davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

I submitted a payment in the amount of {$1100.00} on XX/XX/XXXX, stating it was to be applied to loan XX/XX/XXXX, with an initial balance of {$11000.00}. It was an extra payment above my monthly auto-debit. I requested it be applied only to principal. I reached out on XX/XX/XXXX because I noticed that {$5.00} had been applied to interested, and {$1100.00} applied to principal, even though I specifically stated all the payment was to go to principal. I contacted customer service, and the rep said they had to apply payments to any interest or late fees first, as that it was their policy. There was no changing that, and the only way around it was to submit additional payments on the same day as the auto-debit. I said okay and that was the end of the call. On XX/XX/XXXX, I was in the process of submitting another payment when I noticed that they payment from XX/XX/XXXX had now been applied to my other loan in the amount of {$270.00} going to principal and {$8.00} going to interest. I contacted customer service via a phone call, speaking to a rep named XXXX, and have documentation of the message I sent following the phone call. I told XXXX that the payment from XX/XX/XXXX had been misapplied, and she said it would be re-applied to the correct loan within 7-10 business days. On the 9th business day, I reached out to see if the re-application was still in the works, the rep told me it may take until after XX/XX/XXXX. On the 10th business day, the initial deadline I was given, the payment had not been fixed and I was told that the issue would be escalated, and it should be fixed by XX/XX/XXXX, given the holiday. On XX/XX/XXXX, my payment was still not fixed. I have numerous correspondence letters documented, which also track what was stated my phone calls that I 've had with different representatives. At this point, I 'm not being given a timeline for when this issue will be fixed at all. The representatives tell me they have no contact with their Financial Management Department. Also at this point, I 've attempted to refinance the loan, and due to my refinance lender 's error, {$8500.00} was sent to MyFedLoan, and MyFedLoan blanket applied the amount to both loans, even though I sent messages to MyFedLoan stating the loan XX/XX/XXXX was being refinanced. MyFedLoan will not work with me to get my XXXX issue resolved and now I have no hope that I will ever get my situation fixed.
Consumer complaint received 2022-10-04
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: LOAN TO LEARN (TX)

On XX/XX/XXXX I was informed by XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, Texas that I was being served with a Writ of Execution for Cause No. XXXX Educap Inc, vs. XXXX XXXX. I informed the deputy that I never applied for any private student loan. I received my XXXX XXXX from XXXX XXXX in XXXX of XXXX. I then went back to school XXXX  with XXXX University from XX/XX/XXXX- XX/XX/XXXX for my XXXX XXXX. I received Financial Aid Pell grants and Subsidized and Unsubsidized loans for my education and I have never applied for private loan with Educap , Inc. This loan was done without my authorization and I DO NOT owe this debt. I am respectfully requesting assistance with this matter as clearly it is a case of Identity Theft. I have attached my Pell Grant and XXXX  Student Loan information proving my financial assistance with FASFA not through private loans. The attorneys on file for this court matter that were hired by EDUCAP are the following : XXXX XXXX, XXXX. 
XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2021-03-24
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (CA)

I have 3 credit card accounts with Citi Bank and need to refinance my home to pay off the balances. Citi BankXX/XX/XXXXrevised my revolving credit and decreased the available credit due to the following reasons : ( 1 ) late payment ( 1 Day ), Paying low portion and balance is high. I paid the full balance and closed one account. Before the Pandemic my credit score was XXXX and I paid all of my accounts on time. My business is struggling during Covid 19 and I was late ( 1 day ) making a payment on my Citi credit card due to a client paying late on an invoice. 

