davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-06
Product: Credit card — 
Issue: Delinquent account — 
Company: Synovus Bank (DE)

At one point I had troubled credit. I applied for a First Progress secure card. I started out with a {$300.00} limit due to that being the amount of my deposit. I fell on hard times and was not able to continue to pay. I stopped paying the card in which I assumed the deposit would be used to satisfy the debit and account would be closed. Now they are report the account as charged off due to late fees that accrued on the account for XXXX months. In addition, with the item being charged off they are reporting the items as currently delinquent. My problems are below 1. How can a company report something past due each month if the account is charged off 2. How can a company over draw a secure account with fees if the usage of the account never let me overdraw the account? 
3. The company was not able to reproduce my original application to show validity of account.
Consumer complaint received 2022-05-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IA)

I filed bankruptcy in XXXX but my lawyer would not include my student loan because Sallie Mae told me it was not eligible. I didn't even get the chance to ask a judge. I was told there is no Income-driven repayment plan available for me and that my loans would never be discharged after 20-25 years. I remember that day clearly because any ounce of hope I had left of being relieved of this burden left me in an instance. I attended XXXX XXXX XXXX XXXX XXXX XXXX at the Cooking and XXXX XXXX of XXXX which has since been closed down due to misleading students when it came to their private student loans. I submitted an application for loan forgiveness through the Borrow Defense program but I was denied. I submitted an application for reconsideration in XXXX of XXXX but have never received any other correspondence. My original loan amount in XXXX was {$33000.00}. As of today, almost 20 years later, I have paid over {$51000.00} back and I still owe over {$49000.00} due to interest and fees. That is just in private student loan. That does not include my federal student loan. The latest I ever was on a payment was 2 days short of going into default. I begged family members for money to make a payment to avoid going into default. Today I find that was a crucial mistake given the new settlement that I may have been eligible for if I had just let it go. My grandmother was my cosigner because my credit score was too low to get the loan on my own. After constantly being late and missing payments, my grandmother was so upset that she stopped talking to me. Unfortunately, we were unable to mend our relationship before she passed in XXXX. This is the story of thousands of private student loan borrowers, not just myself. It really is sad that this has happened to so many Americans who were just trying to better their lives. Now I sit alone because I'm so far in student loan debt that I can never get out. Which means I can never buy a home, or build a family. I can never get married with this financial burden.
Consumer complaint received 2017-02-01
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (PA)

I currently have a private student loan with XXXX serviced via AES. I have made several attempts to have my monthly loan payment lowered. I have been given conflicting information from several different agents. First I was told that I had to apply with my cosigner 's financial information which I later found was untrue. Then I was told that negative remarks on my credit would be back dated after I applied for loan modification. I was also told that information was missing from my application which was also untrue. ( XXXX AES supervisor did n't know I was on the phone and expressed how she was happy that I hung up. ) After months of attempting to lower my payments, I finally got my application in. I was denied because XXXX felt that based on my income and expenses, I would not be able to afford the lower monthly payment they were willing to offer me. If I ca n't afford the lower XXXX how do you think I can afford the higher payment? AES sets you up for failure and bad credit and it 's absolutely unfair.
Consumer complaint received 2022-04-25
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: Fidelity National Information Services, Inc. (FNIS) (NC)

I sent a cease and desist to CHEX SYSTEMS which also included debt validation of accounts listed which were XXXX XXXX and XXXX XXXX. I received results from XXXX XXXX but no information in regard to XXXXXXXX XXXX. The closure status is UNPAID but an amount is not listed. Chex Systems received my letter on XXXX and failed to provide a competent investigation. Please remove XXXX XXXX immediately from my consumer report and send an updated file.
Consumer complaint received 2017-02-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CO)

XX/XX/XXXX : Citibank promised me a {$400.00} bonus for opening a checking account. 
XX/XX/XXXX : Citibank reneged on this promise. 
XX/XX/XXXX : I filed a complaint XXXX with CFPB. 
XX/XX/XXXX : Citibank promised to pay bonus on or around XX/XX/XXXX. 
XX/XX/XXXX : Citibank again reneges on promise. 
XX/XX/XXXX : I filed a complaint XXXX with CFPB XX/XX/XXXX : Citibank promised to pay bonus in 48 HOURS and left contact number XXXX XX/XX/XXXX : After waiting 12 days, still no promised bonus. Voicemail messages to given number go unanswered XX/XX/XXXX : I filed complaint XXXX with CFPB XX/XX/XXXX : Citibank responds they need me to send them XXXX, despite fact they have my SSN and have issued XXXX XXXX XX/XX/XXXX : I mail Citibank IRS Form XXXX as requested XX/XX/XXXX : I logged 7th unanswered voicemail left at number given by Citibank XX/XX/XXXX : I logged 8th unanswered voicemail left at number given by Citibank XX/XX/XXXX : I am filing my 4th complaint on this issue.
Consumer complaint received 2022-08-23
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. (UT)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX has violated my rights. 

