davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-10
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: TRANSWORLD SYSTEMS INC (PA)

I was accepted into XXXX University XXXX XXXX XXXX XXXX program in XX/XX/XXXX. I successfully completed the program, however decided not to attend and instead apply to XXXX. I chose this route after learning that the facts that XXXX promoted about their graduates obtaining American XXXX were not true, and I did not want to jeopardize my future career. In order to pay for my tuition I had to take out a private loan. I applied for a XXXX XXXX XXXX loan which I was approved for, however when I informed the registrar department about my loan servicer, they encouraged me to instead take out a loan with XXXX student loans. They informed me that they had a very good relationship with this loan provider and how they disperse funds very expedient. They also told me that if my XXXX loan does not get dispersed before the end of the week, they will drop me from my classes. Out of fear of losing my spot in the program I did apply for the XXXX loan. XXXX filed for bankruptcy and I received no paperwork about my loans for years ; not until I graduated from XXXX school in XX/XX/XXXX I received correspondence. At that point my student loan had doubled in amount due to the high interest rates. However, this loan has exponentially increased compared to my other student loans. I feel like i was coerced by the registrar department at XXXX to take out this loan which is now 3x the amount. If I had gone with my original loan servicer, my balance would not be as high. I am still in XXXX and my loans are in deferment for atleast another 2 years. From investigating I have also learnt that XXXX now offers a money back guarantee for their XXXX program. I was looking for some guidance on what to do in a situation like this.
Consumer complaint received 2021-09-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PulteGroup, Inc. (TX)

XX/XX/2018 I engaged in a consumer credit transaction. With Pulte for an alleged mortgage loan. As a consumer this was a violation of my rights and fraudulent on Pulte behalf due to them not being able to loan money and only borrow pursuant to 12 USC 1431. Pulte required finance charges in said alleged loan that did not include insurance premiums and still required a cash payment at closing which violates 15 USC 1605. Beginning XX/XX/2018 I began receiving notices from XXXX XXXX stating my alleged mortgage had been sold by Pulte. I had not consented to my information being transferred and this is a violation of my rights and identity theft on their behalf.
Consumer complaint received 2020-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OR)

I deposited some checks onto my checking account and had to wait a whole week while it cleared well now that it cleared chase will not release me my money that i worked hard for and i have a XXXX  baby and ineed to feed and support but how am i supposed to do that if some insensitive banker is giving me a hard time with my account, i already waited week for hold to clear and still dont let me get my .money that is already in my account
Consumer complaint received 2020-11-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: JPMORGAN CHASE & CO. (IL)

I was paying monthly and then all of a sudden istopped getting alerts information about my loan I believe I was having issues with the electronic devices Ive been using however I was paying every month and I would like to continue doing that I have a private loan and I have been paying so I need some information.
Consumer complaint received 2020-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

upon checking my credit report i realized there is a company trying to collect over XXXX dollars from me i dont know who this company is i haved tried numerous of time to contact them but no luck to my knowledge i have never signed a contract with them in person nor electronically with them nor any of there affilliates
Consumer complaint received 2020-10-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

I applied online to my bank Chase for a refinance and payout of some equity still maintaining roughly 20 percent at least in home equity. I was informed of new rules put in place recently that no money would be lent unless a credit score of XXXX  and 18 months of liquid assets ( in their accounts ) to make the new payment. Obviously this requirement only allows the wealthy and not the middleclass or poor to borrow from this bank anymore.
Consumer complaint received 2017-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

Navient is my loan servicer. I say mine because it is under false information. I made inquiries several times about the Parent Plus Loan I took out so my daughter could get a decent education because she was young and they would not provide one to her. I felt like I was lied to and strong armed into taking the loan. No other place to turn to and wanted my daughter not to worry about it I have found myself in {$80000.00} debt for my daughter 's education. I was told several times that the Parent Plus Loan may be  consolidated into her name once she graduates so she can build credit and the I would not be responsible for the loan. Only to find out that I ca n't do anything with this loan but have it weigh me down in my XXXX 's and I have XXXX other  children that I probably wo n't be able to qualify for loans now because I was always told we could put it in my daughter 's name. Now, what do I do??? I have tried talking to several people over there and they are so rude and not understanding at all. When I was almost in tears about all this debt ... I literally could tell the Representative was talking to another agent and basically laughing at my situation. My back is up against the wall and would like to find out how I can be included in this lawsuit because the information I received was wrong and was given to me just so I would take out all these loans. What has America come to that I have to struggle this much just to put my daughter through school. The deceit and disappointment I feel in our system is enormous and has put me in a deep and sour mood towards our government and the fair Consumer Act. I was not only treated unfairly, but was deceived into taking out this loan that I thought could be eventually in her name, and lastly is the whole system. Every other loan can be either be forgiven or put in a income based repayment plan but the parent plus loan is always excluded. I feel like I am being punished because I signed a loan so my daughter could better herself and get a career because she could not qualify for a loan. I should never of been qualified with my credit. They took advantage of me and I want to file a claim against Navient, the Federal Loan system, and the whole college loan crooks that pray on good and decent citizens that will never be able to get out from under these loans.
Consumer complaint received 2020-07-30
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. (NY)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OR)

