davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-04
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

So the problem is Sallie Mae. Between XXXX I attended a FOR-PROFIT COLLEGE located in XXXX, CA. In total, I was charged more than {$24000.00} dollars. My education processes lasted 8 months ( or less ). 

Of the For-Profit College that I was originally encouraged to attend, was then named XXXX College. I was charged {$24000.00} dollars ( that was all taken in even before the first day of class ).  Included all student fee-wavers and student aid where all subject to be taking in by XXXX College. Since the first day of class, till the end of the remaining last month, the institution lacked the value of its representation. Its education method lacked intellect. And encouragement was misleading. It promotion methods about direct job training was misleading. Its assurance of a Job was lacking in fact. 

A few months after the end of the 8 month ( or less ) education process by XXXX College, I lacked the ability and the chance to find a job. 

Once I did apply, and was brought in ( 5 months after receiving a degree from XXXX College ), the skill and training required lacked the intellect support required. 

XXXX College became XXXX College that same year I was given a degree. ( Lacking support to a students education - trust and worth ). 

My education title was then - XXXX XXXX. 

After seeking for a job near-to 5 months after receiving my XXXX College degree ( XXXX College XXXX ), I receive a job. Four months later, I was terminated for lacking of XXXX  knowledge. Afterwards, I was notified that XXXX College no longer existed but was instead a new college called XXXX College ( XXXX College XXXX ). 

I was never able to climb or find a job with the education I. received from XXXX College. 
The staff and employees from XXXX College ( XXXX College XXXX ) who once told me of the value of education and assurance, where then avoiding or changing the policies they stood for. 

XXXX College XXXX applied for bankrupt. 

I am still being charged for an education that was defrauding students. 

Sallie Mae sold my information to Navient ( or switched to ) and Navient wishes me to pay the remaining loan money that XXXX College ( XXXX XXXX ) - XXXX College XXXX - originally charged me for. 

I was, with thousands of students, defrauded by a FOR-PROFIT College Inc. who assured every student, but now attempt to avoid any fault. Navient is ignoring the fact and using the means used by XXXX College XXXX to defraud students. 

NAVIENT is currently charging me for a fraud brought about by XXXX College XXXX.
Consumer complaint received 2021-04-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE (GA)

The Mortgage Company has completed 2 loan modifications for me previously. Both increased my mortgage payment which I was having a difficult time being in first place which is why I feel like requiring the loan modification. After the second loan modification I feel behind almost immediately. Shortly after that Covid started And somehow I was put on the forbearance program. I continue to make monthly payments in some cases more than I could when I get afford it trying to get it got it. I was told this year 2021 that they were increasing my payment again because the escrow a short. The escrow was short because I fell behind on my payments not because it wasnt right in the first place. On XX/XX/XXXX they sent me paperwork to do another loan modification which I really do not want to do. I told them this because each time theyve done on my modification for me I have been screwed over and I have to pay a higher monthly payment. The loss mitigation department told me that they would except partial payments to try to help me get this caught up as quickly as I could while I contemplated doing the new loan modification. They excepted payment of {$1600.00} which was processed on XX/XX/XXXX. I called back today to try to make another partial payment of {$500.00} and just set up a partial payment for next Friday of another {$500.00} and then to schedule another {$1600.00} by the end of the month. But because customer service group has refused to connect me to last mitigation. The customer service group continues to tell me that I have to make at least Two payments which will be over {$3000.00} or they can except no pain at all when I try to explain to them that Ive already spoken to Loss mitigation twice this month, they tell me that lost medication can do nothing to help me and they just keep telling me I need to make a payment of {$3000.00} just get it caught up 30 days behind. I would like for the loss mitigation department to contact me and to except my partial payments as Im doing everything I can to catch my mortgage loan up without having to do another screwed up screwed modification. I would not recommend this mortgage gauge company to anyone they do nothing to help people and all Im trying to do is to get my payment caught up which fell behind because they increased my mortgage payment and my interest-rate when they did a loan modification. Please have someone call me from the money source preferably may be a lawyer or somebody from last medication so I can start making these payments. 

Customer customer service department refuses absolutely refuses to connect me with loss mitigation. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-27
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. (SC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did send the mail and complain with cfpb, I asking about 1099 C charges off for all account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  But I dont see any 1099 from send to me. Remember : As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS clearly defines a charge off as Gross or Ordinary Income. Income does not get reported in the consumer report. By Definition, the IRS clearly says a Canceled or Charge off is income. The reporting of this account as a debt is inaccurate. 
15 USC 1681 s-2 says you, you are a furnisher of information to a consumer reporting agency. Therefore, you are prohibited by law to furnish inaccurate information. I demand you to cease and desist the reporting of incorrect/inaccurate information immediately.
Consumer complaint received 2020-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (SC)

In XX/XX/XXXX, I opened a Citi Gold checking account and a savings account. Citi had a promotion, promising to pay {$600.00}, if I deposited {$15000.00}, and keep it there for 3 months. 

