davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (FL)

I am currently on a graduated repayment program for my Sallie Mae student loans. I usually pay around {$190.00} per month, however, I'm a little behind and currently owe {$380.00} for last month 's payment and this month 's. 

I have reached out to Sallie Mae a few times between XX/XX/XXXX and XX/XX/XXXX. Aside from reaching out to them myself, they have been calling me non-stop to get my account " current. '' Each representative I speak with basically threatens me by saying if I don't make the payment by a certain dateXXXX XXXXstthey 'll report me to the credit bureau AND drop me from the graduated repayment program. 

Aside from being threatened, here are my issues : 1. I have been financially affected by the pandemic, and Sallie Mae advertises VERY CLEARLY that their borrowers are their first priority and that they will help in any way that they can. When I called MULTIPLE TIMES for said help, the representatives told me that I have no other options. Not one person I have spoken to has put me through to someone who maybe can help or even knew what to do other than reading off their script. 

2. I'm on the graduated payment program for a reason. It's because I couldn't afford to make payments upwards of {$700.00} per month. At this point, I'd like to add that no one would help me during that time either and in order to get onto the graduated payment program, I basically had to stop making payments so the company would get scared and put me through to a resolution specialist. So, if I can barely afford to make my payment of {$190.00} right now, how am I supposed to afford $ XXXX per month if they kick me off the program? What am I supposed to do then? 

I have filed a complaint directly with Sallie Mae, but surprise, surprise, they haven't gotten back to me. I am absolutely disgusted with the way I'm being treated and with their XXXX XXXX representatives calling me to demand money and threaten my good name if I don't pay. These are unprecedented times, and my account has been in good standing for the past year and a half. It's not as if I'm just withholding moneyI 'm barely keeping up with rent and the other bills I have to pay! It's ridiculous that Sallie Mae 's only concern is driving their borrowers into the ground with debt and predatory interest rates with no life raft during times like these. 

I did my part by contacting Sallie Mae to find out what my other options are. All I needed was a little breathing room to catch up on my payments which is more than possible within the next week or two, but they don't seem to care. Pre-pandemic I was becoming more and more financially stable, and now I'm lucky if I can afford the gas for my car or groceries. What Sallie Mae is doing is criminal and someone needs to put an end to it.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION (GA)

I have three direct deposit that go into my checking account each month. I set all my bills to be paid base on those three deposit dated. I choose specific and exact dates for my bills to be paid each month. Regions Bank allows merchants to make a transaction prior to the date of my direct deposits know that funds are not yet available and it is not the date chosen by me the customer. Therefore, the account becomes overdrawn and Regions bank take {$36.00} for each transaction over drawn. I have given them lots of over draft fees. I recently set three payments for XXXX XXXX accounts with three separate payment amounts for XXXX XXXX, XXXX. I had chosen different amounts but cancel them on XXXX XXXX and XXXX. Regions bank fail to take this out of there system and deducted the cancel amounts of XXXX XXXX and XXXX along with the specific dates and amounts I wanted on XXXX XXXX, XXXX. Now they are showing my account as being {$270.00} and more overdrawn with their OD ( overdraft fees ) and will not fix their errors, nor respond to over five different compose emails of inquiries by me about this matter since XXXX, and today is XXXX.
Consumer complaint received 2020-12-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (NV)

On XXXX, I received an email from my American Express Bluebird account/card stating the following during a recent review of your account, you are in violation of section : 22D. Your account is locked and suspended. I called the number on the email : XXXX, and the lady told me she can not help that I have to write a letter. This makes absolutely no sense. I have been using the account for 9yrs and I have direct deposit twice a month. I have never had an issue with this bank but now this. I have a direct deposit going in on XX/XX/10 and my work can not stop it in time. Please help. Also, I can not even log into my account. It keeps giving me an error.
Consumer complaint received 2017-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

