davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (LA)

In XX/XX/XXXX, I requested that my loans be placed in forbearance through XX/XX/XXXX because I would be away for military training ( XX/XX/XXXX-XX/XX/XXXX ), and also that the military 's student loan repayment program will soon pay their share of my student loans. I was told that they would be ; later in XX/XX/XXXX I discovered that they were not and this adversely affected my credit score. I called the company to complain and a supervisor said that he would  check the tapes to verify my claim that a representative from the company assured me that the loans would be placed in forbearance during this time. I did not hear back from the supervisor, but I did receive a letter from the company stating that my loans were approved for forbearance from XX/XX/XXXX to XX/XX/XXXX. This letter is dated XX/XX/XXXX. Although my  forbearance was approved, FedLoan refuses to correct this on my credit report because the letter is dated for XX/XX/XXXX. I have consistently paid my account with them ( and all of my creditors ) on time, except for the two months that I thought the loans were in forbearance. I submitted a letter of good will pleading my case, and the company told me that they do not grant good will exceptions in any case after I called them twice to check on the status of my request. I have also disputed this issue numerous times, and each of my disputes were rejected.
Consumer complaint received 2017-10-06
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. (MD)

I 've contacted Equifax at least 15 times regarding this matter. I 've even contacted the companies which they 've stated they did not have any information on file regarding inquiries
Consumer complaint received 2017-10-06
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (LA)

my home was in the flood area of XXXX2016 in Louisiana. my business was down due to this, Chase offered 3 months off on payments, I took this offer, at the end they wanted all 3 payments plus the current payment in 1 month. I did not have it I asked if I could pay the current month and add the other 3 to the end. they said no but they had another plan a mortgage assistance plan that would refinance my mortgage, to qualify I needed to pay 3 payments on time, which I did then after the end I would sign papers and be up to date which is what  happened. at no time did they tell me I would be reported late on my mortgage to all the credit bureaus, I followed there plan and still was reported. I feel I was mislead the whole way, if at anytime they would have told me all the facts I could have at the time with my great credit rating that I have maintained all my adult life I could have gotten a loan at any bank. but they have now wrecked my credit and because I cant renew my current business loan I will lose my business at the end of the year. I tried to dispute the issue with them but was told that even though I was n't properly informed that theres nothing they can do, they even admitted that many others were having this same issue and the gentlemen felt that they should probably inform people better. I dint know if there is anything you can do to help but I sure need it. thank you XXXX XXXX
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2017-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

I am paying back a Parent Plus loan for my daughter. The loan was originated from XXXX XXXX, everything seemed to be accurate until Navient took over the loan. I have always paid more than the minimum on the loans each month, I also never was late, however the balance of my minimum payment almost doubled and the balance seemed to be higher in the end than what i should be paying. I contacted the company and they told me at one time I was paid ahead but now i am not and i had to have a higher minimum payment to make sure my loan was paid off in allotted time. i have always paid more than the minimum and this made no sense to me. When XXXX was our provider on XXXX 13 we owed a balance of {$5100.00}, today our current balance with Navient is {$5400.00} there is no way these totals are correct, we called and the way they explained it to me i honestly can not understand, we will never get this loan paid back at this rate until the problem is solved with the numbers, it makes no sense, we need help figuring all this out, but customer service is no help.
Consumer complaint received 2017-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AFNI INC. (NJ)

I had an account with XXXX which I paid in full. The account was supppose to be removed upon payment but it 's still there. According to credit report on credit karma it was a removed collection but it 's still posted as a derogatory mark in collections account. I also have an account with Afni for XXXX XXXX XXXX that keeps appearing on my account which was removed off of my report but keeps reappearing. The amount was disputed once the account was cancelled. I 've contacted XXXX they ca n't seem to find my information but it 's clearly on my credit report saying that I owe XXXX. One of the papers I attached clearly shows that XXXX XXXX XXXX account was closed and removed.
Consumer complaint received 2022-01-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions (SC)

Attempted to write, and made phone call to the company Rent recovery Solutions. The company could not and did not ever verify this debt. Also they did state the signature was signed electronically. Never my signature. But they never removed account from my credit report.
Consumer complaint received 2017-10-06
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (KY)

