davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-01
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (HI)

On XX/XX/XXXX, I tried to make reservations for a round trip from XXXX to XXXX utilizing my XXXX XXXX XXXX for a buy one full fare and get the second fare for half off. I was unsure of how to make the reservations so I called the XXXX customer service phone line. The custom service agent said to just to onto the XXXX website to make the reservations. After logging on the the XXXX website I made the reservations and paid but did not see any where on the webpage to get the discounted fare. I was charged for two full fares of {$690.00} each for a total of {$1300.00}. Upon realizing I was charged for two full fares instead of one half off, I immediately called back the XXXX customer service phone line again and this time the customer service agent told me that I had to make the reservations on my XXXX account. Due to the first XXXX customer service agent 's misinformation and being overcharged, I was told they would refund me the original two fares of {$1300.00}. I then logged onto my XXXX account and made the same reservations and this time I was charged correctly for one full fare and one half fare of {$690.00} and {$360.00} for a total of {$1000.00}. When I received my XXXX statement for billing period XX/XX/XXXX-XX/XX/XXXX, I was charged for 4 full fares of {$690.00} each and only credited for 2 full fares of {$690.00} each. I should have received credit for 2 full fares of {$690.00} each and half a fare of {$320.00}. I have written many letters to the XXXX and XXXX Customer Service Offices. XXXX did issue me a temporary credit of {$320.00} which would have taken care of the problem but then they reversed the credit stating the merchant already issued me a credit. I did not receive any credit from XXXX nor does any of my statements from XXXX show any extra credits. I am still waiting for a resolution to my problem. Also, I asked on many occasions that my credit card be cancelled and it has not been done yet and I was charged {$89.00} for the yearly fee.
Consumer complaint received 2022-10-01
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)

I recently went over my credit report, and I noticed that there is a payment that is being reported as unknown from XX/XX/2021. This is not reporting as paid on time nor is it saying it is late which can be misleading to anyone who obtains a copy of my report. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose.
Consumer complaint received 2016-11-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (IN)

EXPERIAN AND XXXX LOAN NO.XXXX WAS UNLAWFULLY RE-INSERTED ON MY CREDIT REPORT WITH 5 DAY NOTICE TO CONSUMER IN VIOLATION OF F.C.R.A.. I MUST PAY FINE OF {$1500.00} IN DAMAGES.
Consumer complaint received 2017-02-25
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

I have been working with ditech regarding selling my home. The property has lost value and the people that have been occupying the property have stop paying. This has cause a ripple effect in my finances and I have fallen behind on payment.s. The person that I was told to contact, ( XXXX ) has been non responsive, Other accounts reps have informed me that they will tell her, however, I recent receive a notice in the mail that the house would be going to auction. I have tried hard to keep the house, until it can be sold.. I have not be able to reach anyone from ditech. They patch my calls to a line, that rings, and rings. with no answer machine. I recently hired a realtor to help me sell the home faster, since the loss of value it has made it difficult
Consumer complaint received 2020-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (TX)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2017-01-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services (AL)

Dear ACS Education Services, This letter is a formal complaint that you are reporting inaccurate credit information. The account is closed and paid in full. It has been over 7 years since the account was open. Therefore, I am asking for you to remove this item immediately. 
XX/XX/XXXX, it was reported that I was 60 days late on my ACS account. This was reported to all XXXX credit bureaus. 
With proof I am attaching documentation that I enrolled in school at XXXX ( XXXX ) XX/XX/XXXX -XX/XX/XXXX and my account should have been in -school deferment. When you are enrolled in school at least half-time you are able to request an in-school deferment. However, I did have to drop with my international travels. Furthermore, I did n't receive any written communications about this matter because I was out of country from XX/XX/XXXX to XX/XX/XXXX for work. Upon returning to the country I spoke with several customer service representatives who stated that they would remove the late payments since my account should have been in forbearance ( Please see page XXXX ) from XX/XX/XXXX and XX/XX/XXXX. In addition, I was enrolled in XXXX University during this time. 
Therefore my account was in forbearance and payments were not due at this time. However, I have called ACS Education Services and emailed numerous times to get this matter resolved. I was assured that it was resolved until I received a copy of my credit report. Unfortunately, this matter has not been resolved. I am sure you will agree it needs to be removed ASAP. The following information therefore needs to be verified and deleted from the report as soon as possible : ACS Education Services XXXX ... 
Sincerely,
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

