davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (SD)

I attended XXXX XXXX XXXX XXXX in XXXX and XXXX. Due to multiple class action lawsuits, the schools parent corporation, XXXX XXXX XXXX, went bankrupt and closed every single one of its schools. Previously I had been lied to about the salaries and the availability of work in a career in hospitality. I was told multiple times by multiple people that entry level salaries could be XXXX dollars or more. This was a complete and utter lie and had I known what the hospitality industry paid entry level employees I would NEVER have attended the school. I was forcefully encouraged to " hurry and sign '' loan documents without any explanation of fees and the overall cost of this education. Since I started repayment in XXXX, my original loan amount of XXXX dollars had doubled. I have been paying these loans for 17 years and my total current balance as of today is just under XXXX dollars. I have been paying MORE than my monthly payment amount, and my loans are not even being dented. I feel that I have been taken full advantage of by a horrifyingly predatory company, Navient who services my private loans. 

To date, I have already made nearly XXXX dollars in total payments, and yet my balance remains at just over XXXX dollars on an original loan amount of XXXX
Consumer complaint received 2022-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: KEYCORP (OH)

Disputed Credit Card Transaction on XX/XX/XXXX - XXXX Hotel Reservation {$180.00} Case # XXXX XXXX. I booked a hotel reservation for one night at the XXXX XXXX XXXX XXXX in XXXX, Kentucky for the night of XX/XX/XXXX checking out on XX/XX/XXXX. My company, XXXX, then changed the date of the business travel to the following week for the night of XX/XX/XXXX checking out on XX/XX/XXXX about a week to ten days after the original booking. 
2. I contacted the booking hotel reservation service about a week later on XX/XX/XXXX in an attempt to revise the hotel reservation for the same hotel, same location to the XX/XX/XXXX which my company changed as soon as I received notice. This notice and contact was still at least a month to 6 weeks out from the hotel stay that I was attempting to book/change. 
3. I requested a change at that time on XX/XX/XXXX and when they declined to make the change to the new reservation date, I then requested a full refund speaking to both the call center representative as well as several supervisors to voice my displeasure, the poor customer service, and deceptive practices. 
4. I do not have a documentation to support the terms of the agreement. This was not provided by the vendor. I only received an email with the original reservation details.

5. Provided as available. 
6. I do not have a cancellation confirmation number since they declined during the phone conversation to reimburse me for the charge or change the reservation to the new date. 
7. I do not have a supporting documentation that a credit is due since they declined during the phone conversation to reimburse me for the charge or change the reservation to the new date as per my original and preferred request.
Consumer complaint received 2022-07-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. Auto Sales Inc. (GA)

I purchased a XXXX XXXX XXXX in XXXX from US Auto Finance. I purchased XXXX XXXX along with the policy. I was never late on a payment. I had XXXX deferments due to repairs on the car. In XX/XX/XXXX, the car was a total loss due to no fault of mine. XXXX was the other parties insurance company. I notified US Auto Finance of the total loss on XX/XX/XXXX. I was told that the payments would be put in deferment until paid off. XXXX sent a check for {$9500.00} on XX/XX/XXXX. I contacted US Auto to ask that they process the XXXX  claim on XX/XX/XXXX. I was told they would process the XXXX claim 90 days after they received the check. During this 90 days they have failed to post the check to my account, instead they posted a late payment to my credit report on XX/XX/XXXX and still haven't stopped charging interest on the balance. So they are purposely waiting 90 days to get another 90 days worth of interest fees and are posting to my account late payments after receiving a check for {$9500.00} for my balance. They have failed to send the title to XXXX for the total loss claim. US Auto have also failed to update my credit report of the {$9500.00} payment. My credit score dropped by XXXX points due to this false reporting of a late payment. I have been working on my credit reporting after XXXX XXXX which is why I had to purchase a car from US Auto. Since this time I have NEVER MISSED A PAYMENT WITH ANY OF MY CREDITORS AND MY CREDIT SCORE WAS XXXX NOW DROPPED XXXX POINTS
Consumer complaint received 2022-07-09
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. (FL)

In accordance with the Fair Credit Reporting act XXXX 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 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

