davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ascendium Education Group (IN)

On XX/XX/XXXX I received a settlement offer from XXXX XXXX XXXX, on behalf of Ascendium offering to settle my student loan debt for {$6500.00}. Check was mailed on XX/XX/XXXX and was accepted/cashed by XXXX. On XX/XX/XXXX I am in the process of purchasing a home. The Loan Officer called me to say that the Department of Education is reporting that I still have an outstanding student loan in the amount of {$8000.00}. I called the DOE and was told they couldnt tell me anything because the loan had been placed with an agency, the XXXX XXXX XXXX XXXX XXXX XXXX. I called them on XX/XX/XXXX and was given voice mail, where I left a message. I called back later that day after not receiving a call back. I was sent to voice mail again and left another message. They were then closed for the weekend. On Monday XX/XX/XXXX I called and was given voice mail again. I left another message. I called a second time that day after receiving no call back and was transferred to XXXX, who told me he couldnt access my info and he transferred me to another office. I got voice mail again. I left a message. I received no call back so I called yet again. I told the receptionist that I really needed to speak to someone. She transferred me to voice mail AGAIN and I left another message. Im getting no help from this agency and cant even speak to someone about how to prove that the debt is paid. The Department of Education isnt helping at all either. This is keeping me from getting a home.
Consumer complaint received 2017-08-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CO)

On XXXX XXXX, 2017 I submitted a signed annual Public Service Forgiveness Employment CertificationForm and called FedLoan to confirm my form was received. I was told it takes 10 business days to process. Approximately 10 business days later I called to get a status on my form. I was told it takes 15 business days and to call back and check the status again. I then asked to be transferred to the department that handles the processing of this form. The person I spoke to in the department said she looked at my form and that everything looked good and that it could take a few more business days to process. On XXXX XXXX, 2017 I called again to check the status. I was told by the person that answered the phone that it takes up to 60 business days. I asked to be transferred to a supervisor to get clarification on why the timeline processing keeps getting changed. The supervisor I spoke to looked at my formand said that on Section 3 number 3, I did not input the city and state of my employer. He asked that I resubmit this form with the city and state in that section even though it already contained street address and zip code. I then asked him if the city and state could be derived from the zip code that was in the form of that section. The supervisor told me the zip code did not matter. After getting off the phone I tried to utilize their automated system to complete this section but it did not allow me to enter city and state. It only allowed me to enter street address and zip code. I called again the same night and spoke with XXXX ( employee XXXX ) and asked if I could transfer to someone that works with processing the form I submitted. She refused to transfer me and said no one from that department takes phone calls. I then asked to be transferred to a supervisor. She also refused and said that everyone went home and I would have to try again the next day. I tried explaining my situation with entering the city and state and she said that I had to do what the supervisor said to do on the previous call. I continued to explain that their automated form did not allow me to enter city and state. She refused to try and help me. Her only advice was to print and write city and state on the form and resubmit. I took her advice and wrote in the city and state in that section and resubmitted the form. I feel that the form is still going to be found unsatisfactory even though I have done everything they have asked me to do. They are finding reasons not to process my paperwork in a timely manner.
Consumer complaint received 2020-10-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been sending dispute letters for 4 months now and requesting verifiable proof in regards to 2 accounts under XXXX. XXXX/XXXX/TransUnion are reporting inaccurate information and they must delete the items in questions. Failure to investigate and remove the inaccurate account is causing great stress to me and my family. I read somewhere that it only takes 20 or 30 days to investigate this matter. More than 40 days have passed and nothing from this company.
Consumer complaint received 2017-08-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (GA)

FedLoan Servicing has me for a balance of {$200000.00}. I have tried numerous times to get Loan forgiveness as I have been XXXX for the past six years in XXXX XXXX XXXX that are eligible for the loan forgiveness program. I have tried to get my payments reduced based on my income also and each time I get a much higher payment than before. I have both a mortgage and rental expense at this time in order to move closer to work to make a living. I am also a single mother trying to take care of my child. They have now put things on my credit report. I do not know what else to do while I am trying to get it reduced. Can someone help.
Consumer complaint received 2020-05-22
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: U.S. BANCORP (CA)

XX/XX/2020 Redeemed XXXX points from my US Bank XXXX XXXX for {$800.00} to be deposited into my US Bank Checking Account Week of XXXX Called Customer Service line to inquire on why redemption hasn't deposited into my account yet, all under the same name. 

XX/XX/2020 Called again and was escalated to a manager, was explained nothing can be done while a separate team, where I can't contact, will look into it. 

