davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-31
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (CA)

I am a permanently XXXX Veteran, my only income is {$2100.00} month from the VA. I have XXXX children, rent, bills etc. Sallie Mae is not allowing me to lower monthly payments or even delay payments based on my income. I believe Sallie Mae Bank is systematically and illegally setting me up for failure in repayment - they are giving me the run around, putting obstacles in the way to prevent repayment and has failed to act in my complaint - in an effort to make me pay much more than what my loan really is. I am in financial hardship, and applied for a tpd - total permanent XXXX and an alternative repayment plan for modification of loan terms. No income-driven repayment plan was provided to make my student loans more affordable. I am a single mother of XXXX  children/family of XXXX  and my rent is {$1100.00} - I am struggling right now. Sallie Mae Bank has caused me to have emotional distress that has affected my emotional well-being. Sallie Mae , Inc has not gone through every stage of repayment making my student loans more difficult and costly for me. No notices are sent to me and I have accrued interest to my principal balance, lost protections, - there is no loan forgiveness. My XXXX impacted my ability to finish my degree program and I requested for an income based repayment to have my monthly payments capped in direct relation to my income and to provide for full forgiveness of my remaining loan amounts once the minimum number of monthly payments is met. Sallie Mae , Inc. has harmed my credit and I am a XXXX borrower - an injured veteran, whose XXXX is connected to my military service yet have not been given loan forgiveness. Sallie Mae , Inc. said  they would remove all adverse information about the defaulted loan from my credit report and I believe Sallie Mae , Inc. is in violation of the Dodd-Frank Wall Street Reform and  Consumer Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collections Practices Act and Higher Education Opportunity Act of 2008 ( HEOA ) based on my individual circumstance. I have been harmed due to Sallie Mae , Inc. 's illegal practices.
Consumer complaint received 2021-04-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: FC HoldCo LLC (AL)

I XXXX XXXX XXXX entered into a consumer credit transaction with Flagship Credit Acceptance on XX/XX/2021. A consumer credit transaction is an transaction in which a finance charge is involved. 

Pursuant to 15 USC 1605 a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges I was not expecting a bill. On XX/XX/2021 Flagship Credit Acceptance sent me a bill which is a violation of 15 USC1692 ( b ). Also this company is criminally and civilly liable for repossessing this vehicle which is a violation of 15 USC 1692 ( f ).

Pursuant to 15 USC 1611, Flagship Credit Acceptance is criminally liable, they are also criminally liable for double the amount of finance charges. 

Pursuant to 15 USC 1640 and they are liable for each FDCPA violation, pursuant to 15 USC 1692 ( k ). 

I am demanding they remove this alleged debt from my consumer report, or remit payment to me violations & apologize.
Consumer complaint received 2022-09-22
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. (CT)

Hello Im XXXX years old and this unfortunate event has led to the destruction of my long worked for great credit. On XX/XX/XXXX of 2022 I slid on ice totaling my XXXX XXXX XXXX limited. I had my loan with XXXX & XXXX XXXX. This was my bank for the car. I owed an outstanding balance of {$7900.00} for me vehicle. After breaking my arm and wrist in the accident and needing XXXX, I called my bank on the XXXX of XXXX. So did my insurance XXXX to inform them of my car being totaled and that the full payout for the remaining amount would be paid to the within 7-10 days. XXXX XXXX XXXX was being bought out by XXXX XXXX. The worker I spoke to on the phone did not report my car as totaled after informing her so. The most important issue, when XXXX called XXXX to get the payout address THE WRONG ADRESS WAS PROVIDED BY MY BANK! but I didnt know this because XXXX thought it was correct as it should have been. XXXX would have no reason to think otherwise when asking for such basic information. XXXX sent the check out ASAP, On the XXXX of XXXX. The check arrived at its wrong destination on the XXXX. Issue is, IT WAS THE WRONG ADRESS PROVIDED! I was still unaware of this and was contacted about an issue with my car loan. Fast forward to XX/XX/XXXX. 2 months later, i received a statement in the mail, keep in mind this is first time Im informed by my bank that they had not received the check. They said I was late two months payments and now owed them {$700.00}. I swiftly called them to get this sorted out and after a 3 way phone call with them and XXXX we came to the conclusion that XXXX was provided the WRONG payout address by a bank representative and that is what caused the check being mailed to not be received in time. I reached out to XXXX & XXXX to inform them that the mistake was on their end and now Im in a bad situation unable to get a car loan because of this. They refused to help after I filed the dispute directly with them. Human error was on their end. It deeply saddens me that no one has been able to resolve this matter. The bank did not change my payment to NOT LATE, I was never late for payment on this loan and I can not go my life with this mistake on my credit report. The only further evidence I have to support my end is that XXXX released the documents to me, stating exactly the address that was provided by XXXX on XX/XX/XXXX and it was incorrect. I also then have the correct address that was provided on the XXXX way phone call that day the XXXX of XXXX when the full check was RE-ISSUED attached below. Without my diligence this wouldve never been figured out. They can not hold me responsible for a human error on the banks end. Its now affecting my life personally and Im going to have to get a lawyer if I can not find another way to get this fixed. Thanks for your help and please reach out with any questions or need any evidence. XXXX XXXX
Consumer complaint received 2020-12-12
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: EQUIFAX, INC. (CT)

