davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

I can not get them to tell me the correct number of payments I've made toward Public Service Loan Forgiveness. I have two " loan sequences '' that should reflect an equal number of payments, but one sequence is one payment off from the other. A couple years ago they were 7 payments off from each other, and their " review '' resulted in that narrowing to a one payment discrepancy. At that time I had tried to get them to resolve it for over a year and they failed to do so. I filed a XXXX   XXXX  XXXX  complaint and they finally addressed it but instead of a 7 payment discrepancy, there was one. I have been trying to get them to correct this one payment  discrepancy since XX/XX/XXXX, so 13 months now. These are notes of my attempts to get an answer, including employee name and number : XX/XX/XXXX : XXXX XXXX, She said she will send back to processing for review and it will take 3-6 months. XX/XX/XXXX : XXXX - XXXX - no turn around time, up to one year to complete review, no guarantee about timeframe ; are backed up. XX/XX/XXXX : received letter that showed 86   qualifying payments on one sequence ( other sequence from last count said 85, so problem still not resolved ) XX/XX/XXXX : I called and spoke with XXXX XXXX - said something about overpaying by penny throwing off the count. He said he would have someone review it and get back to me through another letter. XX/XX/XXXX : XXXX XXXX - Matter is under review for an indefinite period of time and I will be getting " a detailed letter and phone call '' with the results of this new review. XX/XX/XXXX, XXXX - XXXX XXXX XXXX : One payment discrepancy still under review. Continue to submit employment certifications. XX/XX/XXXX, XXXX : I emailed asking them to provide an update on my request to have my number of payments discrepancy sorted out so I know how many qualifying payments I have made. XX/XX/XXXX, XXXX : I received a reply email stating, " We apologize for not yet being able to provide you with the number of qualifying payments made toward Public Service Loan Forgiveness ( PSLF ). Since each account must go through a detailed review process, providing you with these details can sometimes take a great deal of time. '' As of XX/XX/XXXX monthly billing statement, the discrepancy lingers, showing 98 qualifying payments on one sequence and 97 on the other ( see attached statement ). A couple days ago I filed another XXXX complaint, and today received a response from the XXXX that they can not assist, and directed me to the CFPB.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

There are several accounts still reporting on my credit file that doesnt suppose to be there. I disputed prior and didnt receive information I requested. I would like the followed accounts disputed and removed immediately. After disputing please send me the source and the method of verification showing the date and time the account was verified. Also include contact information on the source of verification for the following accounts : XXXX account was suppose to removed XXXX agreed that this account would be removed due to it being inaccurate XXXX XXXX inaccurate account, account was suppose to be removed last year for inaccuracies XXXX XXXX - there were unauthorized charges in this account and XXXX was XXXX of it and a police report was sent. All of this happened prior to XXXX buying this account in 2022. XXXX never verified that they owned this account either. Please remove this account immediately.
Consumer complaint received 2022-09-14
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY (MO)

regarding my recent late payments in relation to my medical issues. 
I am requesting late charges be waived and removed from my account. 
And also removed from the consumer reporting agencies. I would like to have my minimum payment amount lowered. 

Respectfully, XXXX XXXX
Consumer complaint received 2024-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CrossCountry Mortgage LLC (FL)

IN XX/XX/XXXX, I SEND A CHECK # XXXX AMMOUNT OF {$1200.00} TO COVER THE PAYMENT FOR XX/XX/XXXX AND XX/XX/XXXX. CROSSCOUNTRY INSTEAD OF PUT THE PAYMENT WAS REQUEST VERY CLEAN ON MEMO OF THE CHECK. THE CROSSCOUNTRY PUT THE PAYMENT FOR MORTGAGE PRINCIPAL, CAUSING ALL THIS PROBLEM. 

I HAVE CALLED SEVERAL TIMES TO FIX THE PROBLEM AND SENT A COPY OF THE CHECKS, PAYMENTS. 

