davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (CT)

I took out loans from Sallie Mae over the course of my time in college ( XXXX ). The loans totaled {$98000.00}. I've paid over {$46000.00} so far, and my current amount due is over {$110000.00}. Looking at these numbers alone is enough to show that Sallie Mae is a predatory lender. They've lied to me on multiple occasions, even denying a phone conversation occurred in which they told me the amount I would be paying per month would be roughly {$600.00} cheaper than it actually was. Sallie Mae has a history of giving out subprime predatory loans. This is nothing new, and at this point I refuse to negotiate with the company unless they're going to wipe my loans clear. THEY are supposedly the loan-giving experts that gave out bad ( subprime ) loans that they had no reasonable expectation of having paid back. But it's all about profit through exploitation for Sallie Mae, and it's disgusting how this is being ignored by the CT AG and the CFPB. I've submitted this claim several times, even linking the exact sections of the legal code that would absolve me of future payments due to an undue hardship on my co-signer and I. Why would I spend MORE money on a lawyer to prove a point I'm capable of proving on my own? The numbers alone prove that predatory/subprime lending occurred. Sallie Mae can expect me to stop paying 100 % on my loans, and if they wish to waste more money taking me to court, so be it. Good luck taking the nothing I have and garnishing my wages. If that happens, I'd simply stop working so there's no wages to garnish. I look forward to the company 's nonsense response that shows they haven't understood a single point I've made. To make my point clear once more, Sallie Mae is a predatory lender who gives out subprime loans for the purpose of making a profit by destroying an entire generation 's hope for financial independence. I'm saying 'no more ' whether the CFPB, court system, or Sallie Mae accepts it. Nobody can force me to do anything, and I'll make sure that if I go down for this, I'm taking Sallie Mae with me. Garnish my wages, I'll refuse to work, and I'll spend every day going to college campuses diverting people from Sallie Mae by simply telling the truth. If you think I'll let you get away with destroying my future, I'll make sure to divert millions from your greedy, slimy, predatory hands.
Consumer complaint received 2022-11-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Best Capital Funding (FL)

I have been a customer of Best Capital Funding since the purchase of my condo in XXXX of XXXX. My monthly payment that I agreed to at closing was to be {$760.00} per month. Shortly after, in my XX/XX/XXXX statement, Best Capital hit me with Hazard insurance and the amount due went from {$760.00} to {$2.00}, XXXX. Despite my 3 attempts to send them my hazard insurance policy via their email they claimed not to have it until the 4th attempt. Once confirmed by Best Capital that they received my copy of my policy, they agreed to refund me their hazard insurance charge back to my escrow. It took them months to do this and in the meantime, they still wanted me to cover the cost of their hazard insurance charge. I refused and continued to pay my regular amount due of {$760.00}. Since then my account has only gotten worse. They have hit me several times with more insurance charges and I sent them documentation to show I was already paying out of pocket for my own. They hit me with property taxes even though I was paying out of pocket for those. We had dozens of emails and phone calls back and forth ( see attached copies ) but the entire time they have ignored my request to bring my account back to original status, instead trying to confuse me with a bunch of escrow errors on their part. 
Recently, I applied for another mortgage with a different company for a 2nd home and was denied a loan due to a low credit score. I requested copies of my XXXX credit reports and to my surprise, Best Capital Funding has been reporting me delinquent every single month despite that I am making all of my payments on time. 
I have reach my limit ( its been over a year of them not correcting my account ) with trying to explain what they have done wrong with my escrow account. I need help and hope that you can have someone look into this with me. Im not sure if there are more resource out there for me to use to try to get my account audited so that they are forced to make the adjustments and stop trying to collect monies for insurance and taxes that I do not owe them. My account needs to be resolved, they have destroyed my credit. Please help!
Consumer complaint received 2021-10-14
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: CITIBANK, N.A. (OK)

My credit report on XXXX only for many months has shown a credit card from Citicards Cbna which I have never had a card from. 

