davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (MI)

All of my loans were with XXXX XXXX throughout my XXXX  school training, from XX/XX/XXXX to XX/XX/XXXX. When XXXX from XXXX  school in XX/XX/XXXX, I made many calls to my loan serving company so that I could properly consolidate my loans and enroll in an income based repayment plan, and begin working toward the Public Service Loan Repayment Program. At that point, my loans were switched ( without my knowledge ) to XXXX. I was told that my loans had been consolidated, I waived my 6 month deferment, and began paying my monthly payments to beginning accruing toward my 10 years of payments. Unknown to me, XXXX XXXX had only switched HALF my loans to XXXX, and the other half ( two different loans ) were still with XXXX XXXX, and not enrolled in any repayment plan. It wasn't until 6 months later that I received a ~ {$3000.00} bill from XXXX XXXX that I was told I was " still in school '' when I had attempted to consolidate my loans, and therefore these loans were not consolidated. Of course, that makes no sense, since I had already XXXX  from XXXX  school in XX/XX/XXXX and half of my XXXX school loans WERE in fact consolidated and sent to XXXX. And it makes no sense since the consolidation had taken place after my public and exciting XXXX   from XXXX  school. The XXXX  was on XX/XX/XXXX. In any event, even if they were to argue that I didn't truly XXXX until XX/XX/XXXX, I was not informed of this issue, AND they actually did consolidate half of my XXXX school loans. You simply can't have it both ways. Because of this, I lost 11 months of IBR on my now " second '' and " third '' consolidated loan. I simply want to be credited with the 11 months to my second and third loan just as I was to my first. Please see attached documetation, especially the email from XXXX XXXX noting I had submitted my consolidation request ( XX/XX/XXXX ) after the date of my XXXX  ( XX/XX/XXXX - picture of XXXX ticket also attached ).
Consumer complaint received 2021-06-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (MD)

As of XX/XX/21 I'm receiving spam calls on landline phone. Message says that my Amazon charge card has been charged for $ 700+ dollars for items I did not purchase and directs me to select the numeral 1 for more information. I did not press the phone link. I did check my Amazon account information and there are no charges for items I did not make. I don't know what would happen after pressing " 1 '' and do not want to find out. I have received 3 of these calls today. Phone numbers the calls are coming from is " XXXX and XXXX.
Consumer complaint received 2021-06-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (TX)

Caine Weiner has failed to provide lawful validation of this alleged debt, they have failed to provide their method of verification of this alleged debt, they failed to update this account to have been under dispute in the past and are reporting inaccurate information associated with this account like open account on my consumer reports. Each of these are blatant violations of federal law actively being committed. I am engaging the CFPB to aid me in the enforcement of my protected rights under the Fair Credit Reporting Act and Fair Debt Collection Practices Act. I will be enforcing my rights to obtain remedy for all damages caused by this company. Pursuant 15 USC 1692k and 15 USC 1681o there is no limit on monetary relief I can relief for all proved damages.
Consumer complaint received 2022-07-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Braviant Holdings, LLC (AZ)

Ive already made a complaint about this company before but I just want to make another so everyone is aware from my awful experience dealing with Balance credit ( https : //secure.balancecredit.com/portal/payments/schedule ). So I got a loan in XX/XX/2020 with this company. The approval process is fairly quick. The interest rate is ridiculous 200 %. So I borrowed {$2000.00} and I had a payment due every two weeks for {$180.00}. Ive made extra payments and I tried to get the payment negotiated to {$100.00} a month which they did but then of course they dont tell you this they turn around and report a 30 day late to your credit report. So it doesnt matter if you and a payment plan or not they will still constantly call and harass and will still report a late. If youre even a day late or even if youre paying all the time theyll send you email constantly and call you all the time. The customer service is awful they are overseas they talk like robots dont understand anything. So this company is awful this is the worst online lending company by far. Like I mention if you struggling to make a payment or ask for a lower payment they will lower your payment but keep the interest-rate exactly the same but then will report a 30 day late. So I am writing this complaint again to hopefully warn others to stay away from this company dont do business with Balance Credit at all do anything that you can borrow from friends or family. Its not worth it at all because like I said in my case I borrowed {$2000.00} and before my last large payment I still owed {$2500.00} because of the interest rate. So anyone even considering this company dont do it it will be the worst mistake. So I repeat do not even consider getting a loan with this company you will regret it. Not only will they get you further in debt but then if you try to negotiate payment they will report 30 day late and like I mentioned they call and harass every day for payment if youre even a single day late or even if youre in a payment plan they still call and harass you. Im lucky I borrowed money from XXXX XXXX my help my dad as he cosign and I will be paying off this loan.
Consumer complaint received 2022-10-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