I have been trying to get my loan with Navient resolved for a long time. During that time, they continued to tell me to keep my loan in forbearance while trying to figure how to pay my loan. I did notive how much my loan was capitalizing in interest until recently. For the past 8 months, I have submitted applications for forgiveness as I am a teacher and for an IBR. 
Navient eventually told me that I needed to consolidate my loans and use XXXX, which I have recently done and am still waiting for my loan to get on an IBR so that I can try and work towards PSLF. The problem is that my loan has accumulated so much interest that it is not manageable and even on a IBR it will negatively amortize. 
I am finally in a place where I can started paying my debts back but while with Navient has doubled my loan, which means on an IBR my loan will end up being high after 25 years of paying it than it is today and this is the loan program they are saying is in my best interest. They is XXXX and Navient. 

The interest accruing is over XXXX a month at this point. I need help. I have just started paying the interest because I just put it together that what is being advised by the servicers is not in my best interest and is putting me in a perilous situation. 

Please help. I want to start paying my principal down and do n't know how to with such a high amount of interest accruing from the loan being in forbearance.
Consumer complaint received 2017-02-16
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/2016 I paid my XXXX phone bill of {$220.00} and it cleared my account on XX/XX/2016. About the XX/XX/XXXX I filed a dispute on XXXX charges. 

Someone at Chase included my XXXX payment of {$220.00} in the claim. They have admitted it was Chase error. 

I NEVER disputed XXXX charge. However, it was charged back from XXXX. 

I have dealt with XXXX collections and had to REPAY another {$220.00} to keep my service active. I had to Pay twice for my XX/XX/XXXX phone due to Chase error that they will not return while they figure it out! Chase has NOT returned my money! 

in the amount of {$220.00}. It is not at XXXX ( I have verified with XXXX ) I have spoken with the claims dept at Chase to no avail. I 'm told each time that it will be another 5-7 days. It has been 4 MONTHS! 


This is outrageous! I NEVER filed a claim on XXXX! 

The amount was NOT returned to my account! The Amount was NOT returned to XXXX. 

THIS IS UNACCEPTABLE! 

PLEASE HELP!
Consumer complaint received 2015-09-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: M.L. Zager P.C. (NY)

XXXX 2013 was so sick and went to hospital. The finical rep ask me for ins 'i explained to her that I was on unemployment, She then told me she would put my case through charity. i then received a bill in XXXX 2013 for XXXX from the hospital showing the discount granted. XXXX months later I get a call at my job from a collection agency saying I owe XXXX. Since then I have done every thing to comply. to resolve this dispute and error. I have been treated badly by them as well as they lied about the dates when they sent me letters. I have been to XXXX hospital to resolve this error and the hospital has been working with me but the collection refuses to comply to clear this error. They lied when i asked to speak to the representive that there was not a person by that name working there name XXXX. I have a lot of health issues and I am on XXXX now they submitted it to court and refuse to even work with the hospital who is trying to help me.
Consumer complaint received 2016-11-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IN)

I HAVE CONTACTED EACH COMPANY TO WHICH I HAVE GOTTEN CORRESPONDENCE FROM THEM STATING THAT THEY HAVE REMOVED THE INQUIRY FROM MY CREDIT REPORT. THESE CREDIT INQUIRIES ARE LINKED TO MY IDENTITY THEFT THAT I HAVE BEEN FIGHTING. THERE IS PROOF THAT I HAVE BEEN INVESTIGATING THESE CASES A LONG WITH XXXX POLICE DEPARTMENT HERE IN XXXX INDIANA. I HAVE PLACED ALL LOCKS ON MY CREDIT PROFILES SENT PROPER DOCUMENTATION TO THEM AND THE CREDITORS THAT OBTAINED MY CREDIT WITHOUT MY CONSENT. I HAVE COOPERATED WITH EQUIFAX XXXX AND XXXX ON THIS MATTER AND EQUIFAX REFUSES TO REMOVE THESE OFF MY REPORT. THEY ALSO FAIL TO RESPOND TO MY MAIL REQUESTING VALIDATION OF ORIGINAL DOCUMENTS WITH MY SIGNATURE ON THEM. 

THIS COMPANY ALSO HAS REMOVED MY XXXX ACCOUNTS OFF MY REPORT WITHOUT AUTHORIZATION AND RE INSERTED THESE ACCOUNTS AGAIN WITH OUT NOTIFICATION OR AUTHORIZATION FROM ME. I WANT THESE ACCOUNTS THAT THEY RE INSERTED ON MY CREDIT REPORT REMOVED COMPLETELY. 

