davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (TX)

I disputed the ELAN Financial Services XXXX late payment claim with XXXX  Credit Reporting Agency. My records indicate that I made the XXXX payment on XX/XX/XXXX which was due on XX/XX/XXXX. I was not charged a late payment fee by this merchant. As a result of this erroneous reporting, my credit score has dropped which causes financial harm to me through higher interest rates, draining cashflow, etc. I need your assistance in enforcing the Fair Reporting Credit Act ( 15 USC 1681a ) and the Fair Debt Collectors Practices Act. ( Specifically, 15 USC 1692e ) I have spoken to this company on recorded phone calls and they insured me that this error would be fixed however as of XX/XX/XXXX, it still remain on my credit report in error.
Consumer complaint received 2017-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC. (NE)

OnXX/XX/XXXX I spoke with the sales manager to get prequalified with XXXX XXXX XXXX XXXX. I am completely aware that during the financing process they submit multiple credit applications. With this fact in mind, I specifically instructed the sales manager that I ONLY WANTED TO ACQUIRE FINANCING WITH XXXX. I specifically instructed the sales manager to avoid shopping my credit around because I did not want numerous inquiries on my credit report. I am in the process of acquiring a business loan and was told to avoid that sort of activity. The sales manager did not properly communicate my authorization to only submit 1 credit application to the finance manager, which resulted in the UNAUTHORIZED SUBMISSION to several lenders. The General Manager of the dealership has admitted fault and apologized for the unauthorized submissions. While it does bring me solace to know their actions were not malicious, the accidental submissions has hurt my credit report and ability to acquire a business loan. I have challenged the inquiries with the credit bureaus and have been referred to challenge these directly with the lenders.
Consumer complaint received 2017-10-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MA)

I have a mortgage with Chase with automated payment. 

Their online system does not work and their customer service to correct the issue was incompetent and burdensome. 

on XX/XX/XXXX i tried to edit my automated payment amount to remove the {$400.00} additional principal payment that brought my total payment to {$4100.00} and change the payment date to the XXXX day of the month from the XXXX of the month I checked on XX/XX/XXXX and when it did not update, I tried to edit online again. 

On XX/XX/XXXX I called Chase customer service who claimed they updated it so that it would be effective for current month payment and would update on XX/XX/XXXX I checked online on XX/XX/XXXX and it still had not updated. 

Chase deducted on XX/XX/XXXX the amount of {$4100.00} or {$400.00} more than I needed which caused me additional duress. 

The amount showing online still is {$4100.00} but they have changed it to the XXXX of the month for future payments.

Chase customer service is incompetent and their online system is ineffective.
Consumer complaint received 2017-10-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I have attempted to file a dispute on the Equifax website many times. Each time, even though I am entering the correct information, I am receiving an error message that my entry ( s ) do not match their records. 

Let me point out that prior to this string of errors messages, I had been able to file a dispute entering the same information. 

Also, I have sent emails as instructed by their error message with no response.
Consumer complaint received 2020-04-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (NY)

On XX/XX/2020 and XX/XX/2020 PNC Bank charged my account XXXX each time without telling me they would do so. They said I signed an agreement 6 years so saying they might do that but haven't produced the agreement. They started these charges right in the middle of the pandemic. Grossly unfair. I contacted them on XX/XX/2020 ( XXXX XXXX and XXXX XXXX ) and they said there is nothing they can do. If it started in normal times I would have noticed right away but these are NOT normal times. Companies should be trying to help consumers, not hurt them, during this time. They said I received emails on this but they never tried to call or send a letter or anything.
Consumer complaint received 2017-03-20
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK (NJ)

this is the XX/XX/XXXX or so complaint here nothing s resolved. herein i request the following an arbitration or i will be filing a lawsuit once counsel is retained for damages to my credit potentially as i have stopped and refuse to pay on a specific account for many unresolved disputes not dissatisfactions as been mischaracterized by XXXX who contines to answer the complaints we spend time to file despite requests to CEO ignored to funnel somwhere else. to someone who will handle. I need all complaints to this office UNRESOLVED still forwarded to me so judge will see the remarkable effort i made to resolve.With a perfect record here before i was treated in a discriminatory manner which appears to be against the law, in the summer having my calls funneled to a " special team '' i have stopped calling, stopped monitoring my accounts and in the case of XXXX have stopped paying as all requests for help are scripted or ignored or stonewalled. This is clearly a case where i potentially can suffer damages for not paying and i am not paying despite my almost 30 year history due to what is clearly discriminatory BAD treatmenat i have never experienced before. As such i want this and all previous complaints referred to legal department. I am away now getting medical treatment. POA has been sent to Discover. I want this to go to legal dept. I have had it with writing and getting a SCRIPT from XXXX who while he leaves out his name in the signature we know its him same script stonewall. There are DISPUTED charges for example i am told no balance where interest is affixed or prone and then it gets charged. I am being charged late fees on accounts when i am one day late or not at all and when my history of 20 plus years reflects no lates. And again this is due to not calling in due to the DISCRIMINATORY way i strted to be treated in the summer time having my calls fielded to a SPECIAL team. who would just stonewall. I have NEVER EVER been treated like this or have to go to these extremes to get help. I request an arbitrator at this time from discover or i file a lawsuit period. there has been and will be no use of my cards by me again. They seem to have the money to pay stonewallers for well over a year to send the same answer that not only does not address the heart of the issues but is anti customer and resolution. discriminatory is when a bank puts notes on accounts so as to prevent people from helping you. now if i get an answer from XXXX even though he leaves out his name in the signature i go to court. REFER TO LEGAL i want arbitration as nothing absolutely nothing has been resolved as of this date NOTHING. despite all attempts and usage of my time which i will not continue to do. without resolution. recognize i now have fees on my accounts becuase i refuse to pay in order to GET PROPER attention and i will NOT suffer those damages.
Consumer complaint received 2020-04-24
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: EQUIFAX, INC. (OR)

