davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CT)

On  XXXX   XXXX ,    2017 I received a letter (  copy enclosed ) advising me that my  XXXX  Credit Card account had been closed effective  XXXX   XXXX ,  2017 . According to the letter " Our decision to close your account was based on information we received that you may have filed for bankruptcy ... '' When I questioned them who sent them this information, they said it was by me ( my name ). they insisted it was valid information. They took my information, credit card number and the last  XXXX  digits of my Social Security number, and said they would investigate and get back to me i n 3 to 5  business days.     I FEAR THAT THIS MAY BE A SCAM BUT MORE IMPORTANTLY, THIS COULD RUIN MY CREDIT RATING.     Please advise if there is anything I could do to remedy this problem.      XXXX   XXXX   XXXX
Consumer complaint received 2017-06-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

I applied for assistance through Keep your home California  X/XX/2017   . I was approved for the program and was advised that all of the required documents have been received. Keep your home California has confirmed that they have submitted the assistance packet to my lend er BSI Financial Services. I  have called BSI on many occasions to confirm the status on my application, and they have been unable to confirm receipt of the application or any other information as to time-frame or status. I request that BSI provide me status of the KYHC application and resolve this issue promptly. KYHC ID #  XXXX
Consumer complaint received 2017-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (VA)

Every year since  XXXX ,  XXXX  charged me for software automatic renew service, I disputed with them successfully for 3 years consecutively, I disputed the same charge successfully in year  XXXX ,  XXXX ,  XXXX . This new year  XXXX   XXXX  charged me again on citi dividends master card automatically for no reason, I had discontinued the  XXXX  software service since  XXXX . By now they still charge me this every year! And cities bank card still try to collect more money beyond the   XXXX   XXXX   XXXX   charge, they add delay fees etc. It is ridiculous!!!        XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX  VA  XXXX   XXXX   XXXX  XXXX  XXXX   XXXX   XXXX
Consumer complaint received 2017-04-10
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Marlette Funding, LLC (CO)

Marlette Funding , LLC showed up on my XXXX credit report as requesting credit information XX/XX/2015. I have never done business with this company so I do not think they should have requested access. 

XXXX XXXX, DE XXXX XXXX
Consumer complaint received 2017-06-01
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: EQUIFAX, INC. (SC)

After obtaining a copy of my Equifax credit report I noticed several unauthorized transactions. I have n't really paid much attention to my report until this XX/XX/XXXX. I did notice several unauthorized inquiries for auto loans and I have contacted Equifax on several occasions, whether it be by phone, faxes, certified letters, etc. And they refuse to delete the inquiries that are inaccurately listed on my account. As a young woman looking to buy a home for my family I am trying to dispute inaccuracies listed on my credit report. The inquiries that are currently listed pertain to auto loans. I do n't have a need for an auto loan and being a credit bureau they have access to any and all of my consumer reports. This is making it very difficult to acquire credit. I am being denied credit due to numerous inquiries and it 's becoming more and more frustrated each day. I also asked for an early exclusion from XXXX inquiries that are due to fall off, but as we know sometimes inquiries just do n't fall off like they should. Again this is affecting my ability to obtain credit immensely. I have already contacted the creditors as Equifax has asked me to and they in turn tell me to dispute it with the credit bureaus. Can you imagine my frustration? The inquiries are INDEED FRAUDULENT! This request is very important to me and I 'm hoping you can help. XXXX has done an excellent job by taking care of the same exact request. Listed below are the inquiries. XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX The inquiries below are the ones I 'd like to have removed as an early exclusion XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX
Consumer complaint received 2017-06-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

