davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-31
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (DC)

I could not find a more appropriate category, but I am struggling under the weight of my federal student loans. I elected to participate in public service loan forgiveness. I am on the income based repayment plan. I am grateful that the program exists, but if for some reason the program does not exist in 3.5 years when I complete 120 payments, I will have paid more than {$100000.00} and paid no principal at all. 

I have made 76 payments as part of the program. After 76 payments, I have paid {$51000.00} in interest and nothing on principle. The only principle satisfied on the loan was part of the State Department 's Student Loan Repayment Program, a taxed student loan forgiveness program for people working in war zones. That amount was {$5300.00} after tax. The current bill still shows interest owing on the loan. 

Making matters worse, my university tricked me into signing private loans. The loan officer, now retired, told me that I could not finish school if I did not take out private loans totaling {$50000.00}. I consolidated those loans through XXXX, but the variable interest rate is approaching 6 %. My student loan payments now top {$1300.00} a month and I have paid no principle at all.
Consumer complaint received 2019-12-31
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCE CORPORATION (IL)

this company is a rip off I borrow XXXX for them I know I own them money but they are charge me XXXX in interest and I think this is crazy this company is worst then a payday load store I didn't know it was going to be XXXX in interest al they do is laugh at all of the customer company like this should be helping people and not robbing them blind the name of these company is one main financial main off number is XXXX
Consumer complaint received 2020-06-09
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: Commonwealth Financial Systems, Inc. (CO)

I contacted XXXX about 2 accounts that were not mine on XX/XX/XXXX, XXXX one for {$1400.00}, one for {$520.00}. I disputed these accounts and also contacted the company which is Commonwealth Financial XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX to find out why this was place in my credit report. The name was not mine, I never used an emergency Physician in my lifetime as I have had the same Doctor for 20 years. They asked me my birthdate and they said it was not correct. I spoke to a girl named XXXX with Commomwealth. She said  she would have them take it off, which XXXX did take it off. Then today XX/XX/2020, I get an email from XXXX telling me that they reversed it. This is NOT me and I need help to get this resolved. Can you please help me?
Consumer complaint received 2019-12-30
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The Grogan Law Group, LLC (NJ)

On XX/XX/XXXX, I spoke to XXXX XXXX of Grogan Law Group of XXXX, NJ to set up a payment plan for my debt. She used a disrespectful tone, even after I had requested that I was fairly trying to pay what was owed and finding the best way possible. Her language was accusatory and demeaning. On XX/XX/XXXX when trying to make a payment, I spoke to a representative who frequently cut me off when I requested information and raised his voice in a demeaning manner. Before I could ask another question, he hung up as soon as the payment processed. In addition to this, I receive no receipts, only confirmation numbers. The initial summons was sent to an address that I was associated with but was not my legal residence. The debt that they were trying to collect was not associated with this address, therefore, I did not receive the summons and lost the lawsuit by default.
Consumer complaint received 2020-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/XXXX, I received my card and cardmember agreement from American Express. On XXXX XXXX I contacted American Express to apply for a balance transfer, however I was informed by customer representatives and supervisor XXXX ID # XXXX that American Express does not allow balance transfers after the first 60 days of card opening or without a promotional offer. This information is contradictory to the information clearly stated on the cardmember agreement, which states that : " 0.00 % introductory APR for the first 15 months on balance transfers requested within 60 days of account opening. After that, your APR for those transactions and any other balance transfer requests, if we accept them, will be 14.74 % to 25.74 % based on your creditworthiness and other factors. '' There is no further information on the cardmember agreement that references balance transfers not being accepted after the initial 60 days after card opening. There is also no information in the cardmember agreement that states that the only time to apply for a balance transfer request is within the initial 60 days or during a promotional offer. When I asked American Express representatives to provide the stated balance transfer application rules, I was informed that they could not. I have included the information about balance transfers that I received when I applied for the card.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-06-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

Hello, My loan is serviced with a company called Nelnet and I have been paying significantly more in monthly payment ( {$1000.00} vs. {$440.00} ) so I can pay off this faster and never have any student loan again. 

Today, I looked at my account to ensure that they are still taking the money out rather than deferring it due to the pandemic and realized that my last two payments had {$0.00} applied to the principal. Upon seeing this, I reached out to them and their explanation is that they decided to only apply my payment on one of two loans while the second loan would continue to accumulate interests ; hence, the total loan amount was growing when I was making more in monthly payments, which I thought it would go towards both loans. 

