davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (NC)

As I am in the middle of a REFI on XX/XX/2021 I noticed a collection account being reported by L.J. ROSS & ASSOCIATES claiming the Original Creditor is XXXX XXXX 

On XX/XX/2021 I contacted XXXX XXXX to figure out why they have sent this account to collections and they verified that they do not have an account in my name and therefore they are not reporting it. 

On XX/XX/2021 I contacted the credit reporting bureaus to get the contact information for the collection company that is reporting this fake account to them in my name and I was given the contact number they have which is ( XXXX ) XXXX. However, when I called the number it was out of service. 

Unable to contact them with the information given to me by the credit bureaus I decided to submit this complaint.
Consumer complaint received 2020-09-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP (PA)

I've had an account with US Bank Reliacard, properly activated the debit card and used for many months. My transaction activity has not changed. On XX/XX/20 I transfered {$1600.00} on line to my XXXX XXXX account which was accepted/confirmed by US Bank Reliacard. The money was removed from my account and never deposited to transferred destination now going on 11 days. On XX/XX/20 I called and told to wait a few more days. On XX/XX/20 I was told the account was deactivated days after the transfer for reasons being the bank experiencing a multitude of fraudulent activity on many accounts. I asked if my account was compromised and told no. But, that my account was deactivated until ID verified. There was no documented or activity reason to deactivate my account and take my money. US Bank never sent email alerts, publications or mail notice of this issue. The bank simply removed my money from my account and deactivated my account after accepting my transfer transaction. The banks representatives could not confirm where my money is currently and why it was not returned to my account and/or transfer completed. I was given a fax number to send my drivers license to confirm my identity which the bank will take an additional week to process then return my money to my account after that process. I verified and confirmed with US Bank Reliacard my most recent transactions, address and phone number as ID verification. I informed them of the hardship they are causing me by deactivating my account, taking my money and not notifying me. I have to feed my family and pay bills, it is a struggle during the Covid-19 pandemic and they are making this a more difficult situation. The 2 fax numbers I was given to send my drivers license fail, disconnect or constantly busy, I can't get through. There is no US Bank in the state of PA to travel to and resolve. The representatives do not connect me to a supervisor/manager. My calls with the representatives are constantly disconnected after a call wait time of 1 hour. There is no ground reason to deactivate my account and take my money from it also with-out alert. I called the bank multiple times XX/XX/20 @ XXXX and XX/XX/20 @ XXXX, XXXX, XXXX and twice more. Please assist me with this matter. I most appriciate it. Thank you
Consumer complaint received 2020-06-01
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: Navient Solutions, LLC. (TX)

After reviewing XXXX  credit bureaus. According to account XXXX Navient continues to furnish a series of accounts which includes negative reporting in continuation of depleting creditworthiness along with possibilities of extending lines of credit.
Consumer complaint received 2020-09-11
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. (MD)

In XXXX, I hired XXXX XXXX to repair my credit and they were successful which raised my credit score to XXXX which was good. Two years later my credit score went to a XXXX and I dont understand why -- 1 ) I am a XXXX Citizen Retired XXXX XXXX but living in the XXXX for the XXXX so I do not make any charges on my credit cards? 
2 ) After I terminated XXXX XXXX in XXXX, my credit begin to drop and I do not know why XXXX ) Items that were removed, deleted and off of my credit with 3-agencies has re-appeared on my credit and I dont know why 4 ) I hired XXXX XXXX XX/XX/XXXX and they informed me that XXXX is being extremely difficult after we already provide many items were not mine and many other items were paid-off, but XXXX continue to keep my score in the XXXX FYI : The majority of my credit cards have balances below {$500.00}, I have NEVER been late on ( Mortgage, Loan, or any other Payment ) since XXXX -- - 10-years ago. There is only 1-Credit Card maxed out which is XXXX XXXX XXXX but nevertheless, payments are still made ontime. I have also re-hired XXXX XXXX  and according to them the SAME ITEMS that was taken care of in XXXX is back on my credit again. WHY?
Consumer complaint received 2021-01-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX I was in process of moving. Had been using all the rental sites. XXXX had a button to push if you were interested in a place. I did that and someone called me. They asked my credit score and had I been evicted. Then stated if I was really serious and sent them XXXX they would take the house off the market. He told me to do a XXXX  transfer. I thought because I was doing it through my bank I would be safe guarded. I was only able to get XXXX thank goodness. I tried to stop the processing but it was too late. I called wells fargo and still haven t heard from them. I was really under the assumption because I did it through them that I would be safe.
Consumer complaint received 2019-03-10
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. (CA)

