davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MD)

I was forced into XXXX  deferment XXXX XXXX XXXX due to a previous XXXX  deferment in XXXX. I did not need the XXXX  deferment because I was only attending XXXX  so I continued payments. XXXX has no record of my payments and refer me to Student Aide and they refer me back to XXXX. I have been working in the medical field since XXXX and my loan should have been discharged without XXXX inaccuracies! My original Parent Plus loan  was {$9000.00} and after 13 years Im still owning {$7500.00}. I was told to consolidate my Parent Plus loan and get on an IDR plan to receive and have my loan discharged. I did what was requested and still no loan forgiveness. I have several complaints in with Student Aide that have been either reviewed or pending since XX/XX/XXXX. XXXX does not effectively train their employees and inaccurate information is given to borrowers.
Consumer complaint received 2024-07-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (PA)

Eligible for XXXX XX/XX/year> with XXXX payments. Submitted XXXX form, with XXXX qualifying payments as on XX/XX/year>. I have been at XXXX payments, have been forced to make several payments despite over XXXX  months of eligibility. The transfer of XXXX to dept of edu put XXXX processing into a pause, which is now over. Ive been waiting XXXX  months and yet my loans are still not forgiven. This is predatory and unacceptable.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

XXXX XXXX is closing out my complaints withouut addressing the serious errors in information its furnishing to the CRAs. It has closed out complaints { XXXX, XXXX } and marked them as duplicates of XXXX. 15 U.S. Code 1681s2 ( a ) ( 5 ) ( B ) require the date of first delinquency ( the commencement of the delinquency on the account that immediately preceded the charge-off ) must be a date that PRECEDES the date of charge-off action. To quote XXXX in many of its responses it alleges : " It was charged off on XX/XX/XXXX. '' Now XXXX knows or has reasonable cause to believe it is reporting the incorrect information because it tries to explain away what itss doing, " It is important to know your account charge off date of XX/XX/XXXX has not changed, '' presumeably because the Date of First Delinquency informaton it is furnishing to the CRAs is XX/XX/XXXX. This is a date that is explicitly prohibited under the FCRA. However, XXXX places the blame on the CRAs claiming, " we have no control over how the credit reporting agencies display the information we provide to them. '' This might be believable except, the table XXXX itself provided in its response to XXXX shows they only started reporting the alleged charge-off status on or around XX/XX/XXXX. XX/XX/XXXX is not a date that precedes XX/XX/XXXX and XX/XX/XXXX is not a date that precedes XX/XX/XXXX. Neither XX/XX/XXXX nor XX/XX/XXXX are accurate dates to allege a date of first delinquency. No doubt XXXX is engaging in unfair and unlawful acts and/or practices by furnishing information to the CRAs that under 15 U.S. Code 1681s2 ( a ) ( 1 ) XXXX knows or has reasonable cause to believe is inaccurate. Any reasonable person can see it is inaccurate, yet XXXX continues to furnish this date to the CRAs. Therefore, the payment history, charge-off status, derogatory account narratives, and charge-off annotations must be removed because the information does not meet the requirement of maximum possible accuracy under 15 U.S. Code 1681e.
Consumer complaint received 2024-07-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NC)

See my previous complaint about MOHELA for my government student loan COMPLAINT ID XXXX SUBMITTED ON XX/XX/year> PRODUCT Student loan ISSUE Dealing with your lender or servicer This is from their site to prove they have loan. 


MOHELA XXXX XXXX. XXXX XXXXr of Federal Student Aid. 
Contact Us Search the Help Center. Opens a search form. 
Payment Methods In Repayment Loan Forgiveness & Discharge, opens a menu Support, opens a menu Account Summary Loan Details Payments & Billing, opens a menu Repayment Options Inbox Upload More... 
, opens a menu Account Summary As of XX/XX/year> ( ET ) Total Payment Due : {$0.00} Alerts XXXX have XXXX alert. 
Show Your Loans Loan Type Due Date Amount Status Auto Pay Tooltip. More information about Auto Pay.

When your loans are in Auto Pay, the payment amount for your upcoming payment due date will display as {$0.00} because your payments are automatically scheduled to recur and no additional action is required.

If you have a Past Due Amount or Unpaid Fees, they will not be added to your recurring Auto Pay amount. You need to make a manual one-time payment to pay these amounts.

