 98 % of your account 's limit. Balance {$880.00} Credit limit {$900.00} Minimum monthly payment {$45.00} Opened XX/XX/XXXX ( 2 yrs, 3 mos ) This is not shown on the credit bureau 's facts for scoring. Payment History Youve made 96 % of payments for this account on time. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last payment XX/XX/XXXX Current Payment Status Current Amount past due {$0.00} Worst Payment Status 30-59 Days Late Account Details Account status Open Type Credit Card Responsibility Individual Remarks Dispute resolved ; reported by grantor Worst payment status 30-59 Days Late Times 30/60/90 days late 1/0/0
Consumer complaint received 2018-09-13
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (NY)

Navient is repeatedly harassing my father, my sister, other family members, as well as myself, by calling multiple times a day in reference to my student loans. I have asked them to leave my family alone in the past and they refuse to do so. I asked them to take the cosigner off my loan and they won't do that either. I lost my job in XXXX and don't have the money to give them until I find a new job. My father is a Veteran and a retired XXXX year old man, who doesn't have any money to give them either, yet they still harass him every day! I want it to stop immediately!
Consumer complaint received 2016-02-02
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK (NY)

I have had a Discover card since 1983. I have had to use this card in the past three years for various purchases. I noticed that even making my payments on time and paying just over the minimum, my balance did not seem to go down! At one point I had done a balance transfer to this card only to find out that one month my interest charge was more than my payment!! I cut up my card and sent it back to them. After several attempts to try and get my interest lowered, they wo n't even budge. Now, after making my payment, less than {$10.00} goes to the principal and my minimum payment keeps increasing!!!! I am never going to get this paid and it now has caused me financial issues.
Consumer complaint received 2018-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRSTBANK PUERTO RICO (PR)

I have always had problems with this bank. But this is a new one. Since last year, my insurance has been paying the monthly payment due to unemployment and XXXX. Since the hurricanes in Puerto Rico, they have been late-posting the payments and I believe that is to charge more interest which also affect my credit report with their overdraft. I've been always in contact with the insurance and I have the record of their payments. Three checks were sent and the never post it. The insurance made these new checks on XXXX. Now, the last check was sent on XX/XX/XXXX and it has not been posted. 17 days to post a check by mail? Seriously. Letters arrived in two days. Contacting someone in the headquarters IS IMPOSSIBLE. I have tried to call more than 10 times and I'm always transferred to Customer Services Department THAT NEVER KNOWS A THING. I really, really really hate this bank. I'm very anxious to leave this bank.
Consumer complaint received 2018-09-13
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: NCB Management Services Inc. (FL)

XXXX continues to illegally report on my credit a debt that they are claiming. They keep changing the account closed dates, the account number, and the amount so they can continue to report it. They have also fabricated a payment in 2016 so the reporting period would start all over. I have disputed this account both with XXXX and with the credit bureaus. They then sold it to a reporting agency and had it reporting to my credit as 3 separate line items. I was able to dispute that due to the similarities. It was at that time that they added a false payment so that they could continue to report this as a bad debt on my credit reports. This debt is passed 7 years and due to their illegal reporting practices it continues to harm my personal credit files as though it is a brand new collection.
Consumer complaint received 2018-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: LEXISNEXIS (TX)

I have been trying to obtain a full disclosure report with XXXX from LexisNexis since XX/XX/2017. After 5 calls to customer service I have yet to receive a copy of this report. I've spoken with several agents who assure the report will be either mailed or emailed within 7-10 days.
Consumer complaint received 2018-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (OR)

I took out a sears mastercard under a promotional offer. I rarely used the card. I made a {$25.00} purchase. I always pay my bills on the first of each month. Apparently this card had due date of XX/XX/XXXX. They posted the receipt of {$25.00} on XX/XX/XXXX. The following month I received a late fee of {$27.00}. I called in and requested the fee be waived and I closed the account. There was XXXX outstanding balance on the card. I assumed the card was closed and the fee was waived. The following month I received a bill for an additional {$41.00} fee. The total I now owe : according to sears : is {$68.00}. I called Sears and explained they had waived the fee and I had closed the account. Sears said they could waive the {$2700.00} fee ; but I still needed to pay the {$41.00} fee. I wrote a letter and explained the situation. I just received a response that stated " We received your request for a fee credit on your account. We are unable to credit your account for the late fee because it is valid. '' I am guessing : that the fee will continue to mount until I pay the fees.. This is a unfair practice. Sears received their money and I closed the account. I have no plan to pay any of their excessive fees. I will never purchase anything from sears, or citibank mastercard. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX. XXXX Thank you, XXXX
Consumer complaint received 2018-01-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (WA)

I had an open credit card with Chase bank. 

In XXXX, I set-up payments through their customer center to be charged to my checking account through XX/XX/XXXX. 

I paid off the entirety of my card in XXXX of last year. 

Despite the fact that my card was paid off, I was charged {$110.00} on XX/XX/XXXX, which over-drafted my account. 

I contacted their claims center and spent 45 minutes on the phone with them. After being transferred several times, they told me that even though the card no longer exists and there was no balance on the card, they could not credit money to my account. 

