davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (GA)

I have four seperate loans with Sallie Mae all with interest rates from 8.75 % to 11.75 %. When I took out the first 2 loans I was under the impression the interest rate was lower. Secondly the last 2 loans have different co-signers in which they told me could be release within 6 months of on time payments. After repaying on the loans on time for the past 2+ years I called to have my co-signers released in which I am now told theres an application process and that my co-signers can not be release as there are a group of rules that must be met first, one being the borrower can not be on a reduced payment plan. When I took out the loans these additional co-signer release stipulations where NEVER explained. When I called to inquire about this I was told I shouldve known because its on their website however it says they can change the co-signer release stipulations at anytime. The consumer advocate XXXX claims to have listened to the recording in which these stipulations where described to me but will no allow me to heard the recording. I previously filed a complain about how Sallie Mae told me the only way to have a lower monthly payment ( previously $ XXXX/mo ) was to go into collections which I did in good faith that they were giving me the best advice. I was young and didnt really know better. They call themselves fixing the issue after my complain with CFBP by crediting the interest charged during that collection period however I do not find this a satisfying solution. I also do not believe they credited my account with all the fees and interest applied to my accounts during the advised collection period. Taking a closer look at my billing Ive noticed they charge me interest twice a month for each loan. Over the last 2+ years Ive paid anywhere from $ 17k-20k and my overall balance has only decreased by approximated $ 3k. When I asked about this XXXX, their consumer advocate, told me that they apply my payments to the interest accumulated while I was not making full payments and still in school. However, upon my calculations I accumulated less last $ 10k in interest so that should be well paid for by now. Ive called asking for original loan documents and now payment activity which takes 3weeks to receive which to me is unacceptable and unrealistic and makes me believe they are altering documentation. The loans all have astronomical balances higher than what was originally borrowed. Ive called to ask about lowering interest rates in which XXXX told me we dont do that here. Ive tried to refinance but am unable to because of the previous collection in my report and my high credit card balance in which I had to live off of while paying this high monthly bill. Unfortunately this is a universal issue in which many borrowers are facing and are not recieving any help or answers. Many similar complaints found online which leads me to believe Sallie Mae is practicing in deceptive repayment practices, consumer fraud, & subprime lending.
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

in accordance with the Fair Credit Reporting act XXXX # XXXX, DPT EDXXXX XXXX XXXX XXXX DPT EDXXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, SXXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX # XXXX, has violated my rights. 

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
Consumer complaint received 2019-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (MD)

I submitted a complaint about this company in XXXX. They resolved it, but now the same thing is happening again. This is the THIRD time FedLoan 's misreporting has resulted in adverse accounts on my credit reports and a massive drop of my credit score. Each time they claim they are doing nothing wrong, but clearly there's something wrong with my accounts in their system. I wonder whether they need to wipe my accounts and re-establish them. In any case, my husband and I are closing on our first home in a month, and FedLoan 's negligence is materially harming our chances of a smooth closing. 

In XX/XX/2018 I noticed that FedLoan had incorrectly reported multiple months of delinquent payments. I found this because my credit score suddenly took a massive hit, and credit reports confirmed it was incorrect reporting from FedLoan. I disputed it with FedLoan and with all three credit reporting bureaus. The bureaus all found in my favor and corrected my reports ; meanwhile, FedLoan agreed I had no delinquent payments. 

The same thing happened in XXXX. 

Now FedLoan is YET AGAIN incorrectly reporting delinquent payments. I called them, and all they told me is that my accounts were paid in full. They pointed a finger at the credit bureaus.

I need this resolved completely -- FedLoan to stop misreporting and my credit scores and reports to be updated and completely accurate -- absolutely as soon as possible. My next step, if this happens again, will have to be legal action, and I'd prefer to not go that route.
Consumer complaint received 2021-09-19
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: EQUIFAX, INC. (MD)

I am who i say i am a person and a consumer. XXXX XXXX himself and not a third party. After challenging the consumer reporting agencies regarding a few unauthorized inquires my concerns were not handled. i filled a few identify theft reports to assist with these unauthorized inquires.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights.

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 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights.

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
Consumer complaint received 2023-01-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Solar Mosaic LLC (CA)

I was approached at my home by a Solar Company 's salesman. He had me talked into installing solar panels on my home. Not including the unprofessionalism about the solar company, but I never had the work done. Never started the work, nor completed. Did not hear from the company for over 2 months. Meanwhile I decided not to have them do any work on my house. My complaint is about the loan company that a loan was taken out in my name and paid to the solar company. The loan company is called Mosaic. They have started sending me bills, and my statement. A loan in the amount of {$37000.00}. XXXX XXXX XXXX XXXX XXXX dollars. This company paid this solar company before confirming with me that I even wanted this done. They also never got verification that the job was even complete before sending them any money, let alone verifying that they even started the work. Which they did not. Absolutely no work was done by anybody from XXXX XXXX at, or on my house. Not only I was never informed by the salesman that he was applying for a loan in my name to pay his company. I have sent 3 correspondence emails to Mosaic wanting this loan closed, and removed from my record.and credit report. I have not received a response from them. The salesman finally responded and he said there must have been some glitch in the process. That I shouldn ' t have been charged. I am a XXXX XXXX and I am getting real tired of being blown off by mosaic. Nobody seems to ever have answers there. I am requesting an intervene by the Consumer financial protection bureau. A look into their company poicies, needs to pin point their practices, and how they pay out money to the contractors prior to any completed work done. I would like answers on how do they do that??????
Consumer complaint received 2019-10-05
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. (FL)

