davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ProCollect, Inc. (OK)

XXXX XXXX I moved into XXXX XXXX in XXXX XXXX , Oklahoma , in XXXX I have bed bugs from apartment complex, I call manager &  tell her, next day she has a note on my door telling me on which day an exterminator is going to be out & I owe {$360.00} for exterminators. I look on my lease & lease states " Tenant may or may not be charged for exterminator, I take lease to her & ask what factors in the do or do not pay? she asks owner, owner tells her " if Tenant gets a letter from last landlord stating Tenant nor last Landlords home had them then Tenant does n't pay ' I did get a letter from last Landlord stating we did n't have them so that settled that issue. also I was pro active & called numerous Exterminators & everyone told me it does n't do any good to spray 1 apart. they will go to attached apartments & end up coming back to mine & have to start the process of exterminating all over. I told apartment manager their not spraying unless they can assure me the other 3apartments are getting sprayed, she would not do that. In XXXX I get an eviction notice on my door & it stated I owe their Attorney fees. I retain an Attorney we go to court XXXX XXXX & Plaintiff Dismisses-Settled case, I move out. I apply at an apartment complex in XXXX & find out XXXX XXXX turned me over to a collection agency for a Bogus issue I left that Apartment complex paid up as you can see in the documents I 'm sending, my rent I paid in XXXX & the agreement in the courthouse on the XXXX was for me to be out of premises within 7 days & I was out. I owe nothing & this adverse account from XXXX XXXX is BOGUS!
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

In XXXX, I reapplied for my income driven payment plan for my federal loan with Navient. At that time, it was determined that I was eligible to pay a lower monthly payment. In XXXX, the rate reduction program on my private loan expired. In order to reapply, I had to give Navient a new financial statement. My income and expenses had not significantly changed from the previous year. So my expectation was that I would continue to pay my lowered rate of 3.5 % and pay $ XXXX monthly. Instead, they told me that I can afford to pay more money and increased my rate to 6.5 % and my payment to {$480.00} a month. As they were explaining how they came to this conclusion, they informed me that they werent taking certain expenses into consideration from my financial statement ( credit card payments, federal loan payments from a different lender etc. ). They also stated that I have {$600.00} left over after paying my other monthly expenses and that I should be able to use to pay them $ XXXX  month. However theyre are credit card and federal loan payments that need to be paid on a monthly basis. For example, my federal loan with a different servicer is {$220.00}. Paying both of these two bills alone will put me over my monthly income.
Consumer complaint received 2018-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC (GA)

XXXX agreed to delete account XXXX because it was paid in full XXXX XXXX. XXXX was contacted on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX and on all three occasions I was told by representatives ( XXXX, XXXX ) that they sent a request to XXXX  XXXX XXXX to delete this account XXXX. When I called XXXX XXXX on the dates of XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX I was told that XXXX never sent a request for deletion. XXXX stated they have sent MULTIPLE request to XXXX XXXX XXXX to delete this account that was paid if full but XXXX XXXX still have not deleted this account.
Consumer complaint received 2018-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc. (TX)

The loans as followed are inaccurately still on my credit after over 7-8 years. I was placed on XXXX after I was diagnosed with several XXXX XXXX, as well as XXXX XXXX. I would like these immediately removed from my credit report. 

There are a total of 11 accounts that are reporting on my credit report. I 've listed them below based on the open dates. 

XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) These are all still on my report for no reason and some seem to be doubles of other ; Please remove these immediately. Thank you.
Consumer complaint received 2018-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (AZ)

In XXXX of XXXX I submitted an online application for a secured credit card through US bank. Application required checking account and routing numbers in order to complete application. After submitting the application the site informed me that I was not approved for a card at that time and would be sent a letter in 7-10 business days explaining why. Roughly 6 weeks later in XXXX XXXX {$300.00} was withdrawn from my bank account to US Bank for the deposit with no notification of a new secured card account opened. I immediately Contacted US Bank to close the account and issue a full refund of {$300.00}, as I was not aware of any approval on my application. US Bank refused to do either. Was told I had to wait a minimum of 60 days to ensure there was no activity on the account. The account has since been closed due to overdue balance on a card that was never activated and account was never used. I was charged an annual fee along with late fees and interest. That 60 day wait was to charge fees and interest on an account that should NOT have been opened in the first place! They are now requesting an additional payment of {$110.00} in order to issue a refund. They are now negatively reporting to the credit bureaus after stealing not only my {$300.00}. But now want an extra {$110.00}! After multiple calls made to US Bank this has still not been resolved. I just want my {$300.00} back and all negative marks removed!
Consumer complaint received 2018-02-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

