davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pressler & Pressler, LLP (NJ)

In 2017, I had my wages garnished unfairly by Pressler & Pressler for a debt that resulted due to identity theft for {$2000.00}. Theyre very nasty people & theyre sneaky people. I went through financial hardship & I was at risk for being homeless & I was struggling to pay my other bills. They didnt care about that. Watch out for Pressler & Pressler, they have a reputation of being scum bags just look at all of the complaints against them. Im trying to do everything to recover the stolen money.
Consumer complaint received 2018-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

After finding out that Equifax had a hack into their system I tried to get their XXXX service with a credit report. I signed up on XX/XX/XXXX, but as of XX/XX/XXXX am still not able to sign in to my XXXX account. I have called 5 times, each call taking at least 30 minutes of customer service. Each time I am told that the system is busy and the technical team can not handle all the requests coming in, but in a few days my password should work. I have waited over 21 days but they still can not get me into my account, and it is NOT on my part. I have followed all their directions but they wo n't give me my Credit Report!
Consumer complaint received 2018-01-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TENET HEALTHCARE CORPORATION (GA)

I have received several phone calls from approx XX/XX/XXXX thru XX/XX/XXXXfrom in attempt to collect on a various debts that they claim I owe money for. Upon first contact they have claimed to mail out a collection letter yet I have not seen any that im aware of. 

I have requested every time that I would like verification in writing to prove that I owe the debt to this company. They have failed to do so to this date. 

I have done several disputes on my credit in attempt to remove these collection accounts from my credit and they refuse to show proof of the debts listed on my credit yet they have refused to remove them as well. 

I have also called several times over the past year on my own behalf and requested verification in writing that I owe the debt and they told me no that they did n't have to or that they could not do it for random reasons that did not make sense to me. 

Its my understanding that the law states that they have to show proof to me in writing and verify the accounts. 

The company info that is on my credit shows up as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I believe this is the same company as XXXX XXXX XXXX Along with placing 12 items on my credit some of the items they have placed are duplicate entries that have dropped my score even lower and despite several disputes they have also refused to remove the duplicate copies of the accounts on my credit as well.
Consumer complaint received 2020-07-08
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

I have an open account with citizen, I I believe that I may have been late for a payment. However I lost my job due to cove-19 pandemic and have recently started a new one. I continually am catching up. How ever I did request to citizen that the payments not be marked as late as I am paying as quickly as the funds become available to me. In addition XXXX is marked 30 days late and XXXX payment are not due until til XX/XX/XXXX. This is completely unacceptable and Id like it to be resolved in a timely manner.
Consumer complaint received 2018-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I was shocked when I reviewed my credit report and found a late payment for XXXX 2017 I am not sure how this happened. I believed that I had made my payment to you when I received my statement. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (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 2019-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

Chase United Clib MileagePlus Card In March, 2019 I responded to an offer to receive XXXX  bonus miles if I spent {$3000.00} on the card and reconciled that balance within the first 3 months of having the card. 

My application was accepted and my first billing statement was XX/XX/2019. Within the first 3 months of having the card I spent and reconciled nearly {$10000.00} of payments. 

I never received my bonus miles. 

In XX/XX/2019 I called Chase to determine why I had not received the miles. They stated that I had instead accepted an offer for the first year 's annual fee ( {$450.00} ) to be waived, an offer that I did not sign up for. 

I elevated the complaint within Chase, mentioning that I could be happy to pay the {$490.00}, but I wanted the bonus miles since that is what I signed up for. On XX/XX/2019 they sent me a letter via mail that I had signed up for the annual fee waiver and not the mileage bonus, and that my case was closed. 

I did not sign up for an annual fee waiver offer, and I would like my bonus miles.
Consumer complaint received 2017-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I pa id one of m y debts listed in my credit report by  XXXX   XXXX   XXXX  who is representing  XXXX   XXXX   XXXX  in the settlement amount of {$130.00} on  XX/XX/2017    which would close this account. I had received a letter from   XXXX    listing options to settle and I chose settling in this amount. It is still listed on my TransUnion and  XXXX  credit reports showing I owe a balance of {$130.00}.  XXXX  has a phone number on correspondence mailed to me but I 'm unable to speak to a live representative to settle this matter on my own. Also note that after sending my payment electronically I did n't receive confirmation of any kind nor further correspondence from this company. Your assistance is greatly appreciated to settle this matter with these companies. Thank you.
Consumer complaint received 2017-04-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (IL)