So, I am faced with an over-drafted account, potential fees, and hardship today and until I receive more money because of an error on how Chase processes their payments. 

To me, it does not seem right that I have to face hardship because an error in processing that Chase has made. The burden of making sure that my account is not being charged in error ( IE payments being made for a card that is already closed ) should fall on the company and not the consumer.
Consumer complaint received 2018-01-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (OH)

Sallie Mae has been applying anywhere from one-third to over half of my monthly payments towards interest, rather than all of it applying to the principal, which is what I was under the assumption it was going toward. This is a trick to get me to pay more money in the long run and I did not approve it. I wanted all of my payments to go toward the principal amount of the loan. This is scamming business. Also, they have raised my monthly payments rates despite me having taken out locked interest rate loans. I am supposed to pay the same amount every month and they 've changed it in the last year without any indication that it was being changed or why. This company is a scam.
Consumer complaint received 2018-01-23
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: EQUIFAX, INC. (TX)

Equifax reported " active duty alert '' on my credit file in error as I am not in the military. 
When I contacted equifax, I was told that the error will be fixed in 24-48 hours. 
24 hours later I noticed that all my positive accounts disappeared and were replaced by derogatory accounts that did not belong to me. 
I contacted equifax again and they could not figure it out and I got a run around for over a week. 
On XX/XX/XXXX upon calling them continously for days, I was told that somehow my information was split and that due to a glitch all my accounts were suppressed. The csr was kind enough to reach office of consumer affairs and got my positive account history back. 
During this corrections, there were two negative accounts that were added that I did not recognize along with a gazillion inquiries. 
I was not provided any written notification of the glitch and the glitch has caused me financial harm thus far. 
The " active duty alert '' is back on my report along with numerous inquiries and 2 negative accounts that I do not recognize.
Consumer complaint received 2018-04-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (GA)

Every weekday, sinceXX/XX/XXXXuntilXX/XX/XXXXI have received persistent, aggressive calls and voicemails from XXXX I do not know who this caller is, or what they want. I do not answer unknown callers or their voicemails -- too many robo-scams out there. I have reported this number to XXXX, FCC, FTC, and the Do Not Call Registry ; I have put anti-spyware and call- blocking apps on my phone, bot the calls & voicemails still come thru. I added another call-block app on Monday, XX/XX/XXXX. It failed to block the call/voicemail ; but it showed the name : XXXX XXXX I " XXXX '' the name and found the address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX PLEASE STOP THESE PEOPLE FROM BOTHERING ME. I DO NOT KNOW WHO THEY ARE OR WHAT THEY WANT.

Thank you ever so kindly.
Consumer complaint received 2018-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (FL)

Date reported : XX/XX/XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$140.00} Amount {$140.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Creditor Classification Utilities Last Payment Date Date of First Delinquency XX/XX/XXXX I contacted the company and they confirmed that the account was not mine and that they would rectify the credit reporting error.
Consumer complaint received 2018-04-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

Im being forced to pay for a signature loan, that I did not need, did not request for, and did not sign for. I graduated in XX/XX/XXXX. By XX/XX/XXXX started receiving promissory notes about the loan, which at that time was over forty thousand dollars.After the Pell Grant and other grants, my responsibility would be {$9000.00}. I contacted the university, by way of the XXXX XXXX XXXX. The response was evasive, and I was inform that the loan was for a girl name XXXX. I seriously felt that they would clear up the mistake, but they didnt. From XX/XX/XXXX -XX/XX/XXXX received more calls about repayment. By XX/XX/XXXX I was close to 200,000 in debt. At this time they were still Sallie Mae. By XX/XX/XXXXI have filed bankruptcy chapter XXXX. After receiving a bankruptcy discharge, this is when I learned of Navient, when I looked at my credit report, I saw that Sallie Mae, and Dept of ed, and NAVIENT had been included in bankruptcy, my ccredit report also reflected the same information. Also it stated that the loans where no to be collected, sold, or transferred. Yet, as Navient, they transfered six of those account. All came about, due to school misconduct, such as forging signatures and falsifying documents ( source U.S. Supreme Court ) .navient has sense then taken one loan and broke it down into 6 individual loans to purposely damage my credit. {$8300.00}, {$4400.00}, {$8700.00}, {$2200.00}, {$5900.00}, $ XXXX= {$34000.00} ; which they are now saying is close to $ 60k.Navient has failed to resolve the issue.they will not send original information in reference to the accounts, thus who requested it? who signed for it? Not even would they say where they sent the money. I have asked them to remove the balances of my credit due to the bankruptcy discharge, which they honored. But when I go on their web site, it only shows one account. I current have that account on hold due to barrowers defense to repayment due to school misconduct.
Consumer complaint received 2018-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL (CA)

XX/XX/XXXXDear sir, In XX/XX/XXXX I, submitted an application to XXXX Wallmart for a credit card. The floor manager informed me that my application has been denied and will receive a letter explaining the reason why was it denied. OnXX/XX/XXXX, I received a letter dated XX/XX/XXXX, from Synchrony Bank that they were unable to approve my request at this time because the CREDIT BUREAU REPORTS APPLICANT IS DECEASED. I am still a life and very healthy. Also I have XXXX XXXX and XXXX XXXX  credit cards approved it to me. This is ashamed to a Big Bank like Synchrony in Florida and being such big companys like WALLMART in XXXX California Unfotunally reported that I was DECEASED, that hurt my ego.

