davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (FL)

On  XXXX   XXXX ,    2017 I  sent certified letters for  XXXX   XXXX   XXXX   XXXX  {$550.00} ) as well as to  XXXX   XXXX   XXXX  ( {$250.00} ) regarding  XXXX  negative items reporting on my report negative asking them to validate the debt. After 30 days, I did not receive validation and/or verification of the debt in the mail as asked. Instead both agencies ignored my request all together and did not provide verification. In  XXXX   XXXX ,    2017 I rea ched out to Experian the agency where the acounts werre reporting negative and explained to them that I previously disputed these  XXXX  accounts with original agencies and received no response. They opened up a new dispute on  X/XX/2017   . I then called today  X/XX/17    to check the status, and per Experian they received verification of these accounts. I explained that how can they receive verification and I did not receive correspondence in the mail? I asked to get a copy of the alleged verification and was denied with the staff stating that the agency does not provide that information. As a consumer if I am disputing something on my report I am entitled to copies of documentation in response to my request and both the original agencies  XXXX   XXXX   XXXX  as well as  XXXX   XXXX   XXXX  failed to provide the information requested. 30 days later, Experian a reporting agency also failed to provide verification and/or validation of debt they have reporting negatively on my report.
Consumer complaint received 2017-04-21
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (CO)

I have received a notice from   XXXX   today that a negative issue has affected my perfect  credit score. Evid ently, a " Walmart Credit Card '' was opened in my name with a balance of {$600.00} due. This has now been reported on my  credit score -- which contains ALL accounts which are not only NEVER LATE but have NEVER CARRIED A BALANCE. I have no idea how someone could have opened an account with my information? This is very troubling to me, as I have several credit cards and perfect credit. Someone from this " Walmart Credit Card '' was calling me a few months ago and leaving messages. I in fact, called this number back only to get an answering machine with a LOOP in the message tree. I then reported this phone number to the Do Not Call List and in searching online found that several other people have also reported the number because of someone calling about an unknown " Walmart Credit Card. '' This is very troubling and I hope that someone looks into this carefully to see what is going on.      I will absolutely legal pursue damages against this company if this is not resolved readily.
Consumer complaint received 2017-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

This is a follow up to my first complaint. This name is not my correct name. Look at the incorrect spelling of the last name on the statement and the card they issued. They are reporting it on my credit report as delinquent and as resolved with me at fault. This is wrong. Please help me.
Consumer complaint received 2017-04-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

This XXXX account is not mines and has been deleted by Experian. The XXXX account appear to be the same debt, so how can it be posted two times? XXXX XXXX Credit card not mines. 

1. XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} 2.XXXX XXXX XX/XX/XXXX XXXX {$0.00} 3.XXXX XXXX XX/XX/XXXX XXXX {$1000.00} XXXX 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$45000.00}
Consumer complaint received 2017-04-13
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

I attended a now closed for profit school, XXXX XXXX XXXX XXXX, in XX/XX/XXXX. A few months after completing the program my student loan payments kicked in, the one from XXXX being nearly {$400.00} a month. In XX/XX/XXXX my ex-wife and I moved from XXXX to XXXX, and I struggled to find work. She found work fairly quickly, but for far less money. The bills became a burden, so I reached out to my student loan servicers, XXXX XXXX and XXXX XXXX. XXXX XXXX have been very fair with me, first putting me into a plan with no payments until I found work, and then a graduated payment plan which kept the payments very reasonable. XXXX was a completely different story. They told me the only option for my " Smart Option '' loan was Forbearance, and when that ran out, they told me there were no other options available except to continue making regular payments. I found out how long it took for an account to go into Default, told them that 's what I was going to do, and proceeded to stop making payments to them until a month before the account went into Default, because I felt like I had no other choice. This, of course, destroyed my credit, but allowed me to survive from one day to the next. When I finally did contact XXXX again about payments, they were very eager to work with me for payments, naturally, and placed me on a plan for {$93.00} a month, automatically withdrawn from my account. After the first year I received my tax statement and realized that of the {$1100.00} I paid the previous year, only {$17.00} went towards the principal. They have sense jacked my interest rate back up to 10.375 %, and unfortunately while my credit score has improved, I have been denied every consolidation loan I have applied for.
Consumer complaint received 2017-04-19
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (LA)

