davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-06
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (WA)

I took a {$600.00} loan. Somehow I misinterpreted the repayment plan. I thought my finance charge would be {$210.00}. However, that is not the case. XXXX payments of {$200.00} have already been taken from my account.They are scheduled to take out {$200.00} every two weeks over the next year. I can not afford this, and was unaware. I 'm afraid that this is going to ruin my credit, as I can not afford to make these payment every two weeks, and I 've already payed back what I owed.
Consumer complaint received 2017-02-16
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (OK)

I paid a Best Buy credit card balance in XXXX ( amount XXXX ). Apparently this payment was received a day late. Then today XXXX XXXX, I receive a statement saying I owe XXXX in late fees and interest for not paying a XXXX initial late charge that was due apparently in early XXXX. I received no bill in the mail in XXXX and that did n't seem strange to me because I thought I had a XXXX balance. Now here is the issue. A XXXX late fee on a XXXX late payment is a 64.96 % late fee. This is not interest but usury! Now top that off with a XXXX late fee for not paying the XXXX bill ( which again I did not receive ) amounts to a 102 % late fee charge on the late fee. And this is legal?! It should n't be. Now the nice lady on the phone that heard my rant ( I did ask her how she could work for such a low life company ), was willing to remove the XXXX late fee on the late fee, which left me with a XXXX initial late fee to pay. I believe such a fee is immoral/and only describable as " greed ''. A {$10.00} late fee and the check would have been in the mail as soon as I knew I still owed anything ( which I remind you was TODAY, not sometime in late XXXX with a due date in XXXX ) but a nearly 65 % late fee. I 'm not taking it lying down. Irony : I just spent {$1400.00} at BB two weeks ago on a new computer. I am seriously considering carrying it right back in and asking for a refund. So BB you can take me for {$27.00} or I can return my {$1400.00} computer. You decide. Have a nice day.
Consumer complaint received 2021-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Chime Financial Inc (CT)

I have been getting emails over the last several days ( XXXX - XXXX ) asking me to activate an account that I have never asked for at Chime Bank . When I called them, they kept on asking me for my personal information. They have an account associated with my phone #. When I refused to give them my information, they said there was nothing they could do. They have been hacked twice in the last two years. I will not give them my information.
Consumer complaint received 2016-02-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TN)

I am writing to file a complaint against Experian On previous validation of request, Experian failed to provide the true date and its validation to 1st delinquent date negative item has been reported on my credit report more than 9 years I called creditor and it stated they have stop reporting after XXXX 2015 Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with EXPERIAN to date. 

I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. 

Thank you for your assistance.
Consumer complaint received 2016-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

Equifax said : Explanation of closure I have a confirmation from Equifax " please see below " From XXXX XXXX 2016, however, this item still not reporting on my Equifax credit report. 
" Equifax has reviewed your complaint and its records regarding your dispute. XXXX XXXX should begin appearing on the credit file within the next 60 days. Written confirmation has been sent to you. ''
Consumer complaint received 2016-01-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

I tried getting a home loan and was denied due to wrong information on my credit report. It states I was 90 days late on my XXXX XXXX credit card which is incorrect. I contacted XXXX XXXX and I have never even been 30 days late on my payments.
Consumer complaint received 2017-03-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MA)

I have filed several complaint about the collection agency XXXX, Address XXXX, XXXX XXXX, XXXX, SC, XXXX. Amount of debt is {$3500.00}. 
Equifax has not removed this account even though I have disputed this account several times. XXXX has removed it, but Equifax has refused to remove account. 
The account # listed to Equifax is XXXX to XXXX amount owed {$3500.00}
Consumer complaint received 2015-04-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (AZ)

Our home ( primary residence ), as a result of 2008 crisis, was sold at a Short Sale. The home is located in Arizona, an anti-deficiency state. More than 2 years has elapsed and our credit is now reasonable ( XXXX ) per credit karma but each of the XXXX reporting agencies show the mortgage debt which was with XXXX XXXX Bank as " Settled for less than full balance ''. My understanding is that applicable law in anti-deficiency jurisdictions is that the language under these circumstances should be ( Paid as agreed } and while I have exhausted every complaint and supervisory board request involved with XXXX XXXX, XXXX and Equifax, none has agreed to alter the statement concerning my short sale to Paid as Agreed. it is my understanding that since a borrower is not personally liable for a loan such as this, it is inaccurate for the lender or the credit reporting agencies to report the short sale as anything other than " paid as agreed ''. The XXXX XXXX loan was # XXXX with a physical address of XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, Arizona XXXX
Consumer complaint received 2015-07-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

