davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (MA)

AES services my student loans. I am most unsatisfied with this company. The representatives regularly provide you with wrong and misleading information. I am currently in the process of refinancing my loans with another company, XXXX. XXXX and I together called AES to get information from them regarding my loans. The first rep we spoke to refused to provide information as XXXX had a recorded line. He said his manager would be able to assist us as he did n't have the authority. The " manager '' refused to help us. She said they will not speak on recorded lines as it is " company policy. '' Because of this I had to call the company separately and request the information that the XXXX rep could have gotten verbally be sent to me in document form. Now I have to wait for this documentation which is holding up my refinancing process.
Consumer complaint received 2020-04-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

I was tricked into joining a blessing loom, which at first that was recommended to me by friends, I thought would be a good idea, it seemed very legitimate and my friends had supposedly made back their money. I was then asked to pay XXXX $ to join on XX/XX/2020. The idea which was not thoroughly explained to me until after the XXXX $ paid, was to convince others to also deposit XXXX , and when 8 people were joined, we'd move closer into the " circle '' allowing us to then receive money. I was not aware of this. I later researched this type of money making and learned that it was a pyramid scheme! I soon started seeing news articles on how they trick you into this and that it could be illegal. So I asked for my money back to opt out of the circle, showed the other " members '' who would also request their money back. The person in charge, XXXX XXXX, said he would give us our money back, of course after heavily pressuring us to stay, he said he would return our money, but instead has not responded to the group chat using an app I never heard of called XXXX. So I thought instead I could use the app I paid him with to get my money back, the app being Zelle, that I believed would have fraud protection, but they do not, even though they are supported through my bank, they do not have consumer protection. My bank said over the phone I needed to contact Zelle, and Zelle simply said that there was no fraud protection because it's designed for " friends and family '' which was not made aware to me or anywhere on the transaction throught the XXXX XXXX XXXX  XXXX. So alas I am here now to see if anything can be done, after 2 days I am left without my XXXX XXXX and without any help or contact, and a man I didn't know who seemed trustworthy with my money, and my friends who didn't know what they were getting into either and tricked in to this, also without their money.
Consumer complaint received 2017-04-02
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Coastal Credit, LLC (CO)

Coastal Credit,XXXX, XXXX, CO XXXX, issued a loan to me for a XXXX. I purchased the XXXX from XXXXXXXX, XXXX, CO XXXX ( Exhibit A ). I returned the vehicle prior to 3 business as the dealership violated the Law of the State of Colorado. I contacted Coastal Credit regarding the returned vehicle and instructed them to withdrawal their EFT payment to XXXX. The company refused. I hired the law firm of XXXX, XXXX, XXXX, XXXX, to defend me regarding the actions of XXXX employees ( Exhibit B1 and B2 ). In addition, I contacted State of Colorado Criminal Investigator, XXXX, to file a criminal complaint against XXXX. Attorneys for XXXX agreed to settle out of court and refund Coastal Credit for the cost of the loan. I continued to pay Coastal Credit timely payments until the lawsuit terms indicated I no longer had to as Coastal Credit was made aware of the fraudulent loan within 3 days of the purchase of the vehicle. However, Coastal Credit refused to honor Colorado law and victimize me further. Moreover, the State Criminal Investigation did conclude my rights were violated and XXXX was to refund the cost of the car ( Exhibit C ). I complied with State Law and made payments to Coastal Credit, returned the vehicle to Coastal Credit as I was directed by the court to do and I was not required to make any further payments to Coastal Credit. Coastal Credit failed to file theft charges against XXXX or recall the loan. Their failure is not a failure on my behalf to have a charge off on my credit. As is consistent with Colorado Law the charge off as listed on my credit reports with XXXX, XXXX, and XXXX by Coastal Credit is a fraudulent entry must be removed.
Consumer complaint received 2020-08-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (IL)

I closed all 3 family Chase accounts in late XXXX of 2019. I also cancelled a mortgage re-fi with Chase.  The reason was that the local branch made an error and the employees and branch manager refused to correct the error. 

Chase, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, IL XXXX Now, more than a year later, I am receiving emails from Chase that come from no-reply accounts, there is no online contact form, and no way to contact them via any method, because all methods require an active account and account number. 

I am also receiving phone calls from Chase employees telling me we are on a recorded line. I tell them I have no account with Chase and hang up. 

I have verified that both the emails and the calls are coming from Chase, not spammers or phishers. The IPs of the email servers belong to Chase. The phone numbers are registered with Chase.

The latest email says Chase has received my request to change my email address. I made no such request ; I have no account or profile with them. 

Either Chase is harassing me, or there's someone in Chase using previously closed accounts to commit fraud. Much like the " secret '' accounts at XXXX XXXX. 