15 U.S.C 1681 section 602.A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2018-12-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST MIDWEST BANCORP, INC. (IL)

I on XX/XX/XXXX paid my internet bill, when I looked in my bank account I noticed another charged from XXXX XXXX XXXX, for {$27.00}. I immediately started to talk to XXXX XXXX XXXX about it told them I don't have service with you anymore I have a different phone service. Called my bank ASAP closed my debit card was issued a new one and reported to XXXX XXXX XXXX my cell phone that had the app on it had been stolen from me shut down auto pay and the phone I didn't authorize the payment. I have had to call supervisors and they have done nothing to refund my money.and the bank just don't care
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (VA)

I am a XXXX who is utilizing the Public Service Loan Forgiveness Program ( PSLF ). I recertified my loans XX/XX/XXXX and switched loan programs from the IBR to the Pay as Your Earn program. I called multiple times XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to make sure the forms were filled out correctly and everything would be processed on time. Despite my efforts, the forms were not processed correctly. I should have only been billed for a {$5.00} forbearance payment in XX/XX/XXXX ( mandatory to switch to PAYE ). However, for some reason my forbearance was not processed correctly and I was billed my normal payment amount of {$650.00}. Further, if I made this payment it would not count to the PSLF program. I was told on multiple occasions that I would receive a new bill for only {$5.00} sometime from XX/XX/XXXX to XX/XX/XXXX but that bill was never received. I called again on XX/XX/XXXX and was told the forbearance was not processed and I had to submit a new forbearance request. This new request was finally processed on XX/XX/XXXX and due to that, my forbearance payment would not be made until XX/XX/XXXX and I would not officially be recertified under PSLF until XX/XX/XXXX. As such, I am losing 2 months worth of payments that should be eligible under PSLF ( in addition to the one month forced forbearance to switch to PAYE as well ). The loan company essentially told me there is nothing they can do despite that I did nothing wrong, called multiple times, and was very proactive in trying to prevent this problem. This is very typical of my experience with the loan company and the PSLF program. Every year, either my wife or I have issues recertifying for one reason or another. Many times the loan company just miscalculates how much our payments should be.
Consumer complaint received 2022-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2016-08-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I signed up for Citigold checking account which had a promotion for XXXX XXXX XXXX miles. After meeting the requirements and confirmation of meeting requirements by Citi Bank, it has taken multiple calls and messages to get the miles posted to my account. I have contacted them again today on XXXX/XXXX/16 to sort it out and have saved the conversation and their incompetence at handling this issue even with reference to said case number. After 6 months of trying to sort this out on my own and given false promises of when my points will post, I am reaching out to the CFPB to help my case.
Consumer complaint received 2018-06-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc. (VA)

Medial treatment done XX/XX/XXXX and Hospital claims I had no medical insurance. Went to Urgent care earlier that same day and that claim was processed XX/XX/XXXX per Urgent care office. I received a letter from AR Resources showing debt went to collection. Did not received letter from Original creditor, who was XXXX XXXX XXXX XXXX, XXXX. AR Resources placed collection on credit XX/XX/XXXX for {$710.00} and {$51.00} separately. the {$51.00} debt was paid through Insurance claim XX/XX/XXXX. The {$710.00} was paid per Healthare provider. The original creditor never processed claim, stating I had no Insurance and per new rules on Medical debt, must be 6 month prior to sending to collections. Collections placed XX/XX/XXXX. I've disputed this in XX/XX/XXXX. XXXX has also stated per phone call that it was procedded through claims.
Consumer complaint received 2022-09-15
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. (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CONTRACT CALLERS INC (VA)

I have reached out to Contract Callers several times about removing the collections on my credit report. They assured me over the phone that if I paid the remaining balance that they would immediately remove the collections from my account. However, it is still sitting on my XXXX report. I called them to make them aware of the situation, and they told me to send screenshots and that they would remove it. That was almost a month ago and it is still on my report. I would like for them to honor what they said and remove this collections account from my report completely.
Consumer complaint received 2020-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

Got my statement today, and was shocked by the shortage of funds supposed to be applied to my principal balance. You take my XXXX balance, they should have applied between {$270.00} to {$280.00} dollars every month at this stage of the loan. Subtract the 2 balances between XX/XX/2020 and my XX/XX/2020 statement of today, you end up with a {$60.00} dollar reduction a month for my last 3 payments of principal balance. All payments to them and ANY creditor has never been late, and why my credit score is in the 800 's. 
I have filed complaint to CFPB 3 times in the past, and today after 1 1/2 hours on the phone , XXXX admitted a new fact to us, that LoanCare made another error in applying my funds, and this time it goes back to XXXX of last year and only part of a check was applied wrong according to XXXX from Management she says.

