davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-14
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: DISCOVER BANK (NY)

I have over {$200000.00} in existing student loan debt, both federal and private. I have been working XXXX jobs, 7 days a week, to try and get by and repay my loans as best I can. XXXX years post-graduation, I have NEVER missed a payment despite my monthly payments being over {$2000.00} combined. 

I contacted Discover Student Loan, who services about {$85000.00} of my private student loan debt, because they advertise on their website that they have Repayment Assistance Programs for struggling borrowers. Several of the programs offer either reduced monthly payments or interest-only payments for a period of time. 

I spoke with a very pleasant lady who understood my issue and wanted to help. She took my information and looked into " what programs I qualified for ''. She advised me, at this time, I do not qualify for any of the repayment assistance programs. I was n't sure exactly what she meant by this so I asked, what exactly would qualify me for the programs. She did not know, but simply that I did n't qualify. 

I asked what, in the future, I would need to do or have done to me in order to qualify for the student loan assistance programs. She said that she did n't know but that I simply am not eligible despite not being delinquent on any payments now or ever. 

I do n't understand what kind of game Discover is playing. If my situation is not the ideal one for the repayment assistance programs, I do n't know what is. I am being CRUSHED by student loan debt and, yet, I am doing everything in my power to not default or miss payments. I am trying to be a responsible borrower and live up to my end of the bargain, but the private student loan companies are making it very difficult. Defaulting on my loans becomes a more and more enticing option every day. 

Please help!
Consumer complaint received 2016-01-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (NC)

I received notification that a Debt for the amount of : {$140.00} on XXXX XXXX, 2016 was place don my XXXX Credit Report and am not sure if there are others from this company. They have not provided any pre-collection attempts or notified me via postal mail, or a phone call. They have the wrong person. Ruining my credit. Needs to be removed ASAP! and A LETTER TO ANY CRA 'S REPORTED TO, TO have it removed. 

I need this removed ASAP! 

Alert Date XXXX/XXXX/2016 Source XXXX Company STELLAR RECOVERY INC Payment Status Collections Status Date XXXX/XXXX/2016 Balance {$140.00} Balance Date N/A Address XXXX XXXX XXXX XXXX, MT XXXX Thank you
Consumer complaint received 2017-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (FL)

I was contacted by synchrony bank concerning  a TJMAX credit c ard that was due, They agreed to remove all account information for my credit report once the check was cashed. On  XXXX / XXXX /   2016  the check was cashed I have called on several occasions to have the acct removed to no avail.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2017-07-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MA)

In the beginning of the year of 2017, I received a call from Macy -AMEX Department Stores about a suspicious purchase. I confirmed I did not authorize the purchase. The account was closed and a new account number was opened. I was instructed to check my monthly statement when I receive it and to call if there were any other transactions I did not authorize. As soon as I received my statement, I called to explain I did not authorize a transaction that was posted to my account. However, the company although already aware these transactions were not authorized by me continued to accept these purchases. I have spent numerous hours trying to work with the company to correct these issues however, they have now affected my credit score and ruined my credit history.
Consumer complaint received 2017-01-28
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (OH)

I have been affected by the recent allegations against Navient regarding my loans as well. My loans were originally with another creditor and transferred to Navient. As early as 2007 I have fallen under all poverty income guidelines for all government agencies and/or have attended school at various places. Instead of offering deferments, or offering with income driven repayment plans, I too have been offered economic hardship deferments, where my interest rates have continued to soar. They would capitalize interest and let it build.I am now paying monthly out of pocket to an accredited online learning institution because I can not afford otherwise to attend school. I can not afford to pay the payments each month requested while not in the IDR plan. They have request XXXX per month out of my XXXX income which supports XXXX people in my household. I also work for XXXX for over 15 years and this was never asked of me and loan forgiveness ever discussed either. I feel this is unfair and I will have to pay thousands in interest that could have been avoided.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is stressing me out, my loan requests are being declined due to incorrect credit records. Despite fulfilling all my financial obligations, these inaccuracies have impacted my ability to secure loans and caused significant frustration.
Consumer complaint received 2016-03-15
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (NC)

