davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-10
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 (PA)

I had been struggling for years to pay my bills let alone pay on my student loans. I was threatened by PHEAA, in XXXX, PA that I needed to contact them to make arrangements or they would start garnishing my wages. They also added some kind of collection fee. The original amount I owed them was around {$33000.00}. Now with their crazy fees they say I owe {$85000.00}? This is like owing money to a loan shark. I called them in XX/XX/2019 and entered into an income based repayment agreement for {$140.00} a month. They said my provider would be a company by the name of XXXX XXXX. To this day I have never heard from them. I called in XXXX to PHEAA and a rude male asked why I was calling him. I said to make a payment. He said he would take it this time but I need to go thru XXXX XXXX. I told him I never heard from them. He said not his problem that I needed to find them. In XXXX, I was on short term XXXX from my employer and was incapacitated for 5 months with no one to handle my affairs. I'm glad just to be alive at this point in time. PHEAA never notified me of anything and started garnishing my wages. When I became able to return to work I realized what was going on with the garnishment, which is against the code of ethics at the bank I work for. My employer told me to take care of it. I called PHEAA in early XXXX and spoke to a XXXX, who said I couldn't reinstate the original agreement to repay. Didn't care at all that I experienced a very serious medical condition. I think this is unfair and not my fault I fell ill. I asked for his manager to call me and never received a return call. I then called exactly 1 week after and spoke to a XXXX. Said again I can't go back to the original agreement and said basically being sick or incapacitated is no excuse. They said I could pay {$250.00} a month for 3 month then would have to apply for a consolidation loan. That's the best he could do. If I could give back my degree, which had done nothing to make me more successful in life. Only to put me in this problematic situation with PHEAA I would do it in a heartbeat. I just want to be treated fairly and most importantly like a human being
Consumer complaint received 2019-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Somebody has my information and has used it to open several accounts in my name and inquiries in an attempt to open more accounts. I have not given anyone my permission to use my information and all of these accounts are fraudulent. I have provided the credit bureaus and the creditors a copy of my Police Report iD and social security card to verify my Identity. The credit Bureaus still continue to report these fraudulent accounts. XXXX acc # XXXX was opened XXXX XXXX for {$11000.00}. Two accounts with XXXX XXXX opened XX/XX/XXXX and XX/XX/XXXX acc # XXXX for {$3000.00}. & # XXXX for {$99.00}. XXXX XXXX XXXX XXXX # XXXX opened XX/XX/XXXX for {$920.00}. Two accounts with XXXX XXXX which is a collection company for XXXX XXXX XXXX acc # XXXX opened XX/XX/XXXX for {$1000.00}. & # XXXXopened XX/XX/XXXX for {$660.00}. XXXX XXXX a collection company for XXXX XXXX XXXX XXXX XXXX  acc # XXXX opened XX/XX/XXXX for {$41.00}. There are also a number of inquiries that were made two to XXXX XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX ; XXXX on XX/XX/XXXX ; XXXX  on XX/XX/XXXX ; XXXX XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX  on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX
Consumer complaint received 2023-09-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (TN)

I have been trying to contact nelnet for 15 days now the last time I spoke with a representative they told me my payment will be between {$470.00} {$740.00} a month. I applied for the new save program, according to the student aid.gov application was completed. nelnet no they have not sent me anything and the payment still showing {$1000.00} a month I can not afford this please help
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AmeriCollect (FL)

Americcollect reported a medical bill on my credit for treatment that was a result of a auto accident relating to my son. The case is still pending. It has not been settled. My son is currently represented by an attorney and this should have never been reporting on my credit. My attorney reached out and provided the proper documentation to Americollect, they were to remove the collection item. However, they chose to re-report it again on XX/XX/2023. I placed a dispute with XXXX and they validated the debt as of XX/XX/2023. Even though I provided the written documentation that it was to be removed as I have legal representation. I called XXXX and Americollect daily to get no result other than Americollect saying they arent reporting it and XXXX saying they are.
Consumer complaint received 2019-11-23
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. (AR)

I sent a certified procedural verification letter tracking # XXXX delivered and signed by XXXX XXXX XXXX XXXX  from USPS on XX/XX/19 and has been 30 days since they received the letter. I requested documentation of proof of the accounts referenced in the letter to be validated and that the collection agencies, XXXX, any third party or court provide me documents of the alleged collections or public record accounts. And, that XXXX is unacceptable for verification. However, I have not received any response at all from Equifax and I have not received any information from anyone to verify these accounts. I have exhausted my pro-bono abilities and obviously can not resolve these matters without legal representation. I have disputed and requested actual verification several times and I am demanding immediate removal of these disputed items. Or, I will be acquiring an attorney to represent me in these violations of the FCRA.
Consumer complaint received 2020-01-13
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. (NY)