A few months ago, I contacted Navient about lowering my payment amount or interest, but was denied the possibility. It was difficult for me to repay at the time because I had just become a father and the expenses put me in a bind. Because I have a co-signer, I didn't stop making payments, but it was really a hard time. Now, I just had my XXXX baby, and times are harder than they were a few years ago. I tried contacting Navient again, and was denied any possibility of lowering my payments or my interest. I've been making payments for about 7-9 years and I have only made about a {$2000.00} dent in my principle. I need HELP! These people are thieves! I see that there are complaints about their forbearance program. It happened to me! When I was fresh out of school and XXXX failed to help in placing me with an employer, I wasn't able to pay. XXXX at the time, kept making me pay {$50.00} to put my loan in forbearance, and now I owe thousands in interest. It's all a big SCAM! Getting this " education '' has dug me into a hole financially.
Consumer complaint received 2018-01-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (AE)

On XXXX XXXX I wired {$4900.00} from XXXX to Coinbase. Coinbase sent an email back an hour later claiming the wire transfer was rejected because the senders name did n't match the name on the Coinbase account, and that the money will be transfered back into the senders account within 3 days. I Called XXXX and sent an Amended wire transfer shortly after the initial Coinbase rejection email. Today is XXXX and I have n't heard from Coinbase yet. I 've sent 2 help tickets a few days apart from each other, and I sent an email to them today informing them to deposit the money back into my XXXX. The only reason I have't called is because I hear the wait time is hours long. I 'm in XXXX living on a military installation, and do n't want to pay exorbitant phone fees just to be disconnected after a 2 hour hold. 

The sender 's account is mine, and the Coinbase account is my wife 's. My wife is also linked to my account.
Consumer complaint received 2018-01-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (CA)

I co-signed on a used vehicle for my daughter through Chase bank. She was involved in a card accident several months later that was not her fault. The vehicle was considered a total loss. XXXX stated they would pay the vehicle off as it was considered a total loss. XXXX did not pay the vehicle off in a timely fashion resulting in Chase bank reporting the account as delinquent ( 30 day late payment ). XXXX stated the check they originally sent was lost and they had to re-send another check. I contacted representatives at Chase bank and they stated basically that this was not there problem and that a payment from our end should have been sent out and once Chase receivd the money from XXXX they would have reimbursed us. Really do n't feel like this was our problem as XXXX appeared to have dropped the ball. The car is fully paid off now but the ding is still on my credit report. Please help!! Thank You
Consumer complaint received 2018-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (ID)

First off, we are responsible and hard working people not looking for a bail out, just company that can operate fairly and accurately. XXXX XXXX XXXX consistently makes vital errors, gives wrong or inaccurate information and has terrible customer service. 

Ever since I consolidated my and my wife 's students loans in 2013 and were set up with XXXX XXXX XXXX XXXX we've had issues when it comes to re certifying our income based loans, inaccurate information and blatant errors. 

Each year they fail to calculate our income based repayment plan properly and we are forced to spend hours on the phone with them or resubmitting paperwork because of their mistakes. Not to mention the thousands of dollars they are costing us. Every year since 2013 they've made errors when recalculating for IBR. Often doing the math wrong or forgetting to add in my or my wife 's loans on both our accounts. Last year they miscalculated 4 times taking 9 months for them to get the payment corrected. During that time both loans were put into forbearance and we were charged nearly {$20000.00} in interest because we were not making payments, due to their error. After endless hours on the phone, being given inaccurate and contradictory information they finally got it correct. Also, I'm on Public Loan Forgiveness and missed 9 months of " qualifying '' payments because of their incompetence. I would have liked to have been paying on my loans, at the correct amount. 

