davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-10
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: EQUIFAX, INC. (NC)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX : {$5100.00} ; XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I requested updated information for a paid balance in XXXX of XXXX to the State of Michigan for {$2500.00}. I was trying to get my passport and the Information that was on file was incorrect. I have tried to dispute my one payment that was reflecting in the system for over a year now. The information " Paid, was a collection account, insurance claim or government claim or was terminated for default ''. 

None of the information is correct. This account is from XXXX, that was 11 years ago. More than enough time to not even be reporting. The balance never went into a collection status. They don't have the company information because I paid directly to the original account.
Consumer complaint received 2016-10-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (VA)

I paid $ XXXX something which was the amt we agreed upon. She asked how i much i felt like i owed and that presented our agreement amt. She told me that this took care of the whole bill so i do not know where this amt is coming from. This debt originated well over 5 yrs ago but they keep selling it to new collectors. Should this not be removed based on the original date instead making it appear to be a new debt each time a new company gets it? I would greatly appreciate your reoresentation to get this resolved. Thank you
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NH)

On XXXX Equifax dropped my credit score XXXX point due to a {$2.00} decreased via my ( secured safe building acct } ( XXXXXXXX XXXX ) On XXXX Equifax only gave me XXXX points for the same reason they decreased my score by XXXX points. please see attached
Consumer complaint received 2015-12-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (CO)

I have received attempts to collect a debt that is not mine. Stellar Recovery Inc. is reporting a collection on my account on behalf of XXXX. I have never been an account holder at XXXX, I have never ordered any of their services, and I do not owe them any money. Attempts to dispute this collection have been ignored.
Consumer complaint received 2016-02-09
Product: Prepaid card — Government benefit payment card
Issue: Unauthorized transactions/trans. issues — 
Company: Comerica (NY)

Hello! 
My name is XXXX XXXX and I put in a complaint with Direct Express where I receive my SSI deposit, in reference to unauthorized transactions on my card. this dispute was entered on XXXX XXXX, XXXX. They were suppose to send me documents to fill out to finalize the dispute. After not receiving them within a months time I called them back. They had to resend the documents for me to fill out to finalize the dispute. Initially they told me it would take up to 45-90 days to complete the investigation. in which should have started from XXXX XXXX, XXXX. After waiting the 90 days and speaking with several representatives assuring me that I would have my money back with 90 days. I called them back today XXXX XXXX, XXXX to find out why I have yet to receive my funds back and they tell me the XXXX starts from XX/XX/XXXX when they received the paper work back and not when I initially entered the dispute. I am a disable person with limited ability and receives only SSI to take care of my daily living. I need my money back and can not now wait another XXXX to catch up on back bills that was paid due to these unauthorized transactions. 

Can you please help out with this matter? 

It seems like they are giving me the run around, and is not trying to refund my money.
Consumer complaint received 2017-01-23
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: STERLING JEWELERS, INC. (CT)

Kay Jeweler 's in XXXX XXXX, NY. Employees are required to submit a certain number of store credit card applications a week/month. Management told employees who are n't meeting their quotas to " just re-run applications on people who were already rejected in the past. '' This raises two very questionable issues. 1 ) People are being threatened with losing their jobs over credit applications and being urged to re-run applications without the consumers ' permission, and 2 ) this clearly indicates they are not properly disposing of non-public information and retaining it somewhere for employees to re-use as they please.
Consumer complaint received 2016-10-03
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: SLM CORPORATION (FL)