I am contacting you about XXXX and Citibank which I contacted today XX/XX/22 and I contacted XXXX XXXX  daily for the past 10 days. Both banks, and indeed many banks today can not deal with some one who does not have a mobile phone. They have one way to verify me and that is through a mobile or cell phone number. I feel this is discriminatory towards people without cell phones for whatever reason. I have no interest in having a cell phone but many older people do not have any idea how to use a cell phone for more than a call even if they do have one. In addition in states other than my own which gives free cell phones out to lower income people, there are many who can not afford a cell phone. 
I have been barred from my online account at XXXX over and over and have a limit of {$500.00} per day for 10 days now to use my account. Citibank will not issue me a debit card as they can not verify me. 
I think that all businesses should have more than one way to verify someone. I have spent at least 30 hours on the phone with this issue in the past XXXX weeks. I am required to walk into the bank in person. I am not a shady person but I am trying to have all the rights of a person with a cell phone. I think there should be a second way to verify customers. I also would like to complain about another issue and that is that one can not have a debit card and separate ATM card any longer. I have been told it is for security reasons but this decision is anti security. A debit card is not at all secure. Anyone can take my debit card into any number of retail places where you can use it for up to {$100.00} with no one asking for a pin or looking at the back of your card to verify you. An ATM card is very secure as someone needs to know my pin to use it. Therefor e I feel secure carrying around an ATM card at all times in case of need but I do not feel secure carrying around a combo card that has an insecure debit card attached to it. Why did someone make that decision that these two should be combined thereby decreasing the security of my accounts.
Consumer complaint received 2021-02-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

XXXX responded with wrong information. 
My Loan with XXXX still showing in my credit report with XXXXXXXX XXXX On 2012, I have had Chapter XXXX Bankruptcy while I own my house in XXXX XXXX XXXX. XXXX, MD XXXX and I have a mortgage with it, after I received a discharge, my Mortgage did not show in my credit report until XXXX ( Loan Number XXXX ) took over my mortgage and I had a complaint against them before and the XXXX said that they remove my Loan form my credit report, now I just checked my credit report and XXXX still showing in my credit report, I want XXXX to remove my loan from my credit report, l was discharged my personal liability for the mortgage because of the Chapter XXXX and I did not do any Reaffirmation Agreement with XXXX, I believe the XXXX did a violation of the Bankruptcy.
Consumer complaint received 2019-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