i requested and investigation on XX/XX/2020 and i have not received any update or respond from this company, they basically refuse to investigate. 
follow up letters was sent on XX/XX/2020, XX/XX/2020 and XX/XX/2020. 
this company have no done any investigation, inaccurate information keep been reporting in m y credit report.
Consumer complaint received 2021-04-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with XXXX plus days of no response.
Consumer complaint received 2022-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

My account is with Chase Bank. On XX/XX/2022, I wrote a check to the XXXX XXXX for {$10000.00} for payment of taxes. The check was intercepted and altered. The payee was changed to " XXXX XXXX '', someone I never heard of. The check was then cashed at the XXXX  XXXX XXXX. Chase took the funds from my account. 

I learned of this alteration on XX/XX/2022 following a conversation with the Internal Revenue Service in which I questioned why I had not been credited with the XX/XX/XXXX payment. On XX/XX/2022, I went to my Chase branch and, with the assistance of a banker, completed a Declaration of Unauthorized Endorsement or Altered Item ''. Chase does not give me answers as to what they are doing to replace my money and only tells me it takes time.
Consumer complaint received 2020-01-31
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. (TN)

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

Because of my XXXX, I AM GUARANTEED MY CREDIT REPORTS- BECAUSE EXPERIAN LLC, XXXX XXXX. & XXXX XXXX. ARE TOO UNRELIABLE, INSECURE AND ALL XXXX OF THESE SUPPOSED CREDIT BUREAUS ARE SO UNRELIABLE THAT ALL XXXX AGENCIES HAVE SUBJECTED EVERYONE ( EXCEPT THEIR BOARD MEMBERS ) TO A CONSTANT BARRAGE OF IDENTITY THEFT. A. FOUND THAT FACT IN 2017 CONFIRMATION FROM XXXX, WITH MORE INCREASING EVENTS FROM ALL 3 CREDIT REPORTING AGENCIES! THE CREDIT REPORTING AGENCIES HAVE ONLY AENT ME PIECES AND PORTIONS OF MY CREDIT REPORTS AND I DEMAND TO SEE ALL OF MY CREDIT REPORTS IMMEDIATELY! THE ORIGINAL CONSUMER. DEMANDS TJAT ALL CREDIT AGENCIES TURN OVER ALL XXXX CREDIT REPORTS TURN OVER ALL THE CONSUMER 'S CREDIT REPORTS WITHOUT BEING SUJECTED TO THE CRA 'S POLICIES THAT ENCOURAGES CHILDISH GAMES WITH FEDERALLY XXXX PERSONS KNOWING THEY HAVE MANY TOOLS TO BREAK THEIR MONOPOLIES INTO A FEDERALLY PROTECTED AGENCY! SEND ME ALL MY REPORTS TO THE CONSUMER 'S PLACE OF " ABODE '' NOW. I HAVE ALREADY SENT NOTICE TO THE CFPD AND AS OF XX/XX/XXXX, MY COMPLAINTS WERE SENT TO THE FEDERAL TRADE COMMISSION.
Consumer complaint received 2022-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BARCLAYS BANK DELAWARE (OH)