To view your Monthly Payment Amount- the amount required each month to repay the loan according to the repayment schedule - select a loan name to view your loan details. Your Estimated Repayment Schedule shows the Monthly Payment Amount, along with the number of payments and total amount to be repaid according to that schedule. 





Show more information XXXX XXXX Consolidated - Unsubsidized Direct XX/XX/year> {$0.00} No Payment Due Total Current Balance : {$230000.00} Total Number of Loans : XXXX
Consumer complaint received 2024-09-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings (FL)

IQ DATA INTERNATIONAL failed to report to one or more of the credit reporting agencies that the debt was disputed. I notified XXXX, XXXX, and XXXX XXXX and each company responded by saying my complaints don't appear to come from me.
Consumer complaint received 2024-10-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB (VA)

For the second time their app crashed and they took money for orders that didnt go through. Theyre saying I have to wait 7-14 days for nearly {$200.00} to be released back into my bank.

The customer service is non existent. They wont provide links to my rights or an escalation process. They dont see any issue with waiting 2 weeks to get money back for goods they didnt order, the issue is their app crashed and they take the money before they process the order so theyre leaving customers without access to their funds and they have zero customer service to help people. On my last order that had an issue I was told if I contact the bank for my money back they will restrict my Klarna account so theyre forcing customers to take risks with whether they get their goods with no safety of customer service help that doesnt come without threats of losing your account. This time theyre refusing a manager or a copy of the escalation process and at this stage its not okay with me that theyre taking money and offering financial services if they dont have reasonable customer service or processing to protect the consumer so I dont care if they restrict my account, this isnt okay, they dont have my orders because their site crashed and the orders didnt go through but theyre holding nearly {$200.00} and refusing to help. This is really immoral.
Consumer complaint received 2024-10-06
Product: Student loan — Private student loan
Issue: Getting a loan — Qualified for a better loan than the one offered
Company: Navient Solutions, LLC. (NJ)

XX/XX/XXXX I was disbursed XXXX XXXX XXXX XXXX by XXXX XXXX XXXX Navient serviced the loan. In XXXX, I requested a loan repayment plan to begin the XXXX XXXX XXXX XXXX process from Navient. I was informed that my loan type did not qualify and instead the company consolidated the loan into a private loan type. Given the recent updates to the XXXX and the temporary waiver put in place, I learned that my original loan type did qualify and that the lender lied to me in order to get me into a high interest private loan product.
Consumer complaint received 2024-10-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Self Financial Inc. (FL)

I Advised them of Law : 15 USC 1692c ( c ) THIS LAW CLEARLY STATES If a consumer notifies a debt collector that the consumer refuse to pay a debt, the debt collector must cease all communication. Reporting to my consumer report is a form of communication, which is in clear violation for this company and the continue calls.
Consumer complaint received 2024-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/, and on multiple previous occasions, Chase Fraud department has blocked outgoing transfers from my checking account ending in XXXX to XXXX XXXX. Chase representatives have given me multiple, inconsistent reasons for blocking my transfers. These include they can not verify my XXXX XXXX  account, then can not verify that account without my permission, that the transfer amount is suspicious, etc. They refuse to allow my transfer to occur on this occasion, and subsequently Chase removed the XXXX XXXX  account from my external accounts list online. This is after the representative told me to wait 15 minutes, and that the block on the account would be removed. I have spent at least six hours with Chase dealing specifically with them blocking access to my funds, and this is costing me daily interest at a rate of 5.3 % APY for every day access is blocked.
Consumer complaint received 2024-10-04
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (NC)