In XXXX of 2018, the account in dispute is inaccurately showing there is a late payment when this account is in perfect payment history. I have tried to request assistance from said company and they have referred me to each credit bureau who has failed to correct this inaccurate information that is on this account. I am now requesting the help of the Consumer Financial Protection Bureau to hopefully get this corrected and expedited on my credit reports. I appreciate any assistance in advance and thank you for your time.
Consumer complaint received 2020-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

Cheveron/Texaco I was recently the victim of Identity Theft I closed several of my accounts. I decided to no longer make payments on-line. I contacted the company and spoke to XXXX, XX/XX/XXXX at XXXX to changed my payment due date and reported that I made a payment by XXXX extra ( {$4.00} ). The young man said the date would be changed for the next billing cycle. I had him to update the account with the XXXX reference number. 

XX/XX/XXXX, I receive my bill and it had the late charge. I contacted the company and spoke to XXXX. She did not even let me explain but began to tell me how payment are processed by third party company. I told Ms. XXXX that I was aware that XXXX ( spoke to on XX/XX/XXXX ) had explained this to me ( I was not aware of third party payments ). I am never late with this payment. She was not very understanding but like a machine. 

I asked her about the payment due date she placed me on hold for 10-15 minutes. She said her manager XXXX said the due date could not  be changed on a closed account. I had more questions, she said would you like to speak to her I said yes. She transferred me to XXXX. Ms. XXXX tone when she answered the phone she seemed annoyed. I was not asking for anything just a due date change. She proceed to tell me that once an account is closed the due date can not be changed. I asked if I had any other options. She said no, " automatic billing '' ( she did not listen to my Identity Theft story and how I am not paying bills on-line ). I asked Ms. XXXX if the account can be opened and closed again after the due date is changed. She said an account has to be re-opened within 24hours. 

These two ladies showed no compassion or understanding for their customer. Just because I am no longer an active member you don't have to be non- understanding.
Consumer complaint received 2019-03-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PlusFour, Inc (TX)

I don't know anything about this debt, I've never heard of the original creditor PLUSFOUR INC I've tried to dispute the item on my credit report and I haven't heard anything back from PLUSFOUR INC nor XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc. (GA)

Hi placed an order with XXXX for XXXX total, I received a phone call to verify it was me before they shipped it around last of XX/XX/2020. I pass the verification and never mentioned how much I was approved for but on the book they sent me it said XXXX. They have posted on my XXXX   credit report I was approved for XXXX but my order was XXXX. I never receive a credit card nothing with an account number. I never was late and theyve messed up my credit with a 30 day late payment with other damaging information. Im a senior and its hard for me to get out and shop and this account is paid and full and I want it investigated.
Consumer complaint received 2020-06-01
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: JPMORGAN CHASE & CO. (FL)

Someone stole my Chase XXXX visa credit card # the week of XX/XX/XXXX and charged {$380.00} at 4 gasoline stations across XXXX XXXX. I was shletering in place at home that week and didn't fill up my car or visit any gas stations. Chase is asking for proof that I was at my home. I need to file a police report in order to gain access to my cellualar location records according to XXXX and XXXX XXXX XXXX. Chase 's fraud recovery team isn't taking inbound calls during the pandemic. I plan to file a police report tomorrow, but am extremely frustrated that I've spent hours trying to resolve this with limited success. I've been a Chase customer 20 years and they are using customers to cover fraudulent payments that their systems failed to detect. Sincerely, XXXX XXXX
Consumer complaint received 2022-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