These accounts are past the reporting time that the credit bureaus can report negative information on the credit report and I've sent them dispute letter about 30-40 ago and they sent a letter back stating it was verified. I believe this is a violation of the fair credit reporting act.
Consumer complaint received 2019-11-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2019 I made a nearly {$13000.00} home improvement purchase using my Bank of America Cash Rewards MasterCard. Knowing that I was going to make a large purchase using my credit card, I had previously switched my Rewards Benefit to " Home Improvement & Furnishings '' using the Bank of America mobile app. When I made the switch on the mobile app, I do not recall that I was advised of a limitation on the 3 % rewards. I came to find out after making the purchase there was a limit of {$2500.00} per quarter for 3 % and the bonus dropped to 1 % on everything else. 

On XX/XX/2019 I went into a local Bank of America branch to make a deposit and speak with a Bank of America representative about this issue. He provided me the benefits threshold information state above ( {$2500.00} a quarter @ 3 % and 1 % after the {$2500.00} ) number to call Bank of America. 

On XX/XX/2019 I spoke with a Bank of America representative via phone in the Rhode Island call center. Along with asking about interest on the home improvement purchase, I asked the representative about this issue I experienced with my purchase and rewards. The representative was not helpful and seemed almost dismissive of my concerns. At one point she advised me that I should have used the website instead of the mobile app to confirm rewards application on a purchase. The way she said it seemed condescending than informative. What I tried explaining to her was that if you are allowed to make a specific change on an account using the mobile app, applicable disclosures, disclaimers, etc., should be provided to the consumer so they can make an informed decision. Again, I do not believe this occurred when I made the update on my account and subsequently verified just prior to making the purchase. Not satisfied with the representative 's answer, I advised her that this is simply false and misleading. If you make a change on a bank product, a consumer should be provided applicable disclosures, disclaimers, etc. at that time, regardless if its in-person, via phone, online and even via the app. As a result of this fact, I advised the representative that I would be filing a regulatory consumer complaint ( e.g., CFPB, AG, etc. ). Even after hearing this statement from me, the representative didn't attempt or seemed concerned with escalating to a manager/supervisor in an attempt to diffuse/resolve the situation. This speaks volumes on the bank 's consumer experience policy. 

Overall, not receiving my full cash rewards benefits that I was expecting based on 3 % cost me nearly {$200.00}. Had I been clearly made aware of that my purchase was not going to yield the full 3 % I was expecting, I would have used other credit cards that would have provided higher rewards benefits.
Consumer complaint received 2020-01-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CO)

I have been paying on these 2 private loans for nearly 30 years, paying somewhere between XXXX and XXXX on a loan that was originally XXXX. First it was Sallie Mae and now it's Navient. My balance is higher now then it was when I took the loan out. All of my other loans are in income-based repayment. Because I consolidated these loans early on, I couldn't include them. Also it's saying they're from graduate school, that is incorrect. I originally had them with Sallie Mae and when Navient took over something must have changed. 
I spoke with them about options for paying it off and why it wasn't affecting my principal and all they wanted to do was lower my payment, extend my loan, or put it in forbearance. I had a short term in forbearance and I was in XXXX XXXX for 4 years, those are the only times I haven't been paying on them in about 30 years. They said they don't negotiate, were very rude on the phone and unconcerned about my situation. I feel like I'll be paying forever because I don't have the money to pay it off now. I am inclined to stop paying entirely.
Consumer complaint received 2019-11-21
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (OK)

For the past 2 months, calls all time of the day on house and my cell phone. They will not work with me on the day that I can pay something on my account. They want to know who's paying my bills since I can't pay them. Over 10 calls a day on house and 10 calls a day on cell phone.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

Dear CFPB, I am writing to request the immediate removal of credit accounts associated with XXXX account # XXXX from my credit report. These accounts contain inaccurate information that is in direct violation of 15 USC 1681. Furthermore, I never provided written consent for XXXX to report my information, as required by 15 USC Code 602 ( a ).

I kindly request your prompt intervention to ensure the swift removal of these erroneous accounts from my credit report. Your attention to this matter is greatly appreciated.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I recently received a copy of my ( XXXX, XXXX and XXXX ) consumer report, and I noticed some late payments posted on my consumer report : Account number ending in # XXXX, Late payments, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XXXX XXXX XXXX is in clear violation of the law, Pursuant 15USC1681 1a 2 ( a ) ( i ) -EXCLUSIONS-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681-3 of this title, any- ( i ) report containing information solely as to transactions or experiances between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( XXXX XXXX XXXX ) Making the report is not INCLUDED on my consumer report!