I have a Direct Express Debit Card which my SS Benefits are deposited on each month. On XXXX XXXX, XXXX I paid my utility bill of {$330.00} and I have the receipt that shows I paid XXXX, but when I checked my account on line the amount had been taken out twice, XXXX minute apart. I called XXXX XXXX and it took XXXX hours to get thru, they will not let you hold for a rep, you have to call back again and again. They stated they would mail me forms to fill out and MAIL back ( no faxing ). That was the XXXX, it is now XXXX XXXX and still no forms. I have called again and got the same speel. it will be there. I looked on the internet for reviews of Direct Express and I found it on XXXX Off Consumer site. I think they are really taking peoples hard earned benefits. I think XXXX XXXX XXXX, needs to change companies to handle recipents benefits. I call XXXX and it was suggested to me to get a local bank Direct deposit. Some one needs to check Direct Express out.
Consumer complaint received 2017-10-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: LPSG (NC)

On XXXX XXXX, XXXX I received a voice mail message from phone number XXXX XXXX XXXX  XXXX stating that they just held a preliminary hearing in reference to a debt going back since XXXX in the state of XXXX. I called the number back and the woman that I spoke with stated that they served me XXXX to my job and that they are going to garnish my wages and will seek the maximum amount of XXXX. I told her that I was not served any papers and what addr did they have. She refused to tell me since this is a " legal document '' and can not give me any information. I told her that I was going to contact my employer to see if they received anything and she told me that she could not give me any information or send me any information about the document they have. I currently am no longer in XXXX but in XXXX. After she put me on hold she realized that they sent it to the wrong addr. When I asked her to send me the papers she STILL refused to send my ANYTHING. I am currently XXXX with my daughter so I use my mother XXXX in XXXX XXXX. The woman then transferred me to their collections department XXXX LP XXXX ph XXXX no address listed ) and they told me they can accept XXXX a month. They sent me a copy via email to signed. I FELT LIKE I SIGNED IT UNDER DURESS BECAUSE THEY THREATNED TO GARNISH MY WAGES. PLEASE HELP ME. ANY ADVICE WILL HELP. I would have gotten a lawyer but I do not have the money. Thank you in advance.
Consumer complaint received 2020-04-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: DISCOVER BANK (NJ)

On XXXX XXXX I inquired through Discover Student Loans secure messaging center whether Discover would be offering any lower interest rates or special accommodations due to the COVID 19 pandemic? 
I did receive a email response but was not able to call the customer service department until XX/XX/2020. ( The delay in my response was in direct correlation to caring for an ill family member, whose health failed and resulted in her death. ) When i asked if I could enroll in the offer of zero percent for the next 2 months I was told the offer expired! Also Discover did not offer this accommodation, you could only get the information if you reached out to them, offering no transparency. Even if you could afford to pay something on the loan during the offer, it was not permitted ; therefore there was no way to take advantage of the zero percent offer by making any payment. Discover offered to defer payments but interest would keep accruing at the same rate of the current loans. 
It seems Discover is doing nothing to support the student or the parent as a co-signer.
Consumer complaint received 2022-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (MI)

I made an online payment to Wells Fargo of {$250.00} thru the Wells Fargo Mobile App on XX/XX/2022. On XX/XX/2022 Wells Fargo took an additional {$3200.00} from my Bank Account as an " Auto Pay. '' When I called Wells Fargo XX/XX/2022 that I did not authorized an auto pay of {$3200.00} and asked them to reverse the charge, they said it would be done in a couple days. I asked them to explain to me why {$3200.00} was taken from my account as an XXXX XXXX and they claim that I set up auto pay for the statement balance. That is not true. Further as of XX/XX/2022, they have not returned my funds and when I called, they are now trying to tell me that they have to " research '' this and that it will take until XX/XX/XXXX, and that additionally since my bank account is a non Well Fargo account, it will take an additional 11 days to return the funds. Further, when I now go into the mobile app and the desktop computer website, I am not able to change the autopay??? How is it that they can take money from my account in hours yet take 27 days to return my funds from my initial request on XX/XX/2022. They claim to be doing the best that they can. Really? If they are doing this to me, I am going to say that it is more likely than not, this is their standard way of cheating customers. Seems to be a pattern Wells Fargo. Lastly, when I asked to speak to a supervisor, I was told it would take up to 48 hours for a supervisor to call me back. How can this be possible that they can hold my funds for 27 days? I am not getting clear answers from them and the story changes from one day to the next. They refer to their " process '' yet can not tell me what that process is nor be held accountable. You can do better Wells Fargo and you need to do better.
Consumer complaint received 2017-10-06
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: ACS Education Services (AL)