All Students loans were Paid-In-Full with XXXX back in XXXX XXXX Credit Bureau still shows a balance of $ XXXX. I demand to have to correct balance reflected as XXXX $ Immediately!
Consumer complaint received 2022-07-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION (NJ)

The borrower initially reached out to the Loan Servicer ( Sallie Mae ) in XXXX 2022, requesting a co-signer release. Borrower has fulfilled the requirements stipulated by Sallie Mae : 1- Submit a signed and fully completed application. 
2- Be old enough to enter a legally-binding contract in your state of residence. 
3- Be a permanent resident at the time you submit the request. 
4- Provide proof of income. 
5- Be current on all Sallie Mae-serviced loans at the time of application review and have not been 30 or more days past due within the last 12 months. 
6- Demonstrate a satisfactory payment history on the loan ( s ) requested by pre-paying an amount equal to the required 12 principal and interest payments or by making the required 12 on-time principal and interest payments. 
7-Have had no student loan ( s ) in a hardship forbearance or modified repayment program for the 12 months before you apply. 
8-Demonstrate the ability to assume full responsibility for repayment of the loan ( XXXX ). 

Borrower has requested the co-signer release 3 times - XX/XX/2022, XX/XX/2022 and XX/XX/2022. Each of these times, the request has been denied, even when the borrower complies with all the requirements established by Sallie-Mae to release the co-signer. 

Co-Signer has contacted Sallie-Mae multiple times via the Chat Feature of their website, and each time he has contacted the loan servicer, they provide different information, with the last communication mentioning the following : " Unfortunately, we could not approve the request because the borrower did not meet our eligibility requirements. You will remain equally liable for the Current Balance of the loan. In order to protect the borrowers private information, we are unable to provide the specific decline reason ( s ) to you. We encourage you to speak with the borrower for the specific reason ( s ) as to why the request was declined. The borrower can request a reconsideration. '' The co-signer is authorized to communicate with the loan servicer to know the status of the application of the co-signer release, which was submitted by the borrower. Sallie-Mae mentions that information on the application can not be communicated to the co-signer, even when the co-signer provided financial and personal information to initially process the loan. Therefore, the loan servicer is not complying with providing adequate information to the co-signer and the borrower.
Consumer complaint received 2019-05-10
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. (FL)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX FOR MY XXXX XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rausch Sturm LLP (OK)

submitted dispute to XXXX Credit report Agency, 2 weeks later no conclusion? 
their report has wrong information on a 10 year old credit card account from XXXXXXXX XXXX. both XXXX and XXXX have the same account closed in XXXX  XXXX. here in Oklahoma, debt based on written contracts have a limitation period of 5 years ( O.S. 95 ( 1 ) ), while oral contracts may only be collected upon for up to 3 years ( O.S. 95 ( 2 ) ). Attachment, or the legal seizure of property or a person, has a statute of limitation of 5 years ( O.S. 95 ( 5 ) ). 

this account is reaching 7.5 years old 2.5 years past the prescriptive date of the legal limitations?
Consumer complaint received 2021-12-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MI)

Dear Sir/Madam, My name is XXXX XXXX XXXX XXXX XXXX residing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX. My phone number XXXX. I am reaching out to you to complain about Citibank 's unethical business practice. 

I saw Citibank 's advertisement on their website regarding a welcome bonus if a prospective applicant opens a checking account and deposita certain amount of funds within 20 days of opening the account and maintains the balance for XXXX days. The amount of bonus varies depending on the amount of funds on the XXXX day of account opening. I have attached a pdf version of their website advertisement to this complaint for your reference. I wanted to deposit 50,000 USD and maintain that balance for XXXX days to collect a 700 USD welcome bonus. Accordingly, I signed up for a basic checking account online ( Application ID : XXXX ) on XX/XX/XXXX and provided supporting documentation as requested by Citibank that day. As per the offer requirement, I should have deposited the amount by XX/XX/XXXX which is today. I could not deposit the funds because Citibank did not provide me with an account number yet. However, I have been receiving emails from Citibank reminding me that I should deposit funds into the account. THose emails provide my account number but only the last XXXX digits. I reached out to their customer service XXXX times since I signed up to request them to provide me with a bank account however, they said that the documentation that I provided needs to be verified which takes XXXX business days and until then they can not provide me the bank account number. It has been XXXX days and they did not complete that verification and so they did not provide me with the bank account details. They did not contact me to update me on where the process is and if any additional/supporting documents are required to complete the verification. 
I called customer care to ask if they will extend the eligibility grace period as they did not provide me with the details to deposit the funds, they denied it and said that I lost my eligibility. When I requested to escalate the issue to a supervisor, the customer service representative put me on hold but later disconnected. I later did not receive any communication or call from the supervisor. This is unfair as they did not create an account in time and for their inefficiency, I am having to lose 700 USD. I explained to them that it is not my mistake and that they failed their responsibility but they disagreed. This is a classic example of " Bait and Switch ''
Consumer complaint received 2022-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (MD)