I am writing to dispute being charged fees in the amount of {$710.00} on my account. The amount is inaccurate and I am requesting that the error be corrected. 
When I lost my job and I was late I called Seterus and I was told they are here to help so I tried to get a modification, but I was they declined, so they worked out a payment plan with me and I would not be charged any fees. 
In XX/XX/XXXX and XX/XX/XXXX I had financial problem so I only paid a portion of my mortgage because I was told to pay something then I realized the money was not going towards my mortgage, I called Seterus and that 's when I was told that I have been being charged late fees since XX/XX/XXXX and the portion of the money that I have been paying was only going toward fees, which I did not know I had. 
Also they charged me fees to go by my house when I 'm talking to them and telling them that it is occupied I believe that this company is unethical and the FTC should have them investigated. 
Please investigate this matter and correct the billing error as soon as possible.
Consumer complaint received 2017-01-31
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: SLM CORPORATION (TN)

I have XXXX Sallie Mae loans. I just finished school in XXXX and now they are constantly wanting money. They told me they do not have the same plans as Federal Student Loans. I do not have a job, yet. Usually, they wait 6 months after school. Sallie Mae did not even wait a month. Then, they made me pay late payments when I do not have a job. They told me they had no income driven plans. So, now I have to do forbearance with a rate of interest 10.25 % which is ridiculous. I have XXXX Sallie Mae loans when I looked at the total interest, I nearly passed out. On XXXX loans, they want to charge me XXXX dollars. The total I took out together was XXXX dollars ... XXXX is interest is highway robbery.
Consumer complaint received 2017-02-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (OH)

I can not believe this is on here!!!!! Goes WAYYYYY back when I had XXXX as phone carrier until they were bought partially by XXXX ... I was release from XXXX and went with XXXX .... I can provide the release from them IN WRITING AGAIN ... They apparently did not notify this credit bureau ... Notice it is NO WHERE else.. Get it OFF of here before I sue The provider of this ...
Consumer complaint received 2015-05-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MD)

I would like to dispute XXXX XXXX XXXX. I paid this card off I believe in XXXX 2014 in full at the XXXX XXXX XXXX in the XXXX XXXX. Experian Credit Reporting Agency is reporting negative information of their site and this account has never been late always pay of time and as of today it is paid in full.
Consumer complaint received 2015-11-19
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

Had a man call me claiming he was a detective and I owed on a payday loan for Ace cash express claiming that I had missed a civil suit court date today and that if I I did n't pay the amount owed he would have the bench warrant executed and I would be taken to jail. He said I needed to pay what was due today which was a little more than XXXX dollars or I would be taken to jail until they give me another court date. Threatened wage garnishment and my license being suspended and when I told him I had no money due to my situation he said I need to borrow money for a down payment or I would go to jail. I was never even served with any type of lawsuit. I honestly felt so scared and had no idea what to think but when I get off the phone with him I reversed the telephone number and it went to an XXXX XXXX XXXX I believe and saw many reveiws claiming it was a scam.
Consumer complaint received 2017-02-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (IL)

I have disputed the federal tax lien on my credit report with all XXXX agencies. Experian has removed the file from record but XXXX and XXXX refuse to remove the lien even after i have given then written proof of its dismissal. I have enclosed a copy of the Certificate of Release that is on file with the XXXX County Recorder. I would appreciate any help in removing this from my credit file for good.
Consumer complaint received 2017-04-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

An account was fraudulently placed on my credit file by Experian. below is the account information i have requested a proper verification several times from experian to prove that the account is mine OR ELSE LET THEM DELETE IT, each time there response will be account validated without no proof for me. 