CFPB has 3 complaints from me, and today is a new one and my principal balance is short better than {$650.00} dollars! 
CFPB has already taken action towards LoanCare in Virginia, and I think CFPB should take action once again, you have misapplied funds another time with just my account and of course it is my principal balance is cheated, LoanCare lied to CFPB about late payments, did not respond to the contents of my prior complaints, but dropped, you have state and federal laws broken. 
I am filing yet another complaint by an out of control company being allowed to do exactly that. I will see what CFPB does this time, and will pass on the information as instructed by CFPB employees to various people in Washington. 
Thanks, XXXX XXXX
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (KS)

XXXX XXXX bank - mortgage account- too old to be on report ive tried to get it removed XXXX - equifax and XXXX first went delinquent in XXXX - cant stay on XXXX after opened was paid in full due to insurance coverage
Consumer complaint received 2022-05-05
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. (IN)

In accordance with the Fair Credit Reporting Act : XXXX  Acct # XXXX ( Personal Loan ) XXXX XXXX XXXX # ending in XXXX ( Credit Card ) XXXX XXXX Acct # ending in XXXX ( Credit Card ) XXXX XXXX Acct # XXXX ( Collection ) XXXX  Acct # ending in XXXX XXXX XXXX Acct # XXXX Bankruptcy XXXX XXXX Reference # XXXX Bankruptcy XXXX XXXX Reference # XXXX have all violated my rights. 
15 U.S.C. 1681 Section 602 A. states I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without written instruction.
Consumer complaint received 2022-07-30
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: Chime Financial Inc (AZ)

From XX/XX/2021 to XX/XX/2021 I had numerous unauthorized transactions totaling in {$2600.00}. I was at this time incarcerated and unable to make these purchases. I have tried to file fraud charges with Chime multiple times only to have them continuously denied my claim. I was able to recover some of the money however I am still needing a total of {$2400.00} from Chime. I have given Chime proof of incarceration from the state of XXXX police report number, and an affidavit of stolen identity. However, Chime is still refusing to return the money from the fraudulent charges or even flag these charges as being fraudulent so that we may get assistance from the sellers To find the person who actually used the card. Chime is claiming that they find nothing wrong with their transactions however I have given them proof that I was behind bars at the time of these transactions therefore making All of these transactions are an authorized. I am needing the funds to be returned and I am needing these charges to reflect as fraudulent so that we may find the actual perpetrator. I have multiple documents that I can include if there is a place to upload.
Consumer complaint received 2022-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

CHASE BANK refuses to acknowledge internal policy of disputing charges. I am unable to dispute multiple fraudulent charges after a " payment is made to a company ONCE. '' The FIRST transaction with XXXX was fraud after my phone was stolen. Since business was done with XXXX, at a prior date, and a payment was made, I am unable to dispute any additional transactions, despite the fact I did not make the first transaction with XXXX Especially since they used a mismatched address. But, since I did business with XXXX  I can not dispute the fraudulent transactions? This makes no sense to me and I have gotten no where with the bank since filing the initial dispute. Furthermore they refuse to work with me, passing me from department to department, without any contact names or numbers to try to follow up on these issues. I have spent at least 4 to 5 hours on the phone with chase already.
Consumer complaint received 2022-07-30
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 sent a letter on XXXX XXXX requesting that the Credit Bureaus reinvestigate the disputed accounts from my credit report as well as temporarily remove or update these accounts from my report during the investigation period. As of this date, you have failed to respond to my request. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Again, please reinvestigate if the following accounts as they are inaccurate, incomplete and outdated. 

XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$500.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter on XXXX XXXX requesting that the Credit Bureaus reinvestigate the disputed accounts from my credit report as well as temporarily remove or update these accounts from my report during the investigation period. As of this date, you have failed to respond to my request. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Again, please reinvestigate if the following accounts as they are inaccurate, incomplete and outdated. 

XXXX XXXX  XXXX Balance Owed : {$13000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXBalance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$500.00} XXXX  XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-05-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A. (CO)

I emailed the company on XX/XX/XXXX for a PMI waiver request as our home is worth significantly more than we bought it for so we're above 22 % equity, and it said I would get a response within 30 days and never did. I responded on XX/XX/XXXX to confirm they got my waiver and got the exact same 30 day automatic email response. I then messaged them and they said I would have a response within a few days. After not hearing anything I emailed AGAIN on XX/XX/XXXX and got the SAME automatic email. I then messaged again and they said they were working on it. I messaged AGAIN and the service rep I spoke with blamed me multiple times for the late response and said it would be 30 days from when I messaged her, which at that point was a solid 45 days after my waiver was sent. I messaged last Thursday and was told they flagged it so it would be a priority and got an email on Friday saying the matter was closed. I messaged on Tuesday to confirm as I hadn't gotten a response still, and they said they didn't know why it was closed and had to re-open my case. I then messaged again today and they said it was flagged but still hadn't been completed. It has been almost 60 days since I sent my initial email, meaning I'm paying additional PMI that I shouldn't be because they won't respond to my request so they can continue making an additional XXXX dollars off of me every month.