davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I received a loan in XXXX through Sallie Mae for XXXX dollars for the XXXX program. My XXXX co-signed for me to get this loan. 

I have had it deferred and also have paid. In total I have paid XXXX and my loan amount has actually gone UP. I now have a balance of XXXX. Now that sallie mae is under Navient I have tried to talk to them last year and have gotten nowhere. The payments I made last year have only gone to interest. Also my XXXX who co-signed the loan is not showing on he loan at all anymore. I dont know how you can take someone off a loan but I didnt do that so with how things are being handled there is something suspicious and fraudulent going on. I am struggling to understand what I can do since there is no help for private loans. I have contacted legal services and there are similar cases to mine but I do not have the money to pay an attorney to fight this. I have attached my payment history. Navient has a class action lawsuit against them and I have contacted them via phone and email for the class action case but no update.
Consumer complaint received 2018-08-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Money was stolen from our checking and savings account by hackers making unauthorized ACH transfers from our accounts. We immediately went to our bank to start reporting and claims processing. Bank employees provided conflicting information and advice with regard to next steps. When we provided the bank with information on a similar hack that took place at their bank in another state, within the same time frame as ours, they failed to respond to requests from us for additional information, and would not put us in contact with their cyber security team to facilitate a full investigation. Multiple attempts to reach them on our own failed. The unauthorized transfers from our accounts total more than {$50000.00} to date
Consumer complaint received 2021-09-08
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CNG FINANCIAL CORPORATION (CA)

On XX/XX/2021, XXXX XXXX XXXX XXXX withdrew {$500.00} from my acct related to the Check n Go payday loan. I believe that I was scammed because the {$500.00} has not been applied to my payday loan.
Consumer complaint received 2019-01-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC. (NY)

My father XXXX XXXX had an account with Sun Trust Bank. He passed away on XX/XX/XXXX. I was listed as POD on his account. On XX/XX/XXXX I tried to see how much was in his account online to see if he had money to pay for cremation. Somehow, Suntrust banks ' online system allowed to create a second account in his name with all the money moved to it. I reached out to Ms. XXXX XXXX at the XXXX XXXX XXXX to enquire how to solve this problem. She instructed me to send a certified copy of death certificate and notarized letter to Sun Trust in XXXX XXXX VA. The bank received it on the XXXX of XXXX. I was assigned a client advocate, Mr XXXX XXXX, number XXXX, who is tasked with resolving this. He stated that because it's fraud, I have to come to Maryland ( which is the closet branch of bank ) and deal with it in person. I told him, I live in XXXX, do not own a car and do not have the money or resources to get there. All I am asking for is for someone to help me close my father 's account so I can pay for cremation. It's now XX/XX/XXXX and Sun Trust Bank is still holding my dead father 's money. I need help to get this resolved. PLEASE
Consumer complaint received 2018-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (CA)

In XX/XX/XXXX I cancelled my Auto Insurance Policy with XXXX and obtained XXXX as my auto insurance holder. XXXX was notified of the cancellation and indicated no charges were pending. In XX/XX/XXXX, I became aware a collection was placed in my name through the credit reporting agencies indicating a balance of {$380.00} was owed to XXXX. The collection agency is XXXX XXXX   XXXX ( XXXX ) based in XXXX, MA. I contacted XXXX on XXXX XX/XX/XXXX and spoke with a representative who indicated if I provided proof of coverage prior to XX/XX/XXXX, the charge would be removed. XXXX provided a XXXX Page indicating auto coverage began in XX/XX/XXXX. This information was passed to XXXX who replied to me via e-mail on XXXX XX/XX/XXXX that the charge was dismissed and the collection would be removed. I noted the collection was removed in XX/XX/XXXX only to return XXXX months later. I became aware the collection had returned after seeking financing on a purchase. I contacted XXXX XXXX XXXX on XXXX XX/XX/XXXX and provided copies of the e-mail correspondence with XXXX dated on XXXX and XXXX XX/XX/XXXX. Their representative indicated the information was insufficient and requested the XXXX XXXX Page. I submitted the XXXX XXXX Page on XXXX XX/XX/XXXX. It is apparent through conversation with the XXXX representatives they did not regularly check the status of this collection to see a zero balance reported by XXXX. I initiated a conference call with XXXX and XXXX on XXXX XX/XX/XXXX to resolve the issue, but the XXXX representative and the Supervisor of that representative were resistant to make changes to the account even though overwhelming evidence was directly at their fingertips and the XXXX   representative stated no pending balance was due to XXXX.
Consumer complaint received 2018-08-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: COMMUNITY CHOICE FINANCIAL, INC. (AL)

I was contacted on XX/XX/XXXX along with three family members from XXXX XXXX XXXX XXXX XXXX-XXXX-XXXX-XXXX regarding some claim. I contacted on XX/XX/XXXX and spoke with XXXX trying to obtain further information regarding said claim and to probe as to the continuous harassing calls family members have been receiving. When I attempted to probe about steps to validate debt and receiving documentation I was advised by XXXX I would have to reach out to the original debtor who will then forward me back to XXXX. 