Fraudulent checks where deposited into my Chase college checking account and both were taken out my account within 24hrs even though they were both over  XXXX  meaning that it shouldve taken a couple of business days to be checked. It caused my balance to go into the  XXXX  and when I filed the claim they gave me a temporary credit. They then also said that the inqiruy was resolved. They then told me that my account would be closed within ten business days, they told me to not call back or it would reset the closing process. They did n't call to update me on the claims process so I was not informed that they need more info to officially close the claim. Instead they instead reverse the claim and told me that i would have to pay back the  XXXX . i could n't even check my account during the claims process because my account was restricted so i had complete no clue what was going on. They refused to take responsibility even though they allowed the checks to go through without the proper hold and ignored the fact that I had a college account so a withdrawal of that amount in one day was over the set limits for a college account. I think that chase tries to get over on its younger clients
Consumer complaint received 2017-08-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (TX)

I changed my autopay bank account inXX/XX/XXXX. I received a confirmation email that it was changed and thought all was good. I did n't order many things from them during the summer because I was incredibly busy with work so, I did n't bother to open my statements as I figured whatever little I owed, would come out of my bank account. 

On XX/XX/XXXX I was placing an online order at Macy 's my card was declined. That 's when I found out my account was past due. I looked at the autopay and the info was correct but no charges had been made to the account since I changed it. I did n't understand but took care of it immediately even paying the late fees because I did not want to deal with waiting and calling them during the week as I was scared to mess up my credit, which I painstakingly have been building up for the past several years. 

Unfortunately, today I woke up to an email from my credit score tracker saying it changed. It changed from XXXX to XXXX because of a 2 month late balance of {$110.00} in the Macy 's card. I am devastated that my credit could go down so much for so little. THIS WAS NOT MY FAULT! THEIR AUTO PAY SYSTEM FAILED. I called Macy 's and spoke with the Credit bureau representative. Showed my evidence that I had set up auto pay correctly and NEVER received a SINGLE past due notice from them. They said it 's still my responsibility to know if the auto pay went through even though it was their system that failed to collect the money. Now my credit score is blemished over a small balance that I can most certainly afford to pay. But they do not hold themselves responsible at all even though their online pay system failed and they never sent me one " Past Due Account '' email.
Consumer complaint received 2017-04-17
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK (FL)

I  XXXX   XXXX  filled for bankruptcy  XXXX   XXXX   XXXX   discover  card cancelled account no problem they did not notify me when I called about card they told me I asked about cash back reward they said they would mail it to me now it is  XXXX  sent a demand letter 30 days late dated  XXXX   XXXX  still no reply my records indicate they owe me over 100 dollars
Consumer complaint received 2017-04-19
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Risecredit, LLC (AP)

To whom  it may con cern, I 'd like to make a complain abo ut RISE Credit. W e originally signed up for a {$3000.00} with an interest rate of 208 %. I have been paying {$520.00} every month and paid a total of {$5500.00} and they want me to pay them  until 2018. This  has been a burden for me and my family. As an  XXXX   XXXX  military member i have reached out to my chain of command regarding this issue. I have been advised by financial counselors that in accordance w ith Military Lending  Act says that you ca n't be charged an interest rate higher than 36 % on most types of consumer loans and provides other significant rights. I am currently working with my loca l Judge Advocate General 's Office to g et some help with legal issues.
Consumer complaint received 2017-08-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (DC)

In XX/XX/XXXX I began making Income Based Repayments on my Federal Student Loans through XXXX. Each month since then I have made on time payments and renewed my payment plan eligibility. During this time I was regularly assured by XXXX customer service that the payments I was making were counting towards the Public Service Loan Forgiveness program.
In XX/XX/XXXX my loans were transferred from XXXX XXXX to FedLoan Servicing and at this time I was also required to consolidate my loans. I continued to make on time payments through the Income Based Repayment plan and continue to do so presently. Having never missed a payment, all told, I should qualify for PSLF in XX/XX/XXXX. 

However, I recently began certifying my employment with the NGOs I have continuously worked for since XX/XX/XXXX and was told by FedLoan Servicing that none of my payments before XX/XX/XXXX count towards the calculation of my XXXX Payments for PSLF. 