I think this is extremely ethical to let one loan get bigger when I am making extra payments so they can benefit from it as much as possible.
Consumer complaint received 2020-06-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Pittenger Law Group, LLC. (MO)

Pittenger Law Group , LLC . sent a letter via USPS claiming to collect a debt that was discharged and sold. I responded accordingly and informed the Debt Collector that I did not owe what the letter claimed. I asked for validation of the debt and informed the Debt Collector of the Fair Debt Collection Practices Act and that all correspondences be sent via USPS ... 

Pittenger Law Group , LLC . sent an Itemized list along with a copy of a contract agreement. I responded accordingly within the dates stated within the letters sent, by next day express mail and sent copies of the receipt, after XXXX XXXX alluded that His office received the letter after the last date given to respond -- - here are the following dates XX/XX/2019 - XX/XX/2019 - XX/XX/2019. 

There is no contract between the original creditor, nor Pittenger Law Group , LLC . The Debt collection practices XXXX XXXX and Pittenger Law Group , LLC . has been in direct violation of FDCPA rules and regulations. I am dragged into Court, although XXXX XXXX has shown without any of the File or Documentation and has admitted to being unprepared. Where is Attachment A or the Contract Agreement between the original owner and the Debt Collector ...
Consumer complaint received 2019-12-20
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (IA)

QuickenLoans called me about a refinance offer to reduce intetest rate. So i listened and i was a little interested so i started process. It got kinda of confusing with all the different people that called me through the process. When it started they told me that i would need {$500.00} at closing. Then i got a call and they told me i would i need a {$1000.00} at closing. I said whoa wait a minute, i was told {$500.00} and now you tell me a {$1000.00}. So i told them i didnt want to complete the closing. I was told at very begining that anytime before closing, i could change my mind and not close. So i get another call from quicken stating that the {$1000.00} was a mistake and i may only have to come up with {$50.00} so i said well that sounds a lot better. I get another call stating it would be {$300.00}. So i said well i could maybe scrape up that. So i was told to go on website and choose a closing date. They only gave two options which was right before Christmas and between paydays. So i left them a message stating that i could close on XX/XX/XXXX if i dont have to have money at closing, they flat out told me NO so i said ok im done. I do not want to do this refinance. Since then i have got like 10 phone calls in about 2 days. I messaged them and said im done, dont call me anymore. They just keep calling and i have been ignoring the calls but they wont stop!
Consumer complaint received 2022-10-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: ALLY FINANCIAL INC. (CA)

In XXXX, i noticed a credit report remark in an email sent to me, saying Ally charged off my account. I called immediately and asked why it said that and what i could do, i have been trying for the past few months to get ally to work with me. I asked for lower payments and as well to have all late fees removed due to my hardship from covid. I have had nothing but issues with ally, they dont ever work with me in pleading for help. They refuse to actaully help you with your situation and rather just charge it off. I no longer even want to have the loan, i want to rescind my loan with them and get back all the money i have paid. I know my rights with consumer laws and i am asking for a rescission with the loan agreement i made with ally and i would like the title of my car to be released since ally has charged off the account, to have the lien removed and title sent directly to me in my name. Allys obligation with the car has been considered charged off and i no longer have an open account with them, i would like to remove any and all derogatory/negative/late remarks from my credit report immediately. I want the account to be changed to positive or settled in full or a completed status. I will not hesitate to look deeper into my rights as a consumer and take legal matters if necessary if ally does not cooperate or release the title held in their possession to me with no lien as well as my full refund of the total amounts i have paid, around {$8000.00} approximately. Please respond and mail all requested items directly to me within 7-10 days. If i do n ot hear a response or receive requested documents and refunds, i will seek legal proceedings afterwards. Thank you
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

As mentioned on XX/XX/2018, I contacted Equifax via certified mail in response to a claim the Illinois Federal Bankruptcy court verified a bankruptcy under my name and social security is accurate. I am once again challenging the accuracy, compliance and reportability of this information, because it was NOT released through the Illinois Federal Court but through a 3rd party XXXX/XXXX. This information was obtained through a 3rd party and NOT directly from the Illinois Federal Court, this is a violation of the Fair Credit Reporting Act. Equifax has failed to validate the information with the Illinois Federal Court, also I've requested documentation bearing my signature that I've given XXXX/XXXX  consent to release any information concerning myself. I have requested the procedure for verifying records and have not received them from Equifax. Equifax did not receive this information directly from the Illinois Federal Court but through a 3rd party, therefore this is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2019-12-26
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. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT. I AM NOT LIABLE TO THOSE INQUIRIES AND WERE NOT AUTHORIZED BY ME. PLEASE HAVE THOSE REMOVE OFF MY CREDIT REPORT
Consumer complaint received 2020-06-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CT)