Close to three weeks wait for a rewards redemption is unreasonable. At the same time, my annual fee just posted, at least that works. It feels like my redemption is being held hostage and I'm forced to pay the annual fee whether I want to continue the card or not.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (TX)

Account showing incorrect balance. No update since XX/XX/2022. Contact institution as a courtesy to update my credit reports. Was told this is only down every 3 months or so for installment loan. I have significantly paid this loan down from {$10000.00} to just over {$5700.00}. Institution told me to file a dispute.
Consumer complaint received 2020-10-21
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: Resurgent Capital Services L.P. (NJ)

There are 2 fraudulent Collections on My Credit Report that are still  reporting. They are LVNV Funding, and XXXX XXXX. These collections are not associated with me, and I shouldnt be held liable for them. Please see the attached FTC report and remove them immediately.
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX is reporting a collections account to my credit file that has nothing to do with me. The date of birth connected to this collections account is XX/XX/XXXX and my date of birth is XX/XX/XXXX. I have contacted XXXX XXXX XXXX on numerous occasions to have this resolved to no avail. I spoke with extension XXXX XXXX XXXX XXXX and she assured me that this would be removed and to date it havent been resolved.
Consumer complaint received 2017-08-08
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. (FL)

I sent several requests to Equifax in the past 10 months asking them to correct the remarks in a closed credit card from creditor XXXX XXXX XXXX. Equifax continues to show the remarks in the account as charged off and refuses to indicate that the account was paid in full. I asked them to contact the creditor and they do nothing. I want the remarks changed and since the account was closed many years ago to be removed from my credit report. The creditor can be contacted at XXXX / XXXX
Consumer complaint received 2022-04-05
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. (FL)

I have never submitted any written consent for a bankruptcy to be reported on my credit report. I asked all three credit bureaus to remove this information as it is in direct violation of my consumer rights and severely affecting my ability to live. With countless attempts to address this issue, the credit reporting companies continue to ignore my concern and abuse my rights. They claim the account is verified by XXXX XXXX and the district court but I have a letter from both stating is not reporting a bankruptcy or they do not provide such information. The three major credit reporting companies are unwilling to cooperate with the laws given to US citizens.
Consumer complaint received 2021-03-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (GA)

American Express Bluebird has a serious security flaw with their prepaid cards. My account and my husbands account has been depleted from funds in different states without the physical card. American Express receives your complaint and then tells you it will take up to 45 days to complete the investigation. This is ridiculous, but thankfully I am only adding a little bit of money at a time to my card, {$200.00}, but enough for me to now write a formal complaint. I have not been receiving text transactions like I am set up for, and nor did I notice the charges that seem to be done here and there to avoid being caught. Amex hires people from the XXXX to handle all calls, including fraud calls, who have no experience with this type of thing nor do they seem to care. My account was charged, w/o the physical card in XXXX and Illinois since XXXX. My husbands card was also compromised and was used w/o the physical card at a XXXX XXXX in North Carolina last year. Once I submit my claim to Amex Express, I am never using this card again, and if they are going to pretend to be a financial institution, there should be proper protections put in place to avoid these fraudulent transactions, and they should not take up to 45 days to investigate a fraud complaint. Thank you.
Consumer complaint received 2021-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed a collection account from XXXX for {$1800.00} with TransUnion and XXXX  and it was deleted in my credit report in XX/XX/XXXX. After four months, I have pulled my credit report and the same account was re-inserted back to my credit report. I have never received any notification from them after they put it back in my credit report. That is clearly breaking the law. There are also no proper documentation that was provided to me proving I owe the account. I have sent letters to the credit bureaus regarding this matter on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and I have not received anything from them.
Consumer complaint received 2020-09-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Neon Newco Corporation (OK)

Consumer 's Original Complaint : I have been with this bank for over 10 years. m=My account was closed due to compliance rules before my direct deposit posted without prior notice. 
checking account ending XXXX   savings account I am a retired XXXX veteran and my checks are protected. I have to go through alot of red tape due to the epidemic that is going on most government agencies are not fully staffed. This is unbelieveable and is not an easy fix.
Consumer complaint received 2021-04-26
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (CA)

I have a federal student loan and I'm making payments of about {$700.00} per month. They're charging interest at the original rate of 9 %, which works out to about {$150.00} per month. It's my understanding that interest should not be accruing due to presidential orders. Navient has charged me a total of {$2700.00} in what I believe to be illegally obtained interest since XXXX of 2020. They are taking the position that my federal student loan doesn't qualify for the national, president-ordered interest rate pause. 

Please publish this. One way or the other, people should know.
Consumer complaint received 2017-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Navient Solutions, LLC. (OR)

In 2014 I attempted to get a deferment on my student loan as I was not making enough moment each month for regular repayments. I had gotten several deferments for forbearance for the same reason over the years. Eventually I did get the payments deferred, but I have a " late '' payment in XXXX 2014 on my credit report. It dragged my credit score down XXXX points and now I have trouble getting apartments and believe it will cause me problems if I attempt to purchase a car or home.
Consumer complaint received 2021-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Resurgent Capital Services L.P. (GA)

LVNV Funding LLC at XXXXXXXX XXXX XXXXXXXX XXXX, SC. XXXX has been sending me collection notices in the amount of {$700.00}. The collection has been reported as past due. I do not know this company. I have never done business with this company. This company does not have a contact with my signature.
Consumer complaint received 2017-06-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (TX)