A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED FCRA 15USC 1681a 2ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT on my CONSUMER REPORTS.
Consumer complaint received 2019-10-31
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. (TX)

After reviewing my credit report recently I dated I noticed that an account named XXXX XXXX has repaired on my report. I sent in a complaint on XX/XX/18 in regards to this company and the result was they agreed to remove. My original complaint stills stands I have submitted a request to have an account investigated and removed from my account from XXXX  XXXX. I have never done business with this company or taken out a student loan with this company. When I contacted the company and requested original loan documentation I never heard back from them. I then requested the account to be investigated and removed by the credit bureau and they responded with account verified. This account has never showed on my credit report as a active account by any creditor and now all of a sudden I have a collection account for now {$37000.00} from a company I never heard of. I would like this account removed from my credit immediately before legal action is taken. I pulled all of my financial college records and have verified that is not a loan that I have ever taken out. This is account is Fraud.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

My complaint is against Nelnet and XXXX. 

During the last week in XXXX, I spoke with a representative from Nelnet about the XXXX program and I decided to apply because the rep explained its benefits. The federal government is touting how easy XXXX is, but lenders like Nelnet are not making it easy. I applied for XXXX manually because I am making less money than last years XXXX. Nelnet requested I submit my paystub to them, even though I already submitted to studentaid.gov. The Nelnet website wasnt allowing me to upload the documents, so I submitted to the email they provided. I never got a confirmation. So, days later, the site was back up so I submitted again. They said they received the application on XXXX and it would take 10-15 days. I received an email today that it would take another 10-15 days from today. I feel like lenders are stalling so that borrowers are forced to pay higher payments and higher interest. 

Regarding XXXX : I had to go to XXXX to learn how to bypass their automated system. I applied for PSLF last year, received a confirmation letter, and never heard anything. I couldnt reach XXXX because you need account information to bypass the phone system, but I never got an account because I finally learned there was an issue with my application. Wait times are so long that I took a day off work on Monday to try to get these things figured out and they are so far from being figured out its insane. 

These lenders are taking advantage of us and breaking us down and they must be held accountable. I have filed two complaints on studentaid.gov and I contacted my Congressperson as well.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I recently recevied a copy of my ( XXXX, Equifax and XXXX ) consumer report, and I noticed some late payments posted on my consumer report : account ending in XXXX, late payments reported on, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XXXX is in clear violation of the law. Pursuant 15USC1681 a 2 ( A ) ( i ) -EXCLUSION- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any - ( i ) report containing information solely as to transaction or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( XXXX XXXX XXXX ) Making the report is not INCLUDED on my Consumer report!

YOU HAVE VIOLATED THE FCRA 15USC 1881a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly sates IS NOT included on my CONSUMER REPORTS.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently recevied a copy of my ( XXXX, XXXX and Transunion ) consumer report, and I noticed some late payments posted on my consumer report : account ending in XXXX, late payments reported on, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XXXX is in clear violation of the law. Pursuant 15USC1681 a 2 ( A ) ( i ) -EXCLUSION- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any - ( i ) report containing information solely as to transaction or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( XXXX XXXX XXXX ) Making the report is not INCLUDED on my Consumer report!

YOU HAVE VIOLATED THE FCRA 15USC 1881a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly sates IS NOT included on my CONSUMER REPORTS.
Consumer complaint received 2019-11-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

I do not have a signed contract nor any contract with ENHANCED RECOVERY COMPANY. I have never done business with this company. I am not liable for collection from this debt from ENHANCED RECOVERY COMPANY. I am not responsible for this debt with ENHANCED RECOVERY COMPANY. I demand request be in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, fault, or recalled consumer product, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claims as a loss with any insuring entity during the period it may have been payable. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint will be sent to you by certified mail with proof of delivery and will also become part of a formal complaint to the Better Business Bureau. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the trade line. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA. ( Hence this company is not licensed in the State of Florida to collect on ANY debt. )
Consumer complaint received 2019-11-23
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. (TX)

This account was paid in full and was only taken out for {$100.00}. It's been reporting behind by 120 days for the past four years which is inaccurate information. I've contacted the company extensively to fix this issue but they refuse. Even if the account wasn't paid in 2015 when I took the loan, it shouldn't report behind by 120 days indefinitely.