I want it to stop.
Consumer complaint received 2018-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AZ)

I have a fraud alert on my XXXX XXXX, XXXX and Experian credit report. I want the fraud alert immediately deleted and removed from my credit report. I have never resided or lived at the following addresses : XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. I want the addresses deleted and removed from my credit report. The following phone number dont belong to me : XXXX.
Consumer complaint received 2020-08-10
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. (AR)

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX {$350.00} XXXX XXXX {$350.00} XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$410.00} XXXX XXXX   XXXX {$350.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$79.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$470.00} XXXX XXXX {$350.00} XXXX XXXX {$660.00} XXXX   XXXX {$660.00} XXXX XXXX {$3500.00}
Consumer complaint received 2020-04-19
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: CITIZENS FINANCIAL GROUP, INC. (CA)

Hi, I have two hard inquires on my credit report for two companies I did not apply credit cards for. These are the following two companies 1. Citizens Bank 2XXXX XXXX  I've contacted them and do not want to take them off my credit report. I had some issues in the past where I've been a victim of identity theft and it seems like they still have some of my information. 

It's really affecting my credit score and my ability to get further credit.
Consumer complaint received 2016-05-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (CA)

I have a few problems lately with equalifax one is in XXXX they reported a change of address that drop me XXXX points which i have had the same address for the pass 5 plus years on my report then i dispute a collection iteam on my report which was remove then put back on so i drop XXXX points on my score plus there are XXXX judgments that are not on my our reports XXXX or XXXX and they are not my its unfair that i am being treated like this again my other credit report agency are reporting correct how exqulifax is reporting false information is unacceptable i been continuly been disputing these iteams with no resolved. What ever help your agency can do to restore my credit file will be greatly appreciate. Thank You XXXX XXXX
Consumer complaint received 2017-04-03
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (FL)

I received an email from American Educational Services ( AES ) to my school district protected account. AES was offering a student loan consultation service for the student loan forgiveness program. I was told they were contracted with XXXX XXXX XXXX. I was charged a {$390.00} fee for their services. After speaking with Fed Loan Servicing, I feel as if this is a scam. They stated that I should not have been charged a fee for this assistance.
Consumer complaint received 2017-02-15
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (MI)

I previously spoke with both the hospital & collectors regarding this bill. Both said they were trying to help me figure out where the charges came from. I paid cash fees, upfront, for the procedure related to this bill. The itemized bill statement that was sent to me does not make sense in terms of how the miscellaneous charges add up. XXXX could not explain who charged the extra {$500.00} on my bill & stated they would look into it & contact my insurance & surgeon.
Consumer complaint received 2022-10-10
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. (MD)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2020-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: JPMORGAN CHASE & CO. (OH)

I had an existing credit account with Chase and logged in online to confirm a XXXX   balance. In my account there was a notification that I was already approved for a Chase Freedom rewards card, not pre-approved, already approved. This offered {$200.00} cash back if you spent {$500.00} in the first three months and 1.5 % back on all purchases. Wow! 

I confirmed my address and my current salary and received confirmation that I was approved! Huh, approved for the account I was already approved for? Also received immediate notification of a new credit inquiry on my credit report. I immediately called Chase and complained. They refused to remove the credit inquiry verbally explaining to me that initial notification of approval is based on a soft credit inquiry performed by them XXXX without my consent ), that it was a pre-approval. In good faith, I acted on information provided to me by a company that I had an existing account with, information that was a lie. I was not already approved, I was pre-approved. I was so upset that I cancelled the new account and my existing account immediately. 

My dispute is the using of deceptive advertising practices in my existing account to lure me into making an uniformed decision that negatively impacts my credit score with a newly opened account and credit inquiry.
Consumer complaint received 2023-01-20
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. (CA)

In accordance with The Fair Credit Reporting Act, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX and XXXX XXXX act # 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 sec 2. It also states a Consumer Reporting Agency can not furnish a account without my written instructions.
Consumer complaint received 2020-08-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management (FL)

On XX/XX/2020 I mailed a CRRR # XXXX to AmeriFinancial Solutions to the address listed on recorded on XXXX  and XXXX for a verification of dept for two medical collections from XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX {$1200.00} and # XXXX {$1300.00} that have been placed on my credit reports. 

On XX/XX/XXXX. 2020 USPS noted " MOVED LEFT NO ADDRESS '' and return the item. I followed up letter that was mailed on XX/XX/2020. This 2nd notice to a different address listed was delivered and there has been no reply. 

Under the FDCPA a debt collector must provide proof of such debt. Amerifinancial Solutions has committed several violations by failure to reply and verify these debts.
Consumer complaint received 2017-04-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (OR)

M & T Bank recently acquired my mortgage. I was notified by my previous lender. I did not receive any information from M & T bank until XX/XX/2017 by mail via a letter dated XX/XX/2017. Their payment system was non-functional until XX/XX/2017, 10 days after my payment was due for XX/XX/2017. I made a payment but had to do so between website outages which were explained to me as daily " maintenance '' outages. I have never encountered any banking website or payment website that has such frequent outages. 

On XX/XX/2017, I attempted to make my XX/XX/XXXX payment and again found their payment system non-functional. Although it allowed me to view my loan, attempting to make a payment redirected me to another site which redirected me back to my loan information page, providing no mechanism to pay. 