I do not feel this determination is correct given my understanding of the payments I was making with XXXX dating back to XX/XX/XXXX and I want to know what rights I have to enforce the inclusion of those payments in the total calculation of my payments towards PSLF.
Consumer complaint received 2017-04-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (MN)

I attempted to investigate with Experian online. Since I had become aware of  Section 609 15 USC 1681g of th e Fair Credit Reporting Act and additionally th e MLA of 1973 and UCC section 3-308a, I  requested investigation into some physically unverified derogatory accounts being reported by experian. I was shocked to see their response that they refused to investigate these accounts since a different aspect of the account had been investigated in the past. More shockingly, they cited the same consumer protection act that allows a consumer not to be victimized by a credit reporting agency as being permissive of their actions. Please help with this situation.
Consumer complaint received 2017-04-18
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (IN)

I have been a customer o f Citi Bank Credit Cards  since  XXXX . I tried to use a credit card on  X/XX/XXXX  and found that charge did not go through. So, I called the number on a back of the card. The representative said that the card was closed on  X/XX/XXXX . On  X/XX/XXXX , I received letters on all of  my Citi Credit Cards saying that at Citi 's d ecision all of my cards were closed. I called t he Citi Executive Office  at  XXXX . Th e executive rep told me that I have to write a letter to Citi  Bank in order for me to get answers to why my accounts were closed. Since  XXXX , I have never missed payments, never used the cards for illegal activities, etc. So, I am writing to you now to inquire what happened.
Consumer complaint received 2017-04-21
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ALLY FINANCIAL INC. (NY)

This company has called my daughter at  (   XXXX   )   XXXX , several times, sharing the debt amount, reason for the call, and even going so far as to ask whether this vehicle had been involved in an accident.
Consumer complaint received 2017-04-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IL)

On  XXXX   XXXX  I submitted a dispute to all   XXXX   CRAs. I have received the results from   XXXX   and Equifax, but not  XXXX . However, I have credit monitoring service and it shows where the account was updated. They have updated the account so that the charge-off appeared more recent than it originally was and they also have it listed as a revolving account. This caused my score to drop by many points. I never received proper validation of this account. I sent to the CRAs a copy of the order that I won my lawsuit against   XXXX   XXXX    of Delaw ar e in Court. Each report is reporting a different date that the account is open, the h ighest balance is different on each CR, Additionally, it seems as if they added late payments in after the closed date . Dispite pr oviding each CRAs, with documentation to support my claims, they never completed a full investigation and they never forwarded documentation to me to validate this debt.   XXXX   XXXX    has constantly failed to provide me with this information, and now I am being further victimized with a huge drop in my credit score.I have attached evidence of everything below.
Consumer complaint received 2017-04-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

As of   XXXX      XXXX  has sent the attached updated information to Equifax. This information was given to Equifax several times by myself and  XXXX  to update my account. And   XXXX   XXXX   XXXX   is still showing as well as unverfied inquiries as originally reported. As of today, Equifax has not done so along with the other complaints I have filed. A lawsuit will be appropriate according to my attorney for Equifax 's negligance on updating and removing wrong inaccurate information from an consumer 's report causing a negative impact on there credit worthiness and score.
Consumer complaint received 2017-04-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: DISCOVER BANK (PA)

Back in  XXXX  of this year i received a letter in the mail from discover student loans stating that no repayment is required until  XXXX  and  XXXX  in   XXXX  . So i assume that everything on their was okay and that i would not have to worry about making any payments. About a week later in the same month i received a phone call from a representative at discover student loans asking me for a payment. I told them that i received a letter from their office that i do not have to make a payment until   XXXX  . I requested to speak to a manger about this matter. I then explain the manager the same situation, he then had me on hold for about  twenty  minutes so that he can find a copy of the letter that was sent to me, after th e manager   XXXX  came back to the line he informed me that he could not find a copy of that letter being sent to my home. At that point i felt like something fraudulent was going on because i find very hard to believe that he could not find a copy of that particular letter that was sent to my house. They are responsible for keeping record of all correspondence and letters being sent to me. Moving forward after that happen i been receiving harassing phone calls from them about a payment and i keep telling them about the letter. I even sent in a copy of that letter to them and they keep telling that they do not have it. I am tired of getting all day everyday about this issue. They are also threatening my co-signer of the loan as well. And the co-signer of the loan told them that she had know idea that being a co-signer for loan would make her legally financially responsible. They had informed her about a form to fill out that would basically file for fraud that i stole her identity to co-sign a loan for me when i did not do that at all. The co-signer is my grandmother  XXXX   XXXX , would could wrongfully implicate me because i did not steal my grandmothers identity to co-sign a loan, she had gave me her information with her consent and to consent to co-sign the student loan. I am tired of the harassment everyday by loan people that calls me everyday. They lied to me about not receiving the letter that stated to me that i did not have to make a payment until   XXXX  . I want the harassment to stop and they need honor according to the letter that they gave me.
Consumer complaint received 2017-04-18
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (IN)