In XXXX, I opened a " healthcare '' acct with Chase with promotional financing. They closed that portion of their business in XXXX, I believe. In XXXX, I managed to finally pay off the entire amount before the end of my " promotion. '' A few months later, I was cleaning my office and found my very first statement from that account. I went online to look at the rest of my statements and could only go back to XXXX XXXX. I then asked repeatedly for the statements from XXXX XXXX XXXX and then from XXXX XXXX XXXX. I received copies of the missing statements. Later I received " copies '' of my statements from XXXX XXXX XXXX. Immediately my account was removed from online access. Well, I actually already had my statements from XXXX XXXX XXXX. The statements I received from Chase were " different. '' So my promotional financing had been to " PAY OFF MY PROMOTIONAL PURCHASE BALANCE IN FULL BY THE PROMOTION EXP DATE TO AVOID PAYING ACCRUED DEFERRED INTEREST CHARGES. '' The " NEW '' copies no longer had the " promotional financing '' written on them because ... CHASE NEVER DEFERRED my interest thus it NEVER ACCRUED. So I ended up paying {$1500.00} in interest, TWO EXTRA YEARS of payments approx {$3600.00}, & working extra hours while I was in school to make those payments. Well I would have actually been okay with Chase just refunding me the amounts and admitting their mistake, but then they decided to commit " FINANCIAL FRAUD. '' I made a complaint on XXXX and their representative, XXXX XXXX, tried to tell me how I did not understand how the promotion worked. Well I consulted around and then noticed my paypal credit statement. SURPRISE!! I knew I was right. AMAZING how a XXXX DOLLAR company would rather commit a Federal Crime, I believe the FBI label it as " WHITE COLLAR CRIME and FINANCIAL FRAUD '' instead of just admitting their mistake and paying the accidental overpayment.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

I have sent multiple dispute letters to XXXX, Equifax, and XXXX to remove incorrect information on the dates ( XX/XX/year> and XX/XX/year> ). I havent received any information regarding these disputes. I have asked for them in writing and i have not received any information at all.
Consumer complaint received 2015-11-04
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (CA)

I recently applied for a Citibank double cash rewards credit card. They stated the apr ranges from 12.99 up to 24.99 based on your credit score. My credit score was very high. They approved my application and gave me an apr of 15.99. I was confused as to why I did not get the 12.99 score, considering my credit fico score was so good. I talked with management and they refused to tell my why it how this apr is determined. I feel this is fraudulent to advertise This low apt if 12.99 if you ca n't tell a consumer who is eligible for this and what the parameters are for determining the apr.
Consumer complaint received 2017-01-10
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (MS)

THE ONE TIME ANNUAL CREDIT REPORT WEB-SITE IS NOT WORKING. IT WILL NOT ALLOW YOU TO FINISH TYPING IN YOUR INFORMATION, BEFORE IT FLIPS YOU AWAY. WHY WE CAN NOT GET OUR ANNUAL CREDIT REPORT ONLINE, ESPECIALLY WITH EQUIFAX, WHO DOES NOT REMOVE NEGATIVE INFORMATION AND ADDRESSES, THAT I KNOW NOTHING ABOUT.
Consumer complaint received 2024-10-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (LA)

I XXXX XXXX a consumer has asked the XXXX ( XXXX ) major credit reporting agencies to update, the inaccurate, incomplete and incorrect information on my credit report. I have sent letters on several occasions to no avail. XXXX, Equifax and XXXX have completely disobeyed FCRA, they have not removed personal information that needs to be removed immediately. 
I am asking that you remove the following accounts : XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. 
According to the credit reporting laws it ensure that bureaus report only 100 % accurate credit information. I believe that every step should be taken to remove this from my account as soon as possible. 
The following information need to be removed according to ACRA guideline ( ASAP ).
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Here is a detailed account of the circumstances that led to the missed payment and why I believe I am not at fault : 1. Account Access Issues : Both the authorized user and I were locked out of the online bank account, preventing us from making the necessary payment. 
2. Customer Support Limitations : When we reached out to customer support for assistance in unlocking the account, we were informed that they could not provide the account number, which was required for us to regain access. 
3. Payment Made Over the Phone : To resolve the issue, we decided to pay the full remaining balance over the phone end of XX/XX/year> for XXXX. During this process, we were assured that there were no additional charges outstanding. 
4. No Additional Purchases : After making the payment, no additional purchases were made on the account. 
5. Credit Score Impact : Despite our efforts, I noticed my credit score dropping from over XXXX to around XXXX after a month and a half. Upon investigation via XXXX XXXX ( again still no access to credit card account directly ), I discovered that a small balance of approximately {$25.00} remained on the account and had grown to around XXXX due to late fees, which led to the negative impact on my credit score. 
6. Resolution with Customer Support : I contacted the collections department and spoke with a team member who provided the account number, enabling me to finally be able to sign in, review the account, and pay off the remaining balance, including late fees. We noted that the previous support agent changed the payment alerts from the authorized users email to an email that we do not use to be notified for payments. After explaining the situation, the team member agreed that I was not at fault and credited the late fees back to my account.
Consumer complaint received 2024-08-28
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. (NJ)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (FL)

My account had " pending '' transactions. I made a deposit to cover. Credits are supposed to post before debits. This has happened before and PNC bank has always refunded the fee. This time I call and spoke with XXXX her team lead is XXXX XXXX and their manager is XXXX XXXX. No one above XXXX were available to speak. I took photos of my account to show the pending status of the credit and debits. I was charged XXXX. <P/>Another problem is that I am a XXXX XXXX As such, it is known for corporate governance purposes Public Companies are required to have a line of communication to the executive office to make complaints. Well PNC cancelled this telephone number.
Consumer complaint received 2017-01-10
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (AL)

Insurance and Banking agencies use Experian-generated questions to confirm identity. These questions are incorrect and they 've caused me to be locked out of my car insurance account ( a company I 've been with for 30 years ). I 've now spent XXXX5 hours trying to resolve this but : 1. Experian has a phone tag system that leads to nowhere. 
2. I 've tried to get my Credit Report to see if there 's an actual issue, but I 'm unable to. The " system '' informs me to call ExperianXXXX XXXX etc, but ... see XXXX above. 
These companies have far to much power and operate in such a haphazard way. My insurance company said they are receiving MANY calls from customers facing the same dilemma I am.
Consumer complaint received 2017-06-22
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. (TN)

I recently learned how my identity was stolen. In XX/XX/XXXX I filed a medical malpractice law sue. I went through my court documents and found a copy of my credit report the attorney pulled. My birthday have been changed to XX/XX/XXXX. ( XX/XX/XXXX ) is my date of birth. My former employers have been changed. XX/XX/XXXX I worked for XXXX XXXX. XX/XX/XXXXI worked for XXXX XXXX XXXX XXXX
XX/XX/XXXX- XXXX XXXX-XXXX XXXX XXXX XXXX XXXX I purchased my home at XXXX XXXX XXXX on XX/XX/XXXX. In XX/XX/XXXX I lived at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX-XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX allowed someone to make copies of my math papers with my signature and my XXXX XXXX child power of attorney from XX/XX/XXXXwhen began receiving social security benefits. The bank allowed a Breach of Contract to take place. The bank allowed money from the department of labor to pay a series of mtgs with XXXX XXXX XXXX. The FBI told me it was an inside job. The Attorney General told me about the Power of Attorney stolen from me home with my signature. There is property in XXXX XXXX XXXX lives there. It was sold to a company called XXXX XXXX. The XXXX Family is using our XXXX father social security number. Secret Service also notified of fraud, embezzlement, abuse of His Housing.
Consumer complaint received 2016-03-29
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (IL)

Shell XXXX Co did not bill me in a timely manner for the XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX gas purchases. All my other bills were forwarded to me by the XXXX XXXX XXXX to my XXXX address ; the last legitimate charge of {$52.00} was paid on XXXX XXXX, XXXX and any other charges are late fees and not my doing.
Consumer complaint received 2015-11-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Premier Portfolio Group (FL)

About 3 times a week for the past several weeks I have been receiving calls from different numbers that all claim to be Premier Portfolio Group. I never answer the call and the voice message is always the same pre-recorded message saying that I need to call them back regarding a bad check that was cashed in my name. It is an obvious scam as none of my financial records indicate any such transaction. I called XXXX the numbers and spoke to a female. I demanded that they remove from phone number from their list and not to call me ever again. Not 30 minutes later I received a call ( always from a different number with a different area code ) and the message left was the exact same one I 've been receiving this entire time from " Premier Portfolio Group. ''
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2017-06-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

On  XXXX   XXXX , I sent a letter to Equifax, asking them to investigate several errors that appeared on my credit report with their agency. Nea rly three month s have passed since I sent the letter, but I have yet to get any response whatsoever. They are supposed to respond within 30 days. I have even attempted to follow-up with Equifax several times, but I still get no response.     I am attaching a copy of the letter than I sent to Equifax in this complaint.
Consumer complaint received 2024-10-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I did not give expressed written consent to or authorize any third-party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, Please be reminded, No consent is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . Please promptly remove this data within 4 business days under pursuant 15 USC 1681-c-2 to avoid any further legal proceedings. Thank you for your timely compliance
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2017-01-11
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION (GA)

After a death in the family we found IRA 's that were left to me by my deceased father and they also included my name. We had the will probated and began the task of dispersing his assets. The late part of XXXX 2016 we took all needed paper work including a death certificate to our local branch and were told we would receive the the money in a few weeks.The XXXX part of XXXX when we had n't received a check we returned to our local branch only to be told that our paper work was lost in a flood so we began the process again and told that a check would be mailed on the XXXX day of XXXX. XXXX XXXX no check has been received so we return to our local branch and told that due to the recent holidays and snow that its just taking a little longer. Upon further questioning we find out that they are now missing a death certificate which is supposedly lost in this flood and not located from the 2nd submission so we provide it immediately and now are told that a check will go out Friday XXXX XXXX.