davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-19
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: DISCOVER BANK (CT)

XX/XX/XXXX : Received email from Discover regarding " Earn a {$45.00} statement credit this holiday season when you activate your offer and sign up for a new {$45.00} XXXX XXXX membership online or in club with your Discover card, nowXX/XX/XXXX. '' XX/XX/XXXX : Relevant purchase posted to credit card. 

XX/XX/XXXX : Contacted Discover customer support regarding statement credit not having posted. Escalated to a supervisor. Discover claimed I must not have met one of the conditions, but was unable to specify which one, and refused to credit my account.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (FL)

I attended, XXXX XXXX XXXX XXXX Florida 8 years ago school and was over charged for XXXX different type of over XXXX dollars in loans that I did n't use for the whole program. The school stated a check will be sent back to me was never receive. It is 2017 and still nothing received.
Consumer complaint received 2023-02-08
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: EQUIFAX, INC. (TX)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified
information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2016-03-28
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Credit Adjustments Inc (OH)

Collection Agency did not send any notices, did not send copies of bills and was not given the opportunity to dispute the debt. Was not aware of it until I received the court notice. Started making payments, still have not received notices to confirm payments. Contacted my employer for garnishment, still have not acknowledge the payments that was made.
Consumer complaint received 2023-04-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (NC)

I purchased XXXX dollars us bank gift card on XX/XX/. When I tried to use the card, it was not working. I called the phone # on the back of the card, and the agent told me the card was disabled because someone was trying to use the card several months before I purchased the card. The agent advised me to use their website to submit purchase proof and IDs for replacement. I did what as instructed and weeks later, I called them again ; they told me they could not view the files I submitted due to an incorrect file type, and they could only take PDFs. I asked the agent how can the website designed to receive the file with the incorrect type in the first place!!! She told me to resubmit the document in PDF, but their website is no longer working. Once some documents were submitted for a card, you can not resubmit any other information. It is a terrible design indeed! The agent again advised me to mail the documents to them using the US MAIL. I again did what as instructed, and weeks later, I called the phone again to check the status. The agent told me he does not see any updates yet. I need to call back after 2-3 business days. I think this is unacceptable.
Consumer complaint received 2015-09-30
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (TX)

Debt on card was settled and paid as agreed over a month ago on XXXX XXXX, 2015. To date Chase has not reported my correct debt status of {$0.00} to the major credit reporting agencies and have not provided verification of payment in full as agreed. They are continuing to report a balance due to all XXXX credit reporting agencies.
Consumer complaint received 2015-11-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc. (VA)

Someone called from XXXX saying they are trying to contact my son says that he owes money ( which he does n't ) and to call XXXX at XXXX call two to three time per day and it 's very aggravating.
Consumer complaint received 2016-10-27
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2016 I went into Chase located at XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX, to make a credit card payment. I originally gave the teller {$800.00} cash along w/my credit card and ID. Then I changed my mind and told the teller just to pay {$700.00}. So the teller filled out the payment slip originally w/ {$800.00} then changed it to {$700.00}, had me initial where the changes were made then sign the slip. She gave me a receipt and my {$100.00} back. On XX/XX/XXXX I realized there had to be something wrong w/my account as I always pay my bill and rarely leave a balance. So after several hrs of trying to figure out where the error was I realized that the {$700.00} payment was never posted to my account. I called card services and they credited my account, opened a case and told me to fax over the receipt that was given to me. On XX/XX/XXXX, I went into Chase and faxed a copy of the receipt. I saw the credit as soon as I logged onto my account on XX/XX/XXXX. But then on XX/XX/XXXX or XX/XX/XXXX I saw my account very high again so I looked online and could n't find why until I scrolled all the way down to XX/XX/XXXX transactions their I saw that the {$700.00} credit was taken away. I called Chase and was told I was sent a letter in reference to the credit ( I have not received it at all ). They were not helpful at all they told me to go to the branch and discuss it w/the manager. So I went into branch and spoke to XXXX XXXX who told me she was aware of my situation and that she did n't understand what went wrong. But I left the bank w/her telling me she will get back to me as I told her I was going to go to the XXXX XXXX police dept. to file a report. I did just that the report # is XXXX, I was told that a detective will get in contact w/me and I 'm still waiting. I 'm a single XXXX mom and {$700.00} is n't something I can afford to repay again. Therefore I was advised to contact CFPB and I 'm praying that this matter can be rectified as soon as possible as I do n't need this on my credit report. I will also be contacting the Office of the Comptroller of the Currency ( OCC ) along w/Legal Services ( CFPB ).
Consumer complaint received 2018-05-30
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. (AZ)