As excited as we were when our son just graduated college XX/XX/XXXX, we knew it would be just around the corner before the heavy burden of student loans approached. While he did find a job in his field in Tennessee, his salary is quite low and is enough to rent a decent apartment and take care of his day to day expenses. His loans will come to fruition XX/XX/XXXX but the correspondence has started coming in. He owes {$35000.00} to XXXX on subsidized and unsubsidized loans which he hopes to get assistance with based on his salary. We as parents owe an exorbitant amount in Parent Plus loans which assisted with his education and my husband is currently unemployed. Last but not least, my son ( I am his co-signor ) owes {$62000.00} in what we thought were federally backed up loans with Sallie Mae. My husband and I are also in high credit card debt, high interest rates ourselves and living on XXXX salary so needless to say we are scared to death of what lies in the future for our son and for us. When calling Sallie Mae today to talk about possible payment arrangements since we thought they were government backed loans, we were shocked to hear that there were no programs available to help students and that all of his loans were private which we totally did not know. They are an incredibly non transparent lender and we feel that they are predatory lenders at that. Financial ruin for both my son and us is in the future based on what we owe and the accruing interest. The only program offered was there {$150.00} fee every three months to put loans in forbearance with accruing interest. We were shocked. I 've read horror stories on Sallie Mae and there is no financial future for our kids or parents because of this. Why are there no programs for Income Based Repayment and Pay as You Earn to cap borrowers ' monthly payments relative to their income? Why does n't Navient step in to assist with these private loans as well? My husband and I are not stupid people, but there was never any lead to indicate that these were private loans. My son will not make it even if he gets forbearance ( that is just a stalling mechanism ). They make so much money from the loans that XXXX is servicing for them. Why ca n't they help the borrowers? How is a milleniall supposed to work towards financial goals and parents towards retirement goals. They charge credit card-like interest rates amongst a multitude of other problems. As I said above, most people think of Sallie Mae as a purveyor of federally-backed students loans with low, government-mandated interest rates, regulated deferred payments and hardship programs or waivers. They are blurry in their representation and we are so so disappointed and scared of what 's to come. Someone has to step in and do something. Our kids should not be penalized for wanting to get an education. Your help and advocacy would be most appreciated. Thank you for your time.
Consumer complaint received 2016-05-17
Product: Debt collection — Mortgage
Issue: False statements or representation — Impersonated an attorney or official
Company: BWW Law Group, LLC (MD)

when orignal noteare challenge to provide original black ink sign at the time closing, the co-conspirator XXXX, XXXX XXXX bank XXXX debt collector XXXX XXXX, XXXX XXXX XXXX, and XXXX fraud note just like a criminal would forge a check fabricate checks through the use of modern technology. 
fabricated allonge signer indecomme XXXX fabricated signature fabricated the assignments are these above the law to forge notes through the use of modern technology
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION (CA)

Just a few months after graduating from my XXXX program, I started to receive letters in the mail regarding repayment for my student loan. My student loans comprise of both federal and private loans. On several occasions do I recall numerous attempts to reach out to my lending companies ( Salliemae/XXXX/XXXX ) to see if their were options regarding lower monthly payments for my student loans, and on several occasions do I recall the representative expressing the inability to do so without any real explanation. Luckily, I was able to have my initial monthly payments through ( XXXX ) of approximately {$500.00}, lowered to approximately {$290.00} a month. However my requests to have lowered monthly payments through Salliemae/XXXX were denied. Since graduating in XX/XX/XXXX, I have been paying approximately {$890.00} a month directed towards my loan through Salliemae alone, in addition to the {$290.00} I currently owe through XXXX, as a result, in XX/XX/XXXX, I had to forbear my Salliemae loan because of financial hardship. I feel extremely hopeless about getting out of this debt without having any options to help even just decrease the monthly payments, and especially because of other financial obligations I have when it comes to being the only sole provider for my family with XXXX young children. I am not asking SallieMae to completely abolish my loans, but to simply work with me to reducing the monthly payments, and so far working with SallieMae has been very frustrating and disappointing.
Consumer complaint received 2016-12-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (VA)

My loan was sold to Suntrust shortly after we obtained it XX/XX/XXXX. Their service has been unremarkable until recently, when I received a XXXX page machine generated letter stating that my house insurance had lapsed and threatening to buy a policy at a cost of more than XXXX times the actual cost of my insurance if we failed to update them. The letter claimed a lapse " notification date '' of XX/XX/XXXX. My home policy anniversary date is XX/XX/XXXX. I received an invoice from the insurance company on XX/XX/XXXX or thereabouts and I actually paid the premium online on XX/XX/XXXX ... which came out of my bank on XX/XX/XXXX. Just to be sure that it had posted, I talked to my agent on XX/XX/XXXX and she validated that it was in the system. 