I filed a complaint with CFPB and the response did not address my issue. I have sent several emails to  XXXX   XXXX  regarding my missing payment from  XXXX   XXXX . I have sent over a copy of my bank statement confirming that the payment was received b y GM Financial. M y final payment should have been in  XXXX   XXXX , but I am still showing a balance of roughly {$1100.00}, which are late fees from the payment that they claim is missing. This payment is not missing ; it was received and processed by  GM Financial o n  XXXX   XXXX ,  XXXX  according to my bank statement. The responses that I am getting from  XXXX   XXXX  have been lies ; she never had a manager reach out to me to discuss this further. The remaining amount due needs to be adjusted to reflect the fact t hat I NE VER missed a payment on this loan.
Consumer complaint received 2021-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MI)

( 1 ) Is SallieMae Education leads us logo a register logo of SallieMae Mae Bank? 
( 2 ) SLM Education Loan Corp is registered to SallieMae Bank correct? 
( 3 ) The FFLEP Application and Promissory Note Consolidation dated XX/XX/XXXX has no Lender Website written. ( 4 ) So the Promissory Note was not sent to SallieMae electronically? The Promissory Note is Read Only and can become typed in only in the Lender Website? The WEB means you can only print the document from the WEB and mail in only. SallieMae has showed no evidence that the Note was sent electronically. SallieMae has only showed the document was printed from the company. There has been several articles and cases were SallieMae/Navient typed fake Promissory Notes. Navient you have given no documentation that the Promissory Note was sent electronically. The Higher Education Act requires the lender to keep an electronic record by establishing a third party to verify the signatures like XXXX  etc.? The Lender also have to keep record of the student PIN number and secret ID? Navient you have not produced any? The Higher Education Act requires all Promissory Notes to be done in the Lender Website? The website would be displayed in the upper right hand corner so the document would be able to write in a secure manner and the third party signature app. Navient I see none. You can XXXX the form XXXX NO XXXX Exp date XX/XX/XXXX ) ) and print the same form but you can not type in it? Only the lender website can make it type in and their is no lender address on the Promissory Note? That is one way makes your Promissory Note a Fake. The Higher Act requires the Lender addresses? Navient produce the signature verification app?
Consumer complaint received 2019-10-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (CA)

I have a total of 5 loans. Two are in my now deceased mother and my name, One is just in my name, and two others are in my father and my name. Since my mothers death we contacted Salle Mae and asked about if there could be in reduction due to not having an income to support the loans initially made. The total student loan debt originally was over 150k. They told us no, the did lower the interest rate for a period but what we missed was while we paid the lower interest rate they added the difference in rate to the balance. As you can imagine, that was not helpful. Since we realized they were doing this we went back to the standard rate but in order to pay these loans I have to have my father pay two of them himself because I can not afford all 5. My father is ready to retire and this over {$800.00} a month payment is extremely difficult and puts a strain on our relationship and pressure to me. He will be on a fixed income and straddled paying my debts and debts acquired when my mother and he were financially separated because I can not afford the payments on my own. When we contacted SallieMae on her death the only consideration was to remove her name from the loans and make me fully responsible ... that was not helpful. They offered no reduction and again only a temporary interest rate reduction that only added to the outstanding balance. Which I felt was pretty shady. 

I looked to refinance the loans but because they are SallieMae they are not eligible to due so. I am left with a HUGE debt that I will be saddled with for several decades if not longer. They really offer no solution that is doable to reduce these costs and I am at my wits end trying to keep up with the payments. 

These loans and the costs of them were not laid out properly to me when I was in school and I had no idea of the amount of debt and time to pay this off would be. In addition, the death of my mother whos income was over 100k prior to her death has added additional stress. SallieMae has made no solution available that does not just add to the balance and continued repayment term.
Consumer complaint received 2017-04-19
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

After 8 months of communication with Capital One and hundreds of pages of supporting documentation regarding counterfeit goods received, Capital One has declined my requests for reimbursement from the seller. Their service was pitiful and their decision incomprehensible. I will be filing other formal complaints and charges against them.
Consumer complaint received 2021-04-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (FL)

This is ridiculous I paid this not even knowing if it was a bill I owed because it was reported on my credit and it still reports as if I owe. I have disputed and it is still on there. Please help get this account removed XXXX XXXX # XXXX
Consumer complaint received 2017-04-18
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (CA)

