davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-12
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIBANK, N.A. (MI)

Citibank has checking accounts that demand a $ XXXX monthly service charge unless you have a monthly bill pay. I set up a bill pay for {$15.00} a month on the XXXX of the month to land before the end of the billing cycle. This was set up years ago and was within plenty of time of the bill cycle ending. Over time the billing cycle end day crept closer to and closer to my bill pay date and eventually I started accruing service fees when the billing cycle ended before the XXXX of the month. I set up my bill pay in good faith with more than enough time before the cycle end date. It is not my fault that the billing cycle is before the XXXX now, years later. I believe this is an unfair and deceptive practice and I am willing to bet there are many customers who are paying money for this UDDAP violation. 
Citibank did not go to any length to assist me or warn me of this. When I called, I advised Citibank should change their billing cycle date and I should not have to make changes from their erroneous business practice. They did not take my complaint seriously. Any date that has a monthly service refund fee will be the dates I logged this complaint. I begged the customer service to log my complaint but they refused along with refusing to change my billing cycle.
Consumer complaint received 2017-04-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (FL)

I want to sumbit a complaint against Navient. I have been paying on my loan for years at XXXX a month with no end in sight. They just raised my rate to 7 % and when I called for help they told me there is nothing they could do for me, would not tell me how high they can raise my rate or how often, they said the only way I can help myself is by paying off the XXXX loan I have with them. They are criminals. They are the worst company and I do n't know how they get away with doing this to people.
Consumer complaint received 2017-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (MO)

Hello, Contacting you is my last effort to resolve the issues I 've been experiencing with the credit bureaus. I have incorrect information being reported on all XXXX. The compliant is being filed against Equifax specifically. I will do each compliant separately to aviod missed information. I have disputed all hard inquiries on my credit, my personal information, and several accounts that are in collections that do not belong to me. The confirmation number for my most recent dispute with Equifax is # XXXX. They have my incorrect date of birth and spelling of my name listed on the report. The correct personal information was included in the dispute request that I submitted on XXXX. This is my 3rd attempt to have all hard inquiries removed as well as the accounts in collections as they do not belong to me and were not authorized by me. I have submitted supporting documentation of my identity and they still have not updated my information nor deleted the inquiries. I would appreciate it if something is done in regards to the fraudulent activity on my credit report as the credit bureaus are n't handling the matter. I have attached a copy of my identification as it is listing an incorrect date of birth on my report.
Consumer complaint received 2017-04-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Simon's Agency, Inc. (NY)

The bill belongs to XXXX and I have been telling them this for the past two years now and after I show prove they removed one bill and sent me a letter saying that it was removed then they but it right back on my credit report and it 's not even my bill!
Consumer complaint received 2017-04-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

All XXXX accounts should have XXXX balance. Please update ASAP! 

1. XXXX XXXX XXXX, XXXX Balance {$45000.00} Reported XX/XX/2017 2. XXXX Balance {$140.00} Reported XX/XX/2017 3. XXXX Balance {$110.00} Reported XX/XX/2017
Consumer complaint received 2017-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NC)

On XXXX 2016 I wrote Equifax asking to investigate my credit score. About 2 months ago I also wrote them for the same reason and got no response. I sent this request to investigate through the mail. 
I have heard no response. 
I filed Bankruptcy XXXX, 2016 and numerous tradelines were being reported wrong or should not be. Equifax would correct them, but the credit score would not change back. 
My XXXX score is XXXX. All I have on my XXXX are a lot of student loans either paid or being paid on time. On my Equifax I have those same student loans and XXXX 's furniture being paid. I also had the fraud child support, which is now removed. I told you all it was fraud. 
That wide range in credit scores XXXX to XXXX is too much a difference. Others told me that too. As said during my bankruptcy I would dispute items and removed or adjusted, but the score that dropped did not change back. 
I have asked Equifax for a copy of my credit reports since XXXX, 2016 so I can see where the problem lies since they refuse to investigate this. 
Someone with positive credit payments and closed paid accounts should not have a credit score of XXXX. They need to explain this score and they are ignoring me.
Consumer complaint received 2017-04-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Optimum Outcomes, Inc. (FL)

I have asked many times for proof for this item on my credit because I have never heard of the original provider. I have never been to the location. They have NOT been able to provide me with any proof showing this is my debt. There is no paperwork, no signatures. It is a fraudulent charge.
Consumer complaint received 2017-04-14
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MARINER FINANCE, LLC (FL)

Mariner Finance continues to report a debt on my credit report that I do not owe nor have I ever made any agreements with this company. On several occasions I have sent them letters asking to provide documentation of the alleged debt in question. The last certified letter was sent on XX/XX/2017. The company has refused to address this matter and continues to report this derogatory debt which is a violation of my rights under the Fair Debt Collection Act1
Consumer complaint received 2017-04-19
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (NJ)

Chase Bank Credit Card 's dispute service is poor. It is often lack of response and leave the issue unsolved.      I disputed a charge through Chase Freedom Credit Card. After I filed dispute, I was issued a conditional credit. However, without any communication or follow up, Chase rebilled the amount of dispute. I contacted Chase for the explanation, but no   response.
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo reported to XXXX  that on XX/XX/2020 my home mortgage went into forebearance. However, I did not request COVID assistance then & furthermore, the account is current with payments made in XXXX & XXXX. This issue came to our attention on XX/XX/XXXX when we attempted to close on a refi. We first contacted XXXX  who told us to contact the lender, Wells Fargo. Weve now done that only to be told that while they agree all our payments are in line for XXXX & XXXX they need to investigate this matter further. It may take 10 days to resolve which will lead to material financial adversity to our family. Weve asked  Wells Fargo to rectify this matter immediately & they refuse to.
Consumer complaint received 2017-04-17
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (KY)

I have had an account with Sears Card services for about 7 years. This past year, I discovered a fraudulent charge on my account. I reported it immediately and they promptly credited my account. Thereafter, it appeared to me that my account was credited beyond the amount I had disputed so I called to report it and they mentioned there was no issue. We had a sick pet which needed XXXX last fall and I used the card to pay for the fees. 
Having misplaced my card soon after or before the XXXX ( I can not remember ), they cancelled it and reissued a new one which apparently resulted in a myriad of charges related to the disputed charge in XXXX of 2016 either reappearing on my account or being credited to my account. There was so much back and forth with this XXXX charge that I honestly have no idea how much I should have owed based on the things I know I have used the card for that I feel like I have since overpaid the amount of initial credits to my account. I do not trust Sears at all. They performed an audit on the account a couple of months ago and swear it is resolved, but I am now also paying interest on the amount they had credited my account and since reversed the charges on. Those interest charges have been reversed one time when I called but appeared on my last statement. Overall, it is very shady and I wonder if this is a true error one off type of thing or if other consumers are experiencing the same issues.
Consumer complaint received 2017-04-16
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (OH)

I got on the quicken loans website and started an online chat with one of their live representatives. I told the guy that I was only seeing what I needed for the future and did not want to apply at this time. He took my information and said he was not going to run my credit yet until I was ready at a later date. I later found that they did run my credit against my will and they refuse to remove the credit inquiry from my credit report that I never asked them to run. I sent them 2 different letters asking them to remove the inquiry as I did not authorize it and they refused saying that I needed to file a police report if my identity has been stolen. I never said my identity was stolen I said their representative ran my credit against my will even though he promised to wait until I was ready. This company has treated me extremely unfairly and now I will NEVER EVER do business with them.
Consumer complaint received 2017-04-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (OH)

A few years ago, I contacted XXXX XXXX / Navient about the Public Service Loan Forgiveness program. I asked if my loans were eligible, if they could be forgiven in 10 years, and I was told they were and would be. I was given the impression I needed to do nothing but wait until the 10 years was up when they would be automatically forgiven. Last year, I submitted the PSLF forms, however I never heard anything from XXXX XXXX / Navient. Recently, I called them only to discover that the loans are not technically eligible as they are ; they must first be consolidated and the 10-yr clock begins upon consolidation ( not when I began my XXXX ). 
The lender either originally lied or provided incomplete or misleading information. And this important but unstated detail may cost me as much as {$17000.00} ; had I known I needed to consolidate 3 years ago, I would have. Now, it is too late to benefit from the program ( for the loans managed by XXXX XXXX / Navient ). 
I also want to include my story into those that say lenders such as XXXX XXXX / Navient steered borrowers toward forbearance, which then capitalized interest. In a few instances, I may have put my loans into forbearance as my job status and pay were insecure ( XXXX part-time, without any security for pay or contract ), but these were always done without the appropriate information upfront that loans would be capitalized afterward. I agree that rather than forbearance, lenders should have been advising all possible options, including a lower payment given current income ( all loans have been eligible for IBR at the least ). In some cases, I still may have needed to take the forbearance. But who can make the best decision without all the appropriate information?
Consumer complaint received 2017-04-11
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: M&T BANK CORPORATION (MD)

My wallet was stolen and {$500.00} was taken from my account. M & T bank is denying my claim because they are saying there is no way someone could access my pin # in order to take the money out. I explained that my SS card was in my wallet and my pin was last 4 of my social but that is not good enough for them. Therefore I am out {$500.00} and they are saying there is nothing they can do. They are basically accusing me if stealing my own money.
Consumer complaint received 2017-04-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (PA)

Navient has repeatedly defaulted my income base repayments to full 10 year payoff payments without interacting with me causing sudden dramatic rises in my monthly payments. I have asked them to return me to income based repayment and submitted proper documentation only to be told over the phone that my submission was too near the payment date to go through and that I would have to take a monthly forbearance. I have been told that there is no way I can achieve a lower interest rate unless I consolidate with another servicer. To service the interest on my loans without paying down the principle it is approximately {$1600.00} a month. Every month I 've had to take a forbearance on has increased my principle by over {$1600.00}. When I have inquired to which option makes the most sense for my economic situation I receive a list of the options and the benefits of each, but no answer as to which program would be in my best interest. As a result of this debt burden from the interest alone I am finding myself in a position that makes it impossible for me to accumulate necessary capital to start a XXXX to try and pay down my debt, and I can not service the full amount to pay down the debt in conjunction with mortgage payments and savings for retirement into my XXXX or IRA. 

When I received my loans I was told that I would be a XXXX and that I would be able to achieve a salary capable of paying down my principle and lead a great quality of life. The interest rates were downplayed and refinancing was stated to be an option. What nobody told me was that refinancing to a lower interest rate would remove my federal government protections such as forbearance. Now I am in a position where I need to either finance my {$300000.00} of student loans between XXXX and XXXX at an average interest rate of 7.2 % or change to a private loan servicing agency and lose all of my federal protection, potentially destroying my credit and any ability to eliminate my debt. 

I attended XXXX. I was told during orientation on the first day that my education would provide me an income which would service my loans. I can not afford to pay down the principle of my loans as a XXXX.
Consumer complaint received 2017-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MO)

I disputed inquiries that were not made by me, however I have not heard back from them. I will attach a copy of my credit report from XXXX XXXX ( XXXX/ Equifax ) each hard inquiry marked in was infact one I allowed. All other visible inquiries are ones not authorized by me.
Consumer complaint received 2015-06-25
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Delbert Services (NY)

I never received the loan and the customer service agent was could not find the loan information in the computer database, but then another customer service agent was able to find the loan in the computer but said that I had to fill out another application, but the loan information showed up on my XXXX report. When I tried to retrieve the loan the customer service agent said the loan information was not in the computer. He did not have any information on the loan and said that I just have to start the process over, but when I called back at another time, another agent saw the loan in the computer.
Consumer complaint received 2017-04-14
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (AL)

I have been working on repayment of my loan for quite some time. They have continuously recommended forbearance and other payment plans, that would in turn require me to end up paying way more then what I should have in the first place. EX. Borrowing/Loan was XXXX in all I have now been made to pay approx. XXXX due to interest incurring based on their recommendations of a forbearance.
Consumer complaint received 2017-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (FL)

In XX/XX/XXXX, I spoke with Equifax regarding the date of removal for a Tax lien on my credit report. I was told that the tax lien would be removed in XX/XX/XXXX from my credit report. I contacted Equifax in XX/XX/XXXX, and was then told that it would have to stay on my account for up to another 3 years, I then called back, and spoke with another person, who again told me that it would come off my credit report in XX/XX/XXXX. I then called back in XX/XX/XXXX and was then told that it would stay on my report for a total of 10 years from the date it was issued. At the time, my credit score was XXXX ( XX/XX/XXXX ), but in XX/XX/XXXX it dropped to XXXX without any explanation. There were no additional credit issues at that time. They also have blocked my number, so I can not file a dispute.
Consumer complaint received 2017-04-11
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BARCLAYS BANK DELAWARE (FL)

