davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-08
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: AES/PHEAA (PA)

I have a federal loan with AES that I had perfect payment history on until they randomly locked me out of my account and were unable to resolve the issue so I began mailing in payments as opposed to sending them in electronically. I submitted numerous payments I have documented that actually put my loan account ahead of by overpaying every few months. At some point AES claimed I was 60 days behind on payments and put a delenquent mark on my credit report without notifying me. I have since resolved the issue and disputed the delenquent mark on my credit report, which caused my credit score to drop 100 points overnight, with AES however they just said No its a federal loan they cant do anything. I am currently in the process of getting a mortgage loan and the delenquent mark on my credit report is costing me getting a good loan rate. If you look into any credit Ive ever been extended you will find I have never been late on payments for anything. I feel there is something that should be some courtesy extended given my payments history as well as the circumstances in which an error was made on the part of the lender.
Consumer complaint received 2022-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX Purchased a XXXX XXXX XXXX through the chase ultimate rewards portal. I was give 4-7 days estimated shipping XXXX the item had not shipped so I called Chase to cancel the phone as it would not get to me in time. 
XX/XX/XXXX I received an email that my shipment was delayed. 
XX/XX/XXXX received an email that my item had shipped. 
XXXX received at some point between XXXX ( I was out of town XXXX XXXX I called chase to return the XXXX that I had cancelled and them informed me I needed to call the Ultimate rewards team for a return. 
spoke with the ultimate rewards team and they would not accept my return. 
XXXX  I spoke with Chase supervisor and they said there was nothing to be done. They let me know they see notes from when I called to cancel the phone but they did not process that cancellation request until after the phone had shipped. They informed me that a letter would be coming explaining this. 
XXXX I received a letter from Chase dated XX/XX/XXXX letting me know they were unable to cancel the phone because it had already shipped on XX/XX/XXXX.
Consumer complaint received 2023-05-22
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2023, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2021-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (VA)

Card was charged XXXX dollars by rental company on a fraudulent charge. 
I disputed this transaction. Citi denied my dispute. Credit limit on this account was XXXX so because of this I was XXXX able to make the minimum payments and due to COVID not working and on UE Assistance. Reached out to Citi for pandemic assistance and was ignored. Due to not being able to pay the minimum the company charges me a XXXX dollar late fee every month. Which adds to the balance. They closed the account and continue to charge me XXXX dollars a month late fee. XXXX due is now XXXX dollars with a total balance of over XXXX. 

Ive contacted city XXXX separate times to resolve this and set up a payment plan. Citi has denied me multiple times as my account didnt qualify. They provide no reason why only that the process is automated. Citi continues to call me no less than 4 times a day leaving voicemail after voicemail, to bring the account current, however citi is unwilling to help or set up a payment plan. 

Last rep spoken too is named below. 
XXXX XXXX Previously before this my call was ended prematurely by a citi rep while I was asking questions.
Consumer complaint received 2021-03-03
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)

Credit score was lowered drastically more than XXXX points based in incorrect balances, incorrect credit limits and definite incorrect usage % They have provided data that clearly shows they are in error and have caused damage and personal hardship.
Consumer complaint received 2017-07-03
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (NJ)

I was scammed by a company named XXXX XXXX who contacted me an told me they can get me into a student loan forgiveness program under the Obama act who would pay my loans in full if I pay this company XXXX and then XXXX a month. I found out it was a scam because it was actually loan consolidation that I could have done myself. And I stop payment on my bank check but they wo n't come off my credit report. Please help. I read on bbb they have scammed a lot of people after signing up with these people. I feel stupid. Please help me. Thank you.
Consumer complaint received 2021-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (OH)

On a letter dated XX/XX/2021 that I received via mail, it stated that Wells Fargo closed my credit card account as of XX/XX/2021. It stated the reasons why it closed my account which is as follows : 1 ). Amount owed is too high relative to the credit limit on too many credit cards 2 ). Percent of credit accounts with late payments of 30 days or more 3 ). Bank card balances are too high relative to credit limit I had paid off my total balance on this credit card months ago. The first and third accusation are not true or accurate because of this. Also the second accusation is not true because I was never late on payments since my account was on autopay. When I called Wells Fargo credit card account services the representative told me the 30 or more late payments accusation had nothing to do with Wells Fargo. That in itself does not make any sense whatsoever. All she told me was that Wells Fargo had deemed my account too risky to keep open. 

