davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (OH)

Between XXXX and XXXX of XXXX, i attempted to have my payments re-structured, to help lower the payment. I had come into some bad health issues at the end of XXXX, as well as moving home XXXX miles from XXXX due to these health issues. I did not want to put it into forbearance if i could've avoided it, but my income had become drastically smaller and throughout this whole process, i was missing payments. 

I am back in good health now and have started an XXXX program and now me and Fed Loan servicing seem to be on good terms. I am trying to start my life over and these missed payments from XX/XX/XXXX - XX/XX/XXXX are keeping from being able to do that. I only want a chance to live a normal life and i do not think that punishing someone for XXXX XXXX years because they were sick and unable to make payments for a few months is fair. 

If you will look on my credit report, there is evidence of payments to them up until XX/XX/XXXX, though in my attachment, the payment history downloaded directly from my Fed Loan account reflects no payments made on the loan. I can find bank statements if need be, but it proves Fed Loan not only is incorrectly reporting missed payments, they don't even update their own statements to reflect true payments. Those 7 months should have reflected a deferment but instead have damaged my XXXX XXXX tremendously as " missed payments. ''
Consumer complaint received 2020-10-07
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. (TN)

My name is XXXX XXXX. My father XXXX XXXX XXXX name shows up as my alias on my credit report. He denies having anything to do with my credit. However, as a young adult utilities at his home were showing up under my name. Id like this issue corrected and anything attached to his name removed.
Consumer complaint received 2018-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (OK)

OnXX/XX/XXXX I electronically paid my Discover card in full, {$5900.00} as I always do every month.. On XX/XX/XXXX I had a purchase declined and then again onXX/XX/XXXX. On XX/XX/XXXX, I contacted Discover card to find out why. They told me they had never received my payment.I verified with my bank that it had been paid, received by Discover card and processed. When I told Discover they said again they had not received payment. After much time and frustration on hold, Discover card said they had applied my payment to another old Discover card of mine which THEY had closed over a year ago because of what they said they needed because of possible breach and potential fraud. When I asked them to transfer the payment to my current card, they said they could not do that. They told me they needed to send me a check which would take abut 5-7 days. In the mean time they said I needed to pay the credit card bill and they WOULD TRY, to take care of any interest or penalty when they received my new payment. Really? The main thing that upsets me about this is they never send me a late notice or anything, they just put a hold on my account which is very embarrassing as a business owner when I am trying to pay for services. I have outstanding payment history with Dicover card as well as all other account I have. I have excellent credit, XXXX credit score last time I looked. When I told them that I wanted all this noted on my account and any negative credit to be addressed. All they told me about the incident is, MISTAKES HAPPEN. Would they accept this answer from me. I think not!
Consumer complaint received 2018-03-26
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (WI)

Last week, I received a message when I tried to login to my Chase account online that told me my checking and savings accounts were being closed. I immediately called them and they confirmed they were closing my accounts, but they couldn't provide a reason why. I then went into the closest Chase branch ( where I had opened my accounts ), and tried to get my money out. The banker there told me she could not give me money. I had XXXX in my accounts, so this is not a small amount of money. She gave me the same number I had called before and told me to call them. They told me they are holding my funds while they investigate my accounts. I'm not sure why they even closed my accounts in the first place, but it is ridiculous that they can hold my money after they close them. I want a check mailed ASAP for the balance of my accounts so I can pay my bills. Thank you.
Consumer complaint received 2018-02-27
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. (OK)

In XXXX The company let me know it is unable to respond because your complaint involves the same issues raised in pending or prior litigation. Here it in XXXX and the case is still being reported as Open and late on Payments. The company is XXXX. The have reported to the three credit bureaus antiquated informations on my name for the last seven years. They have stated that i have an education loan from XXXX and XXXX and reported that I have been late. The account was discharged in my bankruptcy for the school not being accredited. Every month XXXX is playing with my credit score, they will report it closed, then open, then up to date. This is causing a great deal of stress on me and I am in the process of filing a lawsuit.
Consumer complaint received 2020-05-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (TX)

My wife and I have not always been stellar with our finances but weve continued to become better with money. We have made payments on our debts even in this COVID-19 situation the best we can. We recently got a letter in the mail regarding an outstanding debt with Synchrony Bank from a collection service. We had been making payments from XXXX to XXXX. We used to card only one time to pay for some car repairs that were needed. Never again. Some of those payment we made were never reflected on our account and we then made a payment of {$600.00} in XX/XX/XXXX, which should have almost paid off the debt. We never heard anything else and thought it was taken of. Not until this year ( XX/XX/XXXX ) did we hear anything else after submitting a dispute later in XXXX. Now they are submitting info to a collection agency causing a drop in our credit after no comms. for nearly 2 years. We need this rectified and I will NEVER use Synchrony or any other 2nd hand credit company again. Thank you for your time and careful consideration on this matter. 

