davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (TX)

Received 2 letters of delinquent lease account. Chase auto finance is claiming I have {$10000.00} due on lease when creditor offered to zero account balance upon return of vehicle. They offered complete credit of payments due for early return as compensation for misreporting my account as delinquent for almost one year. They couldnt find root of problem why my account reported delinquent when all payments had been made in a timely fashion. 

I do not owe any money on this account. It should be closed with a zero balance. 

I have attempted to escalate this within their corporate office aka reps that take escalated calls. I have been unsuccessful getting a manager to call me. 

I have requested no less than 7 times for XXXX XXXX, the rep at Chase to have a supervisor contact me to better explain the situation. 

Vehicle was returned XXXX and Ive heard from nobody from Chase since.
Consumer complaint received 2021-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLIANT CREDIT UNION (AZ)

We refinanced our house with a new lender. Our old lender, Alliant Credit Union, put our escrow account money ( {$2800.00} ) towards our loan payoff without getting our consent to do so. Therefore, our new lender paid Alliant, a balance that used the escrow money to get the mortgage balance lower. Based on the XXXX XXXX Timely escrow payments and treatment of escrow account balances, section ( b ) Refund of escrow balance, they are not allowed to do that and the money should have been refunded back to us directly. 

*The rep at Alliant Credit Union also let us know that they were in the process of changing their procedures of putting escrow money towards the mortgage balance, implying that their current process was not legal/had issues.
Consumer complaint received 2021-03-28
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. (TX)

I opened an account with XXXX now also known as XXXX XXXX XXXX back in XX/XX/XXXX and the items all had insurance. My home was broken into and the item was stolen. As A result the insurance company paid the account off and the company still reported the balance to my credit file. I have submitted several disputes with no resolve, I was able to reach someone in upper management and she informed they will request to have this account removed from all of the credit reporting agencies and as of today the account is still actively showing on the credit report. This account for XXXX Now should be completely removed. i have attached the police report and also the letter showing the company has agreed to have this account removed.
Consumer complaint received 2021-08-11
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. (AL)

I sent in a letter twice one in XX/XX/XXXX and again XX/XX/XXXX about an account that was inacurrate reporting on my consumer report and when I received the results XXXX  deleted the account but Equifax and XXXX  are still reporting this inaccurate account after several attempts I received no response. I sent in MY 3RD request XXXX ago providing proof that XXXX  removed the account and still to this day I have received nothing from Equifax or XXXX. I ask that you please help me as this is becoming a hinderance to my livelyhood. I'm trying to move and this is keeping me from doing so. I should not have to keep waiting another 60 days for this to be resolved. I sent these letters certified mail tracking # XXXX and XXXX so I know they received it so what is the problem? I need answers and not excuses please help me get this corrected.
Consumer complaint received 2019-06-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Io, Inc. (VA)

Short version. XXXX XXXX is harassing me for a debt that exists due to their error and I was told years ago that it was cleared. 

In this statement, 'they ' is XXXX XXXX and/or XXXX XXXX unless otherwise specified. 
All information is to the best of my knowledge. 
Proof of the company 's failure to properly file with Medicaid is available from Medicaid. Both XXXX and Medicaid have information regarding the incident on file. 

Back in XXXX, I went to XXXX XXXX for a medical problem related to my XXXX. They incorrectly filed with Medicaid and were initially denied. I spent time on the phone with both XXXX XXXX  and Medicaid to fix this. By the time my daughter was born everything was supposedly fixed. 
Since then I've received mail about the amount and every year I've repeated what they told me in XXXX until they stopped in XXXX. They admitted the debt was covered by Medicaid and by their admission they didn't file with Medicaid until 7 months after. They also did not have the proper date on the filing. This information was repeated at my XXXX visit and I was told, " Just pay it to save time. '' This year ( XXXX ) I went to use their services and was denied because of this supposed debt. So I went through XXXX  to try and settle it. Instead I received mail from XXXX XXXX that I needed to stop the dispute and pay them. There was mention of contacting police. The letters felt like a threat and I did not respond because XXXX was clear that all dispute related discussion was to take place through XXXX. 
Today ( XX/XX/XXXX ) I received a notice that XXXX, without any official correspondence from XXXX XXXX or XXXX XXXX, found in their favor. This doesn't make sense as the only updates I received were that XXXX XXXX had not yet responded. 
They're trying to make me pay for their mistake and I'd like some help. Thank you for your time.
Consumer complaint received 2020-12-02
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. (CA)

I discovered an inherent problem with the credit reporting system that this agency needs to change as innocent consumers are regularly being punished for doing nothing wrong. Two things happened this year that uniformly lowered consumers credit scores when they did nothing wrong and in essence changed and did nothing. XXXX changed banks and XXXX went out of business. I had a zero balance on my credit cards when those things happened and a record of 100 % on time payments when I did charge. Yet in both instances my credit score went down 5 points. These need to be reported differently so consumers arent punished because a business goes under or changes banks. Its appalling and outrageous that a good citizen gets punished when doing absolutely nothing wrong! 
Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (TX)

