davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-17
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC (IL)

Dear Mr. or Ms . 
I made the mistake of taking a loan out with this company, I was approved for a {$1000.00} loan, but only borrowed {$470.00}. I was told by the Rep. on the phone that there would be a {$150.00} finance charge, steep, but I agreed. 
What I did not know, and could not see at the time I accepted this agreement, was that the Truth in Lending disclosure not visible at the time I accepted this loan showed an APR of, and this is not a typo either, 849.0116 % and that the total repayment amount for my {$470.00} loan would be a whopping {$2400.00} I had not been informed of the 850 % interest rate on the loan, and I was told there would be a {$150.00} finance charge, not {$2900.00} in total payments, and I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account. 
To this date I have paid {$1000.00} for the {$470.00} loan. I think this is far more than enough to cover this and I do n't think I should have to pay anymore. 
I feel like I was totally mis-lead about how much this little loan would cost me. 
Thank you for your time. 
XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

Good day, the errors you are reporting on my credit are causing a lot of problems in all aspects of my life, this is really frustrating. You keep on disregarding my requests to correct inaccuracies on my credit report, this is a blatant violation of my rights as a consumer.
Consumer complaint received 2017-03-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: ERC (FL)

I cancelled my XXXX service and noticed on my bill that I was being charged for my equipment. I called XXXX and provided proof that I had returned the equipment and they told me that they were sorry and they would take care of it and remove from my account. I did n't find out until much later when a Collection Agency said that I did n't return the equipment. The entire time XXXX told me that they received the equipment and not to worry about the charge, that it would be removed. I ca n't believe that they sent me to collections after being told it was taken care of, when it was a mistake in the first place. After I found out it was sent to collection, I called the collection agency immediately, and explained the situation and was told not to worry about it and they would call XXXX and take care of everything. I am just now finding out that the collection agency did n't follow through when pulling my credit with a company and being told that it was still on my report. I was in shock and still ca n't believe this has not been taken care of. It is costing me a lot of money and hurting my credit for a mistake that was never my fault in the first place, and should have been resolved when I was told it would be.
Consumer complaint received 2017-06-13
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: ZIONS BANCORPORATION (TX)

Visa Card issued by Zions National B ank 30 day late payment has been noted on my credit report.     My law firm has  XXXX  times contested this negative mark on my credit report.      Zions National Ban k refuses to remove it from my credit report.      Visa    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   2001  The statute of limitations has passed.     Please remove this 30 day late notice from my credit report.     Thanks in advance.      XXXX   XXXX
Consumer complaint received 2016-06-30
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: ACS Education Services (OH)

I applied for assistance and to be able to use the REPAYE payment option. This was denied due to when I filed this request, and my payments increase. I was advised to do this by the U.S. Dept of Education and feel misled. My loans are now $ XXXX+ a month ( more than my mortgage and all my other bills ) and feel as if they are unfair and that this is unconscionable.
Consumer complaint received 2015-04-01
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (AL)

In XXXX I purchased aXX/XX/XXXX dodge ram truck, at the time we lived in XXXX XXXX. I was financially stable to make my payments, in XXXX XXXX my daughter gave XXXX to XXXX in XXXX XXXX they were 3 months early, they were in XXXX.my wife and I had to move to XXXX XXXX to help take care of our other grandsons who were XXXX and XXXX my daughter had to stay XXXX. well I took a job with a guy and he paid me fine to start and then he did n't and I had to call Chrysler and surrender my truck in XXXX XXXX
Consumer complaint received 2015-10-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CO)

On XX/XX/XXXX I submitted my application for Loan Modification assistance. My request for modification assistance has been under review. On XX/XX/XXXX I received a collection call from a representative at Nationstar Mortgage that said my request for modification assistants had been denied due to negative disposable income. She wanted to know what are my plans for the home since it is in foreclosure. I asked her why have n't I received a denial letter. She then stated it would be mailed. Today is XX/XX/XXXX and I still have not received a denial letter. Additionally I received a notice of a class action lawsuit XXXX Nationstar Mortgage LLC, Case No XXXX. This notice states that If I was charged for lender placed insurance by Nationstar ( which I was ) for your residential property this settlement will provide you with the opportunity to claim a credit towards what you currently owe the Nationstar Defendants if you did not pay but still owe the premiums for that LPI Policy to the Nationstar Defendants during the class period. XX/XX/XXXX - XX/XX/XXXX. Claims must be postmarked by XX/XX/XXXX. Here is the link for more information XXXXXXXXI told the representative that called on XX/XX/XXXX. How can Nationstar have accurate reinstatement figures if this settlement had not been taken into consideration? I still receive collection calls from Nationstar.
Consumer complaint received 2024-08-30
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. (TN)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 

XXXX XXXX XXXX : {$200.00}
Consumer complaint received 2017-06-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (TX)