The company makes extremely costly errors, admitting to the errors over the phone and gives inaccurate information. They should be replaced by the Education Department and held accountable. I would venture to say most of our current national student debt issues are caused by these incompetent private companies, due to fees and interest.
Consumer complaint received 2024-10-24
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. (SC)

Account Name XXXX XXXX XXXX XXXX  Account Number XXXX I am filing a formal dispute regarding the inaccurate reporting of a charged-off auto loan by XXXX  XXXX that appears on my credit report. This account, charged off six years ago, is being unlawfully reported in violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681s-2 ( b ) and has yet to be corrected despite my disputes. As this information is inaccurate and outdated under 15 U.S.C. 1681c ( a ) ( 4 ), I am requesting the immediate removal of this charge-off from my credit report to correct the false data and protect my consumer rights. 

This incorrect reporting has caused serious economic damage, leading to credit denials, higher loan interest rates, and increased insurance premiums. I am requesting that the CFPB compel XXXX  XXXX and the credit reporting agencies ( XXXX, TransUnion, XXXX ) to remove this charge-off under 15 U.S.C. 1681i ( a ). The ongoing failure to address this dispute has caused me financial harm, and I request immediate action to ensure compliance with the law. Please confirm the removal of this inaccurate information.
Consumer complaint received 2018-01-09
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (AR)

In spite of the legal notice I sent XXXX XXXX XXXX, they have refused to comply with the Uniform Commercial Code, and the USC laws, and will not except my Promissory Note, which is legal tender of payment for the discharging of a debt. I gave them a list of some of these laws, but they dont seem to mean anything to them. Some of the laws I gave them are listed below. 
UCC 4-302 States, that if a Bank retains a negotiable instrument without taking action on it by midnight of the following banking day on which it receives the item, the Bank becomes accountable for the full amount of the item.

UCC Article 3- Negotiable Instruments Part 6. Discharge and Payment & 3-603. Tender of Payment, States ( b ) if tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, and tender is refused, there is discharge, to the extent of the amount of the tender.

3-104. NEGOTIABLE INSTRUMENT.

( a ) Except as provided in subsections ( c ) and ( d ), '' negotiable instrument '' means an unconditional promise or order to pay a fixed amount of money, with or without interest or other charges described in the promise or order, if it : ( 1 ) is payable to bearer or to order at the time it is issued or first comes into possession of a holder ; ( 2 ) is payable on demand or at a definite time ; and ( 3 ) does not state any other undertaking or instruction by the person promising or ordering payment to do any act in addition to the payment of money, but the promise or order may contain ( i ) an undertaking or power to give, maintain, or protect collateral to secure payment, ( ii ) an authorization or power to the holder to confess judgment or realize on or dispose of collateral, or ( iii ) a waiver of the benefit of any law intended for the advantage or protection of an obligor.

( b ) '' Instrument '' means a negotiable instrument.

( c ) An order that meets all of the requirements of subsection ( a ), except paragraph ( 1 ), and otherwise falls within the definition of " check '' in subsection ( f ) is a negotiable instrument and a check. 
( d ) A promise or order other than a check is not an instrument if, at the time it is issued or first comes into possession of a holder, it contains a conspicuous statement, however expressed, to the effect that the promise or order is not negotiable or is not an instrument governed by this Article.

( e ) An instrument is a note '' if it is a promise and is a '' draft '' if it is an order. If an instrument falls within the definition of both " note '' and " draft, '' a person entitled to enforce the instrument may treat it as either.
Consumer complaint received 2018-01-09
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: EQUIFAX, INC. (TN)

THE FOLLOWING INQUIRIES HAVE NOT BEEN AUTHORIZED. WHEN I CONTACTED THE COMPANIES THEY TOLD ME THAT I HAVE TO TAKE IT UP WITH THE CREDIT BUREAU. THERE WAS NOTHING THEY COULD DO. 