Citi Card will not lower my interest rate and decreased my credit balance which caused my credit score to go down. Because of Citi Card unfair credit practices I am forced to pay a high interest rates and can not pay off the balances on my accounts.
Consumer complaint received 2017-07-12
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: EQUIFAX, INC. (IN)

On XXXX XXXX, 2017 I mailed a letter to Equifax regarding the overland bond. This account was previously disputed and removed from my credit report. However, it appeared on there again. I submitted them documentation from them that this account has been removed previously but no action was taken. I also sent them a police report as instructed by them for unauthorized inquiries on my name, No action has been taken with that as well. Today I received an email with an updated reported to find that XXXX other accounts XXXX XXXX and XXXX XXXX have been placed back on my report as well. I 've attached documentation for XXXX XXXX and XXXX to show the accounts were removed. I 'm unable to open the document to provide for XXXX XXXX as it is outdated on Equifax site. According to FCRA Equifax is suppose to give me a five-day notice if they are placing anything on my credit file which was previously removed. I did n't get any notice just the accounts placed back on my credit report.
Consumer complaint received 2023-01-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CarMax, Inc. (PA)

On XX/XX/2022 I sent a notice of dispute and debt validation & verification affidavit to Chief Financial Officer XXXX XXXX located XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX in which I am questioning the Negotiable Instrument/ Promissory Note/ Retail Installment Agreement as in who funded the check the response I received back was just a copy of all my payments and the Retail Installment Agreement see attachment of my notice of dispute and debt validation & verification affidavit that need to be answered point by point under penalty and perjury the only way to settle this matter is to provide me with documentary evidence 15 USC 44 whereas that includes all documents, papers, correspondence, books of account, and financial and corporate records I need to Clarify who funded the check and How much is owed according to the journal and ledger ( GAAP ) entries from the date of open of the account as described in IRS publication 583. If you can not verify and validate this debt by the above listed means,, to even send me a letter? Are you committing mail fraud?
Consumer complaint received 2017-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (SC)

My late wife opened an account with Barclays Card for a XXXX XXXX rewards credit card. She used my name and information to open the account. She used the card and received and - supposedly - paid the statements, I never used the card or saw any statement from the account. My wife XXXX XXXX in XX/XX/XXXX. After she XXXX, I began going through financials and was receiving all of these credit card statements that I had not seen before or even knew about. I contacted Barclay to dispute the card but did not receive any response. I then hired an attorney to make a fraud dispute claim with Barclay in XX/XX/XXXX. My attorney contacted Barclay to issue the fraud claim and follow up on the claim on XX/XX/XXXX and requested a copy of the complete records and application for the account. On XX/XX/XXXX, Barclay mailed a copy of the credit application. The report provided by Barclay was a one page printout that only had basic information about me on it, including my name, DOB, income, mortgage expense, and address. There was no signature or anything else in that " application '' that could have been used as verification that I was the one opening the account. My attorney sent follow up correspondence to Barclay regarding our fraud claim on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Barclay has never responded to any of these letters, provided any response to our fraud claim, and continues to send monthly statements on this account. After my wife XXXX  away, the credit card has not been used, and I never used it at any point. I did not even learn that we had this account until after she XXXX XXXX. My attorney and I did make a telephone call to Barclay or its collection agency - I do not recall which as we were transferred around multiple times during the call. However, that call did not result in any meaningful response. This account and the excessive balance on the account has destroyed my credit score and has severely impacted my life. I have merely asked Barclay to close the account as fraud and wipe it from my credit report, but I have not received any amount of response or sign that they even investigated the claim.
Consumer complaint received 2017-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (VA)

Hope you 're well, to whom it may concern, Earlier this year in XXXX and XXXX, I failed to make my monthly payments on time, I apologize I did n't have enough money to pay on time and also I did n't understand the impact of this as this my first credit card as I 'm learning the importance of it now. Please see the picture attached.
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

There is a Bankruptcy on my credit report dated XX/XX/XXXX. Doing a proper search of the official publicly available court documents shows This Bankruptcy does n't meet the National Consumer Action Plan data Guidelines of XXXX that went into effect XX/XX/XXXX stating in short that the 4 identifiers earmarking the record are clear and present indicating the validity of the record. Additionally a recent online search as of XX/XX/XXXX shows that there is no current data on the XXXX website ( see attachment ) showing NO DATA as regards any federal court ruling against XXXX XXXX in the state of California from XX/XX/XXXX to XX/XX/XXXX, further corroborating that fact that any such records have been removed, vacated and or found to be null and void.
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (PA)