THIS COMPANY FAILS TO REMOVE AN XXXX EVEN THOUGH THEY HAVE DOCUMENTATION FROM THE COMPANY AND COPIES OF LETTERS I RECEIVED IN THE MAIL STATING TO REMOVE THESE ACCOUNTS THEY WILL NOT REMOVE THEM.
Consumer complaint received 2016-03-17
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (MN)

I attempted to receive my free copy of my Equifax credit report via XXXX. I was prompted to submit additional information via regular mail in order to receive the report. I called the number to speak with a live agent ( XXXX ) XXXX. Once I got a live representative she was unable to provide me with my report as well even though I provided her with all of my identification information. I would like to pay a medical collection that is reporting only with Equifax. I want more information about the clinic/ collection company whom I can pay.
Consumer complaint received 2017-01-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (NV)

Multiple years ago I had financial crisis, was about to go bankrupt, and missed many HOA payments. Later when I graduated from college and was able to pay, I made restitution with the HOA and payed XXXX of dollars in back fees. 

However without my knowledge or constant, the mortgage company paid the HOA fees and both companies still let me pay the back fees. So now that I am XXXX dollars away from complete I got my 15 year mortgage loan, Chase Mortgage is claiming that I owe over XXXX dollars in corporate fees. 

At the time when I repaid the back fees, I enlisted a Nevada attorney named XXXX who handled the communications. Now that lawyer will not return my calls. 

Nobody at Chase Mortgage will speak to me except the " debt collector '' who expects me to just come up with a wire transfer of over XXXX. 

Chase sent back my last mortgage payment and now is telling me that it is late. 

I feel that I am the victim of predatory lending scam to steal the small townhouse that I have faithfully paid the mortgage on for over 15 years. 

Please help me! Please launch an investigation!
Consumer complaint received 2017-02-06
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC (NC)

XXXX. XXXX purchased a XXXX from a XXXX in XXXX XXXX North Carolina. The truck at purchased had the check engine light was on they fixed it there at their mechanic shop said it was a coil pack that was out and they also put XXXX brand new tires on the truck I purchased. I also purchased a student warranty 12 months or XXXX miles warranty on the powertrain motor and transmission coverage. I purchase the warranty through the finance company Westlake Financial Service LLC out of XXXX XXXX California. As of XXXX XXXX 2016 the XXXX XXXX XXXX XXXX that I purchase from XXXX due to the fact of the murder tearing up I went ahead and paid XXXX 's truck payment that was {$550.00} I sent Westlake Financial Service {$600.00} on XXXX XXXX 2016 and then I send them additional XXXX more dollars on XXXX XXXX 2016 I 've also called the warranty company and they denied the claim due to pre-existing conditions the dealership will not own up to selling me a lemon for a vehicle and I 've also spoke with Westlake Financial Service warranty claims department what a gentleman named XXXX I made a deal that if Westlake Financial Service will pay 50 % I will pay the ditional 50 % to have the motor Replaced they denied paying 50 % .. so is playing to Westlake that I will not be paying any more payments on this truck until something is done to the truck they have already came and pick the truck up I have no idea where the truck is located they also sent me a letter stating that they 're going to auction the truck off and I 'm responsible for the remaining balance on the truck right now it is {$17000.00} out on the truck. They are hounding me for money but do not want to own up to fix the truck
Consumer complaint received 2017-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc. (KY)

Sometime during the month of XXXX, I called Nelnet to switch my automatic student loan payment from one checking account to another. I went ahead and made my XX/XX/XXXX payment from my old checking account and was told by Nelnet that my next payment will automatically debit out of my new checking account in XXXX. During the month of XXXX I checked my new checking account regularly to see if the student loan payment had been automatically debit from my account. It had not. I eventually checked my old checking account and revealed that Nelnet had continued to bill my old checking account which charged me over {$90.00} in late fees due to insufficient funds. I contacted Nelnet and they reviewed the XX/XX/XXXX phone call and confirmed my payments should have been switched to my new checking account but in order for them to return my money I had to send them bank statements showing the amount that came out of my bank account. I have sent Nelnet XXXX seperate copies of my bank statements over the last 3 weeks and they somehow still do not have copies in order to pay me my money back. I have had my bank send copies and I have also personally sent copies from a secure server at the XXXX I work at. There is absolutely no way they have not received the copies. I called yesterday to receive a copy of the phone call I had in XX/XX/XXXX with a customer service representative but was told I would have to get that information subpoena to court that they would not release the information. I understand if I am out {$90.00} so be it, but it is the principle that these big time student loan companies can do as they please and get away with it and no one can stand in their way.
Consumer complaint received 2017-02-20
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (WA)