This card does not show up on XXXX or any other agency. When speaking with XXXX, they indicated I had to speak with Citicards Cbna about it. 

I have called multiple numbers at Citibank and have been told by many departments they can not find my social, my old addresses, my name, and birthdate, or any other information, however when XXXX checks ( With whom I have filed multiple disputes ) they say that Citibank is reporting I do have a card with them. 

I have even sent a certified notarized statement that I do not have a card with them. 

I do not know what else to do.
Consumer complaint received 2020-05-26
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I am disputing the lates on these accounts because they are inaccurate and not proven. Please do a deep investigation on them and have them removed from my report because they are really affecting my scores.
Consumer complaint received 2022-03-08
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/ 2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-17
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: CORELOGIC INC (FL)

On XX/XX/2022 I received an email about getting a mortgage hard inquiry on my credit report that I did not authorize. This was done through Credco. I bought my home XXXX  years ago so I am not sure why this is being done again XXXX years later. This is impacting my credit score and I did not authorize this. Not quite sure how they even have my information. Could this be fraud?
Consumer complaint received 2020-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I received an email letter that Capital One has closed my account on XX/XX/2020 due to inactivity. I log in to this website one a month and ensure the balance, rewards, and account status is active. I called Capital One and spoke with XXXX who stated he could not open account. I am aware that a card issuer has no duty to warn of an account closer however I believe under the current circumstances which our nation is facing, the action by the issuer is calculated to lower the credit scores of Americans including myself, as well as take away a life line during this time of crisis for unexpected bills, such as ones I am incurring due to two recent XXXX  and was consider leaning on rather than liquidating other assets such as stock holdings. 
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By forcing this decision on the consumer, the average American such as myself are being forced to decide between long term financial health, comprising savings and investments because companies like Capital One are selectively utilizing their power over persons to increase reduce creditworthiness and increase interest rates thus profiting unfairly. 
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By taking away open credit at this time for someone who is in good standing but not utilizing their available credit, the company is complicit in a scheme perpetrated by many banks to manipulate the credit market, lowering consumer credit scores and thus using this tactic to increase card rates when consumers go to re-establish credit lines. I can only assume Capital One has more instances of this sort of behavior. They also advise accounts can not be reopened however it is well documented this is in fact not the case. 
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In short - Capital One sees that I have a good credit score, that I pay my bills on time, and that by closing my account ( one of my oldest accounts ) it will negatively effect that score ( due to age and revolving utilization ). This is a calculated move made by ALL in the banking industry under the guise of removing " inactivity '' from their rolls, but what is really does is punish those like me for responsible credit usage. This is something they collude with other banks to do ( the industry as a whole has a tacit understanding of how this works ) to increase their bottom line. I am a victim of this and the CFPB no doubt can look at their complaints and see Capital One engages in this pattern of corrupt activity. 
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As recently as XX/XX/2020 news media reports have eluded to this tactic which I am now victim to - see article from XXXX https : XXXX
Consumer complaint received 2020-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Hello, I had a card with Bank of America, which they gave me in XX/XX/2020, saying my earlier card was void. After a month, I was defrauded for {$3100.00} + Fees. I was told I had done transactions and also transferred money. I made absolutely no transactions, nor did I did any transaction to transfer money in that account in that time. I also got no updates on my mobile. 
I have dealt with those companies before and they went under the belly after the pandemic. They had my card saved, and seems they just went for it. 
I filed a claim with BOA. They rejected it 3 times. I begged for receipts of transaction from these merchants. 
I was told " WE CAN NOT GIVE YOU THAT ''. I was not even given a reference number for the transactions. I have attached my entire statement for your view. 