ON XX/XX/2019 I HAVE PREVIOUS SENT IN DISPUTES TO TRANSUNION, XXXX AND XXXX AND the scope of the dispute outlined on a XXXX WAS NOT PROVIDED AS REQUIRED BY FCRA 611 ( 15 U.S.C. 1681I ) I NEED THESE ITEMS REMOVED XXXX Account # XXXX XXXX XXXX XXXX XXXX, OH XXXX THIS ACCOUNT HAS NOT BEEN VERIFIED AND NO EARLY WARNING NOTICE WAS GIVEN AND STATES I WAS LATE HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND IT WAS PREVIOUSLY DISPUTED HOWEVER THE DATA FURNISHER NEVER PROVIDED A SCOPE OF HOW THE ITEM WAS INVESTIGATED SO I DEMAND THAT THE LATE BE REMOVED XXXX BANK Account # XXXX PO BOX XXXX XXXX XXXX, NY XXXX BYMAILONLY THIS ACCOUNT HAS NOT BEEN VERIFIED AND NO EARLY WARNING NOTICE WAS GIVEN AND STATES I WAS LATE HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND IT WAS PREVIOUSLY DISPUTED HOWEVER THE DATA FURNISHER NEVER PROVIDED A SCOPE OF HOW THE ITEM WAS INVESTIGATED SO I DEMAND THAT THE LATE BE REMOVED
Consumer complaint received 2020-07-05
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8500.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account.

-- CLOSED ACCOUNT 2. XXXX  XXXX XXXX with ACCT # XXXX   opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-03-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (FL)

Our Condo HOA provided TV via XXXX as part of our association dues. So I used XXXX for my internet service needs for a couple years at a flat rate of XXXX XXXX  month. XXXX lost the contract with the association, In an effort to retain business, kept the flat rate of {$40.00} for internet services, as each unit paid that themselves. This continued for many months until XX/XX/2020. My XXXX bill went from {$40.00} to {$58.00} but it was already hooked up and working so I remained a customer. In XX/XX/2020 the rate jumped to {$180.00}? I called XXXX assuming there was a mistake for the rate to increase almost five times? Nope. So I cancelled. XXXX stated that I COULDN'T CANCEL? They stated that I had to give 30 days notice from my billing date, meaning I was responsible for this new rate now for almost 7 weeks. I pushed back and said I was cancelling IMMEDIATELY ( obviously - who pays 5 times more for the same service? ) as I was not under any type of agreement or contract. I stated I would pay them the pro-rated share for the less than 10 days of service at the agreed upon rate, but they refused to send me a corrected bill. I cancelled their services in my mind that day, and I returned their equipment. I had XXXX XXXX services installed the next day through their Internet Essentials Program for low income households receiving Medicaid and Food Stamps, and have XXXX to this day. XXXX can not BACK DATE charges and can't continue to bill me for services not rendered, especially since I had no contract. I do owe XXXX appr. {$19.00} and will pay it once they send me a corrected final bill.
Consumer complaint received 2020-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

See attatched XXXX Credit Reports Equifax & XXXX  Account NOTE XXXX  XXXX opened *XX/XX/XXXX ( partial account ) # IS IN TRUTH account # XXXX see attatched XXXX date XXXX 1099-C CANCELLATION OF DEBT on a VISA/MSTR Debt. All Visa 's begin with the number ( 4 ). See attatched EQUIFAX XXXX Credit Reports. NOTE account XXXX a mastercard number ( 5 ) account opened XX/XX/XXXX IS IN TRUTH see 1099-C account MSTR/VISA DEBT XXXX CANCELLED DEBT XX/XX/XXXX. The XXXX accounts XXXX & XXXX ( BOTH WERE CANCELLATION DEBT XX/XX/XXXX account XXXX ). Both XXXX  & Equifax " VERIFIED '' accounts are ID Theft case XXXX. HOW COULD THEY BE VERIFIED? XXXX  & Equifax & XXXX are in violation of FCRA Federal Laws.  SECTION 611 & SECTION 609.
Consumer complaint received 2022-07-07
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. (GA)

The following companies made inquiries into my consumer credit profile without my consent and without my authorization. I have disputed these fraudulent inquiries with the consumer credit reporting agencies, XXXX & equifax but those agencies have not proven the validity of these inquires. I have also contacted the fraud departments of both agencies with XXXX progress made to remove these inquires. 