Here 's my Chase Bank story. I was reconciling my checking account when I noticed a discrepancy of more than two hundred dollars. I checked the account history and noticed a check, # XXXX, was cashed for XXXX dollars right before the end of the year. What tipped me off to this check was the number. I 'm on check # XXXX now. I do n't right that many checks. This was a check written over 5 years ago to a XXXX tutor for my son. The tutor misplaced the check and requested we send another with my son next time which we did. We still have the e-mail requesting the replacement check. I have had no contact with this person since. When I approached Chase with this issue they assured me the money would be put back in my account that day. It was n't. I contacted Chase the next day and they said they were putting their claims department on it and it might take two days to get the money back in my account. I was contacted by Chase and asked if anyone contacted me regarding the validity of a five year old check and I replied no. The money was put back in the account and I was informed it was still under investigation and the money could be taken back. I asked that they do not take any money out of my account without my knowledge. They took the money back out. I am so done with Chase Bank.
Consumer complaint received 2016-09-07
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Clarity Services (IL)

A company called Clarity Services is randomly making inquiries on my XXXX Credit report. I show roughly XXXX inquiries over 1 year. This in excessive and impactful. I have never applied for services or loans on behalf of any of their clients this is gross misuse of my consumer report.
Consumer complaint received 2017-03-09
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A. (DC)

After receiving several threatening phone calls from XXXX, I gave them bank information via email. They proceeded to collect on a debt which was previously paid. When I contacted the banks ( XXXX XXXX XXXX and CitiBank ), I provided the previous payment information, including a forgiveness of debt statement from the IRS. I let the banks know I was being called and threatened with arrest even though the bill was in dispute. Based on my email, those banks paid the collection agency. Now they are harassing me on the phone, they know I am XXXX and lost my job.
Consumer complaint received 2015-08-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (GA)

I have disputed the Judgment on my Experian report XXXX times, twice sending them a copy of the judgment showing where it was cancelled in XXXX 2015 and should be removed from my report as XXXX and XXXX have already. They still show it as satisfied and it should be removed being it was cancelled/voided.
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MI)

A XXXX XXXX unsubsidized Stafford loan was initiated on XX/XX/XXXX for {$5500.00} to help pay for a year of college at the XXXX XXXX XXXX XXXX XXXX. It was deferred once I started beauty school at XXXX XXXX XXXX. When payments started up again the interest had accrued and the loan had increased to over {$7500.00}. My parents helped me pay it off at that time because we did n't want the amount to increase and pay more interest, so it was paid off XX/XX/XXXX. Last year I realized my other loan payments were messed up after paying regularly since I graduated from XXXX. Navient had reinitiated the old Stafford loan that had been paid off for over two years and started using some of the payment money for the other loans to go toward this loan that had already been paid off. They then started harassing me daily with calls that I owed this money and it was up to me to prove that I had paid the loan off XX/XX/XXXX because they did n't have record of it. I worked with my parents to find the proof and submitted it to Navient XX/XX/XXXX, and they said I would hear back within two weeks regarding their findings. I have not heard anything from Navient regarding this situation. They did remove the delinquent status from my account which should have never happened. This has been extremely stressful and time consuming -- I have spent hours on the phone and working with my parents to try to solve this. I know I saw on the XXXX XXXX website that this loan had been paid off and then when Navient took over the loan came up as unpaid and I could no longer see the same history online anymore. I do n't understand how this could have happened and I am anxious to get it worked out because I 'm still paying other loans and the payments have been messed up since last year when this all started.
Consumer complaint received 2015-07-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (FL)

credit bureau Experian not showing my correct information disregarding official state records open for public:1. as my employment history -I was working with XXXX since XX/XX/XXXX until XXXX XXXXand with XXXX since XX/XX/XXXX till XXXX2. as my correct name -they showing XXXX names for me instead of oneI am XXXX XXXX only not anybody elsedisputed the same issues with XXXX and they promised to fix it, hopefully they will as well as othersPlease help me out because these situation continuing for a years and they are not helping at all