I believe my credit score and report has suffered because of this closure.
Consumer complaint received 2022-04-24
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)

In accordance with the fair credit Reporting Act XXXX Account XXXX 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 instructions.
Consumer complaint received 2018-11-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank, XXXX Florida is the company for my medical credit card for {$800.00}. This year starting in XXXX, I initiated a repayment plan. When I asked the minimum amount allowed per month ( {$69.00} ), I  was misinformed. I was charged {$200.00} in XXXX and {$69.00} every month til present. In XXXX, I noticed that my balance was not changed, I called to inquire & I was told credit report wasnt updated ( bi-monthly ). In XXXX I still noticed no change to balance & When I asked, I was told that no one had information for me about the details on my account and that I would have to file a complaint and that it would take 30 days for them to respond. Two months go by and then I call again for answers And the woman on the phone tells me that she cant give me any details but I can make a payment to avoid punishment. I told her I cant make a payment until I know with the balance is and what is going on with the account because there is something wrong. They still did not answer me and instead reported me to the credit bureau and dropped me and raise my balance. I was forced to pay the balance in full just to protect what little of my credit is left but they have damaged me to the point of 100 points and still have not ever answered my complaint.
Consumer complaint received 2021-03-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (CA)

On XX/XX/XXXX, after being advised on multiple occasions via the channels that have serviced my student loans with American Education Services ( AES ) /NCT, I was advised by AES XXXX that they are unwilling to assist me with placing my student loans on a Natural Disaster Forbearance for several natural disasters which have affected my employment including the Bond Wildfires in XX/XX/XXXX, and the California wildfires in XX/XX/XXXX, both as declared by XXXX XXXX This, in addition, to the severe hardship I am still encountering due to COVID-19 financially and medically, as explained to AES Servicing on multiple occasions via phone and in writing. 

AES is arbitrarily denying my request for assistance, even in lieu of the Natural Disasters for which my loans qualify. In addition, in working with AES, I was advised that they are able to complete an in-house Exception Forbearance when the lender ( NCT ) does not respond, and at present are now seemingly unwilling to do so even in lieu of processing this previously and advising me that this could be done again should my severe hardship perpetuate as it has. I feel that at this time, I am being unfairly treated by this company, whom is unwilling to assist me during an exorbitantly difficult time, even in lieu of all of the documents requested being provided including proof of unemployment due to COVID-19 and the documented natural disasters as described. I have also contact AES XXXX XXXX XXXX XXXX, and the Executive Office, with my contacts going unanswered by the Executive Team. 
At this time, I am requesting immediate contact from executive management to assist me in placing these loans in a Natural Disaster forbearance as previously promised and advised to me via these avenues.
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have an open and active account with the XXXX XXXX XXXX XXXX XXXX and have had the account for XXXX years and XXXX months. The card is reporting to the bureaus that the account is closed when it is an open/active account. This improper reporting is affecting my credit age so it looks like I have just started receiving credit XXXX year ago instead of XXXX and a half years ago. I have reached out to the lender and made disputes with the credit bureaus and no one has made any changes.
Consumer complaint received 2018-03-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (PA)

I made a payment of my Lowe 's card on XX/XX/XXXX, and had no issues with payment. I made my payment of XX/XX/XXXX, and on XX/XX/XXXX, I receive an email stating that my payment was past due. I logged into my account and looked to see if the payment did go through and it did. 

I called the number on the email and spoke with the representative and he told me that I paid my credit card too early and that the amount that I paid went towards the balance and doesn't count as a payment. I have never, ever, had any issues with any credit card that I have in regards to paying it early. 

XXXX XXXX has been playing games with the credit card by taking away the credit that they gave me, then raising the payment amount. I have never been late for a payment, but I guarantee that I am spreading the word about this issue. I have contacted Lowe 's and they stated they are sending it upwards. 

I am also spreading the word to Veterans groups that I belong to because this is not a way to do business. There are a large number of complaints with the XXXX in regards to this company, but they still have a high rating. I smell a rat!!
Consumer complaint received 2021-07-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I have sent certified letters to each bureau requesting the debt be verified and to no avail. Here are the items on my report : XXXX XXXX XXXX # XXXX, XXXX  XXXX  & XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX, XXXX, XXXX. Also XXXX XXXX  XXXX # XXXX.
Consumer complaint received 2020-01-29
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

Some time in XXXX-XXXX, Citibank opened a checking plus account without my authorization. The only authorized accounts I have with Citibank are checking and savings. In XX/XX/XXXX, I inadvertently wrote a check for an amount that was larger than my checking account balance. The check wasn't honored by the financial institution where the recipient of the check attempted to deposit it. I then immediately transferred an amount sufficient to cover the value of the check from my savings account to my checking account and wrote a new check. The new check was honored. Unbeknownst to me, Citibank activated the checking plus account, gave me a loan I didn't ask for and deducted interest payments form my checking account, all while having dishonored the original check. Upon learning of this in XX/XX/XXXX, I immediately paid off the " loan '' by transferring money from my savings account to the checking plus account and asked that Citibank refund the interest it has been charging. I also asked for a copy of the account opening agreement for the checking plus account. Citibank, citing the " research '' it conducted, refused to refund me my money. Citibank also failed to produce the account opening agreement, with no explanation.
Consumer complaint received 2021-06-30
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: SinglePoint GI (DC)