In XX/XX/XXXX, I received an UNSOLICITED offer from UPROMISE BY XXXX, for a MASTERCARD. This card is issued by Barclays Bank Delaware, XXXX, Delaware, FDIC. The offer clearly stated that if I used the card for a purchase within the first 30 days, I would receive a {$100.00} CASH BACK reward. I did make a purchase, and did pay the UPROMISE MASTERCARD for that purchase. Now, many months later, and after making repeated calls, I still have not received my {$100.00} reward. 

In response to a complaint I made, I did receive a letter from Barclays Bank Delaware, dated XX/XX/XXXX, acknowledging that I met all of the requirements, and also stated " ... I have confirmed that Upromise has mailed a check to you in the amount of {$100.00} and you should be receiving it shortly. '' THEY LIED ; As of this date I have never received a check from them!! Barclays Bank is an FDIC bank. Can you help me?
Consumer complaint received 2017-04-12
Product: Credit card — 
Issue: Billing disputes — 
Company: Synovus Bank (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2016, XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-04-16
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (GA)

I am unable to obtain my free Equifax credit report or score at all online. Equifax will not provide the report and I have no score data from them either. When I request my free credit report at XXXX, a message says that Equifax is unable to provide it and that I must send in documentation to prove my right to see my report. They want multiple hardcopies of personal identity documents in order to release my credit report.
Consumer complaint received 2017-04-17
Product: Credit card — 
Issue: Billing statement — 
Company: DISCOVER BANK (VA)

I obtained a balance transfer to this Discover card with 0 % interest. Subsequently, I made some purchases at the regular purchase rate of 15.74 % in the amount of {$520.00}. In XX/XX/2017, I noticed that the " balance subject to interest '' was now at {$610.00}. I paid {$620.00} that month believing that I would only have the balance without interest remaining. However on the next statement the balance subject to interest was standing at {$430.00}. At this point I called customer service at Discover to find out how much I needed to pay to avoid paying any further interest fees and was told they had no way of knowing. The customer service representative said to call back next month ( after another month of accruing interest ) to find out how much I would need to pay to eliminate the balance subject to interest. 
I feel this " balance subject to interest '' on the statement is deceptive and that there should be an easy way for consumers to determine how much is needed to eliminate that amount.
Consumer complaint received 2017-04-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC. (IN)

I have made several attempt s to get AFNI to verif y this debt through  XXXX . They continue to send me a copy of a final bill from  XXXX  disregarding any of the other information I requested per my right to get validation of this debt.
Consumer complaint received 2017-04-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (MD)

I am disputing the underlying facts of an entry. They are reporting a XXXX XXXX account that my ex-wife opened without my knowledge but it still appearing on my report since XX/XX/2012. This has been disputed with Transunion and been removed, but Equifax refuses to understand that this account was her responsibility. I provided the details and the divorce decree but they still will only reply with " we verified this account belongs to you ''. I have a credit score in the XXXX range and pay everything on time. I would not make a late payment for a {$200.00} account. This is not right and needs to be removed. I have disputed with Equifax at least three times with a refusal to investigate further.
Consumer complaint received 2017-04-14
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (PA)

My last payment to Chase credit card was XX/XX/XXXX and was scheduled to be removed from my credit file XX/XX/XXXX. 
In XX/XX/XXXX I requested my credit report from all XXXX credit bureaus and saw that Chase changed my payment history. It now shows that I was 60 days late by XX/XX/XXXX and then brought the account current for XX/XX/XXXX and XX/XX/XXXX and then went delinquent again in XXXX XXXX which extends the length of time this account remains on my reports. I have requested verification from all XXXX bureaus only to have the status verified and updated the removal date to XX/XX/XXXX. I sent a certified letter to Chase requesting proof of the XX/XX/XXXX and XX/XX/XXXX payments and they have not replied. These 2 payments are not true and were added by Chase to extend the length of time on my report. This account should corrected on my credit reports and be removed by XX/XX/XXXX not XX/XX/XXXX.