This will again force me to make a payment late due to the bank 's inability to accept my payment.
Consumer complaint received 2020-08-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC (NY)

I have a XXXX XXXX credit card. I fell behind on payments in XXXX of XXXX. The balance on the collections letter is XXXX. I missed XXXX, XXXX, XXXX yet made a payment in the amount of XXXX on XX/XX/XXXX despite being unable to work to Covid-19 since Mid XXXX. I made two more payments in the amounts of XXXX on XX/XX/XXXX and another in the amount of XXXX on XX/XX/XXXX. The letter asked that I pay XXXX before XX/XX/XXXX and then my account would be considered " resolved. '' I paid XXXX before XX/XX/XXXX! 
I spoke to a collections person explaining why I missed XXXX and then subsequently how Covid 19 rendered me unable to pay because we had no idea what was going to happen and were unable to work due to a shutdown of all work in my area of NY and pandemic unemployment insurance payments were being held up in NY. He wanted me to commit to making payments which I could not, because i was unaware of my financial situation due to Covid. I told him I would make the payment through the XXXX XXXX website when I could. Low and behold, I made all these payments and it was not reflecting these payments being made. In fact, it states that i have a balance of XXXX currently on the XXXX XXXX website despite having made these payments directly TO the XXXX XXXX website. The also imposed a XXXX late fee on XXXX XXXX   payment though I had paid nearly all of the balance in XXXX. 
When I called the collections agency explaining the payments I had made, the jerk got on the phone again, he asked me how long I had been in business, to which I replied over 30 years. He congratulated me sarcastically and then asked why I had no money having been in business for so long! I reminded him we were not allowed to work. That this was a PANDEMIC. Absolutely unacceptable. I called him a few choice names and hung up on him. 
I do not have a balance of XXXX as stated online TODAY, XX/XX/XXXX, with XXXX XXXX nor is it being reported correctly on my credit reports which i have also filed disputes with. 
Another important thing to mention is that during the early stages of the pandemic, In XXXX, XXXX XXXX was ENTIRELY shut down. The had no one to help in customer service, the stores shut down. You could not speak to any representative in any department and they had an automated voice saying so and that you should call back. I tried to call XXXX XXXX to discuss my payment problems, tried to apply for Covid assistance ( deferment ) through XXXX XXXX online to no avail. My account was closed, not by me. This was outrageous because of the unprecedented situation nearly every American was and ( millions ) still are in. Next thing I know, I get a letter from collections.
Consumer complaint received 2020-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a certified letter to TransUnion On XX/XX/20 disputing a fraudulent joint account that was posted to my credit report from a company named XXXX XXXX XXXX XXXX XXXX XXXX TransUnion has not replied to my certified letter requesting verification that this joint collection belongs to me in over 45 days. TransUnion has failed to provide any documentation to prove this account belongs to me or was opened or requested by me. No documentation of a signed contract or any other documents provided or supplied to me for review from TransUnion. 
My credit report has no inquiries from this company further proving this is a inaccurately reported debt. 
The collection company reported this debt as a joint collection account to TransUnion credit bureaus without providing prior notice to me allowing me to request the designated 30 day period to dispute the account and request verification.
Consumer complaint received 2017-04-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (SC)

FTC Ref No. XXXX. I have sent letters, faxes and emails to Fedloan servicing. They have denied me access to their website. They can not provide a XXXX form for tax year XX/XX/XXXX, XX/XX/XXXX. I sent them information that the XXXX refunded my credit card and returned all money. I received no money from FedLoan servicing. I did not need a loan from them because I was in a certificate program.
Consumer complaint received 2020-08-09
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: WELLS FARGO & COMPANY (GA)

I have a loan with XXXX/XXXX and WELLS FARGO. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX  and XXXX and WELLS FARGO with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Social Finance, Inc. (FL)

I was adversely affected by COVID-19 pandemic and arranged with SOFI lending a forbearance program and was told it would not affect my credit. I have been reported late 2 times by this lender to the credit bureaus adversely affecting my credit scores. I disputed the late payments but they were upheld by XXXX.
Consumer complaint received 2016-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Student Debt Center LLC (CO)

I had filed with a debt forgiveness program call Student Debt Center. I have been in contact with their rep named XXXX XXXX, she informed me there was a {$600.00} one time fee for the services provided. I then payed this amount I was then informed that there would no longer be any payments that would be made due to the fact that I had payed the {$600.00}. Today I XXXX/XXXX/16 I saw a payment to XXXX who has my student loan of {$120.00}. I called and talked to them to find out why my payment was made. I was informed it was because I had auto debit and they had only received the paperwork only yesterday. I then spoke with the rep and told her the situation. She then informed me that the debt forgiveness program was supposed to be a free service and that I needed to file a complaint as soon as possible. She then refered me to this federal branch I was then instructed to file my complain online and contact legal aid which I have done. I would like to have my {$600.00} returned seeing as that there is only XXXX income for my house hold and I have a young baby.