I have filed several disputes about my student loans. I recently did another dispute because I have n't received information from the last dispute back from XXXX. I have contacted the student loan companies about removing and not active old loans. I also inquired about why are they still updating as well. Some of the loans were discharged in bankruptcy and the others transferred to XXXX. I spoke with someone XXXX/XXXX/XXXX about the loans, and she stated that she could n't removed the loans because they are no longer affecting my credit despite they are outdated. She also told me not to dispute the loans anymore because each time it will mess up my credit.
Consumer complaint received 2022-08-05
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. (WA)

I am filing a formal complaint against the credit reporting agency that is identified as " Equifax Inc. ''. 

By their own admission, Equifax has stated that they have issued wrong credit scores for millions of consumers. My consumer report has recently been reviewed, which informs me that they have my personal information in order to furnish such a report. Per 15 USC 1681A ( 3 ), Equifax does not have my permission nor my consent to furnish anything on my consumer report. Per 15 USC 1681A ( 4 ), they also did not exercise grave responsibility to ensure that my privacy was maintained. This is evident due to the fact that my personal information, which includes but is not limited to - name, social security identification number, etc. is included in the consumer report. 

This has given Equifax not only the ability to allow identity theft and fraudulent actions to occur on my consumer report, but they have also willingly accepted information that they believe belonged to me without first contacting me personally to ensure that the information was valid and true. I demand that all items furnished on my consumer report be removed, and that Equifax be held accountable and pay for damages that not only contributed to defamation of my name and credit due to them being a major credit reporting agency, but they pay for all inaccuracies that were furnished on my report. Itemized line items will be provided to Equifax during the resolution process in order to completely clear my consumer report of all inaccuracies. 

The Attorney General will be contacted as well, to ensure that all avenues of rectification are obtained. 

Thank you.
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

ftc violations also attached case pertaining to my case Ftc deem all companies to in VIOLATIONS The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. 
Unfair and Deceptive Practices The OCC took the lead among the federal bank regulatory agencies in developing an approach to address unfair and deceptive marketing practices. These practices are often an element in predatory lending. The OCC has taken a number of enforcement actions against banks that were found to have engaged in abusive practices and, in one landmark case, required a bank to pay over {$300.00} XXXX in restitution to its customers. 

Predatory Lending Fair lending laws also contain provisions to address predatory lending practices. Some examples follow : Collateral or equity " stripping '' : The practice of making loans that rely on the liquidation value of the borrower 's home or other collateral rather than the borrower 's ability to repay. 
Inadequate disclosure : The practice of failing to fully disclose or explain the true costs and risks of loan transactions. 
Risky loan terms and structures : The practice of making loans with terms or structures that make it more difficult or impossible for borrowers to reduce their indebtedness. 
Padding or packing : The practice of charging customers unearned, concealed, or unwarranted fees. 
Flipping : The practice of encouraging customers to frequently refinance mortgage loans solely for the purpose of earning loan-related fees. 
Single-premium credit insurance : The requirement to obtain life, XXXX, or unemployment insurance for which the consumer does not receive a net tangible financial benefit.
Consumer complaint received 2017-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A. (CA)

I am interested in citi prestige credit card and went to citi XXXX branch in LA last Saturday XX/XX/XXXX. 