In XXXX, I co-signed a student loan for my daughter. Toward the end of XXXX, I made an additional payment of XXXX dollars to be paid directly to the principal balance of the account. When I called in to make this payment I requested this. The next month, I received a statement saying that no payment was due. When I called in about this ; I was informed that they considered the payment to be a pay head and that no payment would be due until the extra payment of XXXX was used up. I advised I didnt want that and needed it paid directly to the balance. So the specialist claim to apply it to the balance, so statements will show an amount due. However this is not happening. This company is still holding onto my payment and using it as a pay ahead payment and still charging interest, as if this payment was not made. I would like someone from this company to fix this, so that the payment is applied toward the balance and not considered payed ahead. I want statements That show an amount that is owed each month. I would like to point out that there is a huge difference between paid ahead and an extra payment toward the principal.
Consumer complaint received 2021-11-03
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: CITIBANK, N.A. (IL)

My Costco Citi card advertises " cash back '' for purchases. It is usually in the form of a coupon, which needs to be brought to a Costco warehouse for redemption. I have not received a check or any other form of payment for my Costco Citi card for 2021, and I believe it was due early in the year.
Consumer complaint received 2021-04-29
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (NC)

Had requested relief from student loan payments with AES ( American Education Services ) due to COVID ( my wife was not ale to work and our Household Income was reduced dramatically ) going back to XX/XX/XXXX Was on what i thought was the Federal Relief Program when legislation was passed along with the Stimulus Payments. Was told that I was eligible for a Forebearance and was on one fromXX/XX/XXXX throughXX/XX/XXXX Was sent letters about the Forebearance expiring but if I was still having difficulty making payments due to COVID to call and inquire about further assistance. Was told back in XXXX that I was not under the federal program since this loan did not qualify under the recently passed CARES Act but they would submit my request via phone to do a Natural Disaster Forbearance Extension which was the original plan fromXX/XX/XXXX I received a letter dated oXX/XX/XXXXthat I was no longer eligible regardless of COVID so I called back in to see what relief I could get since my wife was still unemployed. Was told again that they would submit a repayment plan option and see if that would work and received an email on XX/XX/XXXX about the COVID related Forebearance may be ending soon???. I called back in and they stated again that they would submit my request via phone. Shortly after I received notification that my credit score dropped 50 point sand was reported 60 days past due by AES. Called back in to AES and spoke with a rep about disputing the credit reporting as well as eligibility for a 90 extension as part of the COVID situation. Was told to keep checking the website over the next 7 days to see the status of the relief program and at one point saw that here was no payment due. 
Received a denial letter on XX/XX/XXXX about the credit dispute ad just received an email stating that I'm now more than 90 days past due and I still owe the current monthly payment. THERE IS NO CONSISTENCY AS TO WHAT YOU ARE BE BEING TOLD OVER THE PHONE AND THE SPOOTY ELECTRONIC COMMUNCIATION THEY POST ON THE SITE OTR SEND VIA EMAIL. My credit score has dropped over 100 points, My wife is still not back at work and I am having difficulty paying this monthly bill. Hopefully able to resume as things start getting back to normal and my wife resumes her business in the summer. 
Pleasehelpo
Consumer complaint received 2022-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (MO)

I alerted Sunshine XXXX XXXX that the debt they are trying to collect is not valid. They are attempting to collect payment for fraudulent charges in the amount of {$190.00} from XXXX XXXX that were investigated by my credit card company ( XXXX ) and resolved in my favor. I provided Sunshine with evidence of the resolution from my credit card company and they are still attempting to collect the debt.
Consumer complaint received 2018-03-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (WA)

I had an XXXX XXXX store card, and entered a payment installment plan with Synchrony Financial and closed the account in XX/XX/XXXX. The arrangement was for 0 % interest. Ive been making payments as agreed since XXXX and have not been late since I started the payment arrangement. Fast forward to XX/XX/XXXX, and I was charge $ XXXX in interest. I emailed customer service and the representative said that they charged me interest because the promotional period had ended, but I was told that I would not be charged any interest at all and would be paying off the credit card balance at 0 % interest. Why are they charging interest when they agreed not to charge interest back in XX/XX/XXXX when I began the payment arrangement?
Consumer complaint received 2018-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (WA)

My ex-husband XXXX XXXX on XX/XX/XXXX. At the time of his XXXX he had a home equity line of credit open with US Bank. My name was on the account, even though at the time of our divorce in XXXX, XXXX, he had agreed to assume responsibility for the loan. When I discovered that he still had a large balance owing ( over {$10000.00} ) at the time of his death, and that my credit score was beginning to fall, I paid the loan off until the estate settled, in order to save my credit. 

I followed this action up with a letter to US Bank requesting that my credit score be repaired, and stated that I was not legally responsible for the loan per our divorce paperwork. They refunded me the entirety of the loan, and promised IN WRITING that they would remove my name from any association with the HELOC. 

Not only has this not happened, they have now reported the debt as charge-off ( bad debt ) ... which is exactly the opposite of what happened. They ADMITTED THEIR MISTAKE AND REFUNDED ME THE MONEY ... but are calling the account a bad debt. And now, my credit has continued to plummet. 