I called Equifax to dispute fraudulent activity on my credit report after submitting several dispute letters. The representative told me it's their policy not to dispute fraudulent activity and directed me to file an FTC report and a Police report to dispute. XXXX, Employee # XXXX
Consumer complaint received 2017-10-05
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. (FL)

XXXX years Customer service would not help and take care of the negative inquiries on my credit report. After being on the phone for an hour and forty five min and getting transferred to every possible department they have they did NOTHING for me, Incredible! no one knew who could help with the matter. When I 'm finally speaking to someone that may be able to help she puts me on hold and then hangs up on me.
Consumer complaint received 2017-10-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

My daughter lost her job ( and is still not working ) and was unable to pay her loan. I am the co-signer so Navient contacted me. My financial situation is not much better. We called Navient in XXXX and the representative was very helpful and said that she would need some materials but she would work to get our interest rate down XXXX It is currently at 12 %. ) and bring our payment down. She also said that we would not have to worry about the late payments because it would all be included in the program. My husband daughter and I submitted pay stubs and other documentation and waited to hear from Navient. After two weeks we did not hear anything so we called them. We were told that we were denied because my daughter showed that she was paying no bills. She was paying cash to her partner for living expenses at the time. Navient then asked for her apartment lease and copies of any bills that were paid by her. This was done immediately. Again, no word from Navient so we called them. This time the Navient representative was rude and condescending. He said that the deal was off the table because my daughter 's account did not work. She gave them all of the information so we did not understand what he was talking about. I told him about our situation and he said that we signed the loan and we had to pay it. I told him about how we were told that we qualified to get our interest and payment down and again he said the deal was off the table. I asked to get the monthly payments reduced and he said again that the deal was off the table. Currently we are paying {$430.00} a month. We were originally told that we would get a {$250.00} payment when they brought the interest down to a normal rate XXXX 4 % I believe ). It will be a struggle to pay the {$250.00} but it is a lot easier than {$430.00}. The explanation given to us by the rude Navient representative made no sense. Why would we be denied because of an account error? We were working with the representative to reduce our payments and then it is " off the table ''. I made the account current and have been paying the loan but I do n't know how long I can keep this up. Is there some way we can get the payments down in the {$250.00} range?
Consumer complaint received 2017-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (OR)

I 've been attempting to enroll my wife in the free Equifax/TrustedID credit monitoring program for the last XXXX weeks. 

After submitting the initial data for the enrollment she received an email with a link to continue her enrollment. When she attempted to use the link it indicated that she 'may ' have already enrolled and to just log in. Login was not possible because a password was never generated and/or received. 

I called the customer service number and the agent enrolled her over the phone and said she would receive an email to sign in and get a password. No email was ever received. I attempted to request a new password with the 'forgot my password ' link but no response was received. 

A second call to customer service confirmed she was enrolled and suggested trying the 'forgot password ' ; when I told her we had tried that several times with no response she gave me another number. I 've been on hold to that number for XXXX now. 

The recorded message suggests logging in to help.equifax.com to 'chat ' with a CSR.  There is no 'chat ' function to be found on that or any other equifax pages.
Consumer complaint received 2017-10-05
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. (IN)

I made a payment on XXXX of {$320.00}. There was already a post dated payment for XXXX that was scheduled on XXXX XXXX via the phone. My total credit that the account holds is only {$500.00}. After making the payment of {$320.00} the other payment processed the next day and later was returned. Then my credit card account went into revoke status on XXXX and closed status. I received a letter stating my account status. I immediately called to fix the problem and the representative told me that it will be taking care of and removed from that status. I then assumed it was done by the time I had made my next payment. I made another payment of {$100.00} on XXXX. I then spoke with the credit card company again on XXXX because I reviewed my statement for XXXX and it showed that I have no available credit, but I already had paid XXXX + {$100.00} and my account reflected an available credit via online. The representative told me on the call that my account is in revoke status, but note I already called between the dates of XXXX to address this situation after I received the letter and the representative told me it would be taken care of, whatever that meant. Now that my account is fixed, which it could have been done when I called between XXXX, the manager stated that my account already have been reported to the credit bureaus as it has been closed on XXXX. But due to the lack of training the representative I spoke with between XXXX my account is being reported in error because of that reason. On XXXX me and the manager fixed my account.
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AR)