I was waiting in the lobby for about 20 mins then a lady named XXXX showed up to help me. XXXX tried to get rid of me the moment that I mentioned I want to apply for prestige credit card. She does n't know this particular credit card very well and also try to persuade me to apply for another cards. She keeps selling other credit cards to me and meanwhile she said if I want to have prestige card then the annual fee is {$450.00}. I asked if she could let me open a priority account to reduce the annual fee to {$350.00} ( which everyone else is doing ). She did n't want to help me at all at that point and said I should JUST GO HOME AND APPLY ONLINE because " if you apply online, the annual fee is {$350.00} '' - which is a totally lie! I know that If I apply online the annual fee is still {$450.00}! 

After I told her this is not true, she went to ask her manager. Then she told me that I have to have a cashier check with {$50000.00} to open a checking account. I am highly doubt this is the truth. They are just trying to get rid of me. The general fee for the checking account is $ 30 monthly and hold {$50000.00} in the account will waive the monthly fee. That 's it. It 's not a criteria at all to have {$50000.00} to apply for the checking account!!!
Her manager even told me that they are afraid I 'll close the checking account after I got the discount for credit card so that they are not willing to open the checking account for me. They want to see the cashier check first to prove " I am serious about it ''. I told them that I would go home and ACH the {$50000.00} to the priority account from other bank. But they just do n't trust me at all and treat me like a liar or trick me like a fool. 

XXXX and her manager can not just trick customers like this! They are so unprofessional. I drove more than two hours to the XXXX branch because there is no citi branch in my town. XXXX and her manager has wasted another 40 mins with their bad and inpatient attitude!
Consumer complaint received 2017-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

On XXXX XXXX, 2017 I sent a letter to XXXX XXXX XXXX XXXX asking to investigate and remove the incorrect reporting of an account of mine. It currently reports as " Past due 30 days, two times. '' I sent my letter to the address that was listed on my  XXXX credit report, which is the following : XXXX XXXX XXXX XXXX, XXXX, IL XXXX. In XXXX 2017, that letter was returned as undeliverable. This means that the address furnished by the original creditor XXXX XXXX XXXX XXXX is reporting inaccurately. According to the Fair Credit Reporting Act, only ACCURATE and VERIFIABLE information may be reported on a consumer credit report and if it does not meet any of the aforementioned criteria, by law, it must be removed. Therefore, I am requesting that not only the negative remarks be removed from the reporting of this account from XXXX, XXXX and Equifax, but that they also furnish said reporting agencies with the correct address information to be reported.
Consumer complaint received 2017-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Lending Club Corp (CT)

I contacted company explaining that I never made or authorized the XXXX transaction from lending club or so company it said on my credit score I wrote into XXXX they write back saying and explaining there was no account number active by the account number I wrote in and sent copy to them about. I contact credit card company explaining my credit card was lost/stolen but they fix part of it cancel old card and put a stop to it but do n't take transaction off that I never authorized so I never said to authorize the transaction that I never made of an account that does n't exist so I 'm really tired of this and trying to fight to get rid of the fraud charge that I should n't have to pay because I never made the purchase and its starting to really XXXX me off I 'm about to cancel and close credit card because of the company does n't wan na do their part and fix the problem ... I just mailed out a form demanding the fraud be fixed and permanently be reimburse and credited back so hopefully this works I 'm on almost 10th time contacting them should n't have to do it it should 've been done first or second time and fixed immediately.
Consumer complaint received 2017-10-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

Im having problems with 2 separate loan companies.. one with Navient and another with XXXX. Both are threatening to take income tax garneshings, after Ive attempted to settle with both. With XXXX, they are saying Im delinquent on 5 small loans totaling around $ 1k, and they report to my credit 5 times, after Ive asked to combine them into one loan.. each wanting to take a large sum of money monthly. With Navient I owe around 16k and they want around 700 per month, and they just kept putting me in forbearance instead of lowering costs. When I tried to just pay what I could they still reported me delinquent. I have XXXX kids, one with XXXX and Im a single mother, with other household expenses and daycare costs. I dont know what else to do, since my credit score is now shot because of it.. I got it up enough during my 3 month forbearance to get a loan for a car, but now its below 500 again because of the loans.