I was contacted by email from someone to advertise a sticker on my car and he sent me a cheque but when I deposited the check on  XXXX / XXXX /   2017 I   was confirmed by my bank Chase that it will be verified and clear good in 24hours, which they did in the next day, but on the  XXXX / XXXX /   2017 I w as told to send the money overnight as Money order to an address so they can put the sticker, so I cashed the check even my account did n't have the funds before the deposit but my bank gave me the money in cash without telling that they ca n't since the cheque was not clear or I do n't have enough funds. and I sent the money, but on  XXXX / XXXX /   2017 I re ceived a notice from my bank that my account is overdrawn by the amount of the cheque which is {$2900.00} because the cheque was returned.   the bank froze my account and told me they do n't want me as a customer anymore after I deposited more than the overdrawn amount.   I feel I was mistreated by my bank by not being clear and fair. they should of known the cheque is no good and waited to clear the cheque before giving me the cash.   I did file a report to FBI about the scammer.
Consumer complaint received 2017-04-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (VA)

I moved out of an apartment in   XXXX   XXXX     and received my final bill from my electric/gas company "  XXXX   XXXX  '' in MA. It was more than I expected ( because I was canceling a " budget plan '' too early ), but nonetheless paid it via the automatic withdrawal that I had setup with my accounts that was in place the entire time I was in that apartment. I even confirmed with  XXXX   XXXX  support staff that my outstanding bill would be automatically withdrawn for the full amount.     Months passed and I received a letter from a credit collector  " Transworld Systems Inc. '' th at I had an outstanding debt of {$280.00}, which was not any of the amounts that I was told by  XXXX   XXXX  which makes this highly suspicious. I told them that this was an error and they did n't contact me via mail/email/phone for another 4 months and then I got another letter in the mail. This needs to be resolved by them.
Consumer complaint received 2017-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (TN)

This debt with XXXX XXXX just appeared on my credit report. It came from XXXX XXXX. The amount is {$800.00}. My identity was used in connection with this debt and I have just become aware of it. Several accounts were set up and used with XXXX XXXX. I do n't owe this debt and it needs to be removed. I have contacted all agencies and informed them of identity theft. The fair solution is to have this removed from my XXXX XXXX and XXXX reports immediately.
Consumer complaint received 2017-10-16
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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (GA)

On XXXX XXXX I mailed out a certified letter with a return address to Wells Fargo asking them to Validate my debt. Wells Fargo responded with this letter. See attachment. Their response did not properly verify my debt and I 'm asking for them to remove the late payment from my credit report.
Consumer complaint received 2017-04-21
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (IL)

On  XXXX   5  transactions were made on my credit card that I did not authorize through  XX/XX/XXXX  ( using  XXXX   XXXX . I contacted  XXXX  on  XXXX  as soon as I noticed the transactions and they filed a report and told me to contact my credit card company to get my money back. I did so immediately and my credit card refunded my card. After this had happened, I received  4 of the 5 playstations that were ordered through the hacked account and left them in the box and waited for someone to tell me what to do with them. No one had told me anything to do so I waited. I called Chase after I noticed that I got a letter saying I recei ved a benefit from them at the beginning of  XXXX  and asked why the charges are back on my account. They said it was not fraud as I received benefits from the charges, and that they are not responsible for the charges. I proceeded to fight this decisions and also called  XXXX  who said since it 's past their 30 day money back guarantee there is nothing they can do about it and that this is the responsibility of my credit card company to provide a refund as the charges are fraud. They also noted that they have the report on file of me calling on  XXXX  reporting the fraud charges. I have no problem sending these items back ( as long as I do not have to pay for anything ) or doing anything they ask me to do with these items, but I had informed them immediately that these charges were fraud and no one told me what to do with the items. I think it 's their responsibility to deny these charges when they happened when I called or notice that over {$1500.00} over  XXXX  transactions in the same day all from  XXXX  charges were fraud.