davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Simon's Agency, Inc. (NY)

they keep calling with different amounts due saying i owe them over 500 dollars in debt. iv tried contacting them and appeal the amounts. my insurance company already paid for the services they are trying to charge me for. they have harassed all hours, i tried blocking numbers and they just keep calling me with different numbers with different area codes. very frustrating. could you please put a stop to this. they call everyday about every other hour.
Consumer complaint received 2018-09-27
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. (NJ)

On XX/XX/XXXX a 30-59 day late payment was posted on my credit report from XXXX XXXX. I have never been 30 days late with any payments I called XXXX  to find out where this came from and they could not explain it and you are not allowed to speak to credit dispute department live you can only communicate via writing and I did and they just sent me a letter stating it was correct I have my bank statements and my payment statements and there was no 30 day late anywhere and it did not make sense as of XX/XX/XXXX my actual car payment owed was less than the actual payment it stated that I only owed {$340.00} and my payment is {$360.00} so how could I be 30 days late for the month of XXXX  I never received any letters or calls I remotely 30 late with payments I have no late fees for the month of XXXX, XXXX, XXXX   my balance is currently XXXX so I would like to know what investigation the 3 credit bureaus did this has gravely affected my credit and I want it removed. Every Time you do a dispute they just say account verified and when you request who they verified it with and what corroborating information did they receive they have no answer I work very hard to maintain my credit and on time payments I want this resolved
Consumer complaint received 2018-09-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

In XX/XX/XXXX of 2010, my private student loans with Sallie Mae ( Serviced by Navient ) went into default due to me failing to make payments. Once I received notification, I immediately contacted Sallie Mae in order to try and repair the problem. I was told that if I paid 10 % of the loan balance, that I could be placed into a forgiveness program where I could make a minimum payment of {$140.00} for 24 months, my loan interest rate would be changed to 0 % and the loan would be forgiven after the 2 years of making timely payments. I immediately paid over {$2500.00} to Sallie Mae and then began making automatic payments each month.

After two years, the payments stopped being automatically deducted so I assumed that my loan had been forgiven as planned. However, I then began receiving phone calls that I was behind on my monthly payments because I did not call to renew my monthly payments. I explained that I was placed into a forgiveness program. Unfortunately, I was told that the forgiveness process was in place and I was to continue making payments until that process was completed.

Each month I contact Navient in order to get an update. It has now been 6 years and I have had to renew my automatic payment plan three times now just so that a loan on my credit that shows in default, shows payments being made each month.

Recently, the response changed from them waiting for the forgiveness process to take place to them having no record of it. They have offered to settle my loan for XXXX, however I refuse to take that deal as that was not what I originally agreed too. I have asked them to go back and check their call logs and their recorded lines but they state that they can not do that. At this rate, I will be paying on this loan until I am XXXX years old. Additionally, this is the only issue on my credit and there is nothing I can do about it since it is showing in default and I refuse to get a loan to pay this loan off when I was told this loan would be forgiven.

This is deceptive and wrong and I honestly dont know what to do in order to get this taken care of.
Consumer complaint received 2018-09-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: GREAT LAKES (HI)

XXXX XXXX suppose to cover our loan payments when my husband a Veteran was XXXX. XXXX XXXX sent us a letter with the claim # - XXXX, benefit # - XXXX. XXXX XXXX XXXX XXXX XXXX XXXX told us our loans were not covered but we had chosen coverage when we applied for security purposes in case something happens. See attached documents that was sent to us by an employee of XXXX showing we had chosen insurance coverage. Same with our loan documents where it's showing we had chosen the insurance coverage for our payments. When we brought up this issue, we inquired about the coverage, XXXX XXXX employee said my husband is not XXXX although we showed his medical condition was based upon determination from the military veterans affairs and his doctors. XXXX XXXX is liable to disclose eligibility of customers under insurance coverage and we ask XXXX XXXX to make payments accordingly to our loans that was never applied.
Consumer complaint received 2020-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (FL)

HARD INQUIRIES : CHASE ( SYNCB/CC ) 3 ACCOUNTS SHOW THAT THEY ARE CLOSED BUT STILL SHOWS A BALANCE OWED. ( THERE IS NO BALANCE DUE ) XXXX XXXX XXXX ( NEVER APPLIED FOR A LOAN )  ************************************************************************************** ADDRESS ON CREDIT REPORT : NEVER LIVED THERE : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX NAME ON CREDIT REPORT NOT MY NAME : XXXX XXXX XXXX
Consumer complaint received 2018-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Neon Newco Corporation (VA)

XX/XX/18 XXXX XXXX XXXX XXXX made me aware, checks for dates,XXXX {$180.00} XX/XX/18 $ XXXX,XX/XX/18 $ XXXX,XX/XX/18 {$200.00},,, all drawn acct number end XXXX,, I told Mrs I don't use check 's, I tried to call my Netspend customer service representative no answer phone ringing, 3times, i emailed netspend on XX/XX/18, no response XX/XX/18 no response, i have had many problems guarding, money missing, the customer service representative some time refuse me management and not all manager with netspend will return call or help with Netspend law regulations, please help
Consumer complaint received 2020-07-07
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. (MN)

FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. 


XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX inquiries XXXX/XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX US DEPT OF ED/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-02-24
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. (MS)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021,, XX/XX/2021.
Consumer complaint received 2022-12-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Sunlight Financial LLC (MI)

I am paying {$210.00} a month for a system that is not functioning properly. This is not even working at all. It's a piece of junk sitting in my yard. It is a non stop problem. And it is not worth the {$61.00} XXXX loan that I am supposed to be paying. I am literally paying XXXX electric bills. I wish I'd never had this system installed. It is not worth the money I am paying. All I have gotten is Lies!!!
Consumer complaint received 2020-07-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (OH)

I have not opted into Over Draft protection at US Bank. The allowed a transaction to come through and charged me a overdraft paid fee. 

Asked the bank to wave the fee, transferred to a manager Named Mr. XXXX when he got on the phone I heard a one word response of NO before we even started a conversation and they disconnected my call. 

In XXXX of XXXX XXXX of XXXX and XXXX of XXXX the bank did decline that transaction it's an auto pay but they had declined it at those times. 
This time they decided they were going to charge me a fee which they would not waive
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

After the Equifax leak, people are forced to pay {$10.00} per credit reporting agency to freeze their credit. So, in essence, Equifax is making revenue off of their own mistake. Just appalling.
Consumer complaint received 2022-10-04
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: ERC (MD)

Recently, I did an investigation on my report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my cred it reports and Under 15 U.S Code 6181e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report. 
As a consumer, I request to know the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification Description of reinvestigation procedure.
Consumer complaint received 2020-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MA)

On XX/XX/2019, my family and I arrived at the XXXX XXXX XXXX   after having made a reservation for a one night stay on XX/XX/2019 through XXXX XXXX   using our Citi card for {$430.00}. We were told by the hotel manager that no reservation could be found and they told us to contact Citi to dispute the charge. We reported the dispute immediately on XX/XX/2019 and arranged for a stay at the XXXX XXXX   using other means. 

A few months later, we noticed the charge was reversed back to the card. Citi said they investigated and the provider provided false claims that they did make the reservation. I contacted the hotel manager and had her provide documentation that states that the XXXX XXXX is not a third party they do business with. I also found numerous complaints on XXXX   XXXX online for the same exact scam. 

Citi claimed to have made every effort to resolve this dispute with the merchant and/or their bank but had not been successful. They said the merchant is not willing to issue credit to our account and that they no longer have any additional recourse to pursue a credit for us through the dispute process. They advised us to seek other means to resolve this matter and that their investigation remains closed. 

I tried to contact the merchant. They will not answer the phone. Citi abandoned us. Citi did not do their due diligence in protecting the consumer when ample evidence was supplied.
Consumer complaint received 2017-09-14
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. (NY)

Due to gross negligence ( improper password protection ) Equifax let their system get hacked. They did not disclose this information in a timely manner allowing more time before I could place a fraud alert on my credit and protect my personal information. Consumer were informed of the breach on XXXX/XXXX/XXXX however the actual breach occurred from mid XXXX to mid XXXX. This breach exposed my social security number, credit card information, personal address, date of birth, and drivers license number. I have reached out to the company but their phone lines keep dropping calls. The company has not done anything to rectify the situation, they do not even know whose information was stolen and the website they have set up randomly tells you if you may or may not have been affected.
Consumer complaint received 2018-09-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (PA)

On XX/XX/2018 at XXXX I spoke to the customer service department for my Walmart Credit Card which is funded by Synchrony bank. I informed the representative that I was not happy with my credit card account and I felt that something unfair was going on with the card because I have not used the card in several billing cycles and I also make payments that are over the minimum amount requested.I noticed that in spite of not using the card in several billing cycles and making more than the minimum payment the available credit on the card is not increasing with each posted payment but actually decreasing. I explained to the rep that I have really good payment history and that I don't feel this is fair to do to me and to please see if their is something she can do with the APR to help me out so when I actually pay my bill I should have available credit to use. Their rep responded with " We don't help out anyone with their interest rate '' " It just takes time to pay off '' That seriously is the dumbest answer and biggest lie that I have ever heard. None of my other accounts with other institutions do this. I feel the company is basically stealing from me.
Consumer complaint received 2020-07-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (IL)

