davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (IL)

My student loans are reported as delinquent in XX/XX/XXXX and XX/XX/2017 and they were not. I received a deferment of payment for a year due to a medical emergency and it doesn't show and has been reported incorrectly. I want it removed and my XXXX score returned.
Consumer complaint received 2020-02-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CITIBANK, N.A. (GA)

I was working for a company making good money, and had debt, the owner died during the Obama Administration, not the administrations fault, But there was no comparable job for me, once the owner died, I lost my house, car, everything I owned. I own no house. I decided to draw my Social security so not to be a street person. Now the creditors have sold the debt to blood sucking Sharks never stopping. They call nights, days, weekends, Saturday, Sunday mornings, nights, days different numbers from all over the USA on my cell phone My company phone, Letters every week, at first offered me discount now upped the amount above the original. I am not bankrupt, but if I started paying them, I would not be able to pay for rent or buy electricity for my apartment, or purchase food and medicine when needed. I did not authorize them to tamper with my credit they check and lower my score, this is six years after I could not make payments, after everything I owned was gone. Is this the Government of the people for the people, where I have no recourse but live in the streets and send them my Social Security? THIS IS XXXX XXXX XXXX, XXXX. the owner is a multi XXXX  coming after a retired Senior Citizen. I have worked hard all my life. I can not sleep because of these Vipers. the doctor told me after getting XXXX, that it was due to not resting, and if I didn't want to die I should rest 8 hours a day. But how can I, they are relentless, evil bloodhounds never stopping.
Consumer complaint received 2017-07-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (IN)

Just today, my mother in law received a call from a navient worker named XXXX. This is the third time she has called her. My info WAS ALWAYS updated in their system. I have no answer as to why they are calling her! My financial business is not hers, and she does n't want these calls either. THE START : If you go back a year ( or more ) you will see that I was making my payments ON TIME. Unfortunately, I lost my job in XX/XX/XXXX. I DID MY DUE DILLEGENCE TO CALL NAVIENT AND LET THEM KNOW I LOST MY JOB AND COULD NOT PAY RIGHT NOW! I also informed them that I would certainly pick back up in making ontime payments when I get back working ( please check recordings since they make it clear they are recorded ). They are STILL calling me about making payments. I then talked to them again and let them know about my situation and they blew it off as if I was a horrible person. I asked them to PLEASE make a note on my account about what I 'm going through. Then today happens! They keep calling badgering my mother in law and when I called them back, they badgering me to make a payment! It 's very frustrating that they are not caring enough to listen to what my struggle is ( briefly ). It 's like they do n't care about me as a person! I have a family, kids, wife ... they know I ca n't pay right now, so why keep asking me? This is not fair nor is it any type of good customer service.
Consumer complaint received 2020-02-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

I have called Navient repeatedly to discuss lowering my monthly payment amount on my loans from {$660.00} per month to something much more manageable since I do not make anywhere near that amount per month. The most I can comfortably afford to pay is, at most, {$75.00} per month. Every time I asked about lowering the payments I was told to apply for forbearance. I have told them to mail me the paperwork to apply and I have not received the paperwork. This has been occurring for 2 years now.
Consumer complaint received 2020-01-31
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. (TN)

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 )  days late on the XXXX XXXX  XXXX  partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2019-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (NY)

I seriously can not believe that I am writing this again. This is the THIRD time that XXXX XXXX XXXX has reported falsely to my credit report. Between XX/XX/XXXX and XX/XX/XXXX, they reported that the lease ( that I have paid in full ) is in collections! I am fed up with this company! I am going to take them to court again, because this is getting absolutely ridiculous. I do not understand how difficult it is to close this account once and for all. If I did not consistently check my credit report this derogatory remark would go unnoticed. I am FED UP!
Consumer complaint received 2017-06-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CO)