I have been trying to close my Macy 's online account as well as cancel the actual Macy's/American Express credit card for over three months. My desire to close this Platinum account started when my card was lost/stolen and I requested that Macy 's issue a new card. After over two months of contacting Customer Service and calling and writing numerous times, I have yet to receive a new card from Macy 's. However, Macy 's ( card issued by Department Stores National Bank ) took it upon themselves to put a new credit card account number on my online account without me ever receiving a replacement card or knowing the full account number, expiration date, or security code. It is like someone else has control of my identity. I have written Macy 's executive offices twice and received a letter back ( no return call or email ) for which they took no responsibility for my dilemma, dismissed my concerns, and again told me to contact Customer Service. They say in order for me to resolve anything, I must provide my full SSN on the telephone to one of their Customer Service staff, for whom I have no trust or confidence. 

I have been paying my 0 % interest balance via this new account and I am not sure if this is really legit either. I feel like I am caught between a rock and a hard place. 
I would immediately pay the balance if I can receive a FINAL bill and some type of confirmation of the full account details. FYI, I earned Platinum status using the initial credit card that was deemed lost or stolen. Macy 's has since changed that status to Bronze without any record or documentation. 

At this point, all I want is for Macy 's to send me a FINAL bill, close/shut down my online account completely ( there is no way for me to do this myself ), and show proof that the credit card established in my name is cancelled and no other card is created in my name. I want my personal information to be totally dissolved from Macy 's records as I have no confidence in doing business with them ever again. 

I must add that five or more years ago, I had a Platinum account with Macy 's and they changed my address without my knowledge. I vowed then that I would never establish a relationship with them again ; but went against my own conviction. This time, when this situation is adequately resolved. I will no longer do business with Macy 's. This has truly been a mental and financial ordeal. 

Please help!
Consumer complaint received 2022-11-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

Company is Navient- it appears a student federal loan went from a Sallie Mae loan to a private loan loan with Navient , This occurred in XXXX. I participated in payments only due to a verbal agreement with XXXX  daughter. Navient insisted I was the co-signer so I agreed to payments until my verbal agreement was met. The first conversation I had with Navient or any lender was XXXX. I asked them to send all paperwork to me regarding this loan. None was ever received.Iin XXXX I made every loan payment and my verbal agreement with XXXX  daughter XXXX was met. In XXXX of XXXX I got aggressive with Navient made many calls and sent letters. I finally received bre minimum pperwork. The first was the Sallie Mae Signture Loan application with a signture which was intended to be mine. The second was a payment sheet which showed every payment I made and thousands in fees called capitalization. In a phone call a worker advised me that it was noted that I was not to receive ny pperwork? I called from the fraud team to prove my signture. Their feel reply was I was denied because I never sent them a fraud police report on the matter. From XXXX till XXXX there was no fraud. I was. XXXX XXXX XXXX XXXX XXXXn XXXX XXXX XXXX XXXX. XXXX  resident in XXXX XXXX. If its true I was not to be told nothing why wasnt that paperwork included. Therefore not one notification from either Sallie Mae or Navient was ever sent to me or that paperwork would have been included. Navient is not and has not acted propriety with this matter. I will file any paperwork or file an active complaint If NECESSARY. Thank You
Consumer complaint received 2022-11-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

On XX/XX/2022, we were scammed by someone who claimed he worked for XXXX XXXX and said our computer had been hacked and funds had been taken from our Citibank checking account. Over a few days, he convinced us that the FBI were investigating it and frightened us into making a couple of wire transfