davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-01
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (NY)

In XX/XX/XXXX, I participated in credit protection with citibank card. After learning what it really was, in XX/XX/XXXX, I called to cancel my membership. I realized that this was a waste of money. I continued to pay my minimum balance assuming that the credit protection ceased. To my dismay and surprise, the fee continued to accrue. I have tried calling and writing letters to the company, but I am blocked and ignored. The credit protection was finally stopped in XX/XX/XXXX. A total of 7 additional years of applied fees. The fee is XXXX on every outstanding {$100.00} monthly. The debt is enormous and at the same time, I have lost my job. I spoke to a banking representative who directed me to go this path.
Consumer complaint received 2023-01-05
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. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$31000.00}
Consumer complaint received 2017-03-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: TRANSWORLD SYSTEMS INC (TN)

I have been disputing the amount owed to XXXX for two years. Every time I ask for proof of payments I 've made to XXXX from both XXXX and the various debt collection agencies I get NO response.This letter states that XXXX had paid a default claim to the original lender. This in my opinion is a fraudulent payment made on my behalf ultimately costing the american tax payer. Now Transworld Systems XXXX XXXX PA, XXXX has sent me a letter stating my debt is in default and is threatening to sue me for the amount owed. This IS the FIRST time I 've heard from this collection agency. By their own admission they received this debt on XX/XX/2017. They have no records that this has been in dispute and they immediately defaulted my loan and has sent this info to the credit reporting agencies. This is unacceptable collection practices. Every time I tell a collection agency that this is in dispute they " sell '' it to another collection agency and I am back at square 1 in trying to gain the information to compare with my own records. I firmly believe that when I lost my job two years ago I only owed approx XXXX for both loans total. These collection agency 's and by inference XXXX are stating that i owe XXXX ( rounded ) PLUS interest and collection fees bring my total to XXXX. Which by the way is a different amount that I was told by the last collection agency. I want an investigation into my history concerning the various agencies attempting to collect this debt. it is my contention that this debt has passed thru at least 6 different agencies all as soon as they here its in dispute they pass the buck to the next agency causing me and my credit report serious harm and harassment. I will be contacting a lawyer concerning this at this point because two years of trying to request info which by law I have every right to receive only to be given the run around and threatened is beyond the pale.
Consumer complaint received 2017-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (CA)

I was never late during the month it shows on the report. SEE ATTACHED PROOF OF PAYMENTS I HAVE SENT AND YOU HAVE CASHED AND CLEARED FUNDS FOR EACH MONTH THAT YOU ARE REPORTING THEM LATE ... THIS IS A VIOLATION OF FCRA AND MY CONSUMER RIGHTS. I HEREBY REQUETS THESE LATES TO BE DELETED. see attached proof of payments and chec ks cleared by PNC for  all the months they are reporting it being late.    PNC misapplied the payments on this loan which caused it to report late every month even thoug h all payments were made in a timely matter.    PNC sent 2 letters  now which are of automatically generated format of identical text stating they are reporting it correctly which is A FALSE STATEMENT AND VIOLATED FCRA RULES AND REGULATIONS
Consumer complaint received 2017-04-27
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: ALLY FINANCIAL INC. (GA)

I have not authorized  Ally Financial to make any inquiry into my credit report. At the times of the inquiries, I had a fraud alert on my report that ask for any company seeking access to my credit file to contact me personally. I called Ally Financial o n  XXXX  after reviewing my credit report from   XXXX   and was informed that they will not remove the inquiries. When explaining the issue to them, they refused. They are in violation.   XXXX   has informed that they will remove the inquiries if the company approves.     I would like for them to remove all inquiries that they have done into my Credit file and follow the law correctly.      XXXX / XXXX /  XXXX    XXXX / XXXX /  XXXX    XXXX / XXXX /  XXXX    XXXX / XXXX /  XXXX
Consumer complaint received 2022-09-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (KS)

I have had a mortgage with XXXX XXXX  for several years. On XX/XX/2022 XXXX transferred my mortgage to Nationstar Mortgage LLC dba Mr. Cooper. I had to begin making my payments to Mr. Cooper beginning XX/XX/2022. I made my first payment XX/XX/2022. I made a second payment on XX/XX/2022. Mr. Cooper accepted both payments and automatically deducted another payment from my XXXX checking account on XX/XX/2022 without my approval. Mr. Cooper was not authorized to have my checking account information or deduct money from my account. I called XXXX and reversed the unauthorized payment. Mr. Cooper is charging me a {$10.00} fee for something. I assume for that reversed payment that they fraudulently deducted from my account. Each payment was {$930.00}. This was not a mistake. Mr. Cooper knew what they were doing and intentionally committed fraud. 