The private student loan provid er AES Education will not lower my payment. I have informed them previously that I can not afford the payment amount. They only replied, " Your lender does not offer any other lower repayment schedules. You will remain responsible for repayment of the loan '' They are not willing to work with me. I have other student loans I currently pay on also.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2016-10-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (FL)

I have a loan through Citibank which was originated in XXXX XXXX. I called in late XXXX XXXX and asked about the processing of removing PMI from the loan. I was advised to fill out a request, set up an appraisal appointment and pay the cost for said appraisal. Once that was completed, I called Citi and verified that the PMI was removed. I recieved a letter in the mail affirming this. In mid XXXX of XXXX, I recieved an updated Escrow statement showing PMI being added back to loan. I called Citi and they said they did not know what happened but they would fix it and a supervisor would call me back. That did not happen. On XXXX XXXX, XXXX I called Citi again and supervisor told me that the PMI should not have been removed since the loan was less than 2 years old and that they were planning to send me a letter to notify me. I asked why that was not explained to me during my call BEFORE I spent money and time on an appraisal and she told me that the associates at Citi can not see how long a loan has been open. They are now saying I have to wait until XXXX XXXX to try and remove the PMI again. I am at 73 % of LTV. I will also add that during my original loan application, I was not notified of this time constraint.
Consumer complaint received 2017-06-12
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (TN)

Hi, I purchased a {$500.00} prepaid Debit Visa gift card  ( US Bank )  on  XXXX   XXXX   XXXX  from  XXXX  #  XXXX   XXXX  TN. The Card is valid through  XXXX . The card has not been signed and, AUTHORIZED SIGNATURE NOT VALID UNLSESS SIGNED is printed on the back of the card.     I tried to use the card on  XXXX  to buy furniture at   XXXX   XXXX  . The card was declined and the card had a   XXXX   balance on checking it online login and then calling to  XXXX  on  XXXX / XXXX / XXXX , I also requested to report a complain which the agent had to do it on her end but never got a response.     The card had a $   XXXX   monthly fee for inactivation. I still should have {$350.00} balance if the  XXXX  $ fee was charged for 5 years.     My husband tried calling the customer service number on the credit card but that didnt yield anything. They were able to tell the card was used 8 times but ; however, they could not provide any transaction details because that information had been purged due to being past 12 months in age.
Consumer complaint received 2017-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (OH)

I have an unverified account from I have an unverified account from IC SYSTEM. I had previously disputed this account. I have never done business with IC SYSTEM Pursuant to the Fair Debt Collection Practices Act ( FDCPA )  15 U.S.C.1692g , I dispute the validity of the debt purport I owe. I request that IC SYSTEM Provide verification of the following :  1.  The original Application or contract ; 2. Any and all statements allegedly related to this debt  ; 3 . Any and all signed receipts ;  4.  Any and all canceled checks ; 5. Original date of default and collection activity begin  6 . Whether you purchased the debt, and if so, the amount paid for the debt  7 . The date  ( s )  the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that IC SYSTEM Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2017-06-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

I have  XXXX  open disputes wire Equifax  1.  Dispute number  XXXX  submitted this redispute online late at night on  XXXX / XXXX / XXXX  which Equifax has listed as  XXXX / XXXX / XXXX  which is ok but today is  XXXX / XXXX / XXXX  and this still shows as pending and it is over 30 days I have disputed and redisputed these item s - 1.   XXXX   XXXX    XXXX   inc.  XXXX  original creditor  XXXX   XXXX . We called   XXXX   XXXX   XXXX   XXXX   and gave them both my and my husbands social security numbers they have no records of us never have and they said there is nothing they can do for us. We moved out of  XXXX    XXXX    XXXX   XXXX  and we owed nothing in fact we got our deposit back. We called them and they said the company was sold in  XXXX  and they have no prior records.  XXXX   XXXX    XXXX   is from original creditor  XXXX   XXXX  it is a medical debt. I went in for my yearly well check which is covered at 100 % by my insurance no copay at all. I called the office years ago about that and told them that my insurance says I pay zero for a well checkup. I moved twice since that time and I thought that they understood and were going to correct the bill to zero. I called the collection department when I saw this was on my report and they sent me what they said is proof that I owe them the doctor charged the insurance company for  XXXX  office visits at the same time so for the second charge they billed as a visit with problems which does have a  XXXX  copay. But that billing of the insurance for  XXXX  visits at  XXXX  time as if I had a well checkup and a problem visit was a lie. I was seen by the doctor very quickly had the well check talked and laughed just a very short time and then I was out of there. They added  XXXX  fee to the  XXXX  copay that never should have been charged. I paid them the now  XXXX  charge because we are planning on buying a house and they told me it is my fault I owe the money because I waited to o l9ng to con test it.    2. Disp ute  XXXX  was disputed and redisputed over and over. We lived and worked and paid our State taxes to  XXXX  in the years from  XXXX  to  XXXX / XXXX / XXXX . The state of  XXXX  filed tax liens against us for the years  XXXX   XXXX  and  XXXX . We proved to the  State o f   XXXX   and the credit reporting agencies I sent in the null and void letters that we finally got from the  State  of   XXXX    (  after fighting with them and proving that we never owed these over and over for years. The letters from the   XXXX    Department  of Taxation says that the tax liens were filed in error never should have been done. Equifax still has not deleted these even though the proof was uploaded to them online and tomorrow will be 30 days on this redispute, which has been disputed over and over.
Consumer complaint received 2017-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

