davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CT)

I have contacted Navient on three different occasions this year ( not including my initial application ) regarding my current IBR loan payment that is causing serious financial burden. I have uploaded my income information and submitted the form requested each time only to again be told they still need my form or my income information again. 

XX/XX/2018 has been a very difficult year financially as I had major XXXX for XXXX and have been struggling to pay the medical bills that came with XXXX and at the same time pay other medical bills due to other XXXX XXXX issues. I supplied Navient with proof of loss of income for the almost 2 months and they ignored it and forced me into a forbearance rather than a financial deferment that I actually requested. To add insult the injury my loan jumped {$11000.00} plus in just one month prior to my IBR being renewed. 

The calculations that they claim are correct are not consistent with their own website when I use their online calculator to figure out what the loan would be I got different totals. The loan since this summer has been growing exponentially. Currently, there is a $ XXXX  monthly payment due that I can not pay due to the aforementioned, and I have again called and submitted additional income information, but I'm concerned that their games will negatively effect my credit in the interim. My monthly payment has never been this high in the over 10 plus years I've had the loan and with my income so low it doesn't make any sense that it should be this high.
Consumer complaint received 2018-12-28
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: Experian Information Solutions Inc. (CA)

According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX  VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED  XXXX XXXX XXXX  Account # XXXX Contact Information XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account Number # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX   XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY XXXX  XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Acciunt # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX XXXX BYMAILONLY XXXX   Account # XXXX Contact Information XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, MO XXXX BYMAILONLY XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, MO XXXX BYMAILONLY
Consumer complaint received 2018-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (VA)

I do not remember when I have opened my XXXX XXXX account in response to an advertisement or so. Since then I barely received professional business services or practice. So, I have requested to close the account few times. They have not closed it. Then, I stopped using it. Still they sent me new card before the renewal. I dumped them. I again received them in the mail following year. This time I did not destroy them, but did not use them. 

Same or following year, I used it. Again, same problem and customer service is basically a customer harassment service. Nothing works to fix their errors nor do they understand simple math. So I asked again to close the account and destroyed the cards. 

I did not follow up after that. Two years or one and a half, they sent visa card, this time this was some of XXXX subsidiary or small contractor. I do not have any idea, who applied for the XXXX card. The Old account is gone and I was needed to create a new account. 

I started using the card, about 4/5 months earlier, I received a statement showing I have interest for $ 3- {$4.00}, I did not pay them but asked why there were interest. Few days later I received an on-line response, saying I did not pay my balance in full. 

THIS CLAIM IS TOTALLY FALSE. 

I do not carry any balance, ever, and that applies to all of my credit cards! regardless the balance is {$1500.00} or {$15000.00} I have never carried balance. I always pay the balance in full. I asked for proof, no response. I then asked to close my account in writing, as attached. But no action. I the meant time that interest must have grown to 3/4 folds. I clearly declared that I am not responsible for any charges if the account is not closed. 
I have written to XXXX XXXX on XXXX18, but no action besides leaving a voice mail to call someone. If I call, after waiting for a while I have to listen to their lies. Also, I can not keep a document of what they are saying. But they would not respond in writing because their lies will be exposed. I have repeatedly asked them to close my account, please see attached. They did not close my account. I have asked for proof, no response. I have investment accounts with fidelity, I am removing them as they are no longer trusted and involved in improper business practice
Consumer complaint received 2023-09-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SunTx Capital Partners (CA)

In XX/XX/XXXX, I called the finance company to make my last payment, as I always called in my payments. I was informed that I owed {$8500.00}, which I was unaware of what that was for. My last payment was only {$1800.00}. When I asked what the {$8500.00} was for, the representative was unable to tell me what the fees were for. He simply said he did not know, and the system did not indicate what the extra amount was for. I immediately disagreed and I followed up with a second phone call in XX/XX/XXXX, wherein I spoke with a different person, and that person again was unable to tell me what the charges were for. All he was able to tell me was that it was my balance due, and I needed to pay in full. I was getting nowhere by with my phone calls in attempting to get this serious issue resolved so XX/XX/XXXX, I decided to write them an email requesting a copy of my contract and full disclosure of my account payments, fees and any miscellaneous charges. I specifically requested for them to highlight the paragraphs explaining what the extra fees were for. NO RESPONSE WAS RECEIVED. 
NO DOCUMENTS WERE EVER SENT, CONTRACT WAS NOT SENT EITHER. 
I called again in XX/XX/XXXX, and again I was told they did not know what the charges were for, I just needed to pay the balance due of {$8500.00}. I called again in XX/XX/XXXX, and XX/XX/XXXX, the story was always the same. I decided to review my credit report to find out what they were reporting and noticed that throughout the life of the loan, no payments were reported late which confirmed what I was telling them that I did not pay late so I should not have any late fees. I called the finance company again in XX/XX/XXXX, when I noticed that they started reporting late payments and their actions were causing a negative impact on my credit by causing a decline of my credit scores. When I called them, I let them know that in the four years I called in to make my monthly payments, I was never told the payment was late, nor was I told there were any late fees added to the payments. I was never told the payments were late and I NEVER received a late payment notice by email or by mail. This was the FIRST TIME I had ever heard of any fees, which was strange because they waited until I called in to make the final payment. TO DATE, I have been told I have to pay the {$8500.00} if I want them to release the TITLE for my vehicle. I have since decided to start paying on the {$8500.00} even though my auto loan has been CHARGED OFF, instead of reporting Paid as Agreed. I am unable to make the full payment as they are requesting but will continue making monthly payments until this is resolved. PLEASE HELP!
Consumer complaint received 2018-12-28
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I sent a letter to this company to remove a unauthorized inquiry that was made without my consent, nor did I receive or apply for credit with this company and they have not sent me any proof of such request and failed to respond.
Consumer complaint received 2018-12-28
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. (FL)