I am involved in a court case and needed a copy of checks written on my account from Citibank. I asked the bank to send me the copies of the cancelled checks. My attorney also subpoenaed a copy of my bank records. However the checks I received did not match up with the records my attorney received. They were the same account but different amount on the checks. When i asked a local branch manager ( XXXX ) she said she would look into the matter for me. She never got back to me. When I went into the branch again later, I met with an area VP XXXX, he also said he would look into the situation and we scheduled an appointment for the following week. The day before the scheduled appointment he called and cancelled the meeting stating he was not going to be in town and had to reschedule. We rescheduled the meeting for Wednesday XXXX XXXX at XXXX. An hour before the appointment his assistant called and cancelled the appointment stating he mailed me a copy of what his findings were and how to proceed. I have to this date not received anything and have been unable to reach him
Consumer complaint received 2020-04-24
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. (FL)

XX/XX/XXXX - XXXX  from XXXX  school XX/XX/XXXX - entered XXXX  program XX/XX/XXXX - requested that federal student loans be placed in forbearance for duration of XXXX  program XXXX  XXXX - received emails stating loans were 90 days delinquent and credit score dropped from XXXX to XXXX - contacted student loan servicer and student loans had not been placed in forbearance when first requested in XXXX - student loans were then placed into retroactive forbearance for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - student loans remained in forbearance until completion of XXXX  XX/XX/XXXX - began dispute with XXXX  XXXX Equifax and XXXX  credit reporting agencies - disputes were completed and inaccurate 90 day delinquency WAS NOT removed from credit report, inaccurate information remains on credit reports - information was not removed despite updated documentation showing loans were placed in forbearance by student loan servicer dating to XX/XX/XXXX XX/XX/XXXX - submitted direct credit dispute to student loan servicer - reopened credit dispute with XXXX  and submitted updated documentation ; no resolution and inaccurate information stating 90 day delinquency remains on credit report - Equifax XXXX unable to login to system, requested new password information and no email was received despite multiple attempts to reset password - XXXX  XXXX unable to login to system on multiple days and multiple attempts
Consumer complaint received 2020-04-24
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I am filing this complaint because the bureaus have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have passed the initial thirty day mark, and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA, they are required to .... " Promptly delete all information which that can not be verified '', that I have disputed. Please resolve this matter as soon as possible. Thank you!
Consumer complaint received 2017-09-21
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

I am writing with a complaint against Toyota Financial Services for unfair business practices. In XX/XX/XXXX, I leased a vehicle from Toyota for three years, and in XX/XX/XXXXI opted to return the leased vehicle to Toyota. The vehicle was in excellent condition, with just minor wear and tear. I was very upset when I received a bill in the mail from Toyota Financial Services in the amount of {$2900.00} for excessive wear and use, excessive mileage, and a disposition fee. I do not agree with the charges, as the vehicle is in excellent working condition, but Toyota Financial Services has refused to waive or reduce them. I furthermore do not have the money to pay them, but I do not want this listed as a bad debt on my otherwise excellent credit. Thank you in advance for whatever assistance you can provide.
Consumer complaint received 2017-09-21
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. (TX)

Equifax did n't properly protect my personal information. This security breach is well known but I want to make it clear that it was extremely inappropriate and preventable. Almost as bad is Equifax 's subsequent handling of the matter from a victim-experience perspective. They changed their domain name for handling the fallout. They broadcasted the wrong name via XXXX to a phishing site. The page that solicits me to try to rectify the problem expects me to agree to terms of service on _a page that does n't work_, so I ca n't read the terms of service. The links to the terms of service are also shady because they link to PHP scripts.
Consumer complaint received 2021-09-22
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. (FL)

I have sent multiple disputes and XXXX is still reporting inaccurate information. I was not sent proper validation upon request. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. XXXX XXXX XXXX has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of XXXX XXXX XXXX. XXXX XXXX XXXX is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
Consumer complaint received 2020-07-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

Commonwealth Financial Systems XXXX XXXX XXXX XXXX XXXX PA XXXX : ( XXXX ) XXXX continues to report a medical collections of {$560.00} and provided the original creditor of XXXX   XXXX XXXX. I have several emails with a representative from XXXX XXXX XXXX stating that they do not have my information in their system and this debt does not belong to me. XXXX  has removed this collections account, however ; XXXX  continues to report this debt.
Consumer complaint received 2021-09-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation (NC)