The postmark on the letter SunTrust sent was XX/XX/XXXX. In Virginia they ca n't take any action until 60 days beyond lapse. Clearly they checked with my insurance company after the invoice date but before the anniversary date. Either it took them five days from the prodcution of the letter until it hit the mail ( incompetence ) or the letter was printed after the claimed notification date ( deceit ). They told me on the phone that they had checked with my insurance company before the letter went out. Either they checked before the actual due date and did n't check back on XX/XX/XXXX ( incompetence, deceit, or both ) and the sent the letter without thorough checking officially putting the burden on me to send proof of payment ( bad customer service ). And they have incurred unnecessary costs on ther off-chance that they will be able to charge way above market rates in the -- most likely -- few cases where there is a lapse that is not remedied within the statutory 60 days ( predatory business practice ). I am going to complain to the XXXX ... and the Consumer Financial Protection Bureau.
Consumer complaint received 2016-09-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (TX)

I took out a student loan XX/XX/2009, I was XXXX and my parents were not able to support me economically I lived in XXXX before moving to the US and the college I attended is located in XXXX XXXX XXXX, XXXX. The name of the institution was XXXX XXXX University and has been acquired recently by XXXX University. 

I feel it was and still is a predatory practice this institution is using, since it is targeting young XXXX students without evaluating if these kids can repay their debts. I was called by their recruiters several times until they convinced my father to take me there. I was not ready, and my father had no option, he had just lost his job. When I got there, classes had already started, and the recruiters did not care, they just wanted me to enroll even though I had missed some classes on my XXXX of college. I was not explained about the terms, interest rates, how much I was going to loan out or how much was a grant and how much was a loan. I would have preferred to come to the US in the first place, study in a community college and try hard to get a scholarship or even study in a state university in which I could save thousands of dollars. I am now stuck with $ XXXX in debt ( which is much higher than the average student debt ) and no college degree. 

What I feel is that these people are making money out of uninformed young kids so I strongly encourage you to start an investigation towards them because I know I am not the only one affected by this. I know there is a lot of people that studied there and they can not repay their debt. It is just unfair, I now work on the mortgage business and I know how important It is to inform consumers about the product they are applying for. 

As I mentioned before, I was just XXXX years old ; do you really think a XXXX year old kid can make a $ XXXX decision? I will not let my kids do that, that is for sure! It should be more regulated, I know people need education but if you can not afford it you should consider other options or opt for scholarships but do not stuck kids with lifelong debts, it is not fair. 

Any type of solution for this matter would be much appreciated. Thank you
Consumer complaint received 2015-07-24
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: AES/PHEAA (TX)

My daughter was contacted by this company ( XXXX ) about student loan. She was threatened by wage garnishment and threatening to call her corporate office to inform others of said debt. 
When I called, they told me that i needed to get another job to help pay.
Consumer complaint received 2022-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE (AR)

I opened an account with Barclays in XXXX. I have ALWAYS paid my bill on time using autopay, never been late, and paid more than the minimum balance of $ XXXX & periodically paid down the balance significantly. In XXXX, I paid off my acct in full. Then they sucked me back in by offering 3.99 % on purchases until XX/XX/XXXX. I was a sucker and took advantage of it & started using it in XXXX. I then set my acct up for autopay again to pay the minimum due. However, in XXXX, Barclays took my full amount due. I contacted them & stated that was not what I selected & their system mistake. The rep said she couldn't do anything about it although they had not taken the payment from my bank acct yet & that it would take up to 3 months to resolve. I said the whole point of contacting them was bc I could not afford to pay off the full balance at that time & needed my money. The rep said I needed to go through my bank so I did. My bank refunded the money to me & then Barclays refunded the money stating that I did not agree. I contacted them & stated I was not trying not to pay & immediately returned the payment it credited to me. Next thing, I get a notice a few days ago that my acct is late. I contact them & stated I had autopay on my acct but apparently they removed autopay when there is an issue. I contacted them XXXX bc I don't pay my bills late EVER! So I paid them almost {$1000.00} so that I am at 60 % of my credit limit of {$3200.00}. They XXXX me & REDUCE my credit limit to {$2200.00} when all I had to pay them was below {$50.00} minimum payment. THIS IS WRONG AND UNETHICAL! They are trying to ruin my credit profile with the credit agencies and limit my credit! Why? They got their money! I have been a card holder for 9 YEARS. Credit card companies should not be able to do this. If I had only paid {$50.00}, I'd have {$3200.00} credit limit. I told them I was going to report them and they committed revenge on my credit! While writing this I received a message from Barclays after an earlier message to them calling them out, and they have now reduced my limit to {$1700.00}. so now I have an outstanding balance over the limit which I have never had. SO UNETHICAL!
Consumer complaint received 2016-06-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (CA)

