davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (OH)

On XX/XX/XXXX, I tried to access my XXXX XXXX XXXX XXXX card account to pay my bill. I was unable to do so, as the system would not accept my password and required the password to be reset using a verification code sent to me via phone. However, neither of the phone numbers listed was correct. I called the phone number provided on the computer screen and was connected to the XXXX XXXX Fraud Department. I gave them my new phone number but was told that they could not use that phone number to send me my code. Since I was unable to get into my account online to pay my bill, I went to the XXXX XXXX location in XXXX, Ohio, on XX/XX/XXXX and paid my bill there. I received a paper receipt verifying my payment of the total balance of {$110.00}. I called XXXX XXXX on XX/XX/XXXX to verify that they received the payment, and was told that they had no record of the payment, and that it may have gone through at the store but that they did not receive it, and that my account was still showing a balance of {$110.00}. I have attached a copy of the payment receipt I received.
Consumer complaint received 2017-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (TX)

I have noticed my payments with Wells Fargo were not completely reported to XXXX. 
I wrote Wells Fargo a letter in regards of the problem. I received a respond from Wells Fargo and it stated, that the information was sent to the consumer credit agency was accurate. I called XXXX to informed about the respond I had from Wells Fargo. XXXX keeps telling me to call Wells Fargo. But when I called Wells Fargo I was told XXXX needs to fix it.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I was terminated from my job since XX/XX/23. I took out insurance for insurance for XXXX and unemployment. The XXXX XXXX agent XXXX, XXXX XXXX XXXX office told me that i have to keep making payments until the claim kicks in. She says I can make a minimum of {$240.00} and i would not get reported negative to credit bureaus. 
Accordingly, i am required to sign a deferred agreement. I did that on XX/XX/23 and made the required payment which I have proof of. They cant find a copy of the agreement so corporate office reported my account delinquent with the credit bureaus.
Consumer complaint received 2020-05-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (IL)

Over 15 years ago I got a phone from my sister it hardly worked I called and told XXXX XXXX XXXX too turn it off. I was told the phone was not in my name and XXXX XXXX XXXX refused to turn it off even though I stopped using the phone they Kept charging.I haven't had contact with no collection agency.So I don't know why this is still on my report after so many years.The only way I know about this is because it's on my XXXX XXXX.No one contacted me about this bill.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MO)

I make a monthly payment for credit monitoring service and credit score that i cant even see that i been having problem with this company for 3 years with and there services continues to give me the same problem over and over even when they say they have investigated what they said they fixed but still nothing.
Consumer complaint received 2018-03-21
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: JPMORGAN CHASE & CO. (GA)

On XXXX, an unauthorized charge of {$440.00} was made to my credit card account. I called Chase to file a dispute on the amount, which they said they were going to investigate ( I imagine because I told them I knew who did it, that my dispute must have been redirected to a department that does not care, I'll explain more on that later ). I received a letter in the mail 2-3 weeks later asking for more info, which I believe I then sent through a " secure message '' through their website ( which of course I can't find a record of, as of today XX/XX/XXXX ). I did not hear anything back from this credit card company regarding the dispute. They also reported to the credit bureaus, in late XXXX, the balance on my account that INCLUDED the disputed amount. ( Isn't that against the law? ) A couple weeks later, on/around XX/XX/XXXX, I noticed more unauthorized charges hit my account, so I went to the person responsible, and told me that they would pay me back for the " miss-click '', so I did not file an additional dispute. To prevent future head-aches with this person, I then cancelled the card, thinking that future charges would not go through, as the original dispute was still ongoing, to my knowledge. 

On XXXX, another charge of {$63.00} hit my account, so I called Chase again to figure out what happened. No big surprise here, but I was told that companies still have the ability to charge your account even though my old card was shut down. I then asked Chase to block the merchant from future charges, which they said they would do. 

Then on XX/XX/XXXX, XXXX more charges i/a/o {$170.00} and {$400.00} hit my account again!! I called again on XX/XX/XXXX around XXXX, only to be told that it takes 30 days for a blocked merchant to go into effect!?! I was never told that it would take a ridiculous 30 days to take effect. So I filed another dispute online, including the XXXX charges, plus the previous dispute, for a total of {$1000.00} in unauthorized charges on my account. 