I have been with Bridgecrest since 2017. I have paid over XXXX towards a 10 year old car. I am upside down and offered to pay them XXXX additional on the loan and company refused. They stated they don't do settlements. My payments are current and the car is not the best. I got approved for another loan. It is sad how a company shows no interest in helping their customers.
Consumer complaint received 2020-07-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (ND)

I have been making my payments on time and have the bank statements to prove that the loan payments are being made and on time. It is an automatic with drawl payment from my account to them. The finance company is EXETER and XXXX XXXX where I bought my vehicle is the ones who got me financing through that company. I was greeted by a tow truck operator at home today as he let me get my personal belongings out of the vehicle because I was informed he was repossessing it for no payment. The tow truck operator informed me as well that half of his inpound lot is full of vehicles from this company for the same reasons of people making their payments and having proof yet their vehicles are being repossessed. The company told me when I called them that they would have to wait for the paper work from the towing company before they could update records and let me have my vehicle back even though I sent them my banking records showing them that the payments were made to them. 

This cant be right or legal to do to a customer. I have 4 kids and needing to get to the store and errands ran as well as to their perspective locations. And now here I sit as a single mother with no vehicle because I was trying to do the right thing and make payments on time. Please help so no-one else has to go through these same issues.
Consumer complaint received 2022-04-07
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: BARCLAYS BANK DELAWARE (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX DOB : XX/XX/XXXX Consumer Financial Protection Bureau po box 27170 Washington, DC 20038 XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX RE : Demand for Removal of Errors on Credit Report COMPLAINT ID XXXX Re : Notice of Dispute Pursuant to section 611 ( a ) of the Fair Credit Reporting Act Section 168 of FCRA law ( s ) info on the report does NOT match my reports.

I demand this item to be DELETED from my credit report ASAP BARCLAYS BANK DELAWARE - Partial Acct # XXXX XXXX XXXX Report # XXXX for XX/XX/XXXX Report # XXXX for XX/XX/XXXX XXXX XXXX Report # XXXX for XX/XX/XXXX Report # XXXX for XX/XX/XXXX Under Section 168 FCRA this Account Number # XXXX does not match my records nor the original creditors ' records to what reflects on my credit card and statement, therefore this item MUST be DELETED under this law. 

My consumer report is extremely valuable to me, and I wish to advise you that willful non-compliance is a violation of Section 168 of the Fair Credit Reporting Act. I assume 30 days is a reasonable time for your investigation. After your investigation, please provide me with an updated credit report as well as the name, addresses, and telephone numbers of the individuals that have been contacted. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Looking at my credit report after my identity has been compromised some time ago I've noticed many accounts inwhich I have absolutely any knowledge of, so big and some small but I'm still taking the same steps in removing and recovering them all. These reporting unverified items I'm disputing and asking for physical documentation for each. Documentation that will afford me physical evidence as stated in the FCRA literature. I want to know who, when, and where investigated these following accounts and I'm requesting an updated correct report. Items in dispute and requesting to block from report if not supported by physical and tangible documentation. 
1 ) XXXX XXXX XXXX {$55.00} 2 ) XXXX XXXX XXXX   {$530.00} 3 ) XXXX XXXX {$490.00} 4 ) XXXX XXXX {$370.00} 5 )  XXXX XXXX {$500.00} 6 ) XXXX XXXX XXXX {$3.00} 7 )  XXXX XXXX XXXX XXXX {$220.00} 8 ) XXXX XXXX XXXX {$200.00} 9 ) XXXX XXXX XXXX {$530.00} 10 ) XXXX XXXX XXXX XXXX {$370.00} 11 ) XXXX XXXX XXXX $ XXXX 12 ) XXXX XXXX {$200.00}, {$490.00} 13 ) XXXX XXXX XXXX  {$2.00} 14 ) XXXX XXXX {$510.00} 15 ) XXXX  {$0.00} 16 ) XXXX XXXX {$0.00} 17 ) XXXX XXXXXXXX {$0.00}
Consumer complaint received 2019-05-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

