davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (OH)

Both Experian and XXXX show a withdrawn federal tax lien as being a released federal tax lien. I have communicated with XXXX agencies concerning the fact that the IRS has withdrawn the lien and should have been treated as not being in effect. While the information is reporting an event that happened, i.e., the lien was released by the IRS, the IRS also filed documentation showing that the said lien was withdrawn. 
This information has been harmful to my credit worthiness and has had an economic impact.
Consumer complaint received 2016-06-13
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (FL)

On XXXX/XXXX/16 someone wired our money out of our checking acct.online. I received an e-mail on XXXX/XXXX/16 from the bank that I had changed my password, another that I had changed my phone number, another that I wired money out and there 's a XXXX.The amt.was XXXX wired to XXXX Bank.The bank would n't talk to me on the phone, I did n't know the password! I went to the bank and reported.I closed that acct.and opened a new XXXX without online access.I reported to the police. I was told they would refund my money within 30 days, but usually within 10 days.We had this acct.almost XXXX yrs.We are XXXX, this is our only money.I had paid bills that day.Those payments bounced, late fees are now due, I had to spend money designated to other bills to pay these returned bills.Electric co.requested it in writeing .I asked the bank manager to give me a statement that it had to be closed & is under investigation.NO, would n't give me it.I have not received any information at all.Now, besides the late fee, I must go pay cash in person for 1 year as I paid them on a closed acct!! I had to use my car ins.money, now I could lose my cars! This has been a nightmare!! I have been to the bank several times.I get no help.All they say is " it 's under investigation '' .This is ruineing us! My husband has serious XXXX XXXX, this is hurting us physically.We need help!! I was told the bank had 3 days to notify us of findings to date.We begged, could n't get anything.And that the bank had 10 business days to investagate, and then should refund us all but XXXX while investigation is ongoing.We desperately need our money now.We have late fees pileing up, we ca n't pay.I ca n't pay anything on time as I 'm still trying to catch up. We can pay our bills, but it takes all our money.We do n't have an extra XXXX to spare while the bank takes it 's time investigating.We need help!! I 'm so surprised and disgusted that the bank would treat us like this. They gave away my money, changed my password, phone number, address, without my knowledge.And now I have to beg for my money, and they could care less.Please, please help us ASAP!! Any help is greatly appreciated.
Consumer complaint received 2017-08-16
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NC)

Macy 's Credit card.
In XXXX 2017, this credit card company was faxed with receipt and mailed a power of attorney ( POA ) to take control of the account away from the primary account holder due to XXXX. My wife and I were given custodial control. Macy 's ignored this and sent a letter stating that the primary account holder had to approve. We had the attorney get involved, and the account was closed. This is after we were hung up on ( disconnected they said ) twice when we told them the attorney was going to get involved if they did not allow the properly executed and filed POA. We again wrote back with the POA and a letter stating to close the account.
We reviewed the account. Over the last year, my mother in law was making the payments the account reps on the phone told her to make to " settle the account ''. these payments were always one to two dollars below the minimum due. Each month, they were hitting her with close to {$100.00} of fees and interest due to giving her the wrong information and misguiding her.
In XX/XX/XXXX, we were given a final settlement amount, and we sent in a check. We then got a letter addressed to the original account holder stating they could not honor the request, and charging a " minimum fee '' of {$2.00}, and a late fee. We called several times, got hung up on several times, and after threatening legal action, the fees were removed. The agents reported the account was closed In XX/XX/XXXX, they again charged minimum fees, and ignored the POA. We again sent in the POA with a demand to close the account. Several 'disconnects ' later, the account was reportedly closed again.
In XX/XX/XXXX, when my mother in law in her XXXX state called Macy 's to make an order, she asked to have her personal credit card charged for a phone order. Macy 's again opened her Macy 's charge account and placed the charged on the Macy 's card. This was against her wished, ans she was told that they " had her personal charge account on file ''. This is after Macy 's had been notified in writing on multiple occasions that the person was not legally competent to do so, and the account was closed.
We called the next day to cancel the order, and move the charges to a Visa card. We were told this was done - it was not, and we started the whole cycle above again.
Consumer complaint received 2016-03-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (VA)