On XX/XX/XXXX, I made such a deposit of {$15000.00}. 

After 3 months, Citi still had not paid. So I got in touch with them. Citi informed me that when I moved money between the checking and the savings account, it disrupted the continuous clock of 3 months, thus making me ineligible. 

I am writing this complaint because Citi clearly failed to keep its promise, and constituted dishonest marketing. I also demand Citi pay {$600.00}, as they promised when I opened the account.
Consumer complaint received 2020-07-03
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)

FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. 

I have tried multiple times times to report the inaccuracies to the credit bureaus and they have remove inaccurate information and they have not complied. 

I will attach driver license ftc report ssn card
Consumer complaint received 2023-03-18
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: ENCORE CAPITAL GROUP INC. (NV)

MIDLAND CREDIT MANAGEMENT claimed to have completed a reasonable investigation with the furnisher of information and verified the account as reporting 100 % accurate. However, this account is still inaccurate and your company is still continuing to report errors on my credit file, violating my rights and damaging my credit score at the same time. Delete the accountMIDLAND CRED XXXX for inaccuracy, because this account doesnt belong to me, the creditor does not own this account, and the account was sold but still reports a balance. The account shows different creditor names. The date of the last payment reported is inaccurate and missing. I never had an account with MIDLAND CREDIT MANAGEMENT and you are in violation of my rights. I received notice from XXXX that they had deleted this same information. XXXX is inconsistently reporting this inaccurate information I am now requesting that you delete and stop reporting this inaccurate information on my consumer report because you are violating my rights. Delete this account immediately. MIDLAND CREDIT MANAGEMENT has violated my rights numerous times. 

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 states a consumer reporting agency can not furnish a account without my written consent.

15 U.S.C. 1681s-2 ( a ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681c. ( a ) ( 5 ) Section which states no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 6802 ( a ) states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice.

15 USC 1692 ( c ) ( a ) states Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 USC 1692 ( b ) ( 2 ) states Any debt collector communicating with any person other than the consumer shall not state that such consumer owes any debt.

15 U.S.C 6802 ( a ) ( b ) states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice to opt out.
Consumer complaint received 2019-03-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNTRUST BANKS, INC. (FL)

On XX/XX/2019 I was made aware that my account was overdrawn due to an item that came through for {$100.00}. The only problem is, there was a positive balance still left in the account when the overdraft took place. I called SunTrust Bank on XX/XX/2019 to get a better understanding as to why the overdraft fee was assessed to the account being that there was still a positive balance in the account when the overdraft was assessed to the account.. The operator, whom I could barely understand, stated that the account was overdrafted even when it had a positive balance to the best of my understanding is what she said and she couldn't explain to me why. Because it doesn't make sense to me that you can overdraft when you have a positive balance in your account. So according to this operator It's pretty much like the banks at their discretion can go back and find any low point during your transactions history and use that point at which to charge an overdraft to your account and hoping that it sticks.. 

So in other words, banks are so desperate now to steal money out of consumers accounts that they overdraft you even though you have a positive balance in the account no matter how little the positive balance is, its still a positive balance none the less.. I've taken screenshots of the withdrawals as they happened. And it clearly shows that on XX/XX/XXXX of 2019 after the {$100.00} was taken out of the account there was still a positive balance of {$5.00} in the account. So again I ask, why was the overdraft fee assessed? There's absolutely no explanation for that other than just the bank wanted to overdraft the account. I guess it was just my turn to be ripped off with that frivolous fee labeled as an overdraft fee. 

I personally am so sick and tired of banks manipulating consumer bank accounts so that they can work it in their favor to charge overdraft fees and other frivolous fees to consumers accounts to make money. It is so sad and so pathetic the state of our nation where every financial institution is looking for ways of increasing profit at the expense of consumers. I remember reading stories about old men many years ago warning people about Banks. And I see now that it is an absolute fact that a consumer has no chance of making it financially when they depend on the banks because the banks job is not too make sure your bills are paid on time, A bank 's job is to make sure they increase their profits every year. It's called shareholder fiduciary ... 