I then receive a voice message on XX/XX/XXXX to call back a man named " XXXX XXXX '', however when I dial the extension number he left, I receive multiple dial tones as if the number is disconnected!! So I call the customer service number, and speak to more unhelpful employees that tell me they do not have a record of my call on XXXX, nor do they " believe that I called ''!!!!??? So, apparently, this time, they put on a block on the merchant ... I'll never do business with this company again and let everyone I know about this unique experience ... Lesson here, never tell dispute departments that you know who did it, otherwise your honesty will backfire!! 

And they accuse me of lying?!?! Their investigative process is a joke ; I guess my account is the punchline ...
Consumer complaint received 2018-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (FL)

I check my account before and after every purchase using their mobile banking app, to ensure i do not incur any NSF or overdraft fee. I do this because i live on a budget and try not to incur extra fees. But i keep getting hit with fees. and when i check my account to see what the fee was assessed for, my account reflects debits to my account that does not show up until the fee is assessed. 

On XX/XX/XXXX, I checked my account. The app showed me an available balance of about {$91.00}. On XX/XX/XXXX, my available balance is about {$36.00}. A difference of about {$52.00}. I don't see any new transactions. Its a joint account so i wait a day for the charges to show up on the app.. Meanwhile I send for and XXXX deducting a total of {$24.00} for the available balance of {$36.00} leaving mt roughly about {$12.00}. On XX/XX/XXXX more debits show up, not equaling the total difference but my available balance stated {$9.00}. I use my card and spend $ ( which should leave me a balance of XXXX cents. On XX/XX/XXXX, I check my account at # XXXX XXXX, I review my transactions, checking to see the amount of my payroll despots so that i may pay my tithes at church. I pay my tithes of {$75.00} dollars at about XXXX XXXX. Later that morning my husband make a few purchases, i check his purchased against the account like i always do. The amount of his receipts match the amount of the debit on my account for his purchases. I check my account again at about XXXX XXXX because i have a debit scheduled to come through the next day, and see that I am hit with an NSF fee for {$34.00}. I check my account and it now shows a debit against my account for {$73.00} on XX/XX/XXXX, with the NSF fee assessed on XX/XX/XXXX. Now their systems has been updated to show the debit on XX/XX/XXXX, when I check my account everyday and it didnt show up on my end until after XXXX XXXX on the XXXX. Then it was backdated to XX/XX/XXXX. 

This is a regular occurrence.
Consumer complaint received 2017-11-30
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Critical Resolution Mediation LLC (FL)

I have received numerous and aggressive messages on my voicemail for a XXXX XXXX XXXX, which I have no clue who that is. The same person calls and identifies himself as XXXX XXXX, leaves his phone number XXXX ( XXXX ) XXXX, his ext XXXX, though when you dial the number it goes directly to him, but he leaves messages saying that XXXX needs to give him a called at the Law Firm of Critical Resolution. He indicated that she wrote a bounce check which carries jail time and the amount that she wrote is a felony charge. He said this was turned over to him by a XXXX XXXX. I initially ignored it, thought it was an error, but he continuously called. Well, he called so aggressively and nasty and repetitive messages left, I called and left a message informing him, he was leaving someone else 's personal information on my voicemail continuously and the last name he gave was mine but I am clueless as to the party he is speaking of. Well, he did not return the call ; however the nasty, aggressive, unprofessional voicemails continued. I contacted him once again, today, XX/XX/XXXX and finally reached him. I informed him that he was asking for a XXXX XXXX XXXX, he yelled at me and said I did not call you. I said, yes, you did, you constantly left messages for this individual and I have no clue who it is. He harshly said, in a yelling voice, well then, did I call this number you are calling from, I said yes and repeated the name that he asked for, he yelled at me and said I asked for XXXX XXXX, I said, you did not, you said this matter was submitted to you by XXXX XXXX. I said, I have your numerous messages on my voicemail, he rudely yelled again and said he did n't ask for XXXX and that I did not know what I was talking about and slammed the phone down in my ear. 