XXXX   MUST NOW CEASE AND DESIST REORTING ANY AND ALL CREDIT INFO FOR CREDIT FURNISHERS ALL OTHERS AS STATED IN TH E : F.C.R.A  . 15 USC 1681A ( g ). ( see  XXXX  letter )
Consumer complaint received 2017-06-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: ACS Education Services (NY)

Hello, My name is XXXX XXXX and I have filed the complaint with you around XX/XX/XXXX, 2016 about Affiliate Computer Services ( ACS ) for which XXXX XXXX XXXX is an administrator. CFPB complaint Case # : XXXX. In response to my case, you sent me a letter ( XX/XX/XXXX, 2016 ) saying that XXXX XXXX evaluated my loan history and they would reduce my interest rate. It said that XXXX XXXX had permanently reduced my interest rate margin to 2 %. and it further said that reducing interest margin would effect of reducing my monthly payment about {$50.00}.
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Not only XXXX XXXX DID NOTHING ABOUT REDUCING MY PAYMENT BUT IT INCREASED IT TO $ XXXX Monthy. IT IS ABOUT {$10.00} more I used to pay. I called them three times to discuss my case. NOBODY COULD DO NOTHING AND REPRESENTATIVES FROM AFFILIATED COMPUTER SERVICES ( ACS ) KEPT SAYING THEIR COMPUTERS WERE DOWN AND ASKED ME TO CALL LATER!!!!. I DON '' T HAVE A TIME TO CALL LATER BECAUSE I NEED TO WORK TO PAY MY BILLS. I AM FURIOUS, AND I WANT TO TAKE A LAWER TO RESOLVE THIS PROBLEM. I HAVE NEVER DEALT WITH SUCH DISRESPECTFUL AND IGNORANT COMPANY AS AFFILIATED COMPUTER SERVICES ( ACS ). THEIR BEHAVIOR IS UNACCEPLATBLE. I HAVE BEEN PAYING MY LOANS AROUND 8 YEARS AND THE BALANCE REMAINS THE SAME. CAN YOU HELP ME TO FIND SOMEONE A LAWER TO RESOLVE THAT PROBLEM?. MY CASE WAS FILED On XX/XX/XXXX, 2016. My name is XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. CFPB COMPLAINT CASE # : XXXX. My email is XXXX. Phone is XXXX.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2017-03-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (OR)

I have spoken to Navient in the past, they made it difficult to impossible to consolidate, create an income based payment system, and other challenges, these issues caused my loans to go into default. I have XXXX in loans and they were into default. I called navient a bunch and never got service, i was so dismayed i stopped following up.
Consumer complaint received 2017-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STERLING JEWELERS, INC. (CA)

On  XXXX   XXXX ,  XXXX , I notified  XXXX ,  XXXX ,  XXXX , and Kay Jewelers, the creditor, that there was an erroneous negative mark for  XXXX   XXXX . This information is inaccurate, as the account was closed and paid off.     Kay Jewelers continues to report this item was charged off despite me paying them directly the amount owed. I made a payment arrangement with them over the phone to pay the account in exchange for deletion ; the conversation was recorded yet Kay Jewelers continues to report that the item was charged off.     The last date of delinquent activity is  XXXX   XXXX , yet the company reported a charge off on  XXXX   XXXX .     It is clear Kay Jewelers is in violation of the Fair Credit Reporting Act, and as of  XXXX   XXXX , have yet to remove the item off my credit reports as it is past the 7 year reporting period.
Consumer complaint received 2017-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I have been trying to resolve inaccurate information from my credit report with Equifax for several months now. I have filed a dispute through their onl ine dispute site (   XXXX   XXXX   XXXX   # ) as well as sent a written notice with documentation to their dispute department. My dispute continues to be ignored. I filed a complaint with the CFPB and Equifax responded that my dispute was never submitted. Therefore, I attempted to file a dispute for the third time on their website and after I enter my information, I am getting an popup message stating my request can not be processed at this time. Both  XXXX  and  XXXX  have already updated the inaccurate information but Equifax continues to ignore my dispute. If I do not get a resolution from this matter within 30 d ay, I am involving an attorney in the matter.
Consumer complaint received 2017-06-12
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. (FL)

paid my loan in full on  XXXX / XXXX / 2017  and is still reporting as an open account affecting me getting approved for a mortgage.  XXXX  financial services said there is nothing they can do I have filed a dispute with   XXXX   and they said  XXXX  is not responding. although the account has been paid it is still reflecting on my credit file as open.