I tried to go through the XXXX  but the response did not accurately reflect what happened. I set up automatic payments at XXXX to cover the payments on a couch I financed through Synchrony for Ashleys Home Furniture. I set up automatic payments and instead Synchrony ALTERED my automatic payments to not be the amount I set up with my sales associate at Ashleys that we calculated but instead to the minimum payment. This payment changed each month to be lower and lower and NOT the standard automatic payments that I had set up with my exact amount. Then the promotional period ended and I suddenly owe more than I bought the couch for in interest within a couple months. They have a 29.99 % interest rate and its clear they change their customers payments in order to string along their payments until they can claim astronomical interest. The whole reason XXXX and many others set up automatic payments is to have a certain amount taken for a purchase. And now I read in my you set up autopay! Email that they automatically switch you to lowest minimum payments. This is predatory. Misleading. I set up a payment and they just change it because I chose autopay? And how dare they then charge me within a couple months more than I owe for the whole couch when Ive been paying every month what I thought would clearly cover it as calculated upon purchase with my associate who also verified in email. I offered to pay the amount pending before interest but I refuse to pay interest that was fraudulently achieved. They claim they send emails about statements. They do and they show a minimum payment due like all statements. But since I am enrolled in autopay I do not think they are charging me this minimum amount but the amount I set up. Nowhere does it say this is your autopay amount that will be charged!!! They also have random dates showing for due so it is very confusing when looking to read and see of this is an email for a payment from the beginning as you see it says due XX/XX/XXXX but the email is from XXXX. Incorrect dates and amounts is misleading. The most frustrating part of this is seeing that they changed my payments without any warning and then their email statements dont tell me thats the amount they will take for my auto pay so there was zero warning that this was happening and then in XXXX the interest skyrocketed and I did not notice due to being in a serious car accident. I would have never noticed it happened if I had not had to provide financials when buying a new car and meeting with attorneys and seeing the amounts being off and different each month. How many people dont notice until they owe {$50000.00} in interest for a {$2000.00} purchase?
Consumer complaint received 2023-12-18
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (WA)

I transfered XXXX in total to marcus account in XXXX. Recently I found the account is locked. So I called Marcus, they said they need to contact XXXX and let me wait. I recalled after ~ week. they said the account is closed and will mail me the XXXX check. I waited for another week. But didn't receive the check. 
I called them again, now they are telling me they haven't mail me the check yet. And I need to call XXXX, which is the bank I tranferred money from, to recall these transactions. 

After contacted XXXX and I called back Marcus. they now tell me that they are waiting for chase to reply them with a phone call and out me to wait. 

I asked them are a XXXX to get my fund back. they said they can't provide me that. 

I need to use the money since the mid of XXXX and Marcus has been kept my money for very long. And they can't even let me know when I can get my money back
Consumer complaint received 2024-09-27
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Sezzle Inc. (CA)

Sezzle account had been blocked due to someone who used to live at my address filling bankruptcy. Tis person information has nothing to do with me and I demand Sezzle to change their records so I can use my account accordingly. 

XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Last XXXX : XXXX Phone : XXXX Email : XXXX XXXX
Consumer complaint received 2024-09-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

Hi, I took an unsecured high interest rate loan from USAA on XX/XX/year> in the amount of {$50000.00} at 17.74 % interest rate to consolidate credit debt. 

The loan agreement stated a biweekly payment of {$520.00} over 155 months ( starting XX/XX/year> ) ; plus, one final payment of {$530.00} due on XXXX/XXXX/2030. 

However, undisclosed to me, USAA deceptively applies 100 % of my biweekly payment of {$520.00} to interest only and {$0.00} to principal. I requested an amortization table and USAA refuses to provide an amortization table. USAA also makes it impossible to make principal payments. I can only make individual principal payments at a time by manually logging online and scheduling the payment. 

USAA has been taking 100 % of my payments and applying it to interest UPFRONT with zero to principal. 

This was never disclosed in the consumer loan application or agreement that USAA will apply 100 % of payment in interest only on the loan. 

They also refused to give me an amortization table. This organization is deceptively dishonest. Please contact me to discuss. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovative Collections, LLC (SC)

XXXX let someone put a freeze on my credit report. When I asked them to remove the freeze, they told me that I needed to provide them with the XXXXXXXX XXXX before they could remove it. They said that someone put a freeze on my report in 2020. I told them that I never put a freeze on my report and did not know that they had anything to do with my credit report. I would like for them to remove the freeze immediately and get a letter stating the freeze has been removed. I have been trying to get this removed for XXXX XXXX.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Capital Accounts, LLC (CA)