My loans for grad school were transferred to NelNet in XXXX. I made payments on several occasions paying ahead, but every single time I set up the autopay so it would continue paying. I had some issues with it in XXXX but thought I finally had it working. As I was completing my taxes this year I realize the autopay was again switched off. It 's entirely possible I made an error at some point, but I ca n't tell you how many issues I had with their autopay. I received monthly bills with {$0.00} due this month. I realize now they mean I do n't have a payment due until XXXX. They 're just letting the interest accrue again since I paid ahead! It 's my fault for not catching it sooner, but I was very sure my loan was being paid on this whole time and may have confused it with NAVIENT, my other loan servicer who I 've completely paid off and also receive " {$0.00} due '' messages. So rather than paying down my loans like I thought the last two years I now owe more than I did previously. This is UDAAP at its finest. While my own ineptitude contributed to this, I think NelNet should be put on notice for terrible servicing practices.
Consumer complaint received 2022-10-02
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. (TN)

Eye would like for the non-affiliated third party consumer reporting agencies such as XXXX, XXXX and equifax to produce the personal responsibility contracts, contractual obligations and/or partnership that Eye as the Natural Living Man established with them before since that already had personal information about me established in their database system before Eye was birth by the Natural Living Woman! Please be advised that everything is contractual in Nature, so when did Eye grant such financial institutions the privilege to benefit off of my sweat equity, property and intellectual property? Provide the proof.
Consumer complaint received 2017-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc. (CO)

I did not receive the XXXX-month grace period, after talking with Nelnet, they counted my XXXX-month grace period in chunks during summer semesters that I was n't enrolled. I was under the impression that it was XXXX months after you GRADUATE, not during your summer breaks. I took classes during XXXX summer semesters, but not during every summer. By the time I was notified that my payment was overdue, I had thousands of dollars in interest that had accumulated the entire time I was in school. YEARS of interest while at the same time they were telling me I did n't need to make a payment because I was enrolled in college. It makes no sense. My loans are all broken up with letters of the alphabet, 2 As, 2 Bs, then letters C-G. I 've paid off C, but it cost me {$900.00} for a {$200.00} initial loan. Right now I 'm focusing on the higher interest loans, but after my payments so far, I owe XXXX on my Group D which was for XXXX. Ridiculous. I was getting a mortgage when I found out that my XXXX month grace period was over years ago, I called Nelnet, they had me mixed up with a different person. So they sent me an entire loan information package, all in XXXX, with student loans belonging to someone else. I called back, and they could n't tell me how much I owe, or how long the payments would go on for. 
Right now I 'm trying to pay them off as fast as I can, and I send extra every month. XXXX of my loan groups I do n't technically owe a payment on until XXXX of 2018. I pay every group. And then pay extra on certain accounts, and now I 'm sitting with an email from them saying I 'm {$5.00} short, and that {$5.00} payment is overdue. HOW? I do n't see it anywhere. I never pay less. It makes no sense. But it feels like they are just milking me for every dollar they can get. It 's ridiculous. 
I have a XXXX kids with a XXXX on the way, I was working while in school, the last thing on my mind was babysitting Nelnet when they made the terms of the loan very simple with the grace period and repayment arrangement. They are taking advantage of students, and I do n't think it 's right, fair, legal or just. 
I attended XXXX, as well as XXXX. 
Thanks-
Consumer complaint received 2016-08-01
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: JPMORGAN CHASE & CO. (CA)