Graduated from school XX/XX/XXXX. I began to receive bills in XX/XX/XXXX, each time I received a bill I called Navient and told them that I had not graduated but that did not stop Navient from calling my home, sending noticed and billing me every month. Every other day there was a message from Navient reminding me a payment was due and every week I would call the number and talk to a representative and let them know my graduation date was months in the future. Soon I just began to accept the harassment and stop calling. I did send back the bills with notes that I was graduating in XX/XX/XXXX, and I thought I had six months to find a job then start payments. My calls & notes were ignored. <P/>XX/XX/XXXX. I received my notice that my bill was near {$170000.00} with over a full one third in interest & late fees. My student loans are subsidized by the federal government, and should not accrue any interest while still in school. I had very little unsubsidized loans. <P/>I was told if I want my loan to be based on my income than I would have to print everything out and then FAX it in. I did all that and the repayment still included my entire family 's income. I am a grown women responsible for my own bills. <P/>I have worked for a XXXX XXXX at the XXXX level so my XXXX representative urged me to apply for PSLF Public Service Loan Forgiveness. For all my loans to be eligible I consolidated all my loans under an income repayment plan. I filled out all the paperwork to consolidate my loans and adhere to the rules. All loans under one consolidated loan so all would be eligible under the guidelines. Navient instead created two separate loans and said neither was eligible for PSLF. I need help. Navient is destroying my credit score as well as not adhering to the policy set at studentaid.ed.gov. The percentage charged against my loan ensures that I will never be able to pay off the balance.
Consumer complaint received 2017-06-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

I refinanced a loan and are waiting for a refund of our impound account from Loancare/ XXXX . We paid our property taxes of {$3600.00} during the closing of our refinance on  XXXX / XXXX /   17. We were told that Loancare receiv ed the refund on  XXXX / XXXX / 17 .  <P/> We received a portion of our impound account on time however we are missing the {$3600.00}, the same amount we paid for our real estat  e taxes in closing.
Made numerous calls and sent emails to Loancare with   no help or results.
Consumer complaint received 2017-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (FL)

On  XX/XX/XXXX  I called  Chase  customer service to check on my account and get log in information as I had not logged into my account in years. I spoke to several agents and explained to them that I do not have my username or password or credit card account number as I had not had this information since the last time I was able to log into my account which was in  XX/XX/XXXX . They kept telling me that I need to speak to a specialist to give me a code in order to log in, after being transferred and in frustration explaining the situation to at least 4 different agents none of which could help me log back into my account, I was told that my account was past due and I have late charges exceeding {$170.00} and it was not clear to me how much my monthly balances were as they told me several different amounts all exceeding {$100.00} a month. I asked why as I was told my minimum payment amount would be {$50.00} every month ( my credit card balance is about {$2000.00} ) and all they said was that I had a past due amount in  XX/XX/XXXX  which I paid and cleared up all extra fees and was then told the minimum fee would continue to be {$50.00} stated clearly by the agent. They did not inform me in any way or in writing that my monthly minimum amount due would be raised nor that I would be charged extra fees and I continued paying {$50.00} every month unaware of all these extra charges. I explained to several Chase supervisors that they should have informed me of these charges to which they answered that they sent me emails to the account in which none of the representatives ( conveniently so that I could not see my account to dispute this in my opinion ) could help me log into. They also stated that they sent me letters to my home which were never sent nor received. This is clearly a matter of deceiving the debt payer to continue paying fees and late charges unknowingly for as long as possible. I demand to see statements of what I have been paying for over 6 years and a statement of all the fees and charges in detailed explanation as well as certified receipts of letters that Chase has sent to me informing me of my " late fees and all other charges '' not related to my payoff amount otherwise I will not be sending my hard earned money paying off " late fee '' scams and new minimum monthly amounts that  Chase  raises without notifying the payee.
Consumer complaint received 2017-06-01
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (OR)

In  XXXX  of  XXXX  I contacted Navient by phone to initiate the process of having my student loan forgiven as part of the   XXXX    Loan Forgiveness pro gram. I was told by the representative that my loan did not qualify for forgiveness. I continued to make payments until  XXXX  of  XXXX  when a conversation with a colleague made me suspect that I had been given bad information. My loan did qualify for forgiveness. I undertook the process of getting loan forgiveness.  Navient  rejected my application four separate times for a variety of extremely trivial reasons ( e.g. I wrote a date as  XXXX  rather than  XXXX  ) but finally sent the note to the guarantor who paid my loan in full.   Because I was given false information on the nature of my loan, I ended up making a full year of payments unnecessarily.
Consumer complaint received 2023-02-10
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2017-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