During XX/XX/XXXX, XXXX XXXX negotiated with XXXX - XXXX regarding my outstanding balance. An agreement was reached and I have been paying my payments monthly since XX/XX/XXXX without any interruptions. However, XXXX is showing my account as a charge off even though they are currently taking and receiving payments for my account. This is causing stress and time to continually go back and forth with XXXX that I hired XXXX XXXX XXXX to help. To this date, XXXX XXXX XXXX have not been successful either. Please resolve.
Consumer complaint received 2017-05-24
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (PA)

I have student loans through Fedloan Servicing. My account was in forbearance for a while and had to havr been renewed in  XXXX   2016. Co me  XXXX     2016, I was  checking my credit report and I had seen that  XXXX  accounts had been reported past due 90 days as of  XXXX   2016. I conta cted Fedloan Servicing immediately and asked them why it was showing  XXXX  accounts, 90 days past due. They told me my forebearance had needed to be renewed in  XXXX  and that it had not been. I asked them why they didnt contact me via mail or phone about this and they simply stated we do not mail letter, we have  XXXX  numbers automatically call you with an automated message. Since I do not typically answer phone numbers I do not know, I never recieved a call or a letter explaining it was late. Upon calling, they renewed my forbearance, effective  XXXX     2016. If  you do not know, you only have a limited time of forbearance and every month matters. So  I figu re ok, you 'll make the forbearance active a s of 2016 a nd everything will be good, WRONG! The next month it showed up as currently paying as agreed but still shows was 90 days past due. I called back and asked why was it showing 90 days past due on  XXXX  separate accounts? They told me they open a new account every time you start a semester and even though they prorated my deferment back to  XXXX , they REFUSED to correct the information on my credit report. I understand I have an obligation to repay my debts, but I also have a right to be notified if something is n't right. All that had to be done in  XXXX  is renew the forbearance. Despite many calls to this company, they have been rude, ignorant, and unwilling to help. Now my credit reports  XXXX  accounts were 90 days past due despite them prorating my limited forebearance back to  XXXX . Scammers! Stay away!
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (GA)

Ally FinancialXX/XX/2019 - Hard inquiry ( never authorized ) My credit has a fraud victim alert so I'm very unsure how this credit pull was authorized without my consent
Consumer complaint received 2022-08-04
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. (PA)

Bought a car in XXXX they made about 13 hard inquiries but there was only suppose to be one inquiry then i applied for a soft pull prequalify and they more hard pulls again multiple times this year that i didnt authorize at all because im not in the market for a car.
Consumer complaint received 2015-05-08
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (CA)

I have a home loan with chase bank that I had on auto payments. I was un aware that chase bank sold My loan. And I was not aware of the change and was not notified chase sent the payment to XXXX XXXX XXXX for awhile then they sent the payment back to me and I sent it to them and that is way it was late.
Consumer complaint received 2023-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

XX/XX/XXXX submitted PSLF with MOHELA XX/XX/XXXX Submitted FSA Feedback Case because of payment history gap of 48 months XX/XX/XXXX MOHELA secure message stating not qualified for PSLF yet due to not enough qualifying payments. Also, one employer had end date incorrect on employer eligibility form, short on year XXXX. 

XX/XX/XXXX submitted new employee verification form to include the XXXX missing year. 

XX/XX/XXXX added message about payment gap allegedly being due to in school deferment mistake by XXXX. Included upload of transcript to show not in school during that time. 

XXXX?? XXXX transcript of chat with FSA representative ; informed feedback case is being actively reviewed and investigated. 

XX/XX/XXXX emailed Representative XXXX XXXX regarding congressional inquiry of my loan status. 

XX/XX/XXXX emailed Representative XXXX XXXX regarding congressional inquiry of my loan status. 

XX/XX/XXXX Added to Feedback Case request to escalate to the Ombudsman XXXX. XXXX business days since filing complaint. 

XX/XX/XXXX call FSA, representative with ombudsman. Reports complaint is in the queue with MOHELA. 

XX/XX/XXXX call with MOHELA. Representative said she couldn't see payments from the time period and connected with an account XXXX. She was told those payments are under review and I should know something in the summer.
Consumer complaint received 2016-08-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AFNI INC. (MD)

I pulled my XXXX credit report to find a debt of XXXX dollars the collection agency not XXXX never informed me that they were putting anything on my credit file. In XXXX XXXX I called XXXX to terminate my service with them. They charged my bank card XXXX dollars which was with XXXX XXXX XXXX XXXX. Then I called direct tv to ask them why they stated at the time it was for an early termination fee. I informed them I was under no contract with them. They stayed yes I was for two years, I asked them to provide the contract and they said that they did n't have the contract but I was under contract when I upgraded my satelite equipment. I returned the equipment via mail and then disputed the charge with my bank. XXXX XXXX XXXX XXXX reversed the charges. I thought I was now done with this, but I pulled my credit report in XXXX XXXX I noticed a collection from Afni which was a collection agency for XXXX, they had first reported it in XXXX XXXX. Afni nor XXXX never informed me that they were reporting anything to the credit bureaus. I called them in XXXX and was told the report was for XXXX dollars, and said that it was an early termination fee, unpaid service and missing equipment. My service balance was XXXX in XXXX XXXX. In addition as was previously mentioned, I returned the equipment and was under no contract.
Consumer complaint received 2023-01-06
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2015-05-20
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (NV)