XXXX XXXX XXXX XXXX is reporting an account inaccurately on my credit report. Besides the point that this is not my account and that my social security number is not the one on this account, the opening date of this account is not accurate. XXXX XXXX states on XXXX and XXXX credit report that this account is open on XX/XX/XXXX. If this is true why do I have documentation that there was a balance on XX/XX/XXXX. This account was verified by the Original Creditor, Capitol One, to be opened in XXXX back in XXXX when I first got the call of this account by Capitol One. For this if this account was opened in XXXX or XXXX then it would be fraud and falsely to say it was opened in XXXX just to keep it on my credit report and keep harassing me with letters and phone calls. I am working with all credit companies for it just showed up on my XXXX  again since XXXX when it was first reported. I have documentation that they keep sending and harassing me with.
Consumer complaint received 2022-08-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (CO)

I was a US Bank customer for more than 20years. When I went into the XXXX XXXX bank branch to close the account, I was told by XXXX the manager that I had a {$5000.00} loan linked to my account. I had never taken out a loan or credit of any type or amount from US Bank so I immediately told him it was fraudulent. XXXX became visibly angry and threatened me saying, " If you don't pay I will personally ruin your credit '', and started yelling at me to " get out ''. This was the most horrible and shocking treatment after being a customer for so long. I went to another branch and asked to see the the signed loan contract. The manager I spoke with admitted that it did not exist, and the loan was created by a US Bank employee without my knowledge, consent, or signature.. They had been deducting charges and charging me interest and late fees on a loan that was fraudulent. The manager told me she knew who the employee was who created the fraudulent loan. This is illegal and should be stopped.
Consumer complaint received 2020-10-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Dear Consumer Financial Protection Bureau : I was sued in small claims court by XXXX  XXXX and went to court on XX/XX/XXXX. The collection agency that took me to court was Atty. XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX claimed I opened an account with them on XX/XX/XXXX and paid perfectly until XX/XX/XXXX. I filed bankruptcy in XXXX and all credit card accounts including XXXX XXXX was discharged in Chapter XXXX bankruptcy on XXXX of XXXX. There was no way that four months later after Chapter XXXX discharge XXXX XXXX nor would any other credit card company extend me any credit let alone a high balance of over {$7600.00}, which they stated I owed. I went and filed an identity theft report with The XXXX police department to have them investigate if anyone was using my identity because the Collection Agency insisted this was a new account opened and I know I did not do it. I presented all evidence in court and the Collection agency presented their evidence. The judge agreed with me that there was no evidence that this was a new account and the collection agency could not present a contract, any receipts or evidence of payments from me during the XXXX XXXX time period that I supposedly paid on the account. The judge dismissed the case and asked that the case be removed from the docket of the Court and all cost incurred be taxed against XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX, XXXX removed the Collection Account from my credit report and XXXX XXXX closed the account and removed the negative account from my credit report.

The Problem I am having is with the Collection agency Portfolio Recovery, LLC. Without any notification or opportunity to present my information to dispute the validity of the debt, Portfolio Recovery has put this old collections account, which has run the statute of limitations, been ordered removed from my Credit Bureau report in court, back on my report showing the account opened in XX/XX/XXXX. I have written the three Credit Bureaus on several occasions asking that this account be removed. I have sent a copy of the Judges order and even asked how a Collection company can collect on an account that has been removed from my Credit Report by the original creditor, has inaccurate dates, be allowed to remain on my Credit Bureau files. I am repeatedly told by the Credit Bureaus, that the account has been verified. Please help me with this issue. It is causing me harm and disqualifying me from promotions on my job and all types of credit rejections all because this rogue company feels they can just take advantage of the consumer and violate the Fair Credit Reporting Act. I had never heard of Portfolio Recovery until they showed up on my Credit Bureau reports, which I went to court and did all I could to take care of.