I have received several calls and voicemails ( this also happened to me 10 years ago - same exact message and calls reported ). Received on my cell and at work. " This is important message is from General Revenue Coporation from XXXX XXXX the LAW requires that I notify you that I'm calling from a debt collection company this not an attempt to collect a debt and any information obtained will be used for that purpose. Please call us back at XXXX XXXX. '' They called at XXXX pm on XX/XX/XXXX and left a voicemail on my cell phone They called again at XXXX XXXX on XX/XX/XXXX XXXX and left the exact same voicemail on my work phone and called my cell phone but did not leave a voicemail. 

I have not received any mail from this debtor. I would not like any more calls from this number. 

I sent them an email today asking them to send me a formal letter with the original debtor, amount, and no calls until I receive this letter within 30 days. 

Thank you.
Consumer complaint received 2022-09-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc. (TX)

XXXX contacted a family member three times by phone, and at least one time by text. During the second call he told them that wasn't my number and not to call. They proceeded to call him a third time. They only stopped when I called them and told them they can't do that. On XX/XX/XXXX I requested they send me information about the debt in the mail, because I haven't received anything. They claimed they sent it in XXXX, but I never received it. I asked they send it again. I still haven't received anything. I talked to them again today, XX/XX/XXXX. I asked again to have the information sent to me in the mail, and they again claimed it was sent in XXXX. I again explained I never received anything in XXXX, and have already requested on XX/XX/XXXX that information on the debt be sent to me again since I didn't receive what they claimed to send in XXXX. I'm already paying the company they say I owe monthly, so I need to verify this isn't the same debt. I already called that company on XX/XX/XXXX, and was told they don't show anything was sent to collection on their side. I'm simply trying to verify this is a legitimate debt, and XXXX is being uncooperative.
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AL)

I have been having problems with Equifax for years now. I have had them have my report messed up and I called many times to try to get them to fix. XXXX thing was they were showing collection and saying the company came back and said I owed but never could say how they information was verified. I had bill from my card company too show the amount paid and to whom so there was no way information was verified. 

Now I admit having some credit trouble years ago but since then I have not missed a payment in going on XXXX XXXX years but my score with them has never moved from XXXX. I now own businesses and make whole lot more money than when I was XXXX XXXX. Got new cards, cars and loans paying all on time and yet my score never moved. I sent letters asking about the score and got nothing to tell me why. Then this second to last mail sent I sent them a copy of the credit card payment asking then how could they have verified information when I am sitting with proof. And then I asked why my score has not changed. Nothing back but looked like they removed the collection that was there for years even with me disputing it the whole time. So I sent a last letter about a medical bill that was from when I was XXXX XXXX. I told them cant be any bills from when I was XXXX because all medical was always covered 100 % by Tricare I have never paid a medical bill while I was XXXX in the military. And at the bottom I added what about my score. So today I look and see my information is showing score at XXXX ... .and shows no information connected for my current bills... This is just long list of bad reporting and that has cost me money in the long run or missed loans. They once had my fathers information on my report. I can prove that as well. They also have been getting {$5.00} a month for a very long time but I could not even access the information and complained yet they never refunded me and still pull money to this day. I had to buy a higher level to finally see my information so I am paying them XXXX and yes that can be proven too. The times I called can be back by my phone records and the letters can be backed by the XXXX offices cause I always send that way. 

This has been going on for years and every effort made has been met with no help on their side and yet they share bad information with companies I try to get credit extended from.
Consumer complaint received 2022-08-07
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. (PA)

Equifax and XXXX, XXXX have violated my consumer rights with reporting fraud accounts on my credit report. I tried countlessly to report the issue with them but they keep send letters back in XXXX saying the accounts is verified. I sent letters back asking their method on verifying the account, i also ask to send me the original document stating how I owe these frivolous accounts. but no response. I would like these accounts deleted from my credit report immediately.
Consumer complaint received 2022-01-07
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. (PA)

Hello my name is XXXX XXXX and iI 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

Equifax has placed inaccurate on credit report and the dates are followed Closed XX/XX/XXXX and XXXXXXXX XXXX date is XX/XX/XXXX. There is inaccurate information being reported by Equifax.
Consumer complaint received 2018-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

Chapter XXXX bankruptcy is invalidly reporting on credit bureaus have contact them to get it removed and all three major credit bureaus refuse to remove it. Along with bankruptcy the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  these are not my accounts they are on my report as a result from ID Theft ; credit agencies also have copy of police report and ID Theft Report # : XXXX.
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

i currently have a credit card with XXXX XXXX, the card is the XXXX credit card and the credit line is XXXX. This information is missing from my credit report.