davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (SC)

I have 10 private student loans which are serviced by American Educational Services. I have paid these loans on time for over three years. This has been a struggle paying these loans, but I do not want to ruin my credit. I have contacted them monthly to ask for assistance in reducing my payments for the loans which are NCT. I sent in a request in writing in XX/XX/XXXXwhich was never acknowledged, I have also asked for copies of the notes that I signed twice, in XX/XX/XXXX and  again today, XX/XX/XXXX. Today, I called again after seeing a reduced payment schedule for the NCT loans on their website. I was told by the rep that this does not apply to me. I asked to speak to someone above her and she said no one was available and I would have to call back. Lastly I asked for the phone number for NCT and she informed me that they were told never to give the NCT phone number to anyone. I have not been treated fairly. I forgot to mention, the woman informed me that I need to stop paying these loans and someone will assist me.
Consumer complaint received 2021-11-08
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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX. 
Enclosures : Social, ID, Identity Theft report
Consumer complaint received 2021-01-24
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TN)

Chase Bank failed to logically and properly respond to the Original Complaint ( CFPB Complaint Number : XXXX ; JP Morgan Chase Case Reference Number : XXXX ). Please see below. We are requesting that Chase redeem a legitimate Certificate of Deposit in accordance with its terms and conditions. The Chase response offers speculations, some without foundation, and does not resolve the simple action of redeeming a modest CD. 

1. Chase comment : We researched the information you gave us, and we are unable to locate any information on the account you provided.

1. Our response : Because Chase can not locate any information does not mean it doesnt exist. We provided the actual CD to bank representatives and a pdf of the CD with the original complaint. Because the CD is a certificate and NOT an account, the bank should not expect to find an account number.

2. Chase comment : The account may have been closed because of our seven-year retention policy.

2. Our response : Because the CD was perpetual and not redeemed, the bank should not have deleted any records. Deleting records of a legitimate obligation is not appropriate. Further, there is no account to close just an obligation to adhere to the CDs terms and conditions.

3. Chase comment : Please contact the state that the account was opened in or go to missingmoney.com to try to locate any further information.

3. Our response : The original complaint explained, in detail, that we contacted the State of Indiana, and was directed to the Attorney Generals Office. That office stated that the Bank had not transferred any funds to the missing money fund and thus the Bank had an obligation to honor the CD. It appears that the JP Morgan Chase action officer failed to read the details of the original complaint. 

4. Chase comment : If you have questions, please call us at XXXX and reference case number XXXX XXXX. Our response : Four phone calls were made to this number and we were directed to Mr. XXXX XXXX. We were told that he would return the calls. Messages were also left on his voice mail box. We never received a call back.
Consumer complaint received 2019-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (OH)

After the unauthorized payments were reversed on my account, the credit card company charged two return payment fees of {$25.00}. These fees should not have been charged to my account due to the representatives submitting unauthorized payments. I thought this issue was resolved, but now that I finally have access to my statements on my account, I can see that I was charged two returned payment fees. These fees show up on the XX/XX/2019 statement. In addition to this issue, everytime I call in I am provided the wrong information about my account. As if today XX/XX/19, I have spoken to 5 different representatives. I should not have to speak with this many reps or receive poor customer service. The representatives fail to document my account correctly and this seems to have been the issue that happened XX/XX/2019 I would like for my account to be adjusted with the removal of the two {$25.00} returned payment fees that resulted in unauthorized payments in XX/XX/2019.
Consumer complaint received 2019-06-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (FL)

I had a 2011 XXXX XXXX XXXX financed with Santander Consumer USA. I originally took out the loan, in XXXX. I have been paying on the loan every since. The original loan amount was approx XXXX. It had been XXXX until now XXXX and I still had a loan balance of approx XXXX. My payment were originally XXXX monthly The moved to XXXX after the hurricane devastation. I requested a running billing statement several times but never received it. The vehicle had electrical trouble and would be her costly to fix. I requested extensions on payment to fix but was denied. I then sent in a certified return letter which was received as I have confirmation to voluntary surrender the vehicle. Santander then picked up the car but later contacted me stating they were listing as a regular involuntary surrender. As I did not call them. The certified letter is not the correct was to do it. This is even when their representative is the one who gave me the address to send it to. A few weeks later I received a letter stating the balance on the car owed was approx XXXX it was sold for approx XXXX and I owed approx XXXX.
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2017-02-03
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (FL)

My complaint is in regards to the Synchrony Bank/Wal Mart account in which the business is currently reporting the DATE OF FIRST DELINQUENCY as XXXX per XXXX. The reports provided as attachments clearly show something different. Please, see the attached reports. Per the 81-month history for this account on all the credit bureaus, the first 30 day delinquency occurred in between XXXX - XXXX. Those areas have been highlighted.
Consumer complaint received 2015-09-28
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Frost-Arnett Company (GA)