In XX/XX/2022 I received XXXX notices of loan forgiveness, however, I dispute the calculation of payments that qualify for a refund. After multiple calls with my loan servicer ( Fed Loan Servicing ) from XXXX to XXXX that did not resolve the issue, I filed XXXX XXXX XXXX XXXX through the XXXX XXXX XXXX XXXX XXXX XXXX site on XX/XX/XXXX. To date I have not received as status update, nor can I determine where I can find out the status. A copy of my Reconsideration Request is attached.

On July 21st, I spent more than 3 hours on the phone with Fed Loan Servicing, XXXX, and Federal Student Aid trying to determine who has my information. Fed Loan Servicing said I need to call Federal Student Aid ; XXXX doesn't even have me in their system and told me to call Federal Student Aid ; and representatives in the XXXX XXXX XXXX  Forgiveness and Discharge department told me the loan servicers are handling reconsideration requests. I note that XXXX hosts the reconsideration form on its site and sent the confirmation email I received immediately after I filed the request, so I expect XXXX to know what is going on with my request. 

On XX/XX/XXXX, I submitted a formal complaint on the XXXX website. On XX/XX/XXXX, I received an email that did not acknowledge my specific concern but provided information I ALREADY HAD AND USED for Fed Loan Servicing and XXXX and stated my case was closed. 

On XX/XX/XXXX, I filed a complaint with the Pennsylvania Higher Education Assistance Agency ( PHEAA ) Office of Consumer Advocacy using my Fed Loan Servicing access. As you will see in the attached email correspondence, they continue to evade my question about the Reconsideration Request and provide me information as if they have not read my complaints.

I am EXTREMELY FRUSTRATED to learn NO ONE seems to know who is handling PSLF Reconsideration Requests and even more worried that no one is reviewing what is filed. Furthermore, I believe I am still owed {$2500.00}.
Consumer complaint received 2021-08-07
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. (VA)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 37 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) states plainly that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 37 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 data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-07-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: M&T BANK CORPORATION (MA)

Bought XXXX XXXX XXXX XXXX on XX/XX/2007. Struggled for 7 years to pay about 1000.00 per month. Argued about late charges went to court settled for XXXX over a year ago still have no title and can't use car. M and T bank have lied to me, harassed at work and threatened me with bodily harm.
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

My name is XXXX XXXX. I have a mortgage account of Wellsfargo. When I checked my credit report, I see 3 bureaus note that I pay this account late one time in 2013. I work with Wellsfargo and they admit they are wrong and remove late payment right away. However, this is still in my credit file even I had disputed several times with these bureaus that I have never paid this account late and I have evidence to show that.
Consumer complaint received 2020-10-19
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. (GA)

On the XXXX  for sure. The correct PAYMENT HISTORY is not reporting correctly for my XXXX Card # XXXX. It's showing only 2 months when it should show 5 plus years ... Please correct history ASAP!
Consumer complaint received 2017-09-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

My XXXX account, after many years, suddenly allows one of my valid payments methods to randomly change on various online companies, i.e., XXXX, XXXX, etc. 
I have made two calls to PayPal and both were redirected to offshore agents. Both agents claim security issues, but none coukd tell me the cause. When I demanded that an investigation be opened and I requested a case number they refused. 
Furthermore, I was told I could close my account and use a different payment method, however, this does not resolve the issue. PayPal refuses to follow up and act to provide me with proof that their security actions randomly activated are, in fact, not hacks or failures of their own system.
Consumer complaint received 2020-10-19
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. (NJ)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2018-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/18 Chase Called company to undo the over draft fees, stated they couldn't and wouldnt. 
I went under {$5.00} due to charges not being processed same day or same week. 
I was charged XXXX for over draft which put me at XXXX and charge again for over draft when I got drafted those XXXX, happened 3 times.
Consumer complaint received 2018-07-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EDvantage LLC (FL)

I have attended XXXX XXXX and not XXXX XXXX. 