XX/XX/XXXX I sent a letter to XXXX XXXX ( XXXX ), XXXX  and XXXX XXXX XXXX XXXX asking them to close my accounts and list as " Closed at consumer 's request '' on my credit line as I am working with XXXX XXXX XXXX to lower payments and be debt free. My credit reports show that I am delinquent 2 months. I have never been delinquent on a payment. I was not delinquent prior to working with XXXX XXXX XXXX. I also received a collection notice from XXXX XXXX for being delinquent after sending the letters. I had a card with XXXX XXXX ( XXXX ) since XXXX and was never late. I have XXXX XXXX also with XXXX XXXX and they recently cut my credit due to XXXX. I received an approval loan in the mail from XXXX XXXX XXXX in XXXX XXXX Pa. which was preapproved. When I inquired about it I was told I could not get a loan because my credit report listed I was delinquent. My husband called them and was told that XXXX XXXX XXXX does things different. XXXX XXXX also stated they did everything legal when they lowered my credit line without warning. The bottom line is there is negative information on my credit reports that I ca n't see but financial institutions can which they are using against me.
Consumer complaint received 2017-12-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (PA)

I am writing concerning my below. I am retired with one income. I had everything ok until the past few months. I made a complaint but M & T used my ex-husband 's account. The employees do n't know what is going on with my account and I have tried everything to get answers to no avail. I have applied 4 different times for repayment assistance and have heard nothing back. I need help and ca n't lose my home. Someone needs to investigate M & T because they are awful and are incompetent. Please help me I do n't know what to do. M & T keeps mixing up the two accounts and I feel I have done everything to fix this. I feel they owe me to fix this. I feel my account should be caught up to date without any negative affect on my credit. M & T should write off my past due and clear my account back to up to date and good credit rating. Thank you, XXXX my account number is # XXXX. Home equity Please make sure M & T gets it right
Consumer complaint received 2017-07-12
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)

I have been trying to get the released tax lien from 2001 Outdated information. I 've written letter after letter. HELP I 'm trying to buy my family a home!
Consumer complaint received 2017-07-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (NC)

This is NOT my account. It was opened fraudulently in my name. It is some kind of utility bill iXXXX XXXX XXXX Texas. When I received the first notice of this bill/account, it was by mail. I immediately contacted the collection company and told them this was fraud and explained i had been the victim of identity theft. They continued to harass me to try to get me to pay the bill, despite the fact that i was providing policy incident information, had already reported to the credit bureaus that the XXXX XXXX  addresses were fraudulent, and despite the fact that they were mailing this notice to my home address in North Carolina - so i clearly dont live in XXXX XXXX. They told me they would mail me a " packet '' to complete and expected me to mail all kinds of personal identification and affidavits through the mail. I told them that was not going to happen as that is exactly how identity theft happens, but that i would provide them the police report information and they could use that to investigate and see that this was fraud. They refused and continued to press me for payment. They then threatened to report this to the credit agencies and damage my credit. I told them they could not do that as this was not a valid debt and i disputed it within the 30 day window. They reported it anyway and follow up attempts to get them to remove are not working.
Consumer complaint received 2017-07-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TX)

On XXXX XXXX, 2017 there was unauthorized activity on my paypal account. There were two attempted transactions to XXXX XXXX  with email address of XXXX. The initial transaction of XXXX was completed while the second was tagged as fraud and I was notified via email. I immediately called in within seconds of receiving this notification and informed paypal this indeed was not authorized and proceeded to change my login credentials while on the phone with their agent. They informed me they would put in a case for this transaction and the funds should be returned. Why one transaction was allowed and the second was tagged as fraud the agent was unable to explain. However, the fact is paypal recognized one of the transactions to this person as fraudulent automatically. So It came as a shock on XXXX XXXX, when I received notification from paypal stating We have reviewed this transaction ( s ) and are denying your claim ( s ). This decision was made because this transaction was not unauthorized. How they came to this decision is beyond me. I called in within seconds of being alerted of the transaction and identified it as fraudulent and paypal halted a second transaction to this same person, finding it fraudulent.
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Furthermore paypal also states You also previously appealed this case and it was denied. The appealed case ID is XXXX. However, I never appealed the case, I only reported it once and was waiting for their investigation to complete. This is the first and only news I 've received from paypal regarding this.
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I am attaching the two emails I received. First the one notifying me I had appealed the case previously. Then the email notifying me of the results of the initial investigation afterwards. How could i have appealed the decision prior to even receiving the results of the initial investigation?
Consumer complaint received 2017-07-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MO)