Collector called number OTHER than my number ( husband 's business cell ) and disclosed amount, nature of bill AND who bill was for to party other than myself. First began by saying they were wanted to verify employment ( I have worked for him in the past ), then wanted to verify address, then tried to verify number. When soc security number verification was refused and asked what this was in regards to, they released the amount, nature and biller to someone other than myself which is in violation of law. They also blocked their number which is in violation of the law.
Consumer complaint received 2020-08-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (ME)

On Wednesday XX/XX/2020, I received a call from Ally Financial Post Bankruptcy Department. I indicated to them that i need and wanted to keep the vehicle and resume making regular monthly payments ( {$670.00} Per Month ) They indicated to me that i would have to make payments of {$1100.00} for the next 4 months and then the payments would resume back to there regular monthly payments or they would repossess the vehicle. Due to COVID-19 we have been on unemployment and with the extra unemployment benefit that expired i am unable to afford {$1100.00} a month with a weeks notice or a threat of repossession. I return to work on XX/XX/2020 and i am behind on all bills, Not just Ally Financial? Ally Auto graciously did a forbearance, But if you did not have the money during the forbearance, How would you have all the money at the end of the forbearance? Also, This vehicle is vital for us to get to and from our jobs starting back up on XXXX after being on unemployment for month 's due to COVID-19 and no fault of our own.
Consumer complaint received 2020-08-21
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: Bread Financial Holdings, Inc. (MA)

I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Consumer complaint received 2020-08-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Account was closed XX/XX/XXXX with a balance of approximately {$19.00}. This balance was never received. More than 4 calls starting in XX/XX/XXXX were placed with the company in an attempt to have the final balance sent to me. It is now XX/XX/XXXX and I still have not received the account balance. I have spent over 4 hours on the phone with customer service representatives, but still have not received what is owed.
Consumer complaint received 2021-03-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (FL)

On XX/XX/2021, I wired {$100000.00} to Binance.US from my XXXX account. On XX/XX/2021 I realized the money had not been credited to my Binance.US account, so I initiated a ticket. The ticket is their method of gathering information on complaints and issues. The ticket number is # XXXX. 
I have contacted XXXX. They confirmed the money had left my account there. 
I contacted the receiving bank ( XXXX XXXX ). They could offer no assistance. 

Binance.US only responded once. That was on XX/XX/2021 ... the day of the initial complaint. They asked for the reference number of the transaction, which I provided. Thanks
Consumer complaint received 2020-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

My township has returned over-payment of property tax to NewRez LLC on XX/XX/2020, the check was cashed on XX/XX/2020. I called NewRez LLC numerous times. Nothing is updated. I have NOT received the refund either.
Consumer complaint received 2020-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST CITIZENS BANCSHARES, INC. (MO)

Hello there, I signed up for a promotion that was mailed to me from First Citizens Bank. I am a resident of the state where the bank resides as well. 
The promotion was, " Earn {$300.00} when you open a Free checking account bundle and complete the following requirements : Establish a direct deposit of at least {$1000.00} per month OR make 10 debit card transactions within 90 days of account opening Enroll in eStatements Open a new savings account Within 120 days after all qualifiers have been met. The account must be open and in good standing at the time the bank credits the account. 

I have met all the qualifications. I opened my account in XXXX and met all the qualifications by XX/XX/XXXX and I haven't received the bonus. I called the bank three weeks ago to inform them of this and they haven't returned my phone call. 

I can provide my banking information to the company separately.
Consumer complaint received 2021-03-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRST HORIZON BANK (GA)

I applied for a refinance with Iberia Bank. I was told that I was locked into a 3.375 % interest rate multiple times by XXXX XXXX. I signed the disclosures and provided information for appraisal to be ordered to move the process forward. Two days later XXXX ( who previously was so anxious to talk and text ) sent an email stating that she actually hadn't locked the rate and it had increased to 3.875 %. This equates to $ XXXX per month, $ XXXX more annually and over $ XXXX more throughout the life of the loan. While I understand mistakes happen this is one that is completely within Iberia 's sandbox and I shouldn't be penalized from a financial perspective.
Consumer complaint received 2020-07-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (VA)

My statement for XXXXSynchrony Bank account ending in XXXX shows a {$1200.00} interest charge on XX/XX/17. The agent stated that once the promotion was up, I was charged interest for the full previous year. I've never heard of this. Usually your promotion is up and interest STARTS at the month the promotion ends. So i had a $ XXXX balance and was charged {$1200.00} in interest?
Consumer complaint received 2021-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC. (GA)