ACCEPTANCE NOW ACC # XXXX DATE OPENED XX/XX/2013
Consumer complaint received 2016-01-13
Product: Credit card — 
Issue: Bankruptcy — 
Company: DISCOVER BANK (FL)

discover bank credit card was declared in bankruptcy on XXXXXXXXand discharged on XXXXXXXXand was reporting correctly to XXXX as 0f XXXX but effective XXXX started reporting to XXXX as an open account with outstanding debts. 
account # XXXX
Consumer complaint received 2016-03-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (FL)

Experian allows XXXX XXXX XXXX to violate Federal Bankruptcy Laws in reporting false information. I am not 30 days late, The payment for XX/XX/2016 was not due, as I filed Chapter XXXX Bankruptcy on XXXX/XXXX/2016 The both accounts ending in XXXX and XXXX have been included in my Chapter XXXX Bankruptcy that was filed on XXXX/XXXX/2016
Consumer complaint received 2015-07-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AmeriCollect (WI)

I have received XXXX voicemails from " Americollect, '' phone # XXXX, claiming they are trying to collect a debt from me, but giving no info. I responded using this email address, but gave no personal info, and asked what debt and for whom? I received an email response which gave no answers but appears to be a fishing expedition. 

I do n't know of any outstanding debt.
Consumer complaint received 2022-08-04
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. (NJ)

in accordance with the Fair Credit Reporting Act XXXX Account # # # # # # XXXX, # # # # XXXX, # # # # XXXX, # # # # XXXX, # # # # XXXX, # # # # XXXX, # # # # XXXX, has violated my rights. 15 USC 1681 section 602 A states i have the right to privacy. 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. also, in accordance with the Fair Credit Reporting Act XXXX USC 1602 states financial institution can not disclose any personal information to a third-party non-affiant without my permission. - ( XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX NY XXXX ) ( XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX NJ : {$50.00} : {$50.00} : {$50.00} : {$50.00} : {$50.00} {$310.00} ) XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX also violated USC 1681 and 1602. I also do not recognize this account.
Consumer complaint received 2016-11-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (CA)

I have my loan thru SunTrust Mortgage. # XXXX I am unemployed at the moment and have just been approved for the KEEP YOUR HOME CALIFORNIA, Unemployment Mortgage Assitance program I am trying to open an escrow account so I can get my property taxes paid in FULL thru the program SunTrust says I am unable to open the escrow account because it has to be 60 days out and I am 40 days.The taxes are Due XX/XX/2016 I am trying to get this all taken care of so my mortgage and taxes are paid I have never been late on any payments or taxes Please let me know how I can get this resolved Thank you very much
Consumer complaint received 2016-06-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (MI)

AES had my loan deferred when they were aware that I was no longer attending classes. In doing this they increased the amount of accrued interest substantially. My payments are now unbearably high due to interest charges accrued.
Consumer complaint received 2016-02-04
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: QuickClick Loans of Illinois, LLC (GA)

I never not received a judgement demand letter from this company. I never received any communication from this company about the outstanding debt.The first communication was sent as a form of garnishment to my employer. My employer notified me. After I spoke with the representative from Quick Click Loans, I was told I did not have to be notified.
Consumer complaint received 2016-11-29
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (NC)

Been receiving e-mails from this company stating that I owe them for a payday loan. This has been going on for the past 3-4 years and I am tired of it. I have asked several times for information stating that I received this loan, but I keep getting the run around and they say they ca n't because they have several companies that they work for. I told them that if they have my information and the contract that I signed that they know the company that they claimed I received the money from. I have basically all of the e-mails that have been sent and I have sent back at them requesting all this information.
Consumer complaint received 2016-05-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

EXPERIAN IS THE ONLY CRA NOT REMOVING THE INACCURATE PUBLIC RECORD FROM MY CREDIT REPORT. XXXX AND XXXX HAS REMOVED IT AS SOON AS I PROVIDED THEM WITH PROOF OF THIS BEING INACCURATE. SAME INFO WAS SUBMITTED TO EXPERIAN BUT I KEEP GETTING THIS AUTO GENERATED LETTERS, ONLINE ACCESS IS NOT AVAILABLE AND IT IS IMPOSSIBLE TO GET AHOLD OF A LIVE PERSON OVER THE PHONE. MY LAST CALL TO EXPERIAN I WAS ON HOLD FOR 2.34 HOURS UNTIL I RAN OUT OF PATIENCE. THIS IS INACCEPTABLE, IGNORANT AND A VIOLATION OF MY CONSUMER RIGHTS. 
EXPERIAN IS NOT COMPLIANT WITH FCRA RULES AND REGULATIONS AND MUST BROUGHT TO JUSTICE
Consumer complaint received 2016-11-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Stellar Recovery, Inc. (ID)