I have made numerous phone calls both to US Bank and to XXXX to try to get this resolved and nothing has been done. XXXX sent me a very detailed report that said basically nothing -- no information whatsoever on what their conversation with US Bank was. 
I greatly need help.
Consumer complaint received 2020-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (GA)

I made a payment of {$1500.00} on XXXX XX/XX/2020 that I requested to be paid only toward a specific loan with the expectation to reduce the principal of only that loan. I noticed that Navient ( who handles my loans ) incorrectly split the payment towards two different loans that I have with them. I spoke to a Navient call center representative earlier this month and I was told that they would allocate payment ( s ) toward the principal of the loan I request once any unpaid interest is paid off, however that is not what Navient did with my request. I have read on the internet in several different news websites that Navient has malpractices for loan processing and the CFPB has been involved so I thought I would file a complaint here first for assistance. I am hoping for correction of this error as one of millions of people relying on the honesty of loan companies during the tedious process of paying back loans.
Consumer complaint received 2021-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2021 I had a wire transfer fraud on my account and I did not authorize this activity. I bank with Chase I immediately filed a claim on XX/XX/XXXX. The fraud department that handles wire transfer fraud told me they are sending out a packet to my residents. When I receive this packet I must fill out and return. 

My local branch manager was assisting me in this claim and ask for the department to these document via email. The department said this a a packet we need to send to the client which is me via mail. 

I waited over one week to receive this packet and I have received nothing. The day is Saturday XX/XX/XXXX XXXX after waiting on hold and being transferred to multiple departments I ask a customer service representative may I speak with a manager. I get sent to XXXX in escalations department. I tell him my situation he notifies me that a branch manager can upload the document and I can fill the affidavit at a local branch and he can fax it. 

I drive straight to my local branch and I let the branch manager know what XXXX told me. The branch manager  calls Escalations department and ends up talking to XXXX the same person I finish speaking with 10 minutes ago. The branch manager said the client is in the branch. XXXX walked the branch manger through the process he printed out the affidavit I fill out the document and the branch manger fax it straight to the Fraud department and deals with wire fraud. 

The day is XX/XX/2021 I speak with a representative from the fraud department and he lets me know the decision will take 2 to 3 business days. I call after the 3rd day I am on wait so long that an automated message tells me to call back. I call the branch manger that has been helping me and says it will take 6 to 7 calendar days but no decision. 

the day is XX/XX/2021 no update and all I get is the department is backed up.
Consumer complaint received 2018-03-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: STERLING JEWELERS, INC. (GA)

XXXX XXXX card services bought my XXXX XXXX   account which should have been discharged in a bankruptcy that was discharged in XX/XX/XXXX. The account was correctly updated on XXXX and XXXX, but XXXX XXXX will not correctly update XXXX, nor will XXXX follow suit with the correct information being reported to XXXX and XXXX. I have disputed through XXXX and the results were " account verified ''. Again, this account was discharged in a Chapter XXXX. As of XX/XX/XXXX, this account continues to report to XXXX   and now states the account is 150 days late. This is damaging not only my credit rating, but also causing unnecessary stress. 

XXXX XXXX refuses to delete inaccurate information from XXXX, and they continue to harass me with phone calls despite my communication via XXXX ( disputes ) that the debt was discharged. Furthermore, I informed XXXX that XXXX and XXXX had the same account information reporting correctly, but XXXX refuses to follow suit. 

Thank you for your assistance.
Consumer complaint received 2021-08-11
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. (TX)

FCRA VIOLATIOSN : XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$120.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$1000.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$7200.00} Status Voluntarily surrendered/Never late. {$7200.00} past due as of XX/XX/XXXX. 






XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$82000.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$500.00} Status Collection account. {$500.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$170.00} Status Collection account. {$170.00} past due as of XX/XX/XXXX. 
XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$700.00} Status Collection account. {$700.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
OFFICE OF THE ATTY GENER Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open. 
OFFICE OF THE ATTY GENER Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open. 





XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-06
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

My name is XXXX XXXX. This was my first credit card and have kept the account in good standing since inception in XX/XX/XXXX.

Back in XX/XX/XXXX - My co-signer on the account filed for Chapter XXXX and XXXX XXXX automatically closed the account. 

I'm the primary holder and this person has nothing to do with me. The account was always in good standing, never ever bad. 

They closed my account and intentionally deleted it off all credit bureaus to hurt me personally. It took my score down and made it appear as I have not established a long credit history. 

The company also went so far to list the account as a charge off. Why would you charge off an account that was never behind? And list it as bad debt on the person that didn't file for bankruptcy. 

Makes no sense. They refuse to reinstate the account or take the other individuals off as it has nothing to do with me. I find this very shady and fraudulent. 

Called compnay last on XX/XX/XXXX
Consumer complaint received 2021-08-11
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. (PA)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous Inquiries reporting on my Credit Report : XXXX Date of inquiry XX/XX/2021 XXXXXXXX XXXX Date of inquiry XX/XX/2XXXX XXXX XXXX Date of inquiry XX/XX/2021