My loan is serviced through Navient. On XX/XX/19 I made my regular payment on my account in the amount of {$170.00} applied toward both consolidation Loan # 1 and # 2. I then made a separate online payment in the amount of {$280.00} selecting Loan # 1 for application of payment per the website instructions. When Navient applied payment the {$280.00} was applied to loan # 2 not loan # 1. 

Loan # 1 has a balance of {$550.00} i am trying to pay-off this loan in full over the next two months so I paid just over half with the intention of paying the remaining balance during the month of XX/XX/XXXX. Over the years when I have made extra payments on this loan ( both w/Navient & the previous creditor ) the payments have always been misdirected to the larger balance to keep this account open and earning interest. The last time I made an overpayment some 8-9 years ago to pay-off the smaller balance I paid the full amount due and none if was applied to the first loan balance. This practice need to be stopped and lenders forced to accept the payment as made by the consumer. 

I recently learned from a friend that Navient was previously sued by the CFPB and they agreed to stop this bad practice however they are continuing to do it. I can provide proof showing the payments and i am prepared to give written sworn testimony. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TN)

Equifax will not remove XXXX XXXX XXXX off my credit. 
Its paid in full. 
Its still showing open. 
They still reporting on my credit. 
They will not update. 
The Company contact me and said that it will be remove with 3 days. 
Still not remove off my credit.
Consumer complaint received 2019-10-05
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica (IN)

I am XXXXyrs old and I receive social security every month on the XX/XX/XXXX of the month because I have XXXX XXXX I use direct express to receive my money every month an I have used direct express for about 6 yrs or so well this month on XX/XX/2019 I went to pay a bill and my card was declined so I called direct express an it said we are experiencing high call volume please stay on the line or if I was expecting a payment an did not receive it to call my payee witch would be the social security administration everything was fine with them my money was posted like normal. They wanted me to try to get in touch with directexpress I waited for 3 hours on hold just to get hung up on an here it is XX/XX/XXXX an still can't get in touch with directexpress an still no money I depend on that money that is the only income I receive because of my XXXX an I have bills to pay and I think there's definitely something strange happening so I read some other people 's review 's an comments about direct express an some people were saying they got a whole month of their income an could never get it an was getting a lawyer I could never afford a lawyer an this is not right by no means I can't eat or pay my bills I sure hope I can get my social security money soon I have nothing thanks
Consumer complaint received 2019-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (UT)

" NEW ISSUE '' XXXX pulled a Hard inquiry on my credit report on XX/XX/XXXX without authorization or permission from me this is illegal. Now it showing the removal of the inquiry ( This inquiry could stay on your report untilXX/XX/XXXX. ) has to stay on my report for 2 years.I need this inquiry remove immediately. Cease all pulling of my credit reports. Anymore violations I will be seeking remedy in XXXX   District Court here in XXXX XXXX XXXX Utah.
Consumer complaint received 2021-09-18
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: HYUNDAI CAPITAL AMERICA (IL)

Still waiting on my title from Hyundai. I've faxed and mailed the IL 556 form several times and haven't received anymore info in regards to sending me my title. I've done everything that I'm supposed to do and still have nothing.
Consumer complaint received 2021-09-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Happy Money, Inc. (MD)

I took out a loan from payoff.com In XX/XX/XXXX I have since made 26 monthly payments up until XX/XX/XXXX when I was laid off due to Covid. I was unable to return to my job due to the nature of my employment it is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I reached out to pay off an attempt to square my account to make sure they werent any delinquencies even in the face of my financial turmoil due to the worldwide pandemic. They did offer to delay payments without any affect on my credit, as mandated by the government however, they have since tacked on Absorbent interest charges, And refused to provide any concession in the loan terms with consideration to worldwide pandemic. Since the inception of my loan I have made a total of {$14000.00} In payments on a {$25000.00} loan to date, i currently owe {$20000.00} and no one at the company wants to help me. Their employees are rude and give you the runaround and deflect offering information as if this were a normal circumstance and not a global pandemic. I would like to formally submit a complaint About this company because I feel as though this is predatory lending
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2018-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Experian Information Solutions Inc. (NY)

On XX/XX/XXXX, I paid {$1.00} to Experian to purchase credit report. 

On XX/XX/XXXX I was charged {$21.00} from Experian for my monthly service charge that I never signed up for. 