SLS continues to misapply funds to my escrow account despite my clear intentions on how funds should be applied. As a result of this they are showing a significant deficit in my escrow account. Furthermore, when I reached out to SLS I was placed in a call back queue and when I finally received a call back I was hung up on within 5 seconds of the call and they never reached back out to me. I am seriously frustrated with their handling of my account.
Consumer complaint received 2020-06-09
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: Experian Information Solutions Inc. (TX)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$190.00} XXXX XXXX {$340.00} XXXX XXXX {$120.00} XXXX   XXXX {$860.00} XXXX XXXX {$30.00} XXXX   XXXX XXXX {$520.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$24000.00} XXXX XXXX  XXXX {$490.00} XXXX  XXXX {$240.00}
Consumer complaint received 2020-06-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (MO)

US Bank : 3rd complaint : Since opening my personal accounts back up to me last week, I still can not access my online banking or the mobile banking app for my personal accounts on my phone. I was told last week it would be opening this week. I thought I would double check that through the CFPB since you seem to be able to give me more straight forward answers here. Can you please give me a date for when all my personal accounts will open up for regular use which includes online access? 

Thank you XXXX XXXX
Consumer complaint received 2019-12-30
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. (CA)

XXXX  XXXX XXXX  ACCT XXXX {$1000.00} is reported as a Charge Off. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the agency, rather than investigating, they toss the issue back to the agency who then continues to report erroneous information.
Consumer complaint received 2019-12-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NJ)

My mortgage was sold from XXXX to Loancare XX/XX/19. Loancare processed my XX/XX/19 payment but has not posted my XXXX - XXXX payments. XXXX XXXX  has sent twice proof of payment but Loancare has not responded. The XXXX has sent a complaint to them but with no response. From all the other complaints on the XXXX website, I think this company is involved in mass deception and fraud. 
I can not get through to anyone person who is handling the case. There are letters coming to me but no person, email or extension that I can contact. 
Is this another company who will be claiming bankrupcy with our money? 
please look into this
Consumer complaint received 2019-12-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (MO)

This company has continued to report information negatively on my credit file that I can not dispute not confirm. 
They have not provided me documentation showing any form of contract between myself and NCS They have not provided me written notice regarding this debt
Consumer complaint received 2023-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL (CA)

I have been approved for a card many many months ago. I have never received a card. They have said they have mailed several cards but they never arrive. I have even confirmed the correct address with them, but still nothing.
Consumer complaint received 2019-12-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergence Acquisitions, LLC (MI)

I spoke to XXXX XXXX  and advised of identity theft-fraud on this account in writing years ago. Also spoke to Convergence Receivable LLC and advise of identity theft in writing as well..I advised the other Law office this is not my debt. Now I am being garnished by XXXX XXXX XXXX XXXX XXXX XXXX for debt that is not mine. I did speak to the representative at XXXX XXXX XXXX, XXXXand advise him this was not my debt. He responded by advising me that my information was not the same information listed on the account. Attach is a copy of the FTC identity theft affidavit. Please cease all legal action and close this account.
Consumer complaint received 2019-12-30
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. (CA)

XXXX XXXX XXXX  ACCT XXXX {$1000.00} is reported as a Charge Off. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the agency, rather than investigating, they toss the issue back to the agency who then continues to report erroneous information.
Consumer complaint received 2019-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

Credit card with CitiBank. 
My card and cell phone were stolen on XX/XX/XXXX, after using a cash advance for {$100.00} at an ATM. I called Citi to report my card as stolen and noticed there were multiple fraudulent charges. I have had multiple phone calls with them, as originally they did not submit all of my transactions that were fraudulent under a dispute. Now they closed my case saying that the charges were valid because the chip reader was used ( despite my saying that the card was stolen and not in my possession ), and refuse to reopen the case, nor send me a copy of my calls where they state I said I had my old credit card in my possession.
Consumer complaint received 2023-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2019-12-30
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. (CA)

XXXX XXXX ACCT # XXXX is trying to collect on an unknown debt in the amount of {$1000.00} dated XX/XX/2015. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the collection agency, rather than investigating, they toss the issue back to the collection agency who then continues to report erroneous information.
Consumer complaint received 2019-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX  ACCT # XXXX is trying to collect on an unknown debt in the amount of {$1000.00} dated XX/XX/2015. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the collection agency, rather than investigating, they toss the issue back to the collection agency who then continues to report erroneous information.