CLOSE ACCOUNT XXXX. XXXX XXXX  OPENED XX/XX/XXXX CLOSED XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX OPENED XX/XX/XXXX CLOSED XX/XX/XXXX. XXXX XXXX. XXXX XXXX XXXX ( XXXX ) OPENED XX/XX/XXXX CLOSED FED XXXX, XXXX OPENED XX/XX/XXXX CLOSED XX/XX/XXXX OPENED XXXX XXXX, XXXX CLOSED XX/XX/XXXX THESE WERE OPEN BY FRAUD AND I PAID THEM ON FULL TO BE REMOVED AND THEY ARE STILL SHOWN ON CREDIT REPORTS. THESE BANKS TOLD ME ONCE I PAY THEM IN FULL THEY WILL GET REMOVED I WOULDN'T WANT TO WAIT 7-10 YEARS FOR SOMETHING THAT AINT MINE. I CONTACT XXXX AND THEY TOLD ME TO DO THIS STEPS AND YES IN THE PAST EVERYTHING WAS REPORTED AS FRAUD BUT WAS NEVER REMOVED.
Consumer complaint received 2023-08-09
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: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

Checking my credit report a few months ago, I discovered errors regarding the account of PORTFOLIO RC ( XXXX ). This is violating my rights. I disputed these errors directly with the three credit bureaus and the collector itself ; however, I only received generic responses regarding this matter. Therefore, I am filing this complaint based on my research. The company in question is violating the sections of 15 USC : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.
Consumer complaint received 2024-07-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

I had checking, savings, CD and investments at JP Morgan Chase. I have been a loyal customer for 18 years. On XXXX I went to use my debit card to pay for my lunch and my card was declined. I contacted Chase and they told me there was suspicious activity so all of my account are being closed and a cashiers check would be mailed out for each account. After talking to chase hundreds of times over the past month and half, no reason has been given except Chase has the right close accounts at anytime. It took me over a month to receive a cashier check for my checking and savings account. I still have not received a cashiers check for my sons checking account that was linked to my account that he has had since he was XXXX and now is XXXX. Every time I call chase bank they give me the run around about the final cashiers check. They stated the check is in process, then the check was mailed with a check number, I have been calling back on a weekly basis and now they are saying the cashiers check was approved to be mailed and is still in process. I have never in my life dealt with something like this. You should be able to trust your bank. Any advise would be appreciated.
Consumer complaint received 2024-07-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: U.S. BANCORP (IL)

On XX/XX/year>, my husband XXXX XXXX XXXX and we called US Bank that day to learn what our options were. We were approved for XXXX forebearance for XXXX  months. On XX/XX/year>, I received a call that our forebearance was terminated due to failure to comply with verifying my husbands employment status in XX/XX/year>. I stated that US Bank called me on XX/XX/year>, during which I verified that my husband was still unemployed. US Bank was unable to locate the call, so I was advised to submit proof of the phone call, which I did and havent heard from anyone since. On XX/XX/year>, I was told that a new application was submitted and would take effect XXXX XXXX. I called again on XX/XX/XXXX and was told that my complaint was received and that Id hear from US Bank within XXXX hours. I was also told that our new forebearance application was still in review. I never heard from anyone. I received a letter that our new forebearance was approved starting XX/XX/year>, which wasnt in line with what we were promised. When I called to inquire, I was told that it was because our application was not submitted until XX/XX/year>, which is untrue. As of XX/XX/XXXX, I still had not heard anything about my complaint or our account. I spoke to someone who told me that they wont speak to me anymore because my account is now being handled by XXXX XXXX XXXX we will need to wait to hear from them. On XX/XX/year>, we received certified mail demanding payment for the months we were in forebearance, followed by a series of threats. We never should have been taken out of forebearance in the first place & now we are being abused, neglected, lied to & threatened. We have nobody that will speak to us regarding the letter we got today & we are at a loss! There have been a multitude of phone calls & I have requested that the bank review all of them & nobody will tell us whats going on. We were told wed be able to apply for assistance once we came out of forebearance & nobody will assist with that. Ive called to report that my husband started working, they didnt note it. This is predatory indeed, due to the variance in information provided by US Bank, their failure to communicate with us & follow thru on their promises & the terms they set forth, and now failing to acknowledge the proof we went in showing them that that called on XX/XX/XXXX. This is an unbelievably challenging time in life & wed never do anything to jeopardize the roof over our head. Truly XXXX that a bank can do this to someone!
Consumer complaint received 2024-07-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

I previously submitted a complaint with your department very unhappy with the results. You close the dispute so fast without even giving the chance for me to respond on the final reply from the credit deck collector since then I've recovered all the information improve on my side, which wasn't an easy task, they lied. They stated they didn't receive it. They've changed their address multiple times they sent the request that I received and I no longer even lived at that address already for over a year and I have proof of that.