I got online and looked up this company to see if I could get a different number so that I can speak to a supervisor to inform them of the way he conducted himself. I located this number and the same person answered the phone, saying XXXX XXXX XXXX. I do n't know if this is a one man operation but it was outrageous in which he conducted himself. I deleted the messages but decided to keep one to support what I am stating to you. If he calls my home again, the next step will be a lawsuit.
Consumer complaint received 2021-02-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (PA)

I received an alert on my credit report that I had a delinquent account. We I looked to see what it was I found that Nelnet loan services reported the delinquency. I contacted Nelnet by phone and also went online and immediately paid the bill. I explained to the person I spoke with that I was under the impression the loans were deferred due to the COVID-19 pandemic. The lady asked if I was active duty military  or in school at the time which I stated NO. She then said there was nothing she could do for me. I stated that I had not received a voice mail or email regarding this. Of course, she stated that they attempted to call but I had never received a voicemail. I believe this should be wiped from my record due to a misunderstanding with all the COVID related info coming out and confusion this is causing. I would appreciate any help with resolving this matter as I was just following the federal governments information being distributed to everyone and I immediately took care of the situation upon discovery.
Consumer complaint received 2017-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: SYNCHRONY FINANCIAL (MD)

Sychrony Bank has bought 4 of my credit cards. They have systematically gone through and dropped my credit card balance on each making my card maxed out, which they were not. On most I did n't even have half the amount of my available balance charged. This lowered my credit score time and again. I have been going through and closing accounts to prevent this from happening further. Because they had negatively affected my score with all the balance drops it helped not hurt me.Usually that is a bad practice but when you have a 5k credit card they drop to 4k, then you pay {$1500.00} to make your balance half of your available balance and they drop it again to {$1400.00} to look like your maxing out your cards, closing them is the only way to keep the limit consistent.Unfortunately they have caused my score to drop over 100 points. As I have been rebuilding my credit they are now attacking my 2 last cards. They just charged me {$880.00} in interest charges in 1 month, which they increased my interest on that card and have now shown me {$400.00} over my credit limit although, I have n't made a purchase since XXXX 2016 and have never been late on a payment. This again has dropped my credit score by 40 points, limited my ability to get credit. I have proof of all of this. It is predatory in nature and I want to sue them for damages. I just reached out to a consumer protection agency and am contacting an attorney. It 's sad these bank do this, many times it people who are rebuilding or with fair to good credit as we are the easy targets. They continue these practices to jack up interest charges and get higher fees. It is also Why they purchase multiple cards. I had a long standing credit history with Old Navy, Lowes, TJX ( Marshalls/TJ Maxx ) and XXXX XXXX. The 1st 3 with no late payments and nearly 10 years history.
Consumer complaint received 2017-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

I was staying at XXXX XXXX XXXX I had paid off everything the apartment was clean and left with no garbage or no damage. I spoke to XXXX asking her proof of damage that was claim that was left in the apartment she said she do not keep these information the collection company has it when I spoke to someone about this they sent me a bunch of paper with picture how can admit to anything when there is no substantial proof I even offer to pay the last month rent to settle they denied it
Consumer complaint received 2017-12-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (MI)

I was admitted to the Emergency Room at XXXX XXXX in Ohio while on XXXX XXXX orders. This was ordered by my XXXX. My human resource XXXX submitted the documentation to bill XXXX. The hospital said that they XXXX has denied claim. XXXX says it was never billed. I have hounded by collection agents, had my credit score negatively impacted, and ca n't get a higher security clearance which prevents me from getting a better job. I have spent literally dozens of hours on the phone and email over the past 20 months and emailed my congressman. All to no avail. I have all the documentation to support my claims. 

Collections have been placed though XXXX XXXX XXXX XXXX, law offices of XXXX, and XXXX XXXX XXXX
Consumer complaint received 2018-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

For background, I had an Amex Platinum until XX/XX/XXXX, but canceled it due to several poor customer service experiences with Amex. 

In XX/XX/XXXX, I read an article announcing that Amex was doing a targeted offer for XXXX bonus points via XXXX XXXX CardMatch program. I've been considering trying the card again, but I assumed I'd be ineligible since I already had an Amex Platinum. 

I decided to give it a chance though and, to my surprise, was matched to the XXXX bonus point offer. I still thought it might disappear when I went over to Amex to apply officially, but nothing indicated that I wasn't eligible for that offer, so I officially apply and am approved for the card. 

3 months later, I've put well over the required $ XXXX min spend on the card, plus paid the {$550.00} annual fee, but still haven't received the bonus points. I reached out to customer service about this, and they tell me that I'm ineligible for the bonus because of my previous card and that I should have noticed that in the fine print ( even though everything on the page I applied through made it appear like I was still getting the XXXX bonus offer ). 

I'm extremely disappointed about this. I would not have reactivated my Amex card without that bonus, nor would I have paid the annual fee, nor would I have spent several thousand dollars on the card. I feel like they've run a bait and switch on me by burying the fact I wasn't qualified in the terms and conditions somewhere while still making it look like I was qualified throughout the application process.
Consumer complaint received 2017-11-30
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: HCFS Healthcare Financial Services of TeamHealth (TX)

Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Collection Agency : XXXX XXXX XXXX Credit Reporting Agency : XXXX Debt Amount : {$3500.00} Date of Debt :? 

I have been disputing this debt since XX/XX/XXXX with XXXX. I have asked for verification that I did any business with XXXX XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX I finally called XXXX, and they stated that the collection agency " XXXX XXXX XXXX '' has verified the account. 

I then called XXXX XXXX XXXX and asked them to produce something that shows this is my account. They only said that they have my name, social security and an address that I never lived. 

I then hung up with them and called XXXX XXXX XXXX XXXX XXXX XXXX ( the original creditor ) and asked them to produce a signature or document from the original date of service and she did n't have it and referred me back XXXX XXXX XXXX. 

They have not produced any item that shows this is my debt. 

I am requesting that this be removed from my credit report
Consumer complaint received 2018-06-08
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. (IL)

I can not recall dates and amounts. However, Sally Mae and then Navient historically have only offered me forbearance and not income based repayment options to the point that I no longer have forbearance left in my agreement. 

This has set up a situation where in when I have financial difficulties Navient threatens my cosigner and tries to have me pay an amount I am never able to afford. I recently have dealt with a five month stint of being unemployed. Navient would only accept payments of close to {$350.00} a month out of my {$1800.00} a month unemployment payment, which I could not afford if I wanted to have a place to live or eat ( I was not eligible for SNAP ). 

In this time they insisted on pushing to get information about my cosigner ( my mother ) they are not legally entitled to in order to try and force me or my mother into making payments we can not. My mother is on a retirement XXXX social security fixed income. 

Further more, when I signed both initial loan agreements I was told that if I made 2 years of uninterrupted payments I would be able to remove my cosigner. When I met that obligation and contacted Navient ( Sally Mae, at the time ) the denied that was ever part of the agreement and dismissed my request. 

I am now at a point with these loans that I now owe more than I did upon my graduation from graduate school due to the interest accrued from the multiple forbearances I was manipulated into taking because of national economy issues related unemployment. 

At the time of filing this complaint I am XXXX years old. I graduated XXXX years ago. I have at least 25 years to pay on a loan that is now structured with interest in a way that I can not practically pay down the accruing interest and pay the debt off. 

What was sold to me as a loan solution has become a burden I will likely carry to my grave because the condition of the loans are as such that I will likely never make enough money annually to pay it off and the plausibility of me saving money because of the interference of this loan is impractical. 

On top of all of this, the stress from dealing with this loan in particular, has aggravated my diagnosed XXXX XXXX XXXX to the point that I am now on the maximum safe dosage of XXXX ( XXXX ) and the diagnosed XXXX XXXX XXXX is wirsenuing every day. Even as I am typing this I am fighting to prevent an anxiety attack because I am actively thinking about the Navient loans and the ruin they have brought on my life. 

Naveint ( formerly Sally Mae ) has quite literally ruined my day to day life, made the prospect of late life destitution inevitable, and has caused and is causing me significan health effecting psychological issues.
Consumer complaint received 2017-11-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: UMPQUA HOLDINGS CORPORATION (NV)

Mishandling of funds. 
XXXX XXXX, XXXX I sent a check to cover my escrow shortgage. They did not apply my money correctly, evidently I wrote the wrong amount on the check. I sent them messages to no avail on XXXX/XXXX/XXXX which has still not been addressed. They finally called me when I sent in my mortgage payment asking why I was sending in another payment - this was on XXXX/XXXX/XXXX as well, not even looking at my messages. I was talking with XXXX and sent another immediate transfer to cover the amount. She assured me as assistant to the vice president, she would make sure this was done correctly. I now get a statement with my last payment pended, an overdue payment amount ( XXXX ), a partial payment unapplied ( {$1100.00} ) and an amont due of {$2100.00}. My escrow balance shows {$1500.00} - my shortage was {$1500.00}. My payment amounts should have stayed at {$870.00}. This is causing a lot of stress trying to get this cleared up and a lot of problems between my spouse and myself.