On XX/XX/XXXX I noticed these charges on my credit card and called Experian to " cancel '' my account that I never opened. They canceled my account. I also asked to remove the {$21.00} fee and they refused. I call my credit card company to dispute the charge and to never allow Experian to charge my credit card. 

This is fraudulent behavior as the website never makes it clear that it will be charging you a monthly fee going forward. I believe most people will not file a complaint for fear of reprisal as Experian is rating your credit.
Consumer complaint received 2019-10-05
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CA)

on XX/XX/17 i started this card with best buy to buy Appliances the cashier recommended it as i wanted stainless appliances but didn't have all the money for that as stainless was XXXX more so i tried and was approved on the spot for XXXX and the purchase was for XXXX and she talked about signing it up as a Zero APR for 18 months which was just a option on the touch pad during the checkout process and i clicked for that option and hit ok and it wanted me to confirm my address and info after confirming that was it paid and done, problem with this is 18 months later i was unable to pay the bill in full and so they back charged me for the APR from date of purchase which was 26.49 % precent and a total of {$2400.00}, Now had the employee that processed my order gave me a warning or info that FYI if not paid in full by the XX/XX/XXXX month you will be back charged i would have never done the program and just stuck with the other appliances i could have paid in full that day, so after contacting best buy partner Citi bank which is who handles cards for best buy they wouldn't help me with the charge and was not understanding at all they thought it wasn't fair how i was handled by best buy and recommend i report this which i was amazed that the credit card company would tell me to do this report and i was also signed up for paperless billing so had never caught this on my statement as well.
Consumer complaint received 2019-10-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (UT)

I cant open any account with any bank, I dont know why. They said something about check systems but every time I asked for a report I seem to not get it or be blocked. I dont know why I would be on check systems on the first place. I need help please.
Consumer complaint received 2022-08-11
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. (MI)

XX/XX/2022 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX RE : PERMISSIBLE PURPOSE To whom it may concern. 

I, ( XXXX XXXX ) never gave ( XXXX, XXXX, Or XXXX XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute You also do not have any permissible purpose to furnish my personal information to any third party. 

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following accounts : Name of Account Account Number Provide Verification XXXX XXXX XXXX Unverified Account Sincerely, XXXX XXXX
Consumer complaint received 2021-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Upgrade, Inc. (FL)

XX/XX/2021 pre approved for {$20000.00} of credit from Upgrade. No outstanding documents are required. 

I called as the email suggested. The Upgrade service representative asked me for additional information including my tax returns. 

I declined as the represented pre approval with the credit checks they performed and asked that my application be withdrawn. I was told it would be. I sent a note to the service email address the same day, XX/XX/2021. 

XX/XX/2021 I received another notice asking that I call Upgrade as I am pre qualified for a personal loan. I sent my third note asking that my name be unsubscribed and again asking that my application be withdrawn, thinking the matter was closed. 

XX/XX/2021 I received a notice from Upgrade saying my request could not be approved at this time. 

What kind of nonsense is this? Its not factual. Its not appropriate or consistent for the offerer to play pretend that I withdrew my application 4 weeks ago.
Consumer complaint received 2019-10-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (NJ)

In XX/XX/XXXX, XXXX XXXX in XXXX NJ, assigned me a line of credit with Synchrony back in the amount of XXXX for as partial payment for a rebuilt transmission replacement. During the course of the loan, my minimum payment per month fluctuated between {$28.00} up to {$62.00}. per month this includes the principle and the interest of the loan. As of XX/XX/XXXX, I had a balance of {$870.00} f which I paid {$400.00} in an attempt to begin paying off this loan. My new balance as of XX/XX/XXXX was {$470.00} which included interest. When I received my XX/XX/XXXX statement, my balance went back up to {$830.00} which includes the previous balance of {$470.00}, credit fees and Adjustments of {$28.00} and {$320.00} interest for that month!!! In addition, Synchrony Bank reported this to the credit agency ; resulting in a negative credit rating of 10 points. I made a monthly payment of {$100.00}, which should have brought my balance down to {$370.00} considering they were requiring a {$28.00} minimum. As I have been the process of rebuilding my credit over the past 10 months, it was my intent to pay pay off the balance {$370.00} owed only!! I did call service, thinking they made an error concerning my account. They told me that there was a promotion in place of which I was not notified in any capacity ( email, text or US mail ), and that I missed the promotion. The customer service rep put me on hold for a while and came back on with a offer, stating " they would take {$500.00} if I made a payment over the phone. I told them that I did not owe that amount and I simply refuse to make any payoff without having their offer in writing first. They have proven themselves to be untrustworthy in their business practices and could add additional charges the following month unlawfully, at their discretion, keeping me unjustly in dept for the next 4 years. I have been paying principle, interest and {$39.00} late fees, since the start of the loan. I just want to pay off what I owe without being robbed further! I'm still making on time payments, exceeding the minimum requirement, but I need justice, and my credit restored. I did brig this matter to the NJ Office of the Attorney General ; whom after 4 weeks referred me to you via US mail ( Ref. File # XXXX ).