davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

I currently pay {$250.00} in monthly payments to Navient on a Rate Reduction Plan for {$63000.00} on student loans. Approximately $ 200/month goes toward the interest of my loan while only {$56.00} goes toward the principle of my balance. I originally took out about {$50000.00} in student loans through Sallie Mae ( now Navient ). I am on a 30 year repayment as I can't afford the over {$600.00} standard monthly payment. Over the course of the next 30 years based on the current loan rates I pay, Navient will profit at least {$72000.00} on an original {$50000.00} student loan. I've requested alternate payment options- none are available. I've filed formal complaints with Navient- I'm reminded of the original terms and conditions of the loan. When filing the complaint with Navient I was told my complaint is the most frequent complaint about Navient. Even mortgages are available for refinance. I've tried to request my payment allocations be restructured so {$200.00} goes toward principle while {$50.00} goes toward interest- Navent refuses and does not have such a program. Every six months my monthly payments increase with Navient due to a 0.5 % increase on interest. I can not afford the continuous increase in interest payments, I'm frustrated Navient and their shareholders continue to profit off my hard earned money. I've even considered stopping payment altogether but can not as Navient will pursue legal action against myself and my co-signers to garnish wages or put leans against my cosigners property. I comply with the payments to prevent the aforementioned consequences. I do not pay out of consent ; I believe Navient is financially raping thousands of student loan borrowers to line the pockets of the million/billionaire shareholders that have stock in this corporation. Because of Navient and my astronomical $ XXXX/mo student loan payments I can not afford a house, it's a struggle to help support my family, and quality of life is poor. I went to school for a better life, instead, I'm indebted to Navient, paying astronomical interest rates with no benefit to my self or my family. I can not better myself and return to school for a trade because deferment and forbearance will only increase my interest rates and long term repayments. I believe legal action needs to be taken against Navient to assist student loan borrowers reduce payments and help pay loans off faster. After 5 years of repayment to Navient, I have barely reduced overal principle of the loan and will not pay off these loans until I am XXXX years old.
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: ALLY FINANCIAL INC. (MI)

I had to have a freeze put on all 3 of my credit reports due to companies like this. Companies like Plus Finance do this because the CFPB and other agencies don't ever hold companies accountable. 

In XX/XX/2023 i had a letter sent to Plus Finance informing them of my Fianancial Hardship. I gave them a settlement amount i make in 3 payments yet it's no 30 days later and Plus Finance didn't bother to respond. I included the letter i had faxed. I was also a victim of Identity Theft that have caused me so much damage to my credit and UnNecessary stress that i don't need due to already having Health Issues and my XXXX XXXX. Plus Finance continue to report my account as XXXX XXXX to the 3 credit bureaus who i intend to file a complaint against for allowing companies to report anything on people 's credit. The 3 credit bureaus should be held accountable for allowing companies to report anything including false information then all 3 credit bureaus put you thru XXXX to put a credit freeze on your credit which is suppose to be free for customers and they make it hard to report Identity Them. 


Plus Finance also lied a year ago that the hard inquiry on all 3 of my credit reports yet i then was told i had to contact XXXX XXXX since i applied there. Plus Finance knows they have no warning of a hard inquiry when you apply thru XXXX XXXX who have been sued for their business antics. They also closed the accout without warning even though i was making payments. To not work with a customer that is experiencing a Financial Hardship yet still trying to do the right thing.
Consumer complaint received 2021-06-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Capio Opened XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious Capio Opened XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MA)

In XX/XX/XXXXXXXX XXXX XXXX I XXXX XXXX wrote a Correspondence to all 3 Credit Reporting Agencies asking them to remove this incorrect information from my Credit Report, XXXX took the false information off their credit reporting but XXXX and EXPERIAN refuse to comply with the fair credit reporting laws, rules, and regulations of the CFPB.
Consumer complaint received 2023-07-06
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. (NV)

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2019-07-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: TD BANK US HOLDING COMPANY (MA)

I have done complaints about the fraud and financial deceit done by TD Bank here. In response to the most recant response by TD Bank I would say the following. They try to convolute and direct attention from the simple and unavoidable reality that they ( TD Bank ) fraudulently try to maximize fees and overdraft expenses with customers through the following methods. These methods are clear when you read between the lines and the diversionary information given by TD Bank in last response or namely. 

1. TD Bank still has not denied what they previously said which is that they ( TD ) process larger transactions first before processing smaller ones. This is a clear policy designed to maximize small transaction overdrafts that are more multiple. By design they try and maximize. 

2. TD Bank said that they give balances and pending information the following day. This simple and clearly says that at all times when someone either calls TD Bank, checks online or through other means the balance is likely to not be accurate. No distinction between balance, pending, and processing or basically no way to determine if costly overdraft would be used by consumer. 

3. TD Bank intentionally and with though charges annual fees and even withhold temporarily monthly interest payments during times wherein several large transactions are pending and possibly large overdraft fees. 

The above is observation from investigating and talking to many other customers that are considering a class action lawsuit against TD Bank. 

As for me now, I did a fraud dispute for over {$2000.00} in fraud card transactions that TD Basnk never addressed but lied and said they did in 2014 and TD Bank most recently received a letter I mailed to them with tracking to their fraud department and it arrived over a week ago and several days before TD Banks most recant response and they don't report it. I want answers there on the fraud transaction and recant submission I did with TD Bank.
Consumer complaint received 2021-06-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (IL)

Paypal Credit lets you open a credit line with Synchrony to use on Paypal.