I spoke with XXXX XXXX on XX/XX/XXXX and simply asked for validation of debt and requested for paper documentation regarding debt. XXXX became abusive in language and began accusing me for owing this debt, stated that information on my credit report reflects a great amount of judgements against me and that I don't pay my debt and that I was going to court and to jail regarding this matter. I attempted several times to request documentation regarding debt as this is the first time I have been made aware of any debt that was owed and not fully paid back. I was not able to receive any information regarding debt as XXXX XXXX attempts were to have me acknowledge debt. I have no clue who this person is and I didn't feel comfortable verifying anything over the phone without first understanding the origin of debt, amount owed and what debt was for. 

I have requested two times today during my phone calls to utilize the stop calling option regarding my family members being called repeatedly during the last two days. 

I was unable to receiving any information regarding the debt and was not provided with any resolve to obtain debt information to have resolved. I also explained that I was part of a fraud alert and as a result I will not verify payment over a phone if I have no idea whom I am speaking with. 

XXXX hung up and threatened to sue and press charges regarding debt.
Consumer complaint received 2018-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

It is my understanding that you are the regulatory federal agency overseeing the XXXX credit bureau 's. In that role, why has Equifax been allowed to skip out on any responsibility for the data breach XXXX. XXXX??? I paid for a freeze through XXXX and I now contacted XXXX - they want to charge {$5.00} per freeze plus {$5.00} each time you lift the freeze, etc., etc ... ... ... ... ... ... ..this is all due to the vulnerable position we have been put in because of the carelessness of Equifax. My understanding was they were instituting a remedial action or some sort of 'tool ' FREE OF CHARGE to institute a freeze and lift it AT WILL that would work for all three agencies ... ... I find instead, they did nothing and I will have to pay another charge ... ... ... why? They caused the problem - they should pay for the solution - what has your agency put in place to take care of this problem that Equifax caused. We are shopping for a car ... ... entailing credit reports - what is your position? What has your agency enforced with Equifax to remedy this situation. Please let me know.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2018-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have reached out to XXXX on 4 separate occasions via mail : XX/XX/XXXX -- advised that the information being reported was unverified/ asked for Master Promissory Note XX/XX/XXXX -- advised that the information being reported was unverified/ asked for MPN XX/XX/XXXX -- advised XXXX that the MPN that was provided was not for the University of the loan that they stated they were servicing. Also advised that the dates of disbursements were not a time that I was enrolled in a University. I asked that the account be removed as it was unverified.
Consumer complaint received 2018-08-28
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: AES/PHEAA (SC)

These student loans were disputed and removed from my credit report years ago. They were placed on my credit report without any type of notice. All my credit cards have been closed because my credit is score dropped because of a student loan being charged off. I need to see the contract bearing signatures of the alleged debt. 
Fair credit act state that inaccurate information on a consumers report must be removed. Please delete ASAP. 
The student loans by XXXX XXXX were removed because of federal issues and they were charging more money to students and collecting money.
Consumer complaint received 2022-07-25
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2018-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (AZ)

In XX/XX/XXXX I got Americanexpress card. The offer was XXXX bonus points if XXXX dollars spent in 90 days. I spent more than 1000 dollars. Still bonus not given. When I enquired on XX/XX/XXXX no bonus given. I enquired today also no bonus given,
Consumer complaint received 2018-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc. (AL)

I have a car loan through GM Financial and I had been paying my car note on time every since XXXX around XXXX I was in a hardship up until XXXX when I missed a payment and they have contacted me. During the conversation, I told them that I notice that they haven't been reporting my on time payments to credit bureau. She said yes we haven't because we been having a problem with our system and we just got a new one it will start reporting now. I said so there's nothing you can't do about it but instead they continued to call me on a daily basis and also have put a late payment on my credit. During the time I was paying on time they wasn't reporting. Also last year I had a back injury and haven't been back to work as of today. They gave me a defarament and didn't take off the late fees in which I was told that the late fees isn't included in that when I spoke with them in XXXX, but I was told that I would have to pay partial of my carnote in XXXX and it would push everything toward the end of my balance but it didn't. I feel like my rights was violated due to not reporting to the credit bureau until I missed a payment was unlawfully.
Consumer complaint received 2018-04-04
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Motolease, LLC ()

Ok. I got the bike out of state in Texas XXXX a XXXX XXXX XXXX XXXX. Finance the finance turned into a lease Motoleaseing in XXXX which I not to good on i never lease before It took almost two months to get the bike to XXXX and soon it get here they call few days later for the note. They call on the phone and email me just the signed paper. but I had not written paper just in my phone so some of the stuff i didn't know. They told me about it before they print it and they left out a few thing. And I had to ask for it. The bike was here but not paperwork or leasing paper when delivered to me. Just paper from Texas the deal turn out shady at the end. Like the GPS they told me to make the deal work I have to agree to it. But they never told me on the phone i had to pay for it 800 plus for it. They email me the contact and its was there. So when the bike get to me my rent went up I didn't have any idea that was going to happend. So I call to tell them ask to reduce my payments some so i can make them without struggling my payment is XXXX for a used bike with 98400 miles on it no warranty manager special They didn't serviceonly checked to make sure it runs and switch gear that was it I called them on it. I was leaking oil out the craburater engine comes off and on. My credit wasn't good. But I had money down for them. The Bike was 8000 plus now done it became 10000 plus and 1300 plus at the end. I pay late behind rent but they get they money. They call me a work and I told them not to call after XXXX and we can talk. But no they call me back to back and just hold the phone. They done that a lot to where my boss questions me about and warned me. I feel they should work with me plus I think the bike is no good to.
Consumer complaint received 2018-08-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (PA)