1.XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX All Banks XXXX XXXX XXXX XXXX PO # XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX O-NLY 2. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Miscellaneous Reptg. Agencies None provided
Consumer complaint received 2018-01-09
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. (MS)

After reviewing my credit report I noticed a few inquiries on there being reported by this credit bureau in which I have disputed them and put a fraud alert on my account as well with the creditors and the credit bureau is still reporting these not proven compliant inquiry deficient of true permissible purpose that REQUIRES immediate and permanent deletion, on my credit report. The last two letters I sent certified with tracking numbers in which the credit bureau responded back with if you believe this was unauthorized, please contact the creditor and still reporting these inquiries and ignoring my request of dispute. My complaint is towards these unauthorized and or possibly fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegations of credit inquiries by Original Creditors on my Equifax credit report. Regarding the following inquiries 1 ) XXXX XXXX XXXX from XX/XX/XXXX 2 ) XXXX  from XX/XX/XXXX 3 ) XXXX XXXX XXXX fromXX/XX/XXXX and XX/XX/XXXX 4 ) XXXX XXXX from XX/XX/XXXX and XX/XX/XXXX. I have disputed these unauthorized inquires for several months with no help from the companies or Equifax. XXXX XXXX XXXX never responded to my certified letters and after calling and speaking to a supervisor, I was told an account was opened in my name online, an online order was purchased, returned, and canceled. I have repeatedly asked for any type of detailed documentation of an original signed contract or proof of signature on order and still have not received any from this company. I have NEVER applied for credit online or in the store with this company. I have had no response from certified letters sent to XXXX XXXX. I called and spoke with XXXX in their credit department and she advised me to fax over the information that is reporting inaccurate and they would delete it. As of today, it is still reporting. XXXX XXXX XXXX is a third party for another company and keeps telling me that they will not investigate these two inaccurate inquiries that they requested on my credit file. XXXX XXXX XXXX keeps referring me to the credit bureau to investigate or Veterans home loan. It is NOT my job to track all of these companies down. These are UNAUTHORIZED inquires. I am not a veteran nor have I applied for a home loan. XXXX XXXX responded that there two inquiries were not authorized by me but they needed an update address for a bill. I DID NOT AUTHORIZE XXXX XXXX to pull my credit not once but twice they pulled it to find my address??? ABSOLUTELY no reason to pull a HARD inquiry on my credit report without my authorization! I am demanding that all of these unauthorized inquiries be deleted from my credit file immediately! I am demanding that Equifax do their job and abide by the laws!!
Consumer complaint received 2018-01-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commercial Trade, Inc. (CA)

My insurance deductible was only supposed to be {$75.00}. And my balance for the hospital is higher than what it should be. Was opened XX/XX/2015. I now owe {$94.00}. I have tried disputing with the company and got no where.
Consumer complaint received 2018-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

I opened my first Chase credit card on XX/XX/XXXX. Since then I have opened and closed more cards with chase. I have always payed my cards in full every month and have never been late on a single payment. I have been a customer since XX/XX/XXXX with my chase checking account and have never had a negative balance, I also financed my car with chase and fully paid it off. I took some time off from getting new chase credit cards, however on XX/XX/XXXX I opened up a business card and was instantly approved. I opened another on XX/XX/XXXX, two more in XX/XX/XXXX, and most recently two in XX/XX/XXXX. I was approved for all of them. Some were approved automatically and others I had to speak with the lending team and shift credit from opened accounts to be able to open the new card. The reason I opened all these cards is because I travel a lot and like to maximize all my rewards. I never once carried a balance or had a late payment. Suddenly on XX/XX/XXXX Chase closed all my credit cards and sent me individual letters for each stating " too many accounts opened recently '' and " too many requests for credit or/reviews of credit ''. I reached out to Chase and they said the decision was final. As a customer since XX/XX/XXXX I felt this was extremely unfair. If they have an issue with opening all these cards they should simply have rules in place to not allow me to open them. I even offered to close some, or reduce my credit limit but they decided not to keep even one opened. They charged me annual fees on these cards which I have paid and still closed all my accounts.
Consumer complaint received 2019-02-07
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. (TN)

To my knowledge, I have not signed any documents authorizing the following companies too view my credit history therefore, these inquiries into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

XXXX XXXX Inquiry from XX/XX/XXXX. XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX ... XXXX XXXX for XXXX Inquiry from XX/XX/XXXX ... XXXX  XXXX XXXX Inquiry from XX/XX/XXXX - XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX - EQUIFAX XXXX Inquiry from XX/XX/XXXX - EQUIFAX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX- Equifax