Mr. Cooper XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, TX XXXX XXXX
Consumer complaint received 2017-03-01
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO. (WI)

In XX/XX/2016, I initiated a balance transfer from my credit card with XXXX to a new credit card with Chase Slate. A balance appeared on the new account of about {$3000.00}, but did not disappear from my XXXX card. Ever since XX/XX/2016, I have been making payments on both credit cards AND accruing interest on my XXXX card despite contacting both companies to try and resolve the issue. 

In XX/XX/XXXX, XXXX claimed they never received payment from Chase Slate. Chase claimed they had made the payment, but that the account number they sent it to was incorrect ( a debit account instead of a credit card ) and had therefore been declined. So although my online account at Chase still showed a balance of ~ {$2000.00} ( I make a {$300.00} payment to the card monthly ), they claim that at that point I did not owe them any money. They also claim that at that point, they REFUNDED the original amount of {$3000.00} to my checking account at XXXX, however there is no record of that amount landing in any of my accounts on or around XX/XX/2016 ( which is when they claim it was sent ). It is unclear whether that {$3000.00} includes payments I made on the Chase card in the meantime, or not. Chase can not provide me with the account number that they DID send the money to, though as of today they have sent me a snail mail letter which they THINK might have the account number on it for my reference. 

Since XX/XX/2016, I have paid {$850.00} in minimum payments and interest to the XXXX card I intended to close, AND paid {$2700.00} ( {$300.00} every month for 9 months ) toward the Chase Slate card that I APPARENTLY DID N'T OWE ANY MONEY TO (??? ) although the balance still appears on my online Chase Slate account. 

I am officially baffled and I do n't know what to do next. All I want is to have the money I was n't supposed to owe be returned to me, and to close both credit cards ( which will require another balance transfer to a yet-to-be-determined third party ).
Consumer complaint received 2015-04-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Genesis Lending (NY)

2009 XXXX XXXX, XXXX XXXX Thursday of every month I got pulled from class to get a new loan for my living and tuition expenses. I was at XXXX for one year and if I did n't go to sign the papers for my new loan every month I would n't be able to continue my classes to XXXX. I missed out on important class information and had to make them up on my own time. Homework and other hands on tasks became more difficult to accomplish if I did n't make up the lost time going to sign loan papers. I was told a rough amount that my school loan would be. About {$15000.00}. I started paying {$120.00} a month for my loan agreement then Genesis Lending increased it to {$190.00}. I called to ask why the increase in payment amount each month. I was told they saw i had a higher income so they adjusted the payment accordingly. Is that legal? I 've been paying this amount for 6 years and still owe {$13000.00}. I called Genesis Lending and come to find out they have been rolling over all the interest I pay on the loan every year. So all I 'm paying is interest basically for the last 6 years. I do n't think I 'm being treated fairly or legally.
Consumer complaint received 2016-10-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

Credit reporting institutions issue inaccurate and incorrect auto loan listed as mortgage information to financial institutions. Auto loan from XXXX has not been updated since XX/XX/2016 even when I furnished proof of payment and/or settlement on balance of {$13000.00} to {$1500.00} which documents provided by XXXX are attached. This has adversely affected my credit that I had to return a leased car due to dealer failing to secure a financier in addition to not being able to obtain funding of any amount. My employment is in jeopardy since it is premised on me having reliable transport.
Consumer complaint received 2017-03-27
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (NJ)

I had Care Credit Credit Card with Synchrony Bank. On XX/XX/2016 i paid the Balance {$50.00} and I asked to close the account. I kept sending me statements. I called they inform that i have to pay interest and they will waive the late charges. On XX/XX/2016 I paid {$260.00} and close the account. till now I am getting statement with interest and late charges. When I contact them the said it is different account, of which i did not open.
Consumer complaint received 2017-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (GA)