In XX/XX/XXXX , I paid off my four student loans with FedLoan. I received a letter saying all my loans were paid in full and I had a {$0.00} balance for all four loans. Then, in  XX/XX/XXXX  I received a bill stating that all  XXXX  loans once again had a balance. I Contacted FedLoan and they explained that it had to do with some sort of rebate, and that they would take care of it. Flash forward to  XX/XX/XXXX , and I received another bill from them. This time,  XXXX  of my loans were marked paid in full but the other  XXXX  still had a balance. I once again contacted FedLoan and spoke with someone. This person could n't believe that the problem had n't been taken care of yet and that she would have someone from management call me. I never received a call, and in  XX/XX/XXXX  I received a bill with the same loan balance information as the bill from  XXXX . I called FedLoan once again and was directed to a supervisor. The supervisor told me there was nothing he could do and that it was because of some sort of capitalized interest back in  XXXX . I 'm pretty sure my obligation to FedLoan ended when they sent me a letter saying that my loans were paid in full. Please help.
Consumer complaint received 2020-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CO)

I have been a XXXX XXXX employee for 12 years. I have made 120, timely payments as necessary for Public Service Student Loan Forgiveness, ( PSLF ). However, I was denied both PSLF as well as the Temporary Expanded Public Service Loan Forgiveness ( TEPSLF ). First, I was told that I didn't qualify for PSLF because I never moved my loans into an Income Based Repayment Plan. I was never informed of the requirement to do so, nor would that have made sense financially. When the program began, I was told to just keep making payments and that I could not do anything or apply until the 10 years had passed.

After the 10 years had passed, I applied and was denied for very confusing and nonsensical reasons. When I recently applied for TEPSLF, I was denied indicating that only 20 of my payments qualified rather than the necessary 120. I never moved my loan into an Income Based Repayment Plan after I was initially denied, so this doesn't make sense. Why do 20 now qualify and don't all of my payments qualify? I have made them in full, on time, as required for over 10 years in a Standard Repayment Plan. This " forgiveness '' has been misleading, deceptive and profoundly disappointing.
Consumer complaint received 2018-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (MA)

On or about XX/XX/18, I called to inquire about a large increase in my APR ( around 30 % ). I was initially told it could be fixed, then told it was not an error and was increased for all card holders and they sent a letter to me. 

I informed Chase reps that I never received notification. They told me they sent out 100s of thousands of letters and it isn't their responsibility to make sure I get the letter, but rather MY responsibility. Was informed it was my responsibility to tell them I was never notified. It's unfair to put the burden on the consumer who does not even know to expect said letter, especially when this information is not included in the online section that includes imortant letters and communications from the company. 

I would have never agreed to the terms and would have used other available monies. I asked that a one time courtesy be applied and my rate be restored to previous rate for purchases made to date and was denied in entirety. As Chase maintains that it was my responsibility to notify them that I never received the change in terms even though, I knew nothing about the new terms until I found out on out about XX/XX/18. 

The creditor has the responsibility to inform the consumer. I was not informed. The creditor entrusted a 3rd party to get me that information and somewhere along the line from either one of their employees or the 3rd party delivering the mail, it did not make it to me. It is unjust to penalize me, the consumer, especially when it is common knowledge that things do get lost in the mail, on occasion and the creditor had other ways to ensure that I got the notification, such as mailing it certified, or additionally, including a copy in the online platform, especially in the inbox they design, designate and provide to the consumer for important communications and letters from Chase. 

I have the right to be notified and decide and I was deprived of that through no fault of my own and the credit card company is not only refusing to work with me to rectify the situation, but penalizing me for it and putting the burden of notification on me, the consumer..
Consumer complaint received 2020-02-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (KY)

I signed up for a Best Buy credit card with one of their promotional marketing tactics in XXXX, I never agreed to or enrolled in willingly into the debt protection. Later on, I started to notice charges on my bill that I did not authorize and I contacted the company. I called them on several occasions and was reassured it would be removed. Specifically, I called in XXXX, e-mailed them in XX/XX/XXXX, and other times prior to then. At one point during this time, my card was completely paid off and we decided to re-charge on it for another promotional marketing purchase but I severely regret this decision due to these additional fees and their terrible customer service. 