I just learned that this is ILLEGAL in Pennsylvania. My interest rate is phenomenal and paying it off is killing me. Is there any recourse as it is ILLEGAL to recuperate the monies I have paid in to them over the past year+?
Consumer complaint received 2018-08-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: WELLS FARGO & COMPANY (MN)

My student loan was with Wells Fargo starting in XX/XX/XXXX. My story about dealing with Wells Fargo is long and troublesome, but in short, suffice it to say I could never get the same answer. 

At the time I was working full time ( and part time in the XXXX XXXX reserves ). In XX/XX/XXXX I lost 33 % of my income and had just discovered I owed back taxes. When deferment ran out I was unable to make full payments. Wells Fargo refused anything but full payment. The IRS and XXXX warned their payments take priority. 

Wells Fargo finally charged off the account, offering settlements. Since I gave ever last XXXX of savings to the IRS, I told them I just want to make partial payments for now and then payments in full when I can. Again, they refused and did so each time after. They demanded payment in full, around $ XXXX. 

Before I XXXX in XXXX and knowing I would have my security clearance renewal, which this would jam me up for, I contacted Wells Fargo and offered again to set up payments and told them I will seek tort relief if I lose my reserves job because they refused to set up a payment plan. They again refused. 

When I returned from XXXX I was one more tax return away from paying the IRS in full. Before I could call them they called me back and offered settlement. I told them all I ever wanted to do is meet my obligation to my original contract. I couldn't do that at first but then I could. It was early in XX/XX/XXXX. 

They accepted and I've been making those payments monthly ever since.However, my credit report doesn't show I'm making payments and merely continues to show charge off each month. Every time I do anything requiring a credit check - including employment ( which I was denied consequently ), I have to explain this. 

I contacted an attorney ( XXXX, XXXX and XXXX, XXXX ) and sent them a letter, and also challenged their reporting at the credit bureau. 

All I want is for my credit report to show I have been making payments never late since XX/XX/XXXX. Wells Fargo refuses.
Consumer complaint received 2018-08-28
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. (LA)

I Sent several letters to XXXX and Experian stating that I did not owe XXXX or XXXX XXXX Hospital XXXX dollars. I disputed the debt and I requested that XXXX and Experian investigate the matter and remove off my credit. I requested a copy of the application and any documents with my signature to validate the debt. I have sent letters but did not get any responses to my request. NOTHING. This has been going on for more the 5 months. 

1 ) They failed to respond within 30 days ( it has been more than 5 months ) 2 ) They failed to provide any documentation ; 3 ) XXXX gave me at of Service date of XX/XX/XXXX ( 6 ) yrs old beyond the state of Louisiana ( 3 ) year statue of limitation 4 ) XXXX XXXX XXXX Hospital is closed down since XXXX XXXX ) XXXX does not Respect the Law
Consumer complaint received 2018-08-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MN)

I attended college and within a few years was working for the XXXX of MN. After several years of government employment it was made aware by the State that student loans could qualify for PSLF. I applied and was surprised to learn i really only had two option for repayment under this plan.. each option would increase my payment by 300 %?? I have been working for the XXXX for 10 years and repaying with standard repayment. I requested on several occasions a " credit '' of some sort for the past 10 years of public service from XXXX XXXX. The response was no credit and i needed to change my payment ot income based thus increasing my payment again by 300 % and not paying the loan off any sooner ... feeling scammed by a " public service '' for my public service ...
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AR)

XXXX XXXX XXXX XXXX XXXX to report it as student loan being closed. Either XXXX payment or {$5000.00} payment I only owe for student loan I borrow to help me finish my career in music. Which I was unsuccessful complete it with music degree. XXXX XXXX XXXX and XXXX XXXX. {$2500.00} each by both Colleges. My XXXX  didn't have the funds to put me through college. Also had my XXXX depending on me to support them through school. I feel that I am being discriminated against because of my XXXX XXXX and XXXX. My XXXX was there financially to support me through high school and college. But I was there for my XXXX financially to support them through schools. That difference between XXXX XXXX my XXXX By preventing from being equal.
Consumer complaint received 2019-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Called Capital One on XX/XX/19 to discuss the credit card limit on the XXXX  and Platinum card accounts. Was told by one rep that he was transferring me to the dept that would manually review my accounts for more credit limit. After being transferred numerous times and placed on hold for over 1 hour, was told that manually reviewing an account is not an option. Called on XX/XX/19 and spoke to an account specialist that refused to begin an investigation process of why one rep said that the account would be manually reviewed and another stated this was not an option.