I have a very high balanced credit card with Barclay, have had it for many years!! They decided all of a sudden to start upping my interest rate for the past SEVERAL months!! I called them, they don't care, closed the account and continue making payments and they continue upping the rate every month. How is this even legal?!?!?!? I make timely payments every month and have for years and years!! I have closed it, how long are they allowed to continue raising the interest rate on a closed account!! Also with no notification and I would like to see the paper I signed saying this was a variable rate, it hasn't changed for years!! I don't remember signing anything like that, have also asked them to produce that twice and nothing. People are having a hard enough time today without these companies trying to take advantage!! Will never use them again and will not recommend. I have another card that just switched over to them I believe, need to close that one also!
Consumer complaint received 2021-04-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

We disputed a XXXX XXXX account in XX/XX/XXXX. The dispute was suppose to be completed XX/XX/XXXX. The account is 7 years old. XXXX  and XX/XX/XXXX have removed the account completely. We called Equifax to remove the dispute. Instead of removing it, they open 2 more disputes. The initial dispute should have been closed. It surpassed the 30 day mark. every time we contact Equifax in regard to this untimely matter they open another dispute.the 7year time period has expired in regard to this account and the dispute filed on XX/XX/XXXX has went way beyond the prescribed time limit for disputes, but yet Equifax still has a active dispute open on my credit in regard to this Account.
Consumer complaint received 2017-12-16
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC. (VA)

I tried to reduce monthly payments of {$310.00} with Navient, in XXXX 2017 They refused to lower the monthly cost instead they wanted me to give them more money than what was asked of me. They agreed to give me 3 months to try and get enough money to pay them what they are asking. The amount they want me to now pay monthly is {$310.00}. I tried to switch to another carrier such as XXXX, XXXX XXXX XXXX told me I could not because I do n't have any other student loans to consolidate this with. It 's a stuggle to pay this amount please help.
Consumer complaint received 2020-09-18
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (TN)

I have a Care Credit card through Synchrony Bank that I use for medical purposes only. Copays, ENT appointments, dental appointments & etc. My initial credit limit was {$4000.00} as of last year XXXX when I first opened the account around XXXX. In XXXX of XXXX, Care Credit Synchrony Bank decreased my line of credit by {$500.00}, for no reason. At that time I went from having a {$4000.00} credit limit to a {$3500.00} credit limit and the account was paid down by XXXX. I owed about {$2800.00} at the time of the decrease. Because of that decrease on my credit limit that made my credit utilization go up although I paid it down before the credit limit decrease. About two weeks ago, Care Credit Synchrony Bank took my credit limit down again and this time by {$700.00} and now my credit utilization has went up tremendously to 95 % which made my scores drop. I'd paid the account all the way down to about {$2200.00} but they reported I owe {$2600.00} but that's not correct because I make my payments each month and was making extra payments a few months ago. I feel this is a deceiving tactic because everytime I pay my account down by {$1000.00} or more they turn around and decrease my credit limit for no reason. Unfair business practice.
Consumer complaint received 2020-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (CT)

Had a dispute against XXXX XXXX XXXX ( made a purchase send to the mall and wasnt pick up failed to issue credit ). The amount was {$49.00} made on XX/XX/2020. 

The company was contacted and they acknowledge the mistake. Expect Apple Card decide to reverse the provisional credit. 

I called Apple Card services ( golden bank ), the representative was overly rude. She give me a lecture me by telling me to have the USPS credit me since was their fault not the credit card fault since the postal office and all the packages are insured. 

The call dropped, next day my account was restricted ( cant make purchases ). I called and they told me I was being investigated because my shopping habits. 

I called again and send them the copy of the transaction and I was told we restricted your car for your own protection and security of the bank you may not be able to use the card 5-7 business days. You will get a letter regarding the outcome. 

I am a former banker and theyre in violation of fair credit since they did it in retaliation of my previous calls. 