XXXX AND XX/XX/XXXX - PAID ON XX/XX/XXXX CHECK NUMBER XXXX ( AMOUNT OF {$1200.00} ) XXXX - PAID ON XX/XX/XXXX CHECK NUMBER XXXX ( AMOUNT OF {$640.00} ) XXXX - PAID ON XX/XX/XXXX CHECK NUMBER XXXX ( AMOUNT OF {$640.00} ) After several calls to Crosscountry Mortgage, I thought the problem was resolved until I received a validation of debt letter.
Consumer complaint received 2021-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Spoke with several times over the previous 5 weeks about account being reported as 30-59 days late for XXXX. Account was changed to good standing but XXXX late payment is still on credit report so the underwriters on our mortgage want it fixed in order for my mortgage to go through.
Consumer complaint received 2021-04-02
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: GOLDMAN SACHS BANK USA (NJ)

I'm filing for a complaint against Marcus by Goldman Sachs for : 1. Deceptive practice : Set higher rate 1.85 % APY CDs to auto-renew on XX/XX/2021 at a much lower rate of 0.55 % APY by default without customers ' clear understanding and explicit consent, and without adequately communicating to customers what to expect after auto-renewal ( e.g. the new APY, early withdrawal fees ), especially during the pandemic when we need the liquidity 2. Unreasonably high fees : Even though starting from the renewal day XX/XX/2021 we only earned ~ {$50.00} interests on the renewed CD, Marcus wants us to pay ~ {$600.00} to break this CD, which we didn't intend to or explicitly consent to have it renewed in the first place since we need liquidity 3. Not treating customers equally and fairly : On XX/XX/2021 when I called Marcus to get it corrected and resolved since I did not receive any communications and was not aware of the auto-renewal ( I normally receive communications on statements, rates, etc. ), Marcus claims they sent my husband communications. Upon checking, my husband  received just 1 email on XX/XX/2021 regarding the renewal, which contains no information on APY, nor information regarding early withdrawal so it didn't draw his attention at the time. However, as the equal joint owner I received no communications whatsoever on such an important topic, if I had received the same email ( even though it contains inadequate information ) I would have taken actions to stop the auto-renewal since I manage our households financials. Marcus claims my husband is the " primary owner '', but legally I have joint ownership and should have the right to be treated equally and fairly, e.g. be notified of important account changes.
Consumer complaint received 2022-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (WA)

I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!
Consumer complaint received 2021-09-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Santander Consumer USA Holdings Inc. (FL)

When loan was negotiated to be settled, it was done with a balance that miraculously took a {$1300.00} dive shortly after negotiations were done. Now, since Santander doesn't seem to have the ethical fortitude to reach out n revise the settlement based on the money they received for a policy that should've been refunded over a year ago, I am stating the current settlement agreement is fraudulent as it wasn't renegotiated once santander put the {$1300.00} as well be shown by the acct screen shot attached ( which will show this transaction was done 4 months n 8 days prior to the attached settlement date )
Consumer complaint received 2017-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: COMMERCE BANK (MO)

Commerce Bank, To whom it may concern Regarding my recent late payments late payment due to medical issues I am requesting late charges be waived and removed from my account. 
And also removed from the consumer reporting agencies. I would like to have my minimum payment amount lowered. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2017-09-16
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: WELLS FARGO & COMPANY (PA)

XXXX XXXX XXXX XXXX has a collection / charged off account listed on my credit report that is an account associated solely with my XXXX year old son. I have never been on the credit card with him neither cosigned nor used the his card. Both my son and I have unsuccessfully attempted to contact WF to remove this from my report to no avail.
Consumer complaint received 2020-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MD)

I received an airline credit to my credit card account on XX/XX/2020 in the amount of {$11000.00}. I did not owe a balance due so I contacted Citibank on XX/XX/XXXX to request a refund of my {$11000.00} credit balance. I was told I would get the refund deposited to my checking account in three to five business days. It did not arrive. On XX/XX/XXXX I checked on the status and was told it would take yet another three to five business days. I have contacted Citibank numerous times to include on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have called, I have " chatted '' with a representative and have sent emails to the Customer Service executive ( XXXX XXXX ). It is now XX/XX/XXXX and I still have not gotten any of the amount due to me and no one can or will give me a definitive answer as to the payment date. They have held my money for over three weeks now and seem to have no incentive to make the payment to me!
Consumer complaint received 2022-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Synovus Bank (SC)