American education services took over my XXXX private student loan. When this took place a couple of years ago, I received a letter from them explaining they would be servicing my student loan. I am XXXX and can no longer work and have been fighting to get my student loan forgiven. Whenever I contact AES to ask questions about what help there is when I can not afford my payments, I am told there are none. When I ask to speak to someone with XXXX, I am told there is no way for me to do that. absolutely no one gives me answers. I need help and there is none with either company. I need help, and it wouldbe nice if someone explained exactly what XXXX AES Does do.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Im writing to have several negative accounts removed off my credit report I have a lawyer and all matter are currently in litigation ( XXXX XXXX XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) so i want all negative items removed immediately ... Plus Im fully aware of all my rights Under the Fair Credit Reporting Act. The Law 15 USC 1692 Under federal law you have to provide a method of verification and there was no proof of verification used to Verify these accounts so legally u have to remove all items and i want all negative items removed heres a list of all items XXXX XXXX XXXX XXXX Remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have A attorney all accounts are in litigation there incorrect i i WANT THEM ALL REMOVED
Consumer complaint received 2016-11-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (PA)

I have several student loans owned by NCT ( or XXXX ) and due to my worsening XXXX XXXX I have been unable to work for some time. I am receiving Social Security XXXX, have been approved for a XXXX XXXX discharge, and approved by XXXX & XXXX for a full discharge of the student loans that they held. I asked NCT for a compassionate review of my private loans ( totaling over {$40000.00} ) 8 months ago and they have responded with requests for more information, but have not forgiven the loans ( or made any effort to compromise ) despite my promptness in getting the information they requested. At this point, my loans are soon to do into default which wo n't do anything except destroy my credit because I do not have the ability to pay these loans.
Consumer complaint received 2016-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (FL)

I called Fedloan Servicing to inquire about another income-driven loan that would lower my interest repayment from 15 % to 10 %. The service rep helped me determine which box to check on my update application. In my inquiry I asked how my account would change and the only thing conveyed to me was my payment would decrease. After a few weeks I notice my credit score dropped. I XXXX the balance of my loans had increased significantly. I called Fedloan Servicing to find out why. They said it was due to switching plans. I became upset because I was never made aware my loan would increase by changing to a new plan.
Consumer complaint received 2021-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (PA)

I applied for a business credit card with Chase Bank XXXX credit card. I read the terms and conditions of the application and provided all requested info. I did not give authorization for Chase to pull my personal credit, nor was I asked to pull my report. I received a hard inquiry without my consent. I called the creditor and explained I read the terms and conditions and no where was I asked permission to pull my credit. I requested a removal and was told they could not remove it but will update the application to include a request to access credit reports in the future. I called XXXX XXXX and they said to request a deletion letter so I the creditor again and was told they can not give me a deletion letter for an online application.
Consumer complaint received 2016-11-30
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (FL)

Experian is not correcting my credit report. 
I have sent letters, and documentation on all of this to them, as well as proof I have paid off all my credit cards. My credit should be around XXXX or higher I currently work for XXXX, Not XXXX XXXX. I currently make XXXX