This account continues to report inaccurately as delinquent on my credit report. I have contacted the company on various occasions in XXXX, XXXX and XXXX to correct. However to date this matter has not been resolved. I requested proof of past due status as reported XXXX - XX/XX/XXXX ; and CO from XX/XX/XXXX - XX/XX/XXXX ; however I have not been provided any validation of the debt.
Consumer complaint received 2017-07-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (MT)

XXXX my sophomore year at XXXX my family and I decided to use Salli Mae as a provider to cover my remaining portions of loans I had left over from the stafford loans I received. It was a sum of a little under 8000. During that process I talked to a employee and was assured numerous time that my loan would n't not have to repaid until I was finished with school. However, after the process was done we began getting calls on collections of the bill and were going to begin on the repayment plan. Confused, we called and talked to numerous employees and were told the same thing, what we filled out was not what we thought it was. Me and my father filled out the paperwork with a employee and were assured by her and by slogans on the website that loans would n't have to begin to be repaid until after college. They gave us no options when asked about other methods of repayment and were constantly hounding me and my family about the repayments, even stating we should pay a higher amount to get the loan paid for quicker. After discussing our options, the loan was then consolidated onto my parents so we could begin repaying what we felt was ok. It was one of the most confusing, frustrating, and disappointing process of my life knowing that I signed my parents up with a provider who cares nothing about our lives, but only about making money. They played us and in the process took us as fools.
Consumer complaint received 2017-10-05
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (MD)

XXXX XXXX creditor, revolving charge account is fraudulent. It has been settled beyond controversy, a bank can lend its money, not its credit. XXXX XXXX has created a constructive fraud, peonage, conspiracy, and dishonor which have resulted in my Revocation of Signature for Cause. I have written several letters to XXXX XXXX to resolve this matter.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2017-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BB&T CORPORATION (GA)

XXXX XXXX is updating an account on my credit profile every month on an amount that is not owed to them. They are saying that I have a balance of $ 7000+ when I do not owe this company anything. I never received a notice of deficiency from the sale of a car that was repossessed. No notices was sent to me regarding this information. I have request proof of these notices and this company will not comply. This balance should not be reported to the credit bureaus. They also go into the account and report it every month to the credit bureaus so that it appears as a new account. They have very unfair practices.
Consumer complaint received 2017-10-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (TX)

Between my private loans which I pay now at XXXX a month and my federal loans I cant even afford to do anything with and my interest rate is going up higher and higher I started I think at 60 and now it is up to 80 something! I literally have been putting my life on hold! I am XXXX not married but engaged ... no kids Bc I cant even suport myself for goodness sake and no house Bc I cant get a down payment together nor do I want a huge mortgage! College was legit the worst mistake of my life I wish I could go back in time and never woud have went. It legit is useless Bc I would be making the same without it. Its horrifying and since m loans have been in forbearance this whole time they keep going up but I cant afford them and no one ever told me about this ... I legit get so sick to my stomach just even thinking about them ... there are days where I think about getting into the XXXX industry or something of that sort to just even pay them off with my full time job I have. I am desperate and loose sleep over this every night. I have to pay my private loans back as well and my gosh those are so much as well and I dont know what to do. I am completely lost! Please help. I am honestly begging for help from someone who reads this.
Consumer complaint received 2017-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (TX)

Some of the credit inquires on my report were not authorized. I have been in contact with the companies and credit reporting agencies regarding this matter. Credit reporting agencies told me to contact companies and the companies told me to contact credit reporting agencies.
Consumer complaint received 2017-10-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Meridian ARG Inc. (NY)

Someone named " XXXX XXXX '' left a message on a family member 's voicemail saying there are two pending charges against me and threatening to arrest me. From this number : XXXX. PLEASE do something about this, it has been very scary and the fact that they contacted a family member is infuriating.
Consumer complaint received 2017-10-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc ()

Paypal has refused to refund a fraudulent transaction not undertaken by me the account holder. Both Paypal and my attempts to contact the receiver have been met with no response and Paypal insists that there has been no fraudulent activity on my account and has closed my case. I am now out {$XXXX} which I am unable to get back.
Consumer complaint received 2017-10-05
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. (IL)

I paid off two ( 2 ) credit cards two months ago. XXXX has the correct information but Equifax still has old information even though I sent them the updated confirmation. This inaccurate information is hurting my credit.
Consumer complaint received 2017-10-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (TX)

GMAC hired XXXX XXXX to repossess a vehicle that my ex girlfriend, also on the loan, took when we parted ways. XXXX XXXX ( Case # XXXX assigned to XXXX XXXX XXXX ) sent a truck to my door at XXXX on XXXX/XXXX/XXXX. The representative for XXXX XXXX told me he was trying to locate the XXXX XXXX. I explained to him that my ex-girlfriend had the car and that I believed her to be living in Mississippi. The XXXX XXXX representative then told me that I will be charged with a 3rd degree Felony. He gave me his business card and left. He was driving a tow truck. I do not believe it is legal for him to threaten me with a felony.