I paid this debt once I had cancelled my service. Once this went into collections with XXXX I disputed it and asked them to send me anything showing what I owe. They never did and instead sent me a letter saying they could not validate the debt and would remove from all credit bureaus. Two months later another collection agency popped up on my credit with the same debt saying I owe them. I contacted them immediately requesting proof and they never sent it. This should not belong on my credit and I am trying to buy a house and it is affecting my score. These companies should not be able to keep hassling you even after they ca n't prove a debt. When does it stop?
Consumer complaint received 2016-04-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

THERE ARE SEVERAL CREDIT INQUIRES RESIDENT CHECK, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, AND XXXX INQUIRES ARE ON MY CREDIT REPORT THAT HAVE BEEN DISPUTED SOME HAVE BEEN REMOVED BUT SOME REMAIN THAT DID NOT HAVE AUTHORIZATION TO PULL MY CREDIT REPORTS I REQUESTED VALIDATION TO SHOW WERE I AUTHORIZED THESES CREDIT INQUIRES AND IMPROPER RESPONSE WAS SENT BACK NOTHING SHOWING WERE I SIGNED TO HAVE MY CREDIT PROFILE PULLED
Consumer complaint received 2017-03-07
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (AL)

On XXXX/XXXX/2006, I took out a {$13000.00} private student loan with XXXX XXXX at a 3 % interest rate. To date, I have made payments totaling {$14000.00}. The interest rate is now 10.25 %, and the balance is now {$24000.00}, with a required $ XXXX/month payment, that increases each month. I am paying {$6.00} per day in interest. If I continue on the current course, I will have payed Navient over {$62000.00} for a {$13000.00} student loan. I have contacted Navient on multiple occasions to try to refinance my loan and/or remove my cosigner, but have only gotten the run around. I understand that I took out a loan, and I believe that I should repay that loan with interest, but I do n't think that I should have to repay it 5 times over. ( I pay this loan on time every month, and have not been late on a payment in 5 years. )
Consumer complaint received 2016-08-24
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (CA)

Eqifax stated that they were unable to provide an online report of my credit and wanted a mailed in request. Because my mail is not secure I do not desire a mailed copy and want an online report. Eqifax is denying me the option of an online report there for denying me the free annual report.
Consumer complaint received 2015-04-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

I have multiple loans with Navient. When I make monthly payments they consistently mis-allocate my payments among loans so that I overpay on some loans and underpay on others, resulting in them charging me late fees. I then have to have lengthy phone conversations to resolve this. This has happened on multiple occasions.
Consumer complaint received 2017-02-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ATG Credit, LLC (SC)

debt collection remaining on credit report after 50 days dispute process violation of FDCPA, credit reporting on all XXXX bureau disclosure of verification Delete all collection from all XXXX credit bureau reporting agency
Consumer complaint received 2016-06-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

I got an following email from Citibank about a promotional offer where-in if I open a citigold account with the promotion code : XXXX and then meet the following requirements, then I 'll be getting the XXXX American Bonus miles after 90 days ( starting from the last statement after the requirements are met ) Requirements : 1. Spend {$1000.00} on the debit card 2. There has to be 2 consecutive bill payments in consecutive 2 months. 

I met both the requirements in XX/XX/2016, then I waited for the statement generated on XXXX XXXX 2016. After that I waited till 90 days ( 3 statements ) i.e the statement generated on XXXX XXXX 2016, still i have n't ' got the XXXX miles. 

After that I called the customer care of Citibank multiple times, escalated the case to supervisor, still nothing happened. Waited for next month statement as well on XXXX XXXX 2016 which was delayed by 2 days and I finally got it on XXXX XXXX 2016, still no miles. 

This is same scenario with couple of my friends as well. 

So I was left with no other choice, but to raise a complaint against these cheaters who make false promises just to attract customers in the beginning and then they never fulfill their promises. 

If I wont get my deserved/earned XXXX American bonus miles, I 'll close my Citibank account and I 'll never open it again. 

Hope you understand my frustration here and help me get my XXXX American miles from Citibank. 

Thanks and regards, XXXX XXXX XXXXXXXXXXXX XXXX
Consumer complaint received 2016-03-22
Product: Prepaid card — Gift or merchant card
Issue: Advertising, marketing or disclosures — 
Company: CITIBANK, N.A. (CA)

they issued my XXXX cards and as I understood that the cards can be expired but not the fund. so when my cards expired, I requested for cards to be reissued and they refused to do so. I would like CFPB to look into this matter and protect me as a consumer fairly so I can get my funds back. Please contact me if you need any further information.