We received your complaint. Thank you.     We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.   YOUR COMPLAINT I have been battling  XXXX , Experian,  XXXX ,  XXXX   XXXX  and  XXXX  's for almost a year to no avail. They are reporting incorrectly on my credit report and it is affecting me negatively. I am highly upset and stressed because of the inaccuracies. Numerous times, I have provided proof of payments and they still have not fixed.  XXXX  has verified it and removed both from my credit but  XXXX  and Experian still have not. Can you please assist me with this problem? I am requesting that this be removed immediately. I am providing you a copy of payments for both accounts as well as sending a copy to all the above mentioned. The next action will be to send seek legal action.   I acknowledge being late on payments following a separation which turned into a financial burden. However, I have always sent in payments even if it was small to show that I am truly trying.
Consumer complaint received 2017-06-01
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (MI)

I purchased a  XXXX   XXXX   XXXX  with my brother ( co-applicant ) through GMAC in  XXXX . We traded the  XXXX   XXXX  in for  XXXX   XXXX   XXXX  on  XXXX   XXXX ,  XXXX  in My name only this time.That being said the  XXXX   XXXX  was paid off through  GMAC and  the dealership had possession of it. I would n't be able to get another more expensive car had the other car not been paid off..I took possession of my new ca r (   XXXX   XXXX   ) . Initial ly there were  XXXX  30 day lates,  XXXX  reported on  XXXX   XXXX  and the other in  XXXX   XXXX . I was advised to dispute it by GMAC because they had different 30 day late dates and was advised sadly this happens and that we would just have to dispute it. I disputed it and they only removed  XXXX  30 day late which was the  XXXX   XXXX . When I called back in I was given a different story all together. I was advised that the final payoff amount that  XXXX   XXXX   XXXX  sent in was less than the total payoff amount and that 's why it was reported 30 days late but again I was advised the dates she showed were different. She advised me to have  XXXX   XXXX  of  XXXX   XXXX , MI to write an at fauIt letter stating they made a mistake with the payoff amount and they would remove the last 30 day late. I called  XXXX   XXXX  and spoke with my  XXXX  person  XXXX   XXXX  and was advised they did nothing wrong on their part and they refused to write such a letter. I was advised to talk with a  XXXX   XXXX  @  XXXX   XXXX  who is over him. I called on several occasions and left several voicemail messages for a  XXXX   XXXX  @  XXXX  and he has never once returned my calls. No one wants to acknowledge their mistake and correct this, meanwhile we have a 30 day late that is tarnishing our credit reports. We did nothing wrong ... we were never late. The car was paid off and out of our possession on  XXXX   XXXX ,  XXXX  so how can we have a 30 day late on our credit report for  XXXX   XXXX  &  XXXX   XXXX  and if that was truly the case why did they wait 6 months to report it? That 's why they removed the  XXXX   XXXX  late status because its impossible to have a late payment for a paid off vehicle and they know they were wrong. I 've tried disputing this a total of 5 times but it continues to come back verified and its illegal under the FCRA act to report inaccurate information. Neither GMAC or  XXXX   XXXX  will do anything to help me. I also feel that the credit bureaus are not doing there do diligence and that they are just going by what GMAC 's response was or I really feel like they are n't even investigating the matter.
Consumer complaint received 2017-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (NY)

I have  had Sams Club/ Synchrony Bank credit card for over a year, someone fraudulently accessed my account changed my address, phone number, email, cell phone, log on and password, and my complaint is Synchrony Bank did not notify me at all. I found out by security monitoring service that saw change in my credit re port. I have been very upset with Synchrony Bank that something like this could happen without any notice whatsoever to the card holder and they insist they followed normal procedures. I do not feel safe having a credit card with this bank.
Consumer complaint received 2020-10-07
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. (TX)

I am a victim of identity thieft. I'm trying to fix the inaccurate, incorrect and misused information on my profile multiple times. The credit company is refusing to fix and correct issue and claim it's verified.
Consumer complaint received 2017-05-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO. (MA)