I RESPECTFULLY ASKED BANK AGENT XXXX XXXX TO ADD UP ALL MY BANK DEPOSITS BETWEEN XX/XX/XXXX THROUGH XX/XX/XXXX I HAD ONE DIRECT DEPOSIT FOR {$840.00} DOLLARS FROM SOCIAL SECURITY ON XX/XX/2022, THEN I HAD ANOTHER DEPOSIT FROM SOCIAL SECURITY ON XX/XX/2022 FOR XXXX. I ALSO ASKED BANK AGENT XXXX XXXX AT XXXX XXXX XXXX BRANCH TO ADD UP ALL MY ATM WITHDRAWALS AND DEBIT CARD PURCHASES BETWEEN XX/XX/2022 AND XX/XX/2022 AND TO PLEASE DEDUCT AND PUT A TRACE ON ALL TRANSACTIONS AND SUBTRACT THEM FROM ALL DEPOSITS TO RECEIVE THE AVAILABLE BALANCE, BUT XXXX XXXX THE AGENT AT THE XXXX XXXX XXXX BRANCH IN XXXX SC REFUSED TO HONOR MY REQUEST SO I FILED THIS COMPLAINT? I ALSO HAD A DEPOSIT OF {$540.00} ON XX/XX/2022 AND I WOULD LIKE TO ADD FROM LOOKING OVER THE BANK STATEMENT THAT AGENT XXXX XXXX GAVE ME FOR XX/XX/2022 THAT A CHECK WAS WRITTEN FOR {$400.00} DOLLARS CHECK NUMBER XXXX FROM MY CHECKING ACCOUNT ENDING IN XXXX, I TRIED TO EXPLAIN THAT I DID NOT WRITE THE CHECK FROM MY BUSINESS ACCOUNT BUT THE BANKING STAFF WOULD NOT LISTEN TO REASON?
Consumer complaint received 2023-11-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA (CA)

On XX/XX/23 submitted an application to be placed on an income driven repayment plan. Was placed on one that was still not within my affordable budget. Now I have a larger payment than before and are placed back on the standard, level payment plan.
Consumer complaint received 2022-08-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

1. XXXX XXXX Account Number : XXXX Bal : {$4900.00} 2. XXXX XXXX XXXX Account Number : XXXX Bal : {$300.00}
Consumer complaint received 2020-11-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (WV)

I went to XXXX XXXX  to have XXXX  work done on XX/XX/2018. They had me wait for the doctors approval and the insurance to be approved. I know this because I was waiting in the procedure room ( not the waiting room ) and the doctor came in numerous times to inform me they were still waiting for the approval. This took approximately 90 minutes. The XXXX  work was performed and I left the establishment. Weeks later I received a {$810.00} bill for the XXXX  work that was performed. I immediately called my insurance company and XXXX XXXX. My insurance company informed me that they did not ok the procedure and do not except XXXX XXXX bills. XXXX XXXX  informed me that since my insurance did not cover the procedure I was responsible for the bill. I have written numerous letters explaining my situation to both XXXX, my insurance company and the collection agency with no response except from my insurance agency which told me XXXX should have never excepted my insurance. 
This sounds like entrapment or fraud or both. Why would they make me wait 90 minutes to get the approval of my doctor and my insurance company then turn around and have it denied? Why would I be responsible for their mistake by excepting my insurance? This bill is now in the hands of CCS ( Credit Collect Services ) and has effected my credit score.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX is currently reporting 2 mortgage accounts on my credit file. Both are showing 1 late payment but each account is reporting a different date. I have already provided written proof to XXXX via mail and fax several times last year trying to correct/remedy the situation. 

Current mortgage account : XXXX XXXX- this account was not opened until XX/XX/XXXX so it should not be reporting any late payments in XX/XX/XXXX or anything prior to XX/XX/XXXX. 

Previous mortgage account : XXXX XXXX- this account transferred XX/XX/XXXX to XXXX XXXX- this account did not have any late payments and based on the incorrect reporting on both accounts it further validates my claims that XXXX is erroneously reporting inaccurate information on my credit file. 

I have attached my bank statements that further support my claim ( the payments are highlighted in yellow ) : XX/XX/XXXX - payment made XX/XX/XXXX XX/XX/XXXX - payment made XX/XX/XXXX XXXX XXXX - payment made XX/XX/XXXX XX/XX/XXXX - payment made XX/XX/XXXX I have written to XXXX  several times with no response showing the conclusion of their investigation as well as no additional info about my supporting docs.
Consumer complaint received 2017-09-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX was told to remove info. they passed the buck onto XXXX. XXXX refuses to budge. 

FCRA- " NEW '' accounts need verification. My accounts are hardly new. In fact over 25 years old. request for info to update database based on my blood type etc. is HEREBY DENIED. 

EACH AND EVERY REPORT GIVEN has not had the demanded dispute letters, emails, etc. I have not gotten phone recordings, etc. PUSH BUTTON mechanics. NOTHING RESOLVED. I AM  ESCALATING CLAIM. 