Me and my husband XXXX XXXX both attended this college together in the same batch, and we both have identical problems with our student loan. 

I have been given XXXX balance statement by my college, than why is this collection agency calling me? 

They have told me it will spoil my credit report too. 

There is some thing wrong with this college and financial aid department. 

When I joined the college my loan was with Tuition Options, in between it got changed to XXXX XXXX, I did not make the change. I do not know who did that. 

Than after I was given XXXX balance statement, copy attached, than I get threat calls. 
Last call was from FCC headquarter Person name XXXX called, from phone no XXXX XXXX XXXX on XX/XX/2018 XXXX XXXX EST I am suffering. 

Can you please help? 

I was told while signup Every student gets 6 months to start to replay his/ her loan after course completion.
Consumer complaint received 2021-04-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NJ)

Used online banking to cut a personal check. Meaning the bank cuts a physical check and mails it USPS. They are withdrawing the money from my account the day they cut the check. Not the day its cashed. 

Thats illegal. If that person receiving the check doesnt want to cash it or the check doesnt even reach attended party. Why should Chase earn interest on the monies while that money sits frozen pending apposed to the owner me. This is Chase Banks online banking practice
Consumer complaint received 2018-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (WA)

Discover Card states that they closed my account for non-use in XXXX after sending me two notices by mail of their intention. However, I never received notification. I contacted them to reopen my account due to their being in violation of terms that require them to notify me prior to closing the account, but they have repeatedly denied my request and informed me I would have to reapply for a new card. 

They have damaged my credit score by closing the account ( and did not notify me as required ). I have no interest in reapplying for an account because that will further damage my credit score.
Consumer complaint received 2018-04-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

XXXX XXXX XXXX. 

LoanCare I was approved, as a XXXX veteran, for homestead exemption. in XX/XX/2018. I was told by the XXXX County Property Appraiser office, that they do not notify the mortgage companies, since, everything is done on line, the mortgage companies, can get the information on line, or call the XXXX County office. 

Since the date I was approved, I have called, and notified the mortgage company, on numerous occasions, that I was approved for this deduction. Everytime I called, I was told that it needed, to go to the tax department. I talked to the tax department on four ( 4 ) different occasions, and was told, that it would be escalated, to be taken care of. 

On XX/XX/XXXX, I was told that, I needed to provide proof of the homestead exemption. I sent a copy of the exemption letter to them, and it has still not been resolved. 

Another matter is that on XX/XX/XXXX, I submitted a house payment, when two ( 2 ) days later it did not show up in pending payments, I assumed, I had not correctly submitted the payment, so I submitted a payment again. On the XX/XX/XXXX, it showed as a payment pending, I spoke to a representative who assured me that the payment submitted for XX/XX/XXXX would not go through. On XX/XX/XXXX a payment was submitted to my checking account which charged me XXXX, I called the customer service department again, and was told that they could not stop payment. 

I was told that, even though, I called on XX/XX/XXXX, they would not stop payment. So I was charged twice ( 2 ) by XXXX {$29.00} for non sufficient funds, and I received a notice on, XX/XX/XXXX, from  the mortgage company, for {$49.00} return check fee.
Consumer complaint received 2018-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (NC)

On XX/XX/2018 Mr. XXXX was denied a credit limit increase for reasons that were not relevant in XX/XX/2018 when a credit limit increase was approved and eventually granted. This is a direct violation of the Equal Credit Opportunity Act ( ECOA ) as stated by FDIC Compliance section IV 1.1 " A lender may not refuse to extend credit or use different standards in determining whether to extend credit. '' In XX/XX/2018 a credit limit was granted, in XX/XX/2018a credit limit was denied. Same credit reports, different results, different standards.I have attempted to resolve this with no resolution at the executive level. No success.