I 'm currently the POA of my father that 's in a assisted living memory care unit here is GA, and he has  XXXX  /  XXXX   XXXX  issues. Since  XXXX   XXXX  last year I 've tried to close this account due to his health issues and I 've been able to close credit cards with  XXXX  and  XXXX   XXXX   XXXX  . AAA member services was sent a copy of the financial POA in order for me to close this account. I then receive letter dated  XXXX / XXXX / XXXX  requesting my SSN and DOB in order to add me on account. After numerous phone calls from  XXXX   XXXX , through this past  XXXX   XXXX  they still want my information. They asked if my father could add me, and I said no he does n't even know what day it is let alone time. I also informed them of his condition of  XXXX  and  XXXX   XXXX  which they still insisted policy required me to submit information. All I want to do is close this account, and be done with  AAA  Credit Card. I hope you all can assist me in closing this, and I do n't understand when the other credit cards companies where fine in what I sent and understood my situation.
Consumer complaint received 2017-08-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC (FL)

I took out a payday loan with Big Picture Loans. I can not pay this loan in accordance with the terms of the loan. I contacted a credit counselor under the law in Florida which states : Grace period. The law provides you with a 60-day grace period if you are unable to pay back the loan upon the expiration of the contract term. But to take advantage of this you must : ( 1 ) make an appointment with a credit counseling agency within seven days of the original due date, and ( 2 ) complete the credit counseling within the 60-day grace period. If the credit counseling agency recommends a repayment plan, you may repay the debt in  accordance with the plan without incurring additional fees or costs. I completed this. The company emailed Big Picture proof of same. Big Picture immediately placed my loan in a " past due '' status even though my payment is not due until tomorrow. They refuse to speak with me. They have already collected over {$900.00} in interest with {$0.00} applied to the loan itself. I have since learned that these types of loans are prohibited in Florida.
Consumer complaint received 2017-10-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

XXXX XXXX XXXX - Made XXXX SEPA transfers to Coinbase for euros through my XXXX XXXX XXXX Account. Amounts were XXXX XXXX & XXXX XXXX. Transfers quoted appropriate references. 

I received automated response on XXXX XXXX saying XXXX is being reversed as accounts do not match. They do and I sent email, email service did not work and advised to send complaint through their support. I did this and issued case number XXXX # : XXXX. I did the same for the other transfer upon receiving a similar advice of reversal. 

Some emails exchange and issue escalated with Coinbase but still no news and no response to tweets and direct DM messaging service on XXXX. 

Coinbase have gone silent and no monies received back at XXXX XXXX.
Consumer complaint received 2017-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (FL)

Consumer alleges that : - Consumer was approved for a Barclay card in early XX/XX/XXXXfor a {$12000.00} limit - Consumer was verbally provided disclosures about balance transfer offer on a recorded line - Consumer was also provided online link to disclosures and paper disclosures in the mail - Terms and conditions specified that a balance transfer to a non-credit card loan need to be done manually by calling customer service after the card is approved and received in the mail - Consumer did call Customer Service on XX/XX/2017, but was denied the balance transfer opportunity due to system limitations not being able to balance transfer to a line of credit at a Credit Union - Consumer filed a complaint with Barclays over misleading information and non-compliance with the card 's Terms and Conditions.
Consumer complaint received 2017-03-16
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (AZ)

I have appreciably {$95000.00} in student loan debt. I have been on an income based repayment plan for many years, and renew it each year by providing my tax returns and/or pay stubs. 

My income increased last year. I filed the paperwork to renew the income based repayment plan, aware that my monthly payment amount would increase. I was surprised to find howeveer that my payment had increased to 400 % of the prior year 's amount. Because I can not afford the newly recalculated payment, and because Navient 's website states that it will work with borrowers who are having trouble paying, I reached out to see what could be done. 

I informed the company that I was willing to extend the term of my loan or look at any other options that would prevent me from defaulting. I was told that my income based repayment could not be adjusted. In an online chat with Navient. was told that I could call the company, make a payment of whatever I could afford in order to exit the income based program, and then the company would help me enter into another payment plan ( such as an extended repayment period ) that would help me afford my payments. I called the company to do so ; and was told that I would need to make an immediate payment of $ XXXX in order to exit the income based plan and to even see what my options would be under another plan. Shocked, I said that I could not afford $ XXXX immediately. The representative suggested I enter forbearance on my loan. Because I could not see another way to avoid default, I agreed to enter forbearance. 