Sincerely, B, R.
Consumer complaint received 2020-05-08
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. (NV)

These creditors listed are not mine, nor is the Bankruptcy. I also listed companies that have pulled my credit, and I did not authorize them to do so. I am also exempt from any student loans as I am a XXXX XXXX   XXXX  and XXXX XXXX Veteran which by law I am no longer responsible for any student loans.
Consumer complaint received 2020-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Not only did it take months for them to correct a clear dispute for over {$1000.00} they were advised card was lost stolen and account compromised never had any issues they closed the account despite having been provided with bank memo reps stated this was being corrected And reopened yet it has not been as of yet
Consumer complaint received 2020-05-08
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. (AZ)

I have requested verification According to the Fair Credit Reporting Act, To the credit bureau 3 times according to Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all account request also on the 4th letter i requested for the description of the procedures used to determine the accuracy and completeness of the disputed information, in compliance with the Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) and none of this was provided to me they only send back a letter saying is been verified. 

they did not comply I have been requesting this information to them for over 6 months already and they are still reporting without verifying the accounts
Consumer complaint received 2020-05-08
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)

UNAUTHORIZED INQUIRIES FCRA FTC VIOLATION 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX 5. XXXX
Consumer complaint received 2020-05-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have filed a dispute in regards to incorrect items on my credit report on XX/XX/2020. I followed up with 30 day demand to comply letters. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2021-05-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I have received a copy of my credit report and it shows company XXXX XXXX XXXX : XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$98.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2020-05-08
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A. (CT)

I am complaining about Citibank 's penalty of {$110.00} on XX/XX/2019, when I withdrew the CD money right after I finished the 6 month term and they automatically renewed into a new 6-month term with much lower interest rate. 

I opened a 6 month CD with Citi Bank on XX/XX/2019, expecting to mature on XX/XX/2019, by definition of 6-month. To my surprise, it expired 2 days earlier, and automatically renewed into a new 6-month CD with 0.75 % interest rate. This was much lower than before and than competitors ', so I went to the branch to discuss with a banker on XX/XX/XXXX. She said had I talked to her a day earlier, it was still within the grace period, and they could have offered a much higher renewal interest rate for the new 6-month term, but that day I would have to pay penalty to change to the new rate ( at least 1.5 %, but I can not remember clearly ). I argued that I thought the original CD expired on XX/XX/XXXX by definition, so that day ( XX/XX/XXXX ) was still within 7 day grace period. She was empathetic and called Citi Headquarter to try to waive the penalty, but was declined. 

I found 3 fishy practices here : 1. Citi named it XXXXmonth CD : it started on XX/XX/2019, but it matured 2 days before XX/XX/2019. So the customer had a shorter window to respond to its inferior renewal offer. 
2. Citi has 7-day grace period for CD but competitors like XXXX and XXXX have 10-day.  Again, the customer had a shorter window to respond to its inferior renewal offer. 
3. As long as I talked to Citi within the grace period, I could have had much higher interest rate for no cost. Otherwise Citi would silently renew the CD with a very low interest rate. Citi is banking on customers ' ignorance and financial illiteracy to make a profit. 