This occurs daily. 
The company " Harris and Harris Ltd ' calls at least once a day, stating that they are debt collectors, trying to recover debt. 
so you press one, to talk to them, and the first question they ask, is, 'what number are you calling from '. So I asked them, you called me. Then they say, 'they need the number to identify, who you are '. If they were calling me, they should know what number, called me. 
If I have to say my number. then they, can keep calling. 
This has been going, on, and on, for months. 
Even if you block their number they still get thru. 
They always hang up on you. 
They need to be stopped!!!!
Consumer complaint received 2020-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (TX)

ON XX/XX/XXXX I was fraudulently charged on my Fidelity Visa for {$510.00} by the XXXX XXXX. I reported it to visa and they gave me a credit on XXXX for {$510.00}. Then on XX/XX/XXXX I was charged again {$510.00} by the XXXX XXXX. I have never done business with the XXXX XXXX   and I have been trying unsuccessfully for the last 5 months to get this resolved. I just got off the phone and it was my 5th call ... they say that a manager will call me within 48 hours but they never do. I just want a credit for the {$510.00} fraudulently charge.
Consumer complaint received 2020-12-11
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MA)

Equifax was hacked and now everyone 's social security numbers and information is exposed. Two factor authentication is needed to prevent identity theft. I should be able to get a phone call, text message, or email from the credit bureaus when a creditor tries to open a new credit account in my name etc. 

Or I should be able to log into a website or app to freeze and thaw my credit at all 3 bureaus in real time ( similar to XXXX XXXX XXXX Freeze It - See Link XXXX XXXX XXXX XXXX Where is the regulation for something so vital to consumers? I 've been worried about this kind of thing for years and of course it takes a massive data breach for anyone to start talking about this. Please hold Equifax responsible for this and make all 3 bureaus take steps to protect our information and enable some type of 2 factor authentication. 

We also should n't have to pay to freeze and thaw our credit! This should be free and it 's ridiculous that we have no control over this. There is no reason all of this should be so difficult unless you allow these companies to put their profits ahead of sensible rules and regulations.
Consumer complaint received 2022-01-06
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. (NC)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-05-25
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)

FACTUAL DATA Mortgage Reporters Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX CARDS XXXX Bank XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX all inquires ftc violations
Consumer complaint received 2020-09-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waterfall Revenue Group (NJ)

Dear Mr. or Ms. ; The debt charged to me was nefarious. 

When I called 911 in the evening of XX/XX/XXXX, 2 ambulances were sent and the company that *did not* take me to the hospital ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX followed the XX/XX/XXXX XX/XX/XXXXXXXX Ambulance ( and then got me to sign a paper in my catastrophic state at the time ). 

XXXX then sent the bill to the XXXX XXXX XXXX XXXX ( who refused to pay it ) and then me a bill ( {$790.00} ) for  transporting me to the hospital. 

Again, XXXX XXXX XXXX XXXX took me to the hospital, not TEMS, they should have left when the XXXX XXXX XXXX XXXX arrived. I'm sure they know that no one should have to face two ambulance bills for one ride to the hospital.

I wrote letters to the VA and XXXX trying to find out the facts of why this bill was not paid and why. XX/XX/XXXX then sent my bill toXX/XX/XXXX who made my sterling credit fall nearly 100 points due to the double ambulance bill. 

Sincerely~
Consumer complaint received 2021-02-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Statebridge Company (SC)

Since approximately XXXX XX/XX/2021 I have received a nightly Robocall at my home phone, XXXX, from Statebridge Company asking me to contact them immediately at XXXX. I called recently and discovered that this is StateBridge Company, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO XXXX. After waiting 40 minutes I was connected to a very unprofessional, rude representative. I explained that they were calling every night. He advised that my home phone number was listed in connection to an overdue debt. I explained that it was not me, we are debt free. He repeated that my number was given to them. He would not give me a name but the address he provided for the debt is not mine. I asked him to stop the calls, he advised me to block the calls. I have also tried emailing the company with no success. Pls help, we want the nightly calls to stop. We do not have any debt.
Consumer complaint received 2020-07-07
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NJ)

This is my third attempt for you to remove the inquiries to my credit. The letter you submitted means nothing. I instructed the loan officer to stop and i wasn't interested any long after the numerous inquires on my credit. Please remove the inquires or i will be forced to seek legal assistance. 

You wrongfully inquired about credit causing to to fall 47 points. 

XXXX
Consumer complaint received 2020-03-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (MD)

I paid this account in full with Synchrony Bank in XX/XX/XXXX. Now as of XX/XX/XXXX this account showing up with XXXX XXXX. I have tried numerous times to have this rectified by