This card was sent to me for no reason while I was waiting for my unemployment prepaid card to come in the mail. It has the brinks logo and a website and all kinds of information that looked like a real business. Come to find out it was sent to me to activate by giving them my social security number. The card had {$0.00} on it, but upon activating and checking the balance I owed them a lot of money which I was supposed to pay immediately by putting money on the card. I called the Texas  Work Force c ommission and they told me that is not their card. I called the number on the back of the card  XXXX , and the customer service told me that I needed to pay the fees I told him I wanted to deactivate the card he was trying to get me not to, but he told me he did deactivate it then hanged up on me. They have my SS # and I 'm very scared that I just got scammed.
Consumer complaint received 2020-09-20
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: SYNCHRONY FINANCIAL (MD)

I visited XXXX XXXX   XX/XX/XXXX. I was charged in advance {$2300.00} for a dental procedure scheduled for XX/XX/XXXX. Over the next 6 months, I paid care credit {$410.00} per month. On XX/XX/XXXX, XXXX XXXX cancelled my procedure. By XX/XX/XXXX, I realized I was never refunded for the procedure. I sent the doctor an email requesting a refund. I got no response. I called care credit and asked how to file an appeal for a refund. I received a response back that said the appeal will be reviewed allow up to 60 days. They will send me a letter with their decision. After 60 days, I received no letter or refund. I called my bank XXXX XXXX to help me on XX/XX/XXXX. They did. On XX/XX/XXXX, I received a credit on my care credit card for {$2100.00}, I called care credit and asked them if the appeal was complete, and if so why is my refund {$200.00} short. I was told they could not explain to my why over the phone, look for a letter explaining why in the mail. The letter arrived. I have called care credit 4 times requesting a letter or explanation. I even called ( XXXX ) and spoke a manager name Ms. XXXX.on XX/XX/XXXX. I pleaded with her to please fax me over something to help understand what is going on. She told me they could not fax anything, they will send another letter for the 4th time.
Consumer complaint received 2023-03-10
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: WELLS FARGO & COMPANY (VA)

On XX/XX/2023 a {$130.00} charge was discovered by me that I did not authorize from XXXX. I reported this to Wells Fargo right away and my card was given a temporary/conditional credit. Later, I was able to get XXXX give me credit so I then contacted Wells Fargo and told them that XXXX gave me a credit of {$130.00}. Wells Fargo then reversed the temporary/condional credit ; however, they actually manually added a second charge for the {$130.00} from XXXX. The bottom line is, for XXXX purchase of {$130.00}, I have been charged XXXX times on my Wells Fargo account and credited only twice ( once by Wells Fargo and once by XXXX ), leaving an inaccurate of {$130.00}. I have been fighting with Wells Fargo about this issue since the beginning of XXXX. I have written letters and spent countless hours on the phone with the fraud department, credit dispute department, customer service, and even took my issues to a brick and mortar facility on XXXX VA. Every person either says they see the issue, or they are not looking at the entire account so they think I have been properly credited when in fact, I have not been. I am very distraught about this because they will not remove this fraudulent charge from my account and I am afraid my near perfect credit score will be in jeopardy.
Consumer complaint received 2020-05-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC (FL)

I received loan for Mariner Finance. I believe that I made all the payments but now I am being told that I owe the entire amount of the original loan. It is now being reported as such. I believe that I am a victim of predatory lending practices. I believe that there was a small undisclosed amount left with the loan and the attached fees and interest until the amount was in the amount of the original loan amount then they reported it to the credit agencies. I attempted to review my account through my online account with Mariner Finance and see no records of prior loans or payments made. I am trying to take care of the amount I  actually owe with the company. I made payments for the time agreed upon. I was only notified that I owed the entire amount of the original loan.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OR)

A new car was purchased and in that agreement there was a vehicle traded in. The loan held by XXXX XXXX for the vehicle traded in was paid off in full and a refund issued for the overpayment. The dealership later decided that they made a mistake in the deal with the new transaction. When I refused to accept different terms ( high interest rate and cost ) they retroactively reinstated the original loan on the vehicle that was traded in. That vehicle was already in their possession and remained in their possession at all times. I asked for paper work proving that I agreed to start a new loan ( since the previous one was paid off ) on the vehicle I had traded in and they ignored all request. XXXX XXXX showed the loan as paid and I was unable to make payments if I wanted to. When I asked XXXX about it, they said it was an issue with the dealership and I had to take it up with them. The dealership, XXXX XXXX XXXX out of XXXX, Idaho, refused to provide any documentation for what they did. They held the car the entire time as well. They eventually reported it as a charge off which caused me to lose almost XXXX point on my credit score as well and reduction in credit lines with credit cards I already have. They still are refusing to provide any paperwork showing they were authorized to do this.

The vehicle transaction occurred in the company name but I was a personal guarantor
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (GA)

Santander Consumer reporting to report as of XXXX XXXX. I was a named plaintiff in the Santander multistate lawsuit. They are not allowed to report on the accounts from XXXX - XXXX. I am asking to have the late payments removed from my credit. I opened a dispute and they chose to update information rather than delete. 
Please remove late payments and the account from my credit file with Santander Consumer USA.