Regards, XX/XX/2020 CHECKCARD XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 CHECKCARD XXXX XXXX-XXXX XXXX XXXX XX/XX/2020 CHECKCARD XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 CHECKCARD XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 CHECKCARD XXXX XXXX  XXXX XXXX XXXX XX/XX/2020 CHECKCARD XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 CHECKCARD XXXX XXXX XXXX XXXX XX/XX/2020 CHECKCARD XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 CHECKCARD XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 CHECKCARD XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-12-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (CA)

HARRIS & HARRIS LTD is trying to claim I owe {$460.00}. No services were rendered for any amount totaling {$460.00}. XXXX XXXX XXXX has been harassing me about a debt that I do not owe. They are in direct breach of the Fair Credit Reporting Act - Section 617. ( a ) In general. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; Therefore this hit on my credit is affecting my ability to be seen accurately for jobs, and having a disability - making it extremely hard to function day to day. HARRIS & HARRIS LTD has been negligent in taking this false debt off of my credit reports, and I need this company to be notified and to remove these, asap. I have sent letters to the company and also filed this with the Attorney General 's office and the XXXX XXXX XXXX 

HARRIS & HARRIS LTD is also in Violation of the FCRA SECTION 15 U.S.C 1681 Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq. 
Purpose : The FCRA ensures the accuracy, fairness, and privacy of information in consumer reporting agency files. 

Violations : Creditors must provide accurate information to credit reporting agencies ( 15 U.S.C. 1681s-2 ( a ) ).

Furnishing incorrect information, whether intentionally or due to negligence, can violate this section. 


Therefore, this needs to be removed off of my XXXX, XXXX, AND XXXX reports ASAP. 

They are furnishing information as a " XXXX XXXX '' at an address that I have never lived before.
Consumer complaint received 2020-05-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (DC)

I first made a request to SunTrust for my mortgage Coved-19 relieve 1 day after it was ordered by the President, HUD, and bank regulators on or near XX/XX/XXXX. I learned that the bank sent an offer to me on XX/XX/XXXX that I did not get until XX/XX/2020. 

I signed it promptly and the bank accepted the Covid-19 forbearance for 6 months with an option for another 6 months at my option.

The lawyers for SunTrust deliberately held the Covid-19 request for 3 weeks in order to allow the court to order a foreclosure even though it was illegal by CFPB, HUD, Presidential Order.

I asked SunTrust lawyers to abide by the Covid-19 relief and they falsely told the Court that it was only for 3 months when it was for at least 6 months and I told the bank I would need it for a year. 

The lawyers are defiant to HUD, the Presidents Order, CFPB, and its own Agreement by not directing its lawyers to abide by these items. 

The collection actions of the bank through its lawyers is circumventing our agreement, causing stress, violating the law, and falsely misleading me to believe the forebeance and modificaion will rigtlu be worked out withotu court intvention.
Consumer complaint received 2020-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

My name XXXX XXXX.Unauthorized charge {$110.00} from BJ at XXXX, I stay at home almost 2 months during covid19 pandemic.I didnt sign in and ask renewal. 
I keep call in to contact the representatives to ask them to hold or removed the late fee, interest or unauthorized charge during COVID 19 pandemic.They put me to the other department which the line you never get the answer. I lost the job at home, I hope get the answer.
Consumer complaint received 2023-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (CA)

I've been making payments around 15 times a month for last 8 years ( by online ) to this co. 
Whenever I make a payments it always get posted the next morning with a correct available credit. 

I had no problems util XX/XX/XXXX. On that day, I made a payment of {$4000.00}. The following day ( XX/XX/XXXX ), I see the credit posted. However, the next day ( XX/XX/XXXX ), it disappeared. I was going out of town on that weekend and this had caused so much inconvenience. 
It finally appeared AGAIN on XX/XX/XXXX. 
I said to myself, ok this is just an isolated case. 

On XX/XX/XXXX, I made another {$1000.00} payment. The next day the credit got posted but it was applied short of {$600.00}. 
I called the cs the next day but they were not able to give me a clear answer due to I had so many transactions on my account. 

I am sure nobody wants to lose their hard earned money dissapeared by {$600.00}. 

Again, I'd like to remind you I check this app every two hours and before I go to sleep. 