Now it's XXXX and after e-mails, multiple calls, and attempts they just claim to have canceled the debt protection after I asked multiple times and didn't agree to this in the first place. It has charged me thousands of dollars and I wasn't working part of the year which caused me to get behind on my bills. This has made it impossible for me to pay off or keep up on the balance when they were charging me an additional fee on each statement that I never agreed to. I asked for a refund of all of these fees as that's been part of the huge reason I can't get my bill under control and causing it to be behind and negatively impacting my credit score each month as it's impossible for me to get the past due amount manageable. This month I just got a letter about the cancellation which mentioned no refunds on past fees. Even though on the phone, I asked for a refund and they told me it would be submitted to be looked into for possible refund reimbursement.
Consumer complaint received 2017-06-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery Associates.
Opened : XXXX XXXX, 2015 Original Creditor : XXXX XXXX XXXX XXXX Amount Owed : {$580.00} I 've had to block approximately 20 phone numbers due to their excessive phone calls at all hours of the day. I 've asked them on numerous occasions to stop calling me and then they call my mother and my job. This is harassment. At one point, I tried working on a payment plan with them but was told they could not send me proof of receipt. I then decided that I did not want to pay a " creditor '' whom would not provide me with proof of recipient that my balance was going down/ being paid off in installments.
Consumer complaint received 2017-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (AR)

I have been comparing credit card offers and came across the Chase Sapphire Reserve card. After reviewing the information about it, I had a couple questions. One imparticular was that I noticed reward points are worth 1.5x their value if redeemed through the Chase travel site. I was curious as to whether or not the same rate would apply to cash if booking a vacation through the travel site. I searched through the offer details and the pricing & terms for clarification. Unfortunately, I was unable to find any information in regard to my question. I thought it would be best to check with Chase Bank directly so that I 'd know for sure whether or not I wanted to apply. At approximately XXXX XXXX central time today,XX/XX/XXXX, I called to inquire about it. The representative was unsure of the answer, so she asked if she could put me on hold while checking. After a few minutes, she came back on the recorded line and assured me that the same preferred rate applies to cash if I 'm booking through the Chase travel site and have a Chase Sapphire Reserve card. I figured that benefit would get me over the fence about applying since I 'd save enough on annual travel to make up for the {$450.00} annual fee. Immediately after I got off the phone, I applied and was instantly approved. Upon being approved, I logged into the Chase travel site under my new Reserve card only to find that I had been lied to about the cash rate. There was absolutely no discount on the cash value, only on the point value. I called Chase back at XXXX XXXX and was then told that the special rate only applies to points. I even spoke with a supervisor and explained that this feels like a bait and switch method to get me into the card and collect the {$450.00} annual fee. His response was that I had agreed to the terms and conditions and that I should have reviewed them more thoroughly. I explained that I did read through that document and the offer details, but could n't find anything in regard to my question and thus the reason for the initial phone call. Still, the supervisor tried to lean on the terms and conditions document.
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If, in fact, the terms and conditions document did contain any information in regard to my question, it was well hidden. Not even the supervisor could find the detail when asked! I feel as though this Bait and Switch method of getting me to fork over {$450.00} crosses the lines of UDAAP.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On my credit report there are some hard inquiries that did not permissible purpose. Can you reinvestigate the inquiries listed below? I have also attached evidence. 
XXXX. XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX : This inquiry has no permissible purpose to be in my report. Delete this inquiry due to violation of 15 USC 168 1b 2. XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1b 3. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1b XXXX. XXXXXXXX XXXX XXXXXX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1b 5. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1b Once you have deleted the hard inquiry from my credit report, please send me a copy of my updated report. 