I have car lease on my name but the car is for my daughter ; she has bad credit and thethe financial company refuse to pass the contract lease to may Daughter ; we my wife and myself wear in the proses to refinance de mortgage and the late payments of my daughter affect our credit it is my problem l
Consumer complaint received 2017-02-20
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: LD Holdings Group, LLC (OK)

I took out an FHA mortgage loan through Loan Depot to buy our home a few years ago. Our family has run into some financial difficulties in the past year and have missed some mortgage payments. I am filing this complaint because Loan Depot has been difficult to deal with, has not given me requested information, has not completed reviews and seems to be purposely trying to stop me from getting reviewed for government programs. The only option they are providing is to reinstate the full past due amount which is now close to {$11000.00}. I am not able to do this and believe there are other options available, but Loan Depot is saying there is nothing else I can do and even if they did work to modify me it would only save me {$60.00} a month. 

When we applied for the loan my wife and I were both gainfully employed ( I have worked in the XXXX for XXXX years XXXX and my wife works in XXXX. We had sufficient incomes to pay our mortgage payment and everything was fine the first couple of years until the oil industry took a dive. Overnight my hours were dramatically cut which drastically reduced my income. In that same time frame my wife began having some major medical issues and started having restrictions at work. This made it difficult to keep a job or any type of regular hours. Because of these two issues we began struggling to keep up with our payments and eventually feel behind on the loan. We contacted our servicer Loan Depot as soon as we missed our payment to try and get them to work with us. We had been told that FHA loans had many programs available for struggling homeowners -- our income was lower than when we bought the house and we were led to believe that there were programs that could help us. We were shocked at the way that we were treated by the Loan Depot agents. It was very difficult to communicate, we had to send and re-send the same paperwork on multiple occasions and then are told that if we were to ever get approved for help we would only save {$60.00} a month so it is not really worth it. I do n't believe this is the way Loan Depot is supposed to handle our loss mitigation request ; I do n't believe that Loan Depot has given us access to all of the FHA programs that should be made available such as modification, forbearance agreement, repayment plans or partial claim. 

What is most frustrating is that during this lengthy review our delinquent amount has continued to increase -- -we attempted to make a payment a few months ago but were told that it was not possible to make a payment anymore unless we paid the entire delinquent amount all at once. This is just not possible. My wife is working full time again and my hours have stabilized and we can afford a reasonable payment. I feel that we are headed to foreclosure unless a miracle happens. That does not seem right.
Consumer complaint received 2023-07-24
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2016-03-11
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (NC)

I applied to reduce my interest rate on my mortgage through Nationstar Mortgage LLC they then had someone from Greenlight Loans contact me. They then asked that I sign " Borrower 's certification and authorization '' five ( 5 ) times in the year 2015. Each time I asked why did I needed to resign the new form. I got a different excuse each time by a new Loan person. I wish to have at least XXXX of the requests from my credit reports. I had excellent credit before they pulled my credit each time.
Consumer complaint received 2015-05-01
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL (OH)

XXXX mastercard offered 6 months no interest if paid in full to me. I took advantage of the offer. They then began charging interest immediately, starting on my XXXX/XXXX/15 statement in the amount of {$10.00}. I want the special financing they offered as advertised!
Consumer complaint received 2017-10-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY (NV)

I have a Wells Fargo Credit card that went into collection & now have a judgement against me. Which I just found out. 

On XXXX XXXX, 2017 Wells Fargo legal recovery set-off went into my checking & savings account. Took all my money leaving {$100.00} to live on. 
Totaling {$5800.00} gone! 

Can they do that?
Consumer complaint received 2017-03-07
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (AL)

This is my issue with Navient I called and asked about a payment plan and was given XXXX and then they want back on their word. They told me that the lady made a mistake when she told me that. I felt like I should have honor what was told to me.
Consumer complaint received 2016-08-30
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MA)

I paid a deposit for a stay at a surf camp in XXXX via paypal but the recipient was a ghost account. The surf camp is reputable, it has a paypal account at XXXXXXXXXXXX. I sent the deposit to XXXXXXXXXXXX, who took the money, but did not provide any service, or provide a refund despite requests. The owners of that acount set it up just to receive payments made to the wrong address. They also set a XXXX account to attract people to pay for services that it has no intention of supplying. Paypal refused to reverse the payment : the complaint procedure person did not understand the issue and incorrectly closed the complaint in contradiction to Paypal 's published policies on fraud. This is a repeated problem for the camp owners, and a clear case of ghost-account fraud, but paypal refuses to act to protect customers from this fraud.