XXXX XXXX XX/XX/2021 XXXX Equifax XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XXXX, EQUIFAX & XXXX XXXX XX/XX/2021 XXXX XXXX
Consumer complaint received 2022-03-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (LA)

XX/XX/2022 I became a victim of fraud. I was contacted, by what was perceived to be a call from XXXX XXXX Police Administration for a failure to appear to jury duty and for contempt of court charges, which really did not exist. I was lied to, humiliated, threatened, and had {$1200.00} scammed from me. I have been with my bank for greater than 7 years. I have made numerous complaints to the bank since last week in reference to my claim and was told, " 99.9 % for XXXX claims get denied because you authorized it. '' Other comments were made also, all enclosed in my letter. This is unacceptable for a bank that is expected to support their customers 100 % in a time like this. I have filed a police report. Attached, is all of the information from the claim. 

Any help is this matter would be greatly appreciated.
Consumer complaint received 2021-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

Bank of America does not show the actual balance in full on its app. This is deliberate, to keep people from paying off the balance and avoid interest charges. I thought I paid off my balance, but there was actually interest. When I called to complain, I was told that the actual balance is XXXX XXXX  more than what is shown on the app. This is highly deceptive and in my opinion fraudulent.
Consumer complaint received 2022-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-10-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (VA)

My name is XXXX XXXX, I am a consumer writing this for myself without assistance from any person. CITIBANK , N.A . is civilly liable ( 15 U.S. Code 1692k ) for violations under the FDCPA. I am disputing this alleged debt, invoking my specified remedy as original creditor pursuant to 15 U.S.Code 1692c ( c ) ( 2 ) and pursuant to 15 U.S.Code 1692c ( c ) I demand you to cease any communications and collection activity of this alleged debt until you can provide me with the requested information in this affidavit attached below. I have also sent all documents to Citibank via certified mail.
Consumer complaint received 2021-12-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc (FL)

This debt is not valid. Paypal and XXXX did not provide phone support for a sellers issue I had. I was on hold for hours on in during covid, delta and now omicron variants. When I tried to use the XXXX and cfpb several months ago to address this issue, they still did not remedy the situation. This is false debt that should of never went to collections. Additionally, lawsuits will be filed for paypal closing my account when I inquired early. This was premature to the fair debt collection practices act guidelines. They being paypal also seized cryptocurrency assets from me illegally and unlawfully. Currently other oversite federal agencies were also made aware of this. I plan on suing everyone involved for this. I will immediately serve your company as well in this countersuit if the negative credit reporting isnt stopped. Please give me back my crypo currency and obey the fair debt collection practices act going forward. Please send me an apology letter that removes the negative reporting. Please have paypal issue me a check for {$20000.00} usd to avoid a civil lawsuit regarding the held cryptocurrency.
Consumer complaint received 2022-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have notified TransUnion, XXXX and XXXX that I have things reporting on my consumer report as a result of identity theft. I have also sent an identity theft report.
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AL)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1681s ( b ) reporting inquiries without my permission and the latter responsibilities of furnishers of information to consumer reporting agencies to my credit report. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2022-06-29
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. (NY)

XXXX  XXXX after multiple attempts to verify the charge off have failed to provide any documentation, especially concerning where they came up with an amount of {$6000.00} when no where on my account shows an amount like this, no where on the account shows the insurance payment, no where on the account shows the GAP coverage, no where on the account shows delinquency. I have reached out for several months asking them to verify and I have finally gotten a lawyer. I will continue to ask for deletion until a ) all accounts are deleted on all 3 bureaus b ) my lawyer files a lawsuit toward XXXX  XXXX and the credit bureaus for failure to provide a proper investigation into the inaccuracies on this account and other consumer law violations such as not providing any disclosures that are required when it comes to reporting.
Consumer complaint received 2021-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2021 I contacted TransUnion, informing them that they are in violation of my consumer rights. Pursuant to 15 usc 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

As the consumer, I, XXXX XXXX, do not consent to any information being furnished on my report. I have stated this to TransUnion and they have informed me that the reporting on my consumer report was accurate.