Because I had received conflicting information from two different Navient representatives, I called the company again. I explained that I wanted to make the payments that I could, that I did not want to be in forbearance, and asked that they please help me enter another plan. Again I was told that I would have to pay $ XXXX in order to even see my other options. 

At this point I am still in forbearance although I am paying what I can on a monthly basis so interest does not continue to accrue, but this is not a long term solution as forbearance is limited.
Consumer complaint received 2017-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO. (PA)

On XXXX, I received an Email from a credit bureau company indicating that chase has added a missed payment to my credit history. It was surprising since I knew I was enrolled on auto-payment program, so it is impossible to miss a payment. I contacted XXXX and they informed me that they have sent a letter to me on or around XXXX XXXX indicating that my auto-payment has been turned off. However, they surprisingly sent the letter to my previous address in XXXX, while currently it is more than a year and half that have abandoned my previous address in XXXX and live in XXXX. In fact, in XXXX, I contacted chase via phone and updated my address, but based on my recent communication with them, they have failed to update my address for some reason! Accordingly, I missed a crucial correspondence with respect to turning off the auto-payment on my account, which led to delinquency and unfair report to the credit Bureaus. I talked to XXXX XXXX XXXX on XXXX at XXXX XXXX with respect to my complaint. She mentioned to me that she has left a note on my account regarding her finding regarding my complaint. 

Accordingly, given that chase failed to update my address, despite my request to do so via a phone call in XXXX, and chase has turned off my auto-payment after I enrolled in the payment program while subsequently failed to send correspondence with this respect to my updated address, I hereby request chase to correct its wrong-doing and remove the missed payment from my credit report history. 

I thank you for your cooperation and attention to this matter herein.
Consumer complaint received 2016-08-02
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (FL)

My AMEX Macys credit card ( XXXX, XXXX ) company refuses to correct my account from 60 days past due, per their error in processing my return, to that of a {$0.00} balance, no late payment. Despite my efforts for the past 3+ months to have them correct my account and forward the correction to the credit bureaus ( XXXX , XXXX , XXXX ), they refuse to do so and forward a statement of said correction to my attention. 

At present, XXXX documents payment status as " current, was past due 60 days. '' Moreover, they document 60 days late for XXXX 2016. 

XXXX, too, documents 60 days late for XXXX 2016. 

I have never been late in making payments. The accounting error stems from the fact that they did n't process a product return and allowed for finances charges to accrue thereby generating erroneous late payment notifications.
Consumer complaint received 2015-05-03
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

My complaint is somewhat complex and involves the practices of Citibank who issued me a credit Card. I made charges on my Citicard ( number ending in XXXX ) and my Balance was {$8000.00} approximately two years ago. I cut up the card and they wont give me all the numbers over the phone so I only have the last XXXX. I entered into a debt management program with a non-Profit agency recommended by the XXXX County government ( XXXX of XXXX County ) which required a 4 year Agreement with all my credit Cards being paid-off at $ XXXX month. The total credit card debt was approximately {$35000.00}. Citibank was paid XXXX/month. No debt was forgiven, but the creditors generally agreed to reduced interest ( about 10 % ) and not to Charge any fees. I made all my payments of {$880.00} on time. In XXXX of 2014 I began receiving calls XXXX times a day from Citibank saying my account was delinquent and they had already made entries on my credit Report. After calling several Citibank departments I was told that a payment was made late in XX/XX/XXXX disqualifying me from the program and that my payments were delinquent after that because the new Minimum payment was more than $ 180 month. All kinds of fees were added to my Balance and they had changed the interest rate to 30 %. They said I no longer qualified for the program because of the late payment and they refused to participate in it anymore and said I had to pay them directly under the new conditions. They had never sent Statements like the other companies so I asked for past Statements and current Statements but they refused to provide them because they said that Statements are not available with the type of Card I have. In XXXX 2014 None of the other credit Card companies reported a late payment. I refused to pay them anymore without Statements and so now I just pay XXXX/month to the debt Management plan. Citibank now calls XXXX times a day even though I asked them to stop and I have to Change my phone number. I figure with the fees and 30 % interest not only have they wrecked my credit I was trying to improve, but the Balance is probably {$2000.00} higher than it was in XXXX 2014. The Penalty for suposedly being late on XXXX payment does not seem equitable. it seems like a scam to extort extra Money out of me. Can they use this as an excuse to just disregard the contract they made with me as part of the debt Management plan. What they are doing doesnt seem morally right.