I'm at the point now that I will no longer put my paycheck or more money in a bank account than I need in there to cover a bill. I will only put in the bank the monthly service fee and what I need to pay a particular bill. It will save me tons of money and stress long term over dealing with banks that are only looking to take the little I have and even worse, they'll even manipulate a person 's account to make it look legitimate.
Consumer complaint received 2023-03-21
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: Experian Information Solutions Inc. (CA)

In XXXX of 2022 a late payment was posted to my account in the amount of {$20.00} dollars on an account that has been paid off. I called the bank, and the situation was resolved due to someone charged my card for satellite radio which I do not have. later the l found out that lates were added to my account and I reached out to the bank again to fix the issue and at this time I was told that there is nothing they can do to resolve the issue even though it was no fault of my own.
Consumer complaint received 2020-07-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

I have sent numerous letters disputing this collection showing up on my credit. I have contacted the collection company and requested debt validation/dispute and they did not verify the account and they still reported on my credit file anyway violating my rights. I contacted the credit reporting agency and provided copies of the letters that they did not validate the this debt and to remove immediately. The credit bureau is violating my rights under the Fair credit reporting act. Experian did not verify the account and did not ask to see a signed contract all they did was verify my name and address and said it was updated.That is illegal and violating my rights that is not way to update a collection account furthermore they did not ask to see any contracts with my signature on it and took their word against mine. Additionally, that is bias, unethical and violating my rights under the FDCPA. I demand that they remove this collection account immediately off my credit file. The credit bureau is allowing this injustice to occur and allowing companies to report inaccurate unverifiable collection on my credit file and not protecting the consumer. XXXX XXXX XXXX  XXXX  XXXX  XXXX XXXX. is reporting accurately unverifiable collection on my credit file and Experian is allowing this to occur.
Consumer complaint received 2023-05-09
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. (IN)

I am kindly requesting that you investigate and promptly take necessary action to remove the fraudulent accounts from my credit report. I urge you to ensure that they are permanently removed and do not resurface in the future.
Consumer complaint received 2022-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

To whom it may concern, Im writing to you because of issues that have existed with JPMorgan Chase Bank since XXXX of this year. I purchased a flight from XXXX XXXX to XXXX with my Chase Sapphire Preferred credit card reward points inside of the Chase Ultimate Rewards portal on XX/XX/2022 at XXXX. The total points reserved for this purchase came out to XXXX ( the equivalent value of {$450.00} ). Listing specific details about my purchase below for reference : I had to cancel my trip on XX/XX/2022 at XXXX XXXX and anticipated receiving the total value of my Chase points back to my account or the entire dollar value of my purchase. Neither of those happened and I immediately called Chase customer service to find out when the refund would appear on my account. A customer service rep let me know that I would see the full value of the refund on my account on my next account statement. Apparently, it just takes time. I then proceeded to call customer service at the end of the following month when the money was still not shown on my account. The Chase travel rep let me know she has record of me inquiring about my account, and the money will surely be on my next statement. I just needed to be patient. I then inquire a third time and am met with the same response and am offered no options to formally begin a dispute. I was frustrated, but told the only option was to wait it out. I call for a fourth time and beg for some action to be taken. One of the Chase reps opens a dispute on my behalf ( finally ). I had to upload documentation to support my claim to my Chase mobile account. 

Last week, I called Chase AGAIN to check-in about the status of my dispute and was told that the 180-day window for filing a dispute had passed and there was nothing they could do. This is insane as I was never formally informed about my options. I was proactive about determining my best next step, but I was met with no support from Chase 's side. I asked the customer service rep to transfer me to her supervisor which she did. I ended up speaking to XXXX who is a Manager at Chase. He told me that he will escalate the dispute on my behalf and I should hear back within 7 business days. 

Unfortunately, I heard back the next day that Chase declined my dispute without any information. I am terribly frustrated and am tempted to close my Chase Sapphire Preferred card or take Chase to small claims court for refusing to refund my purchase. I feel robbed and am hesitant to do business with them again. I demand that they refund the full amount of my flight to my Chase card immediately.
Consumer complaint received 2024-12-09
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ProCollect, Inc. (VA)

on XX/XX/scrub>XXXX XXXX XXXX  I sent a written document to XXXX, XXXX and pro collect to verify the debt. I also called on the same day contacted Pro Collect to send me a copy of the purchase agreement for the debt they bought with my signature. they could not provide that cause I did not give authority. I have asked all XXXX credit bureaus to please remove from my credit report due to I did not authorize this. I do not owe Pro collect anything cause I never was in an agreement with them. 

as 15 U.S Code 1692c ( c ) states If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 

please have the companies above remove collect from my credit report for which I did not authorize. thank you