Previous complaint number XXXX was closed incorrectly. 
Experian claimed they needed my contact information however, all of this was provided to them through the CFPB website AND AGAIN HERE TODAY. This credit reporting agency is attempting to resolve their complaints swiftly by closing the case rather than reading the data to make their metrics look well. MEANWHILE ITS CAUSING ME TO NOT BE ABLE TO GET A HOME LOAN. RECTIFY THIS IMMEDIATELY. I HAVE BEEN DEALING WITH THIS CREDITOR FOR 2 YEARS NOW TO REMOVE THIS. I HAVE HAD ENOUGH. 

YOUR COMPLAINT A # XXXX XXXX XXXX XXXX Acct. removed from XXXX on XX/XX/XXXX for incorrectly reporting data under my name. Creditor by law must stop reporting to all credit bureau agencies. To date the creditor refuses to remove from Experian and XXXX report. 
Sent to company Status Company responded on XX/XX/XXXX Response Type Closed with explanation Company 's Response Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information that you have supplied through the CFPB portal and directly to Experian. On XX/XX/XXXX, we sent you a notice stating that in order to research your complaint, please provide your specific disputes, your full name, including middle initial ( and generation such as JR, SR, II, III ), previous addresses for the past two years, complete Social Security number and date of birth. As of XX/XX/XXXX, we have not received the requested information. Once we receive your complete identification information, we will promptly address your complaint. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you may visit : http : //www.experian.com/blogs/ask-experian. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian.
Consumer complaint received 2020-02-05
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lloyd & McDaniel, PLC (FL)

We was referred by XXXX In Florida. We file with the attorney general already. XXXX fail to do a payment arrangement. They also fail for a settlement. We asked for a settlement due to my XXXX. We haven't received notification from your office. We want to settle the account with a payment plan monthly.
Consumer complaint received 2018-12-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (WI)

On XX/XX/2018, an erroneous debt appeared on my credit file in the amount of {$120.00} for XXXX XXXX. 

I have attempted to dispute this debt with no response from Credit Management LP, and when I contacted XXXX I was told there was no history of any account with a balance. 

XXXX isn't even a cable provider where I live!
Consumer complaint received 2020-02-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: WELLS FARGO & COMPANY (MN)

I refinanced my student loans from Wells Fargo to XXXX. I was monitoring my WF account to make sure the payoff amount went through and my loan balance was XXXX. When I checked my account on XX/XX/XXXX, all of my student loan information was gone. This included all statements, 1098 's, and payment information. 

I called the technical support and I was told that all of my information was removed because the loan balance was XXXX. When I told them I had not been notified, they said they would send me my last statement. I told them that I wanted all of my loan documentation and they escalated my account to an analyst to review my request. 

My complaint is that I was not notified of these statement and tax document removals and that a consumer should not have to be escalated to the highest complaint team to receive their records. Additionally, consumers should be alerted to loan payoff 's. I have yet to receive my records.
Consumer complaint received 2024-02-08
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. (IL)