Its so much on my credit report that I dont know where to begin. From XXXX up to this year XXXX. I didnt know that the debt that was owed was on my credit report. I didnt receive the notice on most and some I did but I didnt know I could dispute it. I also tried contact XXXX XXXX XXXX to dispute the fraudulent transactions they have reported in XXXX or XXXX at that time I was XXXX XXXX and going through a tough time on life when I was physically XXXX due to XXXX. And the other years I was XXXX  to XXXX  and XXXX  physical and so much.
Consumer complaint received 2019-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

Denied credit by XXXX XXXX MC ref. # : XXXX based on 4 different reasons & " NO SCORE Available '' from XXXX ! I couldn't get  logged online at XXXX, so I then called XXXX spoke with two repres., a supervisor from the XXXX  , got nowhere, asked for a US supervisor got XXXX in XXXX  ID number XXXX who was difficult, sarcastic, and uncooperative. He asked me to read the XXXX letter to him over the phone. I filed a complaint with XXXX because his supervisor he said was at corporate HQ only! After being frustrated by his lack of cooperation & smug attitude I simply requested a copy of my report to be sent to me. I then went online to Experian, logged on without a problem, noticed that the info on me was wrong, incomplete, & misleading! The disputes I had made with them previously were confusing, incomplete, and Wrong! There were NO OPINIONS On their website to follow up and request corrections! My Employment at XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, are ALL Missing! A credit dispute with XXXX appeared as Deleted without the $ 10,000+ business paid them. I can go on! So I just requested a report to be mailed to me. They all are slanting info I favor of THEIR CUSTOMERS NO WE THE CONSUMER! We have to play and get sucked into their compound interest current credit/monthly payment game to get a higher score just so they make money! 50 years of great credit doesnt matter! Ah, I see you were 30 Days Late 5 years ago! Yeh but I was T-boned by a XXXX XXXX XXXX who XXXX and nearly XXXX   XXXX, XXXX XXXX. Refused to pay me a dime! Im XXXX XXXX XXXX now, spend XXXX XXXX of my life in bed, in pain, on   XXXX, and cant sleep! Im having to fight with these credit bureaus again and again Until they get it right? Instead of bombarding Us with their latest marketing make money schemes, get it Right, cuz This is WRONG!!! 
Im contacting my Senator XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX! Hopefully they arent too busy trying to Impeach the White House to get anything we need accomplished! This is WRONG!!!
Consumer complaint received 2021-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I noticed two {$3.00} fees attached to interbank transfers I made. I have transferred funds between these two accounts many times in the past and have never been assessed a fee. When I brought this to the attention of an online rep, I was put on hold for over 10 minutes and then told that she could not help me. I asked for a supervisor to contact me. She asked for my phone number, which I gave her. No one ever called. So, to summarize, I was charged {$6.00} in bogus fees and no one at customer service could reverse them even though the rep admitted that were not appropriate charges. I got stuck on hold for a long time, told I couldn't be helped. It was suggested to me that I go to a branch. I suggested that a supervisor call me which I was promised. No one called. Looking at the amount of complaints from consumers against 5th 3rd, someone ought to step in and give these crooks some negative consequences. It's shameful.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-08-21
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have been a long time Capitol One customer ... a Veteran of the XXXX XXXX XXXX .... with good credit ... ZERO late payments until now ... .I lost my XXXX XXXX XXXX job due to the Covid -19 pandemic and other medical issues at the end of XXXX due to XXXX  and quarantined for well over 2 months ... .I just started getting my unemployment a week ago due to backlogged claims in Colorado. Capitol One has been working with me to temporarily postpone payments until I get financially stabled due to the pandemic. I called and was told that my payment was taken care of for XXXX and XXXX ... ..I received notifications when I was well enough ( still sick..mind you ) to check my email ... ..and noticed one of my credit cards was past due. I called immediately to address the issue. The Capitol One representative apologized and took care of the payment suspension and was told that my payment would not be reported late to the credit bureau ... .One week into the month of XXXX I got notification that I had a 30 day late payment on my credit report ... .Dropped my credit score 50 POINTS ... .I have since tried to correct this payment issue and received another notification that it was 60 DAYS..Crdit dropped 100 points! ... I have since paid the past due amount.. ( now getting unemployment ) ... This has been a disaster. Please Help!
Consumer complaint received 2020-07-20
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. (IL)

Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. U S DEPT OF EDXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX gave me two letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX My name is XXXX XXXX XXXX My phone number is XXXX
Consumer complaint received 2017-03-17
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (GA)

My wife keeps getting harassing phone calls on her cell phone from Diversified Consultants, Inc. We do not owe any debt yet they keep calling her despite being told that she is not the person they are trying to contact!!. Now they are even calling her cell phone!