I currently have an income based repayment plan with Fedloan servicing. This information is required to be updated annually. The organization only provides a notification via their portal and does not contact me via phone or email ( have both because they verify every time I call ). The IBR status expires and I only find out when the next payment is due. I then have to submit the paper work and request forbearance to give them time to review. This occurred in 2016 and literally took up to 4 months for them to resolve.
Consumer complaint received 2023-02-13
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. (WA)

so they keep saying they haven't received documents police report I sent those by mail as to well you XXXX XXXX Equifax XXXX you guys just sent statement. no attachment so I have had my mail tampered with but can you I'm sending these letters of proof and legal documents from irs .can you have have all XXXX XXXX Equifax remove these as these have been taken care of .late payments and are illegal. and they need to pay for violations they have committed for the past year .fraudently allowing reporting of false information removing account after viewing police report FTC .changing and altering an old personal statement I did not not authorize.as well XXXX XXXX is not my grantor. each reporting agencies need to pay these fine for damages due as laws state XXXX per violations and willingly and knowingly reporting wrong information and law states re investigation 15 days most cases 3 to give. it's been over a year they have caused me to be judge and discriminated against for their false doing as if you look on public record I am a XXXX  creditor.. I never gave any agency or buissness to report false illegal information on my report. and reporting information to buissness to be denied as they stated and one Bank showed me what they reported and I compared my report information I know nothing about I need late payments removed every account as in payed as agreed. and if they can't do this with in 3 days as well each agency pay for damages not ones they fixed. but one they neglected and causing my household harm and injury.i sent affidavits 1009a also XXXX XXXX  debt discharge so these agencies not removing this immediately as laws states criminal and civil charges will be filed in 3 days of receiving I have every right. deceptive buisness act I asked each Agency for every application validating what they are wanting report .only thing they report is damaging illegal. I was told to pay my bills I won't have this issue. funny 1099a and 1099c they not well up-to-date on. and stop telling people wrong info. I save d everything over last year audio chats certified mail receipts. I have more than enough because of these agencies my kids have to go with their mom. I can move foward in life and being willfully injured because of them .and it needs to stop. they have 4 days to fix and 7 days I sent attached invoice for damages that I need to receive which I'm entitled to or I will be moving forward with charges and material facts and all complaints sent to you and little has been done. today they fix and pay that's it or charges are being filed.
Consumer complaint received 2017-07-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (NY)

I was told numerous times by many different representatives I have 12 months of forbearance for my loans. I took a few months of it and then I needed to extend it for the remainder of the 12 months. I paid {$150.00} to make my loans current and then they would extend my forbearance. A month later they told me they wo n't approve my extra time that I was told previously would be. So now I have  two  sets of payments past due. Sallie Mae has never been straight forward with me and I get all these different answers. They refuse to hear me out on why I want my forbearance.
Consumer complaint received 2017-11-16
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I am a victim of identity theft. Someone stole my personal identification information and opened fraudulent accounts. They are : XXXX XXXX XXXX XXXX and XXXX XXXX. I filed a police report with XXXX Police Department ( police report no : XXXX ) and sent that document to XXXX, XXXX, and Equifax asking to block and removed these fraudulent accounts. XXXX and XXXX blocked the fraudulent accounts, but Equifax refuse to block fraudulent account. I called to Equifax fraud department many times and no one could help me to resolve this problem.