I have several deferred interest charges and they never automatically apply overpayments to deferred interest balances. The only way to do it is to call them and ask them to reallocate it and if you forgot or dont ask, then it wont be done.
Consumer complaint received 2021-06-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Ablty Recvry Opened XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious Ablty Recvry Opened XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2019-07-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FEDChex Recovery, LLC (NE)

On XX/XX/XXXX I received a text message that reads : Please contact FCR regarding your account at XXXX or call XXXX. This is an attempt to collect a debt. 

I called the phone number yesterday, XX/XX/XXXX. The person I spoke to said I owe XXXX XXXX   XXXX XXXXXXXX XXXX XXXX {$930.00}. She said that the account had been submitted to a law firm ( I dont remember the name of the supposed law firm ), that was preparing to demand payment in full plus unspecified legal fees. I asked the woman to give me a phone number so that I could contact the law firm. She told me they would not speak to me. She then told me that FCR would reclaim the account from the law firm if I would agree to pay them {$150.00} per month for the next 6 months, with the first payment due immediately. 

I contacted XXXX XXXX XXXX XXXX XXXX XXXX this morning, XX/XX/XXXX, and confirmed that my account with them was paid in full years ago. I was treated by physicians there in XXXX. I also checked my credit report with XXXXXXXX. No debt collection claims against me have been submitted to any of the three major credit report companies. 

FCR is attempting to defraud me of {$930.00}.
Consumer complaint received 2021-06-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

On XX/XX/XXXX, my checking account in Bank of America received a wire in transfer ( {$6200.00} ) from XXXX XXXX 

On XX/XX/XXXX, Bank of America put a fraud hold on my checking account and I can not get access to all the money I have on my checking account ( over {$80000.00} ). 

After constant and torturing communication with Bank of America ( over 5 hours ' phonecall ), the staff in the wire fraud department from Bank of America told me that it is XXXX XXXX  that put a hold on my checking account and there is nothing they can do. 

The investigation conducted by XXXX Bank could last from 10 business days and 90 business days, during which time no money in my account can be moved. That is absurd because my checking account has over {$80000.00} and the money in that wire-in is only & XXXX. All my money is in that frozen checking account and I can not even buy groceries or uber. 

My request is that Bank of America withdraw the fraudulent hold on my checking account so that I can get access to the rest of my money or part of my money aside from {$6200.00}.
Consumer complaint received 2017-07-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

I received a summons to court for a medical bill that was past due. I had never been contacted by the company prior to them filing a judgment. Once I was aware that the accounts were placed in collections, I attempted to make payment arrangements and was notified that they are charging me interest and attorney fees and court costs. I am willing to pay the debt, but at the original amount. I want to know when they the Initial Demand Letter was sent and where it was sent because the representative XXXX XXXX said she could not tell me because there collection agency did not send it another agency did. They made no effort to fairly collect on this debt before pursuing judgment.
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion and XXXX is not reporting a accurate credit score I reached out to Transunion because XXXX is not able to pool my credit report for paid XXXX accurate scores they say it is Transunion who has a block when I called and spoke to a rep there is no type of hold no one can explain this or get it corrected so I can get accurate credit scores.
Consumer complaint received 2024-02-12
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: Experian Information Solutions Inc. (TX)

I am writing to express my frustration and disappointment with the lack of response to the disputes I submitted to XXXX, XXXX, and Experian regarding inaccurate information on my credit report. Despite providing detailed documentation and listing the violations they were making to my consumer report, it has been over 30 days, and I have yet to receive any response. 

This failure to address my concerns is unacceptable. The violations of FCRA 605 ( c ) and FDCPA 809b demonstrate a blatant disregard for consumer rights and legal obligations. 

I demand immediate action to rectify these violations and ensure that my credit report accurately reflects my credit history. Enclosed, please find copies of all letters previously sent to your agency for your review and reference. 

Failure to address this matter promptly and effectively will leave me with no choice but to pursue legal action to seek restitution for the damages caused by your agency 's negligence. 

I expect a prompt response detailing the steps taken to address and rectify the inaccuracies on my credit report.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

THE ACCOUNTS WERE TO BE DELETED OR REMOVED DUE TO THE FRUAD USED TO OPEN. WHY HAS IT REMAINED IN A CLOSED FILE YET STILL REFLECTING UNDER MY REPORT TOTALLY NOT GOOD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

On XX/XX/2019 my bill for XXXX dollars did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2023-02-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (MI)

Venmo has locked my account for zero reason, and they refuse to tell me any details on why it was frozen, and they refuse to unfreeze it. I was sent XXXX dollars for some personal items I sold, and they are holding onto it with no verbiage that Ill ever get it back. This is immoral and unethical. They need to be held accountable as they have done this to numerous other people I know and never give a reason, because I dont believe there is a reason, they want to steal peoples money.
Consumer complaint received 2021-06-15
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: CREDIT ACCEPTANCE CORPORATION (AL)

My sister bought a car XX/XX/2020 and instead of this being on her social security number its on mine with her birthday. Ive spoken to the dealership and the credit company multiple times trying to resolve this and I am having no luck. This should not be on my credit. 2 weeks prior to my sister purchasing her car I had purchased a brand new car. The dealership used my social to get my sister financed. Please help