I received a  Summons letter  earlier this month from office of   XXXX   XXXX   XXXX   XXXX  stated that I failed to appear in court  XXXX  and a judgment was made against me in  XXXX  in regards to a  Providian cre dit card from maybe  XXXX . I emailed their offices questioning what the documents was about because I was never notified on the actual hearing date! Even worse it 's  10 year old a nd they are chasing me for this! I probably had this type of card but thought the account was charged off or something? Sorry not sure what came of this card, I will own that I could have had a balance but NOT {$3000.00}. This office stated that the amount before this " judgement " against me, {$1800.00} was being basically taxed every month since   XX/XX/XXXX !? Whi ch explains why it sits at {$3000.00}? Anyway I called this office today  XXXX  # and requested a payment plan because I ca n't afford to take time off and or extra court costs. I need to know if this is legitimate? This whole thing has thrown me for a loop because it 's been 10 years and the lustig office wo n't give me anything other than the summons letter to explain why after this long I 'm being charged to pay this drastic amount. Please help!
Consumer complaint received 2017-06-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

After refinancing my home in   XXXX   XXXX     with a different lender, I had a escrow surplus with my old lender Ditech. On   XXXX   XXXX   XXXX     I was e-mailed by them informing me that I have a surplus due me in the amount of  XXXX  for which to this date I have not received. For nearly 3 months I have spoken with  6 c ustomer reps and  4  managers to no avail.     XXXX   XXXX   XXXX     they informed me that they sent the check to the wrong addres s, 2  weeks later it was in the mail being reissued , 2  more weeks have passed with no check, this time I was told to give it time. This went on with me talking to managers  XXXX ,  XXXX ,  XXXX  or  XXXX  and last but not least a supervisor name  XXXX  who uttered the words " what is it that you want me to do '' ; " remit  XXXX  to me '' I said. still no check.   On   XXXX   XXXX   XXXX   I spoke to a rep name  XXXX . This  XXXX  informed me that her  manager  named,  XXXX  instructed her to obtain my checking account information so that this amount can be deposited into my account, this was my routing and account number, now here is the scariest and nervous moment thru all they 've put me through I still have n't seen no deposit into my account. This gives me sleepless nights, in addition to nearly 3 months of this horrible experience my checking info is somewhere floating around. Ditech whom I thought was a stellar performer when it came to customer service turns out to be all but that.   It seems  on  e hand has no clue on what the other one is doi ng.   STILL NO CHECK.
Consumer complaint received 2017-06-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (MI)

Good afternoon, I applied for a loan from big picture loans as I was in need to pay bills and a student loan. I was approved for {$400.00} and the {$400.00} was deposited into my account on  XX/XX/2016   .     I believed I had fully understood/accepted the terms until I was able to see The Truth in Lending disclosure, which was not visible/available until after I accepted this loan. It showed an APR of 887.4203 % and that the total repayment amount for my { {$400.00} } loan would be { {$1800.00} } I had not been informed of the 887 % interest rate on the loan, and I was told there would be a { {$140.00} } finance charge, not { {$1800.00} } in total payments, and I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account.     There was a finance charge of {$140.00}, the {$140.00} ( amount slightly decreases until end date ) would be taken out each payday until the loan was satisfied at a 887.4203 % interest rate, or the loan could be paid in full at once for a total of {$540.00} ( {$400.00} loan amount + {$140.00} finance charge ) I have since paid more than what I rightfully owe, now totalling in the amount of {$1000.00} funds were take out on these days :  XXXX  -  XXXX   XXXX  -  XXXX   XXXX  -  XXXX   XXXX  -  XXXX   XXXX  -  XXXX   XXXX  -  XXXX   XXXX  -  XXXX   XXXX  -  XXXX   XXXX  -  XXXX  =  XXXX  I am looking to have my obligation fulfilled since I have paid the initial loan amount back ( {$400.00} ) and the finance charge ( {$140.00} ) = {$540.00} I am financially no longer able to sustain paying this loan as it is too much.     If possible I would like a refund of overpaym ent ( {$480.00} ) but  would gladly take just a clean break/account considered paid at this point if a refund can not be granted.      Big Picture Lo ans will not work with me on either request, all they have done is postponed withdrawals of the finance amount from a account, which they will now no longer do as well.     If you can assist with having my account closed w ith Big Picture L oans I will greatly appreciate it.     Thank you for your time.       Big Picture Loans ( or known as Red Rock Tribal Lending,  LLC d/b/a CastlePayday.com ) co ntact info is :  XXXX .  XXXX   XXXX ,  XXXX , MI  XXXX   XXXX