As a victim, I am writing to dispute information contained in my credit file regarding a collection that does not belongs to me. It is important to stress that under the Fair Credit Reporting Act ( FCRA ), all unverifiable and unauthorized information must be removed. It is deeply concerning that my rights have been violated by the reporting agencies, despite providing them with proper documentation, such as an FTC report, to conduct their investigation. Regrettably, I never received a follow-up regarding my request. It is crucial to note that as a credit reporting agency, you are required to maintain strict procedures to ensure that all public record information likely to have an adverse effect on a consumer is complete and up to date. You have a legal obligation to complete your investigation within XXXX  days, as permitted by law, and mail the results to me. Any failure to do so will only compound the situation and further harm my credit profile forcing me to take more drastic measures. Please be aware that your credit reporting agency is now subject to federal consumer financial laws, including the FCRA and related regulations. These laws include a ban on " abusive '' acts or practices, as outlined in Section 1031 of the Dodd-Frank Act. Therefore, I implore you to take this matter seriously and act promptly to remove this negative item from my credit file.
Consumer complaint received 2023-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear Sir/Madam : I am writing to dispute the accuracy of certain information contained in my credit report that was provided by your agency. I request that you review this information and make the necessary corrections to my credit report.XXXX XXXX Unsecured loan with account # XXXX XXXX XXXXXXXX XXXX XXXX with account # XXXX XXXX XXXX XXXX XXXX  with account # XXXX XXXX XXXXXXXX XXXX XXXX with account # XXXX XXXX  XXXX XXXX XXXX loan with account # XXXX XXXX  XXXX XXXX Installment sales contract with account # XXXX XXXXXXXX XXXX XXXX XXXX with account # XXXX XXXX XXXXXXXX XXXX XXXX with account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX with account # XXXX XXXX XXXX XXXX XXXX XXXX  with account # XXXX XXXX Telecommunications/Cellular with account # XXXX XXXX XXXX XXXX with account # XXXXXXXX XXXX XXXX XXXX XXXX with account # XXXX XXXX XXXX XXXX Credit Card with account XXXX XXXX I believe that this information is inaccurate and incomplete, and I am requesting that your agency conduct a thorough investigation into this matter in accordance with 15 USC 1681a ( 2 ) ( B ) of the Fair Credit Reporting Act.Pursuant to 15 USC 1681 ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a " credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which states, " The term " CREDIT CARD '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. '' Notice, Congress said " ANY '' card.The credit card is my social security card. This is the credit card used to originate every consumer credit transaction ON MY CREDIT REPORT. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15chapter 41 I request that you review this information and make the necessary corrections to my credit report.Additionally, I would appreciate it if you could provide me with a copy of my credit report once the investigation is complete, as provided for under the FCRA.Thank you for your attention to this matter.
Consumer complaint received 2020-08-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (OH)

I have never received any attempts from XXXX to collect a debt and haven't used them for >2 years. I received a collection notice from Convergent Outsourcing , Inc. stating I had a debt of {$37.00} from XXXX XXXX for recovery of 70 % of the debt, and I could pay 3 different ways, Online/Phone/Mail. I went online to try to pay the debt - they had me enter the account number from the letter, my last 4 of my social security number and my zip code and my last name. The website will not accept my information to " locate my account. '' When I call the phone number to try and pay, half the time they state " please call back during regular business hours '' and the other time they have a recorded message stating " there is not a representative available to take your call, goodbye. '' In short, this seems to be a phishing scam/fraudulent company that is hoping someone will just give in and mail them the check instead of verifying the debt.
Consumer complaint received 2023-06-14
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. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX  XXXX Balance : {$1100.00}
Consumer complaint received 2019-01-05
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: Revenue Assurance Professionals LLC (TN)

This company has reported on my credit without proper validation. I do not have a contract with this company. I need proof of Hipaa authorization transfer to this company and proof of signature, NOT JUST A BILL. 

Amounts : {$550.00}, {$870.00}, {$280.00}, {$290.00}
Consumer complaint received 2024-02-08
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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2020-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (TX)

I want to make a complaint on Citibank for violating CFPB laws. Citibank made a agreement with Costco resulting in my credit and finances being negatively effected because of the card services being switched from previous card servicer. Citibank carded did not honor previous card. Citibank Repeated charged extra fees making my account go over the credit limit changing my APR rate over the course of the credit card. If the card was over the limit they would recalculate my APR and not recalculate my APR when the card was under the limit. CITIBANK would add extra fees for payment if i made a payment over the phone but it took a couple of days to post. Payment was not late and they said they would take off peneltys but would add those fees to balance and not take them off and would not explain the charges. I was charged thousands in illegal charges by deceptive practices. Citibank was unwilling to offer a resolution that was fair and equitable. They choose to sell my account to a 3rd party XXXX XXXX. CITIBANK has ruined my credit and received some money from XXXX XXXX when they on information associated with my account that is false. Citibank ADMINISTRATIVE PROCEDURES File no 2018 BCFP -0003 are proof that cardholders from XXXX CITIBANK where victims of illegal practices.
Consumer complaint received 2020-12-17
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: CAPITAL ONE FINANCIAL CORPORATION (UT)

My capital one credit card offer of {$0.00} APR for 15 months the offered I accepted when I applied has been changed or modified without any notice being sent to me. The APR now is XXXXXXXX XXXX. Capital one has altered the agreement and this needs to be fixed asap!