Dear cfpb, after the real estate market crashed in XXXX XXXX California in XXXX, my husband and I both lost our jobs. We use all our reserves to make our mortgage and credit cards payments but few months later we were brooke.. Our new jobs could not cover our credit card payments and eventually, we were default on all credit cards and mortgage payments. I had also used my chase/wamu card to pay my chase/wamu mortgage. So after I became default with my credit cards by XXXX and XXXX. Chase sold XXXX of my credit card debts to XXXX and XXXX Attorney at law XXXX, XXXX on XXXX XXXX XXXX. And XXXX XXXX file a lawsuit and got a judgment on XXXX/XXXX/XXXX for XXXX. Since then they have aggressively taken money from my bank accounts various times leaves me without money to pay my modification mortgage or utility bills or groceries. They have continuously caused me tremendous pain and sufferings. It appears that Chase have had some agreements with CFPB and state attorneys general. But because chase sold this account to the collection before coming to an agreement with CFPB or the attorneys general, this collector continue to drain my account. Previously, they have taken over XXXX and now on the XXXX of XXXX XXXX, they have taken {$2200.00} from my account ( this is my mortgage payment ). Now I am devastated. Please help me
Consumer complaint received 2016-08-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: CITY NATIONAL BANK (NJ)

A debt collector named XXXX XXXX is using sheriffs in NJ to send me documents that he says he has filed with a court but he has not. This guy has broken the law I was told by a lawyer and is a very aggressive debt collector. The bank is in CA and I am in NJ now so I am also wondering what the rules are around that.
Consumer complaint received 2016-08-08
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: RMB, Inc. (NC)

I accrued medical bills from XXXX XXXX and XXXX XXXX system after an illness in XX/XX/XXXX and have been making monthly payments of between {$50.00}. and {$200.00}. per month to XXXX XXXX depending on how much I can afford each month.The original bill from XXXX was for {$1500.00} and my first bill was due in XX/XX/XXXX. I paid {$50.00}. in XX/XX/XXXX, {$100.00}. in XX/XX/XXXX, {$180.00} in XX/XX/XXXX, {$100.00}. in XX/XX/XXXX, and {$200.00}. in XX/XX/XXXX despite not receiving a bill in XX/XX/XXXX. My current balance is {$900.00}. and I expect it to be paid off by XX/XX/XXXX now that my other medical bill ( XXXX Healthcare system ) is paid in full. All bills were paid before due date. None were late! Today I received a letter from a collection agency for my unpaid balance affecting my credit. It would be another story if I were making minimal or late payments but that is not the case. This is n't right!
Consumer complaint received 2020-04-18
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 — Was not notified of investigation status or results
Company: CL Holdings LLC (FL)

on XXXX- i had my credit card theft due to a credit card skimmer. i was in possession of the bank card. I was placed a call to customer services for the detail. while on the phone with the customer rep i was advised of the person with credit card skimmer attempting to use the card in real time ( while on phone with XXXX   rep ) - I came into the XXXX XXXX, Florida Branch to put in a formal complaint and was told the bank manager would open an investigation and follow up with a report pertaining the findings Police Report XXXX case # XXXX
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (MI)

A lack of clear options and poor communications. Navient kept advising me to sign forbearance paperwork instead of taking the time to help me apply for an income-based repayment plan -- a better option ( less fees ) for which I did qualify. 

Tough to contact them in person for questions ; I feel like they always try to funnel all my communications to digital web site -- instead of talking to a real person who could help me.
Consumer complaint received 2020-04-18
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. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT WERE NOT MINE. THERE IS ONE ADDITIONAL ACCOUNT THAT IS REPORTING LATE PAYMENT HISTORY WHICH IS IN ERROR. I WAS NEVER LATE, SO PLEASE AMEND TO SHOW NEVER LATE. 
I HAVE SENT DISPUTE LETTERS ON XXXX-20 BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. WE HAVE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE STATUTES UNDER THE FCRA.
Consumer complaint received 2017-03-04
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (OK)