Thank you, XXXX XXXX XXXX.
Consumer complaint received 2020-01-31
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (WV)

In XXXX of XXXX, I applied to consolidate my student loans with my current servicer, FedLoan Servicing, in the hopes of lowering my monthly payment by rolling my loans in together. I requested to remain in the REPAYE program and chose that program option. On XX/XX/XXXX, I received notice that my consolidation was complete and my payments were going from {$280.00} to {$580.00} a month. On XX/XX/XXXX, I called FedLoan because I could not afford that payment. I first spoke to Operator XXXX, XXXX. She asked me a couple income questions and said she couldn't help me and transferred me to Operator XXXX, XXXX. XXXX asked me the same questions XXXX asked me and said she couldn't assist me but maybe the consolidation department could. I was then transferred to Operator XXXX, XXXX. XXXX asked me the same questions XXXX and XXXX asked me and concluded he could not help me either. I explained to all three Operators that I could not afford a $ XXXX   monthly payment, it was impossible for me but I could manage the {$280.00} payments I had been making. XXXX then told me my only option was a deferment or forbearance. I told him I did not want to stop making payments on my loans. XXXX again said there was nothing that could be done to help me and, basically, it is either make the payments or go into deferment or forbearance. I relented and chose the forbearance with the intention of making monthly payments I could afford. After researching what could have possibly caused this issue, I found that because I signed for a Parent Plus loan for my son, it made me ineligible for the REPAYE & many other repayment options. That fact was never disclosed to me during my conversations with the three Operators on XX/XX/XXXX. I would never have included the Parent Plus Loan in my consolidation had I known the outcome would be a $ XXXX  monthly payment. I was asking what changed and why my payment doubled but not one person explained what happened or tried to assist me. I should not be forced into forbearance when I'm simply trying to pay off my loans.
Consumer complaint received 2019-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

The following accounts that are listed on my credit report are fraudulent. I have tried to correct this issue multiple times with no success with the credit bureau. Collection account, XXXX XXXX XXXX, $XXXX, opened onXX/XX/2019.  Contact Information is XXXX XXXX XXXX XXXX MS  XXXX.
Consumer complaint received 2024-10-15
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. (DC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-03-24
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: EQUIFAX, INC. (TX)

Please be advised that the status of the following accounts on my credit reports has been brought to my attention. The accounts are reporting inaccurate information and are not mine. This is not in compliance with the FCRA. 

XX/XX/XXXXXXXX - This account is not accurate as I never authorized this account. 
XX/XX/XXXX XXXX XXXX - This account is not accurate as I never authorized this account. 
XXXX XXXX XXXX XXXX - This account is not accurate as I never authorized this account.. 
XXXX XXXX - This account is not accurate as I never authorized this account
Consumer complaint received 2020-01-31
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Cheadle Law Firm (FL)

My name is XXXX XXXX. This is a complaint regarding a debt collection law firm called cheadle and cheadle law. They have had my license revoked since 2011 in which XXXX XXXX sued me for the cost of another persons car as well as other things which added to the XXXX $ debt. XXXX XXXX turned the case over to cheadle and cheadle law in which revoked my license immediately with no notification. I have attempted reasonable payments but they refuse and expect me to come up with XXXX $ down that I can not afford in order to get my license back. I am an XXXX XXXX that has been forced to work at low paying jobs because of this I can barely afford my family as it is let alone a XXXX $ down payment.
Consumer complaint received 2020-01-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I received two targeted promotion emails from Citibank regarding their " Cash Back Booster and Additional Cash Bonus '' offer. This offer required opening a new consumer checking account and depositing a minimum of {$15000.00}. After maintaining a {$15000.00} minimum balance for 60 consecutive days, the offer specifies that a {$400.00} cash bonus would be deposited within 90 consecutive days since the requirements have been met. 

I have met the requirements on XX/XX/XXXX and I have not received the {$400.00} bonus as of XX/XX/XXXX. I called Citibank and they said that there is no promotion enrollment attached to my account. I still have an email confirming my enrollment in the offer.