I booked a hotel  through American Express Travels for the  amount of {$1100.00}. When I looked at the charge through my card it was well over {$1100.00} and charged in the amount of {$6600.00}. Upon further investigation, I found out that these charges were for services I did not obtain or acquire. Also I was not at the hotel at the time of check out, so I did not know what got charged. Also found out someone used a fraudulent signature to authorize these charges.     These charges should and would require receipts and or signatures, this was authorized without my consent or knowledge. I informed the front desk of not authorizing any extra services, room services, amenities, or charges to the room ...   These charges are fraudulent ... Check-out signature was fraudulent and there 's no proof of charges to the room ...     I would gladly pay for the room but not the over charges that occurred without my consent and services/products I did not receive ...
Consumer complaint received 2017-04-20
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Acceptance Solutions Group, INC (TX)

I have paid over {$1200.00} for a {$450.00} loan. They continue to call my numb er 5-6 times a day. Hang up  over and over. Call my place of employment over and over. Threaten to take legal action. This loan has been paid, more than in full. I would like the calls to stop and the debt to be placed at {$0.00} as it has been paid.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Few months ago Bank of America closed my 2nd credit card that I had with them of credit line {$14000.00} and XXXX balance ( debt ) on it, several months of keeping it debt free - XXXX balance. They also lowered my credit line on 1st credit card ending XXXX from {$14000.00} to {$6400.00}. This all happened after I called Bank of America customer service in order to check with them to see if I can get promotional balance transfer to my 2nd credit with credit line of XXXX where I wanted to consolidate my debt in one single payment and help my self to pay off things faster. Few min later lady came back on the phone and said that she will immediate close my 2nd credit card, and lower balance on the first credit card to {$6400.00} due to income debt ration. I asked her what are the proofs you have on file for my income and how truly you know how much money I make? She repeated that my cc will be closed and no questioned asked and credit line lower on the other one. I told her, after 10+ years of loyalty with you, never missed payment, never defaulted, all balanced paid off, i asked first time for the help and instead to help me out you made things even worse. After they closed cc and lower credit line to my cc, my credit score dropped so bad and hurt me very bad. I called few times after to talk to managers, they promise to call me back and never did in order to get credit line back. My intention was never to additionally spend more money using their cc and put my self in more debt. They never waned to listed to me, neither to work with me, they never gave explanation for closing my credit card except income debt ration which was totally wrong.
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave XXXX written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX Adjust XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (CO)

My loan was in deferment while in graduate school. When I spoke with a Navient representative they told me my new amount with an IDR payment plan when I reapplied would be about {$400.00}. I received an email saying my new amount due is {$560.00}. I received no paperwork/documents on what payment plan I was on and how this amount was calculated. I still have not received any of this information.   On  XXXX   XXXX  at  XXXX    XXXX   MST, I called Navient and spoke with a customer service representative and I asked her which payment plan I had been placed on and why my payment was so high . ( This is more than my Mortgage ) Sh e told me to hold. She came back and said that she did not know how the amount was calculated and that when she ran the numbers the amount should be {$300.00}. She said she would put in a request to have the amount recalculated. I still have no information about the payment plan I have been placed on and they could not provide information to me this.
Consumer complaint received 2017-04-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

One of my creditors,  XXXX   XXXX   XXXX , has submitted  XXXX  requests between  XXXX   XXXX ,   XXXX   and the present date to the  XXXX  major Credit Reporting Agencies to have the negative information on my account ending in  XXXX  removed from my credit report.  XXXX  and  XXXX  adjusted the account as requested, where Experian has not. Aside from the  XXXX  requests submitted by  XXXX   XXXX  to Experian to have this adjustment made, I 've also personally sent  7 of these 10 lett ers received from  XXXX   XXXX  to Experian along with my driver license, social security ID, birth certificate and utility bill. Along with my proof of identity and the copies of the letters, I wrote a letter asking for Experian to please make the adjustment that has been requested so many times over the last 6 months. I sent this letter in late  XXXX , another on  XXXX   XXXX  and another on  XXXX   XXXX . The response that I received from experience was that they unfortunately can not honor my request and modify the account. I 'm not understanding how this issue is still outstanding with Experian at this point and it 's hindering my ability to apply for the mortgage that my family and I desperately need. I will attach copies of as many of the letters from  XXXX   XXXX  as possible to this complaint to support my case. All I need is for Experian to make the adjustment that the creditor has requested and I will consider this issue resolved and complete.