I explain them I am not a thief, I always pay my bills on the and I have never been late and I ask which company flagged me to request a copy of the report and they failed to disscuss any further info. All they keep saying was I cant disclose why you been restricted all I can tell you is you need to wait.
Consumer complaint received 2020-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (AL)

I sent in a 30 day demand letter on verification of data furnisher reporting on my file and method of verification. I obtained a letter from the reporting data furnisher stating that they do not report information to the credit bureau reporting the information and the credit bureau sent a item verified letter from a reporting company that i had my files suppressed and froze via a certified letter from LexisNexis. see attached documents.
Consumer complaint received 2017-12-16
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: VW Credit, Inc (NY)

ACCT # : XXXX Car 's XXXX # : XXXX About a year later after returning the lease, and getting a new lease with the same company " Volkswagen credit '' I received a " Turn-in invoce '' charging me {$800.00} dollars. As soon as I received this invoice, I called them to explained to them, that 6 months prior to this letter, Volkswagen Credit had sent me another letter, letting me know, that the account HAD BEEN PAID IN FULL, and no other fees were needed. 

In addition, they had already updated the balance to {$0.00} on my credit report, as well as to the status of " Paid and closed '' They explained to me, that the had sent me the " PAID IN FULL LETTER '' by mistake, and prior to them re-selling the car. I told them, that it was n't my fault, and that they are in violation of the Uniform Commercial Code, by charging me this fees, 1 year after returning the car back to them, and after I had already received a letter from Volkswagen Credit stating that I owed anything at all. 

Volkswagen credit told me that, they can not do anything but to charge me % 50 of the turn-in invoice, as a courtesy. However, i refused to because, they had already sent me a PAID IN FULL letter. This is not fair. 

I had sent letters after that, without any response from them, I had called many times without response either. I have been leasing cars from them for more than 5 years now without being late once! This is not a good way to treat a loyal buyer.
Consumer complaint received 2021-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AES/PHEAA (PA)

Fedloans Servicing has violated my federally protected consumer rights under the FCRA by committing the following action under the Truth and Lending Act 15 USC 1601 ( a ) Fedloans Servicing has violated my federally protected consumer rights under the FCRA by committing the following actions : 15 a USC 1681 ( a ) ( b ) 15 USC 1681 ( b ) ( 2 ) 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) 15 USC 1681 ( a ) ( 3 ) ( e ) 15 USC 1681 ( a ) ( 4 ) Fed loans Servicing has also violated my federally protected consumer rights under the FDCPA by committing the following actions : 15 USC 1692 ( d ) 15 USC 1692 ( d ) ( 2 ) 15 USC 1692 ( e ) ( 2 ) ( a ) 15 USC 1692 ( g ) 15 USC 1692 ( g ) ( c ) 15 USC 1692 ( a ) ( 7 )
Consumer complaint received 2020-09-18
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. (AL)

Equifax seem to be refusing to remove the XXXX XXXX  accounts I already had dispute for removal. XXXX XXXX  sent me a response saying they will submit a request for removal from all three credit bureaus. Equifax has refused to do so and only updated the info as a existing debt. This continues to damage my credit file after I made complaints to have the accounts remove.
Consumer complaint received 2021-11-03
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. (TN)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2022-10-05
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. (TX)

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022 to update this suspicious information. I think you have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00}
Consumer complaint received 2020-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (AZ)

JP Morgan Chase bank has again, billed me wrongfully, negligently, and I believe intentionally purposely trying to cause me still more XXXX XXXX Please see previous CFPB complaint numbers XXXX and XXXX. Please see JP Morgan Chase Bank 's explanation, and reply. 

JP Morgan Chase bank has again billed me for the same fraudulent purchase. Cited in XXXX earlier mentioned complaints. I saw it today on XX/XX/2020. My XXXX credit card has again, been charged XXXX for {$130.00} DATED XX/XX/XXXX from XXXX   XXXX XXXX. I thought this was resolved. Please see their reply and explanation from two cited CFPB complaints.

Please excuse my lack of memory, I may be forgetting exact details as my mind may block out painful events. Seems as though XXXX   Fax 's were sent to Chase bank ( I do have them, numerous pages ) and they ( Chase bank ) finally made proper corrections and credited my account. Now, they are attempting to take it back. In fact, Chase has/have doubled the amount. Purposely and Intentionally causing me more XXXX XXXX. It has already had a negative effect on my health. The XXXX fax 's to Chase bank clearly proved that XXXX XXXX XXXX had charged me fraudulently. A complaint was filed with the XXXX XXXX XXXX. Against XXXX   XXXX XXXX. 

Please have Chase bank SAVE all my secure on line messages to them. As they are evidence. 

Please be so kind to have Chase bank again, correct these same errors. Please have JP Morgan Chase bank STOP CAUSING me XXXX XXXX.