4 days later, I paid the penalty and withdrew my CD money.
Consumer complaint received 2020-05-08
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (MA)

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-05-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (FL)

I saw a collection balance on my credit report. I called collection agency. No one wanted to help me as the collection amount was inaccurate. I asked the collection agency to very the correct amount with the phone company, they refused to follow protocol. They sent me back to XXXX to dispute. When I call XXXX, all of the representatives did not want to help me. They said account was over 4 years ago. They did not want to send me any billing statements to prove the amount they are asking for. Instead, I was transferred to many departments, hung up on, and outside of country representatives that did not care to help me resolve this balance. I even told the representative that I received a final letter that states if I did not pay {$590.00} within 7 days, that balance will be sent to collections. Please explain how a final bill of {$590.00} turn to {$1300.00}? I explained I will only pay {$590.00} as stated on my final bill. They said I need to pay {$1300.00}. I need help.
Consumer complaint received 2017-12-05
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. (AZ)

On XX/XX/XXXX I sent letters to Equifax, XXXX, and XXXX requesting that they add five consumer credit accounts to my personal credit profile, and asked that they reply when the information had been confirmed and updated. To this date, XX/XX/XXXX, I have not received a written response from either one of the Credit Reporting Agencies.
Consumer complaint received 2020-05-08
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)

XXXX continues to report false as well as fraudalent information on my credit report.Dispite me disputing multiple accounts for years they refuse to follow the law as according to Fair and Accurate Credit Reporting Act.

1. XXXX was never late and they continue to report false information. 
2. XXXX XXXX was opened fraudalently and they refuse to remove it. 
3.XXXX XXXX XXXX was never late and despite me faxing this company proof they continue to report false information. 
4.my credit age is wrong I have a navient student loan open for 18 years XXXX never reported any payments 5. XXXX is showing all of my open XXXX student loans as closed with a balance.
Consumer complaint received 2020-05-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Ria Envia, LLC (MD)

Did a money transfer for cash pickup through XXXX, and went to a Ria money transfer location to pick it up on XX/XX/2020. The amount of the transfer was {$500.00} USD and after checking the money when I got home, I noticed a fake {$100.00} bill. I called Ria and they denied giving me a fake {$100.00} even though it was in the stack of money when receive and I have not touched it till I got home to count it. I knew they may have intentionally done this because they were rude with me the first few times when I tried to use their service. The location of this Ria is, XXXX XXXX XXXX, XXXX, MD XXXX
Consumer complaint received 2017-12-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc. (FL)

So I applied for a Personal Loan after i received a Marketing Ad by Mail of which mas misleading with the displayed percentage they were showing i later applied and got approved and have been making payments but struggling since the interest is extremely high and every time make it harder to make payment. The Interest rate i never thought would be so high and so impact. the loan was for {$16000.00} i have made 5 payments of {$420.00} and the principal balance has only dropped to {$15000.00}.
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2018-03-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MA)

I worked with Wells Fargo to to qualify for a loan modification and sent in required documents. Though we qualified, each time they would deny us on a minor technicality such as a date missing. I submitted 7 times. Hundreds of documents. XX/XX/2015 and XX/XX/2016. 

Although my husband and I are both became ill and XXXX 10 years apart, we always kept up with the mortgage for many years. Unfortunately I had to file for bankruptcy. 

XX/XX/2017 I filed for bunkruptcy but we had he house on the market on a shortsale and received an offer. Wells Fargo accepts that offer in XX/XX/XXXX and sent us a letter to that effect and a phone call. We were waiting for the closing date but got a letter of foreclosure notice. We thought with a shortsale a foreclosure was not an option given the letter we got from Wells Fargo. 3 days before the foreclosure date we find out from the shortsale lawyer and realtor that they are going ahead with the foreclosure and not the short sale. As far as we are concerned Wells Fargo has played games to go the foreclosure route as opposed to : 1. Loan modification 2. Shortsale Wells Fargo had no plans to allow us to modify the loan or sell the house via a shortsale. They had ulterior motives all along.
Consumer complaint received 2022-08-05
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX acct # 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 2018-03-26
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: CITIBANK, N.A. (GA)

XXXX is not reporting my credit account to XXXX Credit Bureau. I notified their Credit Account Dept and nothing was done.
Consumer complaint received 2018-02-01
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (TX)

I filed a case with CFPB on XX/XX/XXXX, case CFPB case number XXXX. 
This case is showing resolved in your website but I never received anything from CFPB stating how it was resolved and would like a copy. Wells Fargo sent me a letter dated XX/XX/XXXX and  XXXX showing a debt discharged of XXXX in XXXX XXXX. This is incorrect, I made a payment of XXXX to Wells Fargo phone payment on XX/XX/XXXX. I would like to know if Wells Fargo wrote the XXXX balance off so they could receive full TARP money on this loan that was originated with XXXX. Next question has and is Wells Fargo been doing this with all Tarp loans that they received. I can send you a copy of the XXXX