NOTHING IS GETTING REMOVED. I SAID TO SUPPRESS THE INFO. I SAID I DIDNT WANT MY INFO STOLEN. NOBODY GIVES A FLYING XXXX. EVEN if addresses are OVER TEN YEARS OLD. INFO SHOULD NOT BE ON MY FILES ANYWHERE. FILES SHOULD NEVER BE CONNECTED to the internet ( EQ ). 

I DENY any right to waive lawsuit. I INSIST ON SUING for damages due.
Consumer complaint received 2023-04-03
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: NCB Management Services Inc. (NY)

Disputed NCB Management Services account serveral times with XXXX for reporting inaccurate information, not verify debt, double reporting same account on credit report labeling one account as collections and the other account as a current debt with original creditor as XXXX XXXX XXXX and XXXX with different debt amounts. The reporting year is also inaccurate causing the two accounts to appear on report beyond statute of limitations which would end XX/XX/XXXX not XX/XX/XXXX. I was not given any results or verification of debt after any of the disputes. There is a dispute statement listed which I did not provide.
Consumer complaint received 2021-09-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (NC)

On Thursday, XX/XX/XXXX, my husband walked into Wells Fargo at XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX , to try to close all accounts, including checking, savings and overdraft accounts. We have moved to a credit union in recent months because of the very poor service with Wells Fargo. To note, we have been clients since 1989 with the same account number. We are now not keeping their required amounts in the accounts to avoid being charged every month. They there one account into the negative with their charges which prompted my husband to go to close it. We will be out of town for several weeks ( as we are partially retired and can travel at leisure ) and it is not convenient to come back in two weeks. Furthermore, we feel it is ridiculous that a {$1.00} trillion bank can not close our accounts when we walk in the door and have time to wait. Please help us get this closed.
Consumer complaint received 2021-06-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (IL)

There were fraudulent charges on my checking account. I disputed them with my bank ( XXXX XXXX XXXX ), they were then reversed and my debit card was cancelled. I thought at that point every thing was fine and taken care of, but the merchant ( XXXX ) has since sent my information over to a collection agency ( Transworld Systems ) and now they are sending me letters to pay for charges I did not incur.
Consumer complaint received 2021-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have a large delinquent balance that is being addressed during my divorce. It should total around $ XXXX in cc charges. I noticed several months ago XXXX is reporting my delinquent amount as $ XXXX! They are reporting the original account AND the purchased account from the debt collector doubling everything that appears on my report. XXXX is starting to do it as well. Once the account is purchased by the debt collection company it is no longer delinquent with the original creditor and therefore should switch the original account to closed not delinquent. I have reported and requested more than once for this to be corrected. I also requested a refund for some profile fees XXXX charged me that I was not aware of and then could not investigate since they locked down my account and it took me three days and 8 hours of phone work to get a human on the phone. This is ridiculous! 
* XXXX also had me locked out of my account for months with no resolution until I sat on the line for hours on end waiting for an agent to assist me. 
It is unbelievable that these companies are in charge of our lives and yet get away with shady practices, mistakes, stealing- and they aren'y even secure, I should have stacked up a few more years of identity theft protection VIP services because I have been included in so many hackings through the credit bereaus. By the way, if I read the history correctly no one legally appointed these businesses to the throne they anointed themselves the keeper of all the knowledge. In my book, without my permission, they are essentially the biggest identity theft hackers and stalkers in the world, I want my private and confidential information removed!!! I do not trust these crooked corporations! 

And finally, they all show us a number sometimes two when we log into these credit profiles. These numbers are supposed to represent our credit scores. Except, these three almight big brothers can't agree with each other what our scores are, AND ON TOP OF DISPLAYING ALL DIFFERENT RANDOM NUMBERS, when you try and purchase say a car, the loan agent comes back with yet a different number that supposedly is your real credit score, it's always lower than what you have been told, and no one knows why. 

Lastly, Experian 's BOOST PROGRAM is a scam. None of the " boosts '' they found on my account were ever actually applied to my score positively or even showing on my account as far as I can tell. that is flat out fraud and disception.
Consumer complaint received 2017-09-14
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. (TX)

Dpt Treasury Closed ReportedXX/XX/XXXX XXXX XXXX Closed Reported XX/XX/XXXX Us Dept Vets Closed ReportedXX/XX/XXXXUs Dept Vets Closed Reported XX/XX/XXXX Us Dept Vets Closed ReportedXX/XX/XXXX XXXX {$340.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$390.00} OpenedXX/XX/XXXX XXXX XXXX {$640.00} OpenedXX/XX/XXXX