On XX/XX/XXXX, I made another payment ( {$1000.00} ) but was shorted being credited by around {$160.00}. 
I called the cs again but all they are saying was pending charges which I already know and fully calculated. I already know that. 
It was like talking to a block. Very frustrating
Consumer complaint received 2022-03-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-08
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: ALLIANT CREDIT UNION (MN)

On XX/XX/XXXX, Alliant mailed me a letter stating that Alliant would close my accounts. A copy of this letter is enclosed for your reference. On XX/XX/XXXX, Alliant disabled my online login and ceased sending monthly statements. In light of Alliants actions and its threat that it would close my accounts, I believed that Alliant did close my accounts. 

On or about XX/XX/XXXX, Alliant mailed a Statement of Account that indicates Alliant did not close my savings account in XXXX. Unbeknownst to me, Alliant retained {$54.00} in my savings account. A copy of the XXXX of Account is enclosed for your reference. The Statement of Account indicates that an inactive fee, escheat fee, and dormancy fee were charged against my account in XXXX to bring my balance to zero and close my account. 

On or about XX/XX/XXXX, I mailed a letter to Alliant similar to this complaint, asking Alliant to return the {$54.00} it wrongfully withheld from me. As of XX/XX/XXXX, I have not received any response. 

Since Alliant wrongfully withheld account statements, disabled online account access, and informed me that my accounts would be closed, I had no way of knowing that Alliant kept my account open after it claimed it would close my accounts. Alliants decision to retain my {$54.00} was wrongful. Thus, I request that the various fees imposed in XXXX, XXXX, be reversed and that my {$54.00} be returned to me.
Consumer complaint received 2020-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (FL)

Comenity Bank, N.A. owes me a balance of {$310.00}. Now, they are stating that they only owe me {$190.00}. I have a screenshot of what they are mendaciously slandering on my account with them. I closed the account in early XX/XX/2020. They are deliberately withholding the money they could refund to my bank account or send to me by check so that they can keep the money. This appears to be fraudulent on their behalf. 
The customer service representatives lied to the XXXX XXXX XXXX  of XXXX XXXX, CA and said that they solved the problem. They did not.
Consumer complaint received 2022-03-07
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. (DE)

Despite the multiple previous written requests, the unverified account listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

LATE OPEN ACCOUNT : XXXX XXXX Balance : {$0.00}
Consumer complaint received 2019-10-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FC HoldCo LLC (MD)

We took this loan on a car that has being used both me and my husband. Meanwhile, we have been paying for slightly more than three ( 3 ) year since XXXX without default to our payment and on time. First thing we detected was that the vehicle was defected and we took it back for about a week and they solve the problem and we were talked into taking it back, which we did. We then realized that the interest far exceed the capital payment on the vehicle we confronted the and the just told us is because of the GAP insurance so we relaxed and move on and soon then come the catalyst converter which cost us money to get a used on to replace because we where badly in need of a car for family use. 
Unfortunately, the car has been involved in a car accident with a total loss, meaning the car is total and our insurance company have written it off. 
They have decided to pay for the car at it value which does not reach the balance owed on the car. We called the loan company on Friday the XXXX of XXXX, XXXX about the situation but the trying to play games about the GAP covering. We have agreed to allow the of {$7400.00} XXXX XXXX XXXX XXXX XXXX dollars ) been payed to the and the GAP according to the cover the rest as they said the amount of {$11000.00} dollars is what that s left on the loan. This mean, we have waved our right to own the car in spite of having paid {$12000.00} or more on this car, since the beginning of the loan. We can afford to pay a single penny more to was what we see as manipulative loan agreement and total loss on our side for such a loan.
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX reported late fees for my account with them the entire year of XXXX, XXXX and several months in XXXX. I have paid these payments on time but for some reason they have been reported as late which is preventing me from moving forward with getting my credit report and score updated to a positive number. This is preventing me from purchasing a home. I have contacted the company, I have emailed the CEO of the company in which they denied to look at my account to correct the issue. I have sent letters and they have not been answered. I sent my payments in and they have been reported late although they were on-time.