I request an investigation and a credit correction.

Thank you XXXX XXXX
Consumer complaint received 2021-01-20
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. (OH)

I WAS IXXXX OF THE TIME OF THESE STUDENT LOANS AND CREDIT BUREAU KEEPS SAYING ACCOUNT IS VERFIED I ASKED THEM HOW DID THEY VERFIY IT AND NO REPLY FROM EXPERIAN U S DEPT OF ED/XXXX/XXXX Account number XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Education Loan Balance on XX/XX/XXXX {$3400.00} U S DEPT OF ED/XXXX/XXXX  XXXX Account status Closed Date opened XX/XX/XXXX Account type Education Loan Balance on XX/XX/XXXX Loan Amount {$2100.00}
Consumer complaint received 2018-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

The whole issue we are trying to resolve is I refinanced and didn't receive anything in the mail from wells Fargo untill you called in XX/XX/XXXX saying I missed XX/XX/XXXX payment and I didn't know you billed me. I was waiting for my first statement. So when I got the call the XX/XX/XXXX payment was missed ... I didn't know where to remit payment and I paid both XX/XX/XXXX and XX/XX/XXXX together. After that I had the payment details and was able to continue paying. 

Because I refinanced and got a new lender I was unaware when and when to pay. Please remove 30 days late reported in XX/XX/2018
Consumer complaint received 2018-04-19
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. (MA)

XXXX XXXX, XXXX was being reported on all 3 of my credit reports. On or about XX/XX/XXXX I disputed this item with all 3 credit reporting agency and on or about XX/XX/XXXX XXXX XXXX was deleted from all 3 credit reports. Now we are in XX/XX/XXXX XXXX XXXX, XXXX is now being reported again
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2018-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (CA)

Hello, my name is XXXX XXXX and I've had a couple of issues since being switched over to XXXX XXXX XXXX ( XXXX ). Initially, I had difficulty in logging into my account when being switched over from my initial lender so I spoke over the phone with a representative to help me get everything set up. This also entailed getting the online automatic payments set up. Knowing that I would be out of the country in XXXX ( when the next payment was due ), I was under the assumption that everything would be drawn from my account and that I would have nothing to worry about. I come to know that my account was past due and that I had been reported to the credit bureaus. Upon speaking to representatives at XXXX today ( XX/XX/18 ), we have noted all of the above concerns on the account. Secondly, I both XXXX and XXXX have noted that I have 4 missed payments, yet there are only 2 loans and the only " missed payment '' that caused the case to be filed was for the month of XX/XX/2018. 

I have never missed a payment in my life and to see this all around the time I am attempting to be another home is quite troubling and concerning. I have submitted all necessary payments and made sure with XXXX that everything is now functioning automatically. Please take my entire history in considering the case, again I have been a model borrower, I have a mortgage and car payments that have never been late. Thank you for your time and consideration. I look forward to hearing from you soon.
Consumer complaint received 2018-09-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

This company has never contacted me through written correspondence. They have place this account on my credit report regarding a debt that I do not owe. I was never provided any details as to the authenticity of this account because none exist. I believe the creditors are partaking in fraudulent activities as this is an unauthorized account. I have disputed these accounts with XXXX, it came back as verified. This debt is invalid. Every member of my household has had Medicaid for the last 8 years which pays 100 % of ALL medical cost.
Consumer complaint received 2018-04-19
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. (KY)

So I have read you story on CFPB Sues Nation 's Largest Student Loan Company Navient for Failing Borrowers at Every Stage of Repayment. On XX/XX/XXXX I had a Disbursement of {$6700.00} I have taken forbearance a few times as I could not make the payments. Never was I told about income reduced payments. They set me on a payment system where I started out with smaller payments for months then ramp it up for some months then ramp it again. Only problem from XX/XX/XXXX thru XX/XX/XXXX I was only pay interest. From then toXX/XX/XXXX I started paying a little more but most months only {$10.00} was going to balance. As of today I still owe them {$2100.00} at 7.750 %. Sad as I was not told I would only start out paying just interest for years. As of date I have paid them {$10000.00}. and will pay the loan off inXX/XX/XXXX SO when done I will have paid back twice the amount of the loan.
Consumer complaint received 2017-11-30
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: JPMORGAN CHASE & CO. (FL)

I was charged on the card with number XXXX XXXX XXXX XXXX erroneously by XXXX the amount of {$100.00} on XXXX/XXXX/XXXX. I didnt know this fraud charge was there so i didnt make payments. Chase charged me an additional {$150.00} in late fees since then and ruined my credit. XXXX refunded the charge but chase has not refunded the late fees. I would like to have the late fees deleted and my credit record fixed in regards to these charges. Thanks.