XXXX XXXX  issued me a card to buy a XXXX phone. I got the credit in XX/XX/2018. I paid as agreed and used their system to pay my account in full in XX/XX/1019. But then months later they said I owed them {$18.00}. This hit my credit with almost an 80 point drop. 

XXXX
Consumer complaint received 2017-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IL)

{$39000.00} in consolidated loans effective XXXX. Fixed rate 7.625 %. Repayment started XXXX XXXX at approximately {$250.00} per month, will end in XXXX @ {$880.00} per month. Majority of all payments through first 6 years were applied to interest only. Application of payments to principal & interest inconsistent for entire repayment period. Total payments to date exceed {$64000.00}. {$44000.00} has been applied to interest, {$20000.00} applied to principal. Remaining principal balance is XXXX {$22000.00}.
Consumer complaint received 2021-02-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CO)

Subject : Request for CFPB Assistance RE : Freeze Credit Reporting Under the Fair Credit Reporting Act, I submit the following complaint against Experian for violating the FCRA. 

Problem : In late 2020, I filed a formal XXXX  complaint against Experian [ ID number is XXXX  ] for various violations of the Privacy Act associated with their Experian boost program. Since that time, Experian decided to retaliate for the XXXX complaint with a unilateral and arbitrary action declaring that my entire credit was Frozen Due to Federal Legislation. Furthermore, they have refused to update my credit report, accept my online disputes and most recently denied access to the Experian website altogether by and through their support service.. Experian is now violating my Consumer Protection and Consumer Credit Rights under Colorado and Federal statutes by freezing access to my credit history in a deliberation effort to deny credit. In order words, Experian has taken serious steps to deny complete access to all of my credit accounts. They also have reported inaccurate FICO scores for me and my wife which have been also disputed without success. 

I have reported their actions to the various financial institutions reporting to Experience who also have noticed that both my wife and my accounts were frozen or simply not update in accurate financial data. Enclosed attached is a Credit Bureau Report clearly shows that the file frozen to federal legislation statement. 

My Concerns : I believe because Experian is refusing to accept responsibility for the earlier XXXX complaint ( ID number is XXXX ), they have now taken steps to adversely impact our credit file, access to the credit file and accurately reporting FICO scores to creditors and financial institutions. It is this very reason ; I filled a formal complaint with the CFPB and continue to seek a just and fair remedy. Until Experian fixes these problems and provide a full accounting for their action, this complaint remains unchanged. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (PA)

Huntington bank in XXXX, OHIO. 
Their stupid atm is not working. I drove 50 miles out of the way to get there to deposit cash. The atm said " this can not be completed at this time '', I tried 3 times!!

No deposit could be done, it did not even ask if you were depositing cash or check.

And their drive up atm is loaded with a ton of spiders and stink bugs!!! TONS OF SPIDER WEBS AND ON THE LIGHT FIXTURES OUTSIDE, AND SOME WENT IN MY CAR!!!!

DISGUSTING!!!!!!!!!!!

AND THEY DO NOT ANSWER THEIR PHONE, IT GOES TO VOICE MAIL!!!!

FINE THIS BRANCH BIG TIME!!!!!!!!!!

THEY NEVER RESPONDED TO THE LAST COMPLAINT I PUT IN EITHER!!!!!!!!
Consumer complaint received 2021-04-03
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Essential Retrieval Group (DC)

I was called today by this company and told there was a civil suit against me. I have nothing in collections or past due for that matter. Tonight on the same day my ex wife ( we've been divorced for XXXX years ) was called by the same person and left the same message.
Consumer complaint received 2023-01-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Upgrade, Inc. (IL)

In XXXX I opted to take out a loan recommended from my XXXX XXXX account. The loan was with a company called upgrade. I took out a loan with them and they never mentioned I was not going to get the entire loan amount deposited. So when the loan was deposited and it was not the full amount I called them. They stated they did not have to tell me over the phone that they were going to take out this sum of money because it was in the contract I signed. Recently I received a mailer on how I could save money on My loan with a company called new XXXX XXXX They apparently got my information through Upgrade who also works with a company called XXXX. But they said my credit was good and connected me with another company called XXXX and they wanted to charge me another big fee upfront to get a better interest rate than my upgrade loan. So upgrade is pretty much charging this crazy fee without telling me, then having other companies they work with, offer to save me money on a loan to incur another XXXX fee on me. Luckily I didn't fall for it but some people do and continue to move this loan around and continue to incur fees. If I had known about that fee on my original loan, I would of never did it. I was willing to move on after the original loan in XXXX and just say XXXX XXXX XXXX but when they tried to do it a second time, I have Decided to file a complaint.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. False misleading information furnishing deceptive forms must remove late payments in the payment history. The accounts are listed below : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-22
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