The service representative was harsh and not listening to my questions. Attempting to collect on a debt I thought was in a grace period because I had just finished school in XXXX and it is only XXXX. Why would know one contact me prior to this? I let her know I could n't afford the XXXX a month and I needed to lower my payments. They were aggressive and unwilling to hear it. I fully intend on paying my loans just needs to be something I can afford monthly as to not overextend myself. Hate that my loans even ended up with Navient.
Consumer complaint received 2016-05-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OH)

Hello, I 've been paying on my Navient private student loan since my graduation in 2010. I have had repeated instance of Navient mishandling my payments, resulting in late fees. I am also currently being charged over 10 % interest rates on XXXX loans which equal up to {$28000.00}. They have given no option to lower these interest rates, and when I call to handle billing issues, it takes hours on the phone to get the issue resolved, only to become an issue during the following months ' billing cycle. 

We need real help with private student loan scams from Navient. They are allowed to mistreat borrowers without any repercussion or oversight. I am seeking government assistance due to the fact that I ca n't pay my monthly premium, as well as afford to live. As I mentioned, I have been paying now for six years and my premium balance has increased almost {$10000.00} due to interest. 

We need help. 
Please. 

XXXX XXXX
Consumer complaint received 2021-11-26
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. (CA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (CT)

I have paid student loans with Navient and they keep reporting as Open on my XXXX credit report, this is causing me XXXX and making my life difficult as I have disputed so many times with no help. I would like this updated and removed from my report due to the XXXX it has caused me.
Consumer complaint received 2015-09-01
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (WI)

XXXX times now, I have requested that Discover Card not contact my former home number or my former employer number when trying to reach me regarding my account. I have been told that my account has reflected my " no call '' request but Discover Card is still trying to reach me at these numbers. This has become a harassment issue and violates my rights per the Federal Trade Commission. They are contacting these numbers multiple times per day even though it is clearly stated on my account that I issued a " no call '' request. I have spoken with several customer service members at Discover Card regarding this, all of whom have told me that they can see my approved " no call '' request noted on my account and that they should not be calling. Yet, they still are calling several times every single day.
Consumer complaint received 2020-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

Ive reached out to Equifax numerous times about incorrect information displaying on my credit report such as previous addresses, filed numerous disputes and still the information is going on unresolved, this issue is affecting my everyday of life and background checks, please help resolve as i have tried numerous times.
Consumer complaint received 2020-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (SC)

Two credit cards with chase bank had fraudulent charges on them performed by a business associate that went bankrupt. These charges were never authorized. 
Chase Bank show 's these as Charge off in XX/XX/2013. 
CardsCards # XXXX & XXXX. 

I disputed this with the credit bureau in XX/XX/2013. Other letters were sent to Chase Bank prior to that with no results
Consumer complaint received 2017-10-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

Ok, I was told the {$32.00} interest charge and {$6.00} on the XXXX XXXX, XXXX statement would be credited back to me by a rep on the phone. He looked over past purchases and saw spots where promos were not applied properly and I was charged too much interest. I was offered to get a credit for those XXXX interest charges, now the XXXX credit card people say that they cant do anything. This is wrong as it was promised to me!
Consumer complaint received 2020-04-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

There were three recent money transactions through Paypal I need to get back as soon as possible. The seller did not give me the product I paid for, so I need the money I sent them back. The first transaction was {$50.00} and its transaction ID is XXXX. The next transaction was {$50.00} and its transaction ID is XXXX. The final transaction was {$100.00} and its transaction ID is XXXX. This was done on my Paypal account. Thank you for your time.
Consumer complaint received 2016-05-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NV)

I went to my police station and got a police report just like Equifax told me to do and I sent them a copy and its been over 45 days and they still have not removed the item. The lady on the phone said when I sent her the info it would be gone in four days ; that was 45 days ago. As I have been researching on the internet a lot of people have had to file a complaint with this consumer financial protection bureau. Can you please look into this for me?