The latest credit report I checked still shows that this account is being reported incompletely and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.
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 — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (FL)

Comenitybank XXXX My identity was part of The XXXX breach. I have contacted XXXX and was alerted that I have a fraud alert and I believe that I may have been impacted by this recent breach. I have several inquiries that I 'm unaware of and believe they have been placed on my account without my consent. The inquiries are going to be attached to this report. This is very disturbing and I have contacted Better Business Bureau, FTC, & I have gone down to the bank to file suit against XXXX and the companies listed on my report. I notice that these inquiries we 're reported to XXXX, XXXX, & XXXX. At this time I am very XXXX off that my information has been leaked and have been used. Now I 'm not sure what to do and do n't trust to many people. It is very stressful to know your personal information is out every where and it 's a shame that we have these issues in a country where security is suppose to be used for things like this. I want it removed within XXXX hours at the latest and I wo n't accept nothing no later.
Consumer complaint received 2018-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I did not know I owe any money to XXXX XXXX XXXX XXXX XXXX until I schedule an appointment. Therefore, I, immediately, paid {$200.00} to XXXX XXXX XXXX XXXX XXXX in XXXX, New Mexico. I never dealt with a collection agency in any of the dept they are reporting in their remarks as " paid collections. '' This is incorrect. As of XX/XX/2018, I do not owe any money to XXXX XXXX XXXX XXXX XXXX ; however, they are, also, reporting I owe {$200.00} on TransUnion credit report as I attached this file. Furthermore, I received a ledger from XXXX XXXX and, not a collection agency.
Consumer complaint received 2018-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX is showing on all bureaus account is showing old delinquency. I have since paid off the balance off the loan it is now closed as off XX/XX/2018.
Consumer complaint received 2021-09-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have sent this 4 times to XXXX, Transunion and XXXX regarding my identity theft record. They continue to give me the run around! I have called several times and nothing. They purposely do nothing with this information and it is continuously adversely effecting me!
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (FL)

LoanCare is reporting my credit as 120 past due, while I my mortgage is being modified. ( I have a tenant that was COVID impacted ). I was never late in the past, and in fact prepaid the modified mortgage through XXXX XXXX to avoid the situation I am in now. My credit has been reduced 60 points. I have been complaining a week with LOANCARE I sent them the support below and my score has not been changed. I need to purchase a range for another property and my cash flow has been GREATLY diminished as I have two other tenants not paying. ( I can not evict! ) My credit lines have been drastically reduced. One response from the Servicer is that the scores would be adjusted after the loan closes and all the payment terms have been met. Well I prepaid and met the requirement. Correct my credit! Very unhappy
Consumer complaint received 2020-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (TX)

XXXX XXXX {$330.00}. The Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). To ensure compliance, the agency pursues an aggressive enforcement program aimed at the main players in the consumer reporting system CRAs, those who send them information, and consumer report users. The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report. underage with XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. see attach ftc violations Fair Lending Laws and Regulations XXXX  to Pay {$570.00} XXXX as Part of Settlement with FTC, CFPB, and States Related to 2017 Data Breach.
Consumer complaint received 2020-06-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: AC AutoPay LLC, Denver, CO Branch (NV)

I applied at Autopay.com to refinance my high interest loan now that my credit is vastly improved post bankruptcy. I fully disclosed the vehicle was under water a bit and that I was 2 years post BK. Rep assured me based on soft pull that everything " looked great ''. I made it clear I wanted ONE app submitted and if declined to discuss options BEFORE anymore apps were submitted. Over XXXX XXXX they submitted 3 applications. One to XXXX XXXX XXXX XXXX, one to XXXX XXXX XXXX XXXX, and the last to XXXX XXXX XXXX. These were fraudulent applications by AutoPay knowing that I did not qualify for membership in ANY of these credit unions. When I called my account rep : XXXX XXXX XXXX he stated he had not read the notes indicating only one app but admitted they knew about the limitation I had placed and had submitted the other 2 but had an approval for me. Did not say which lender. When I declined their expensive GAP insurance and worthless warranty suddenly another {$1000.00} in a " deposit '' would be required to do a loan. NO deposit was ever mentioned in any prior communication and only came in when I refused their hard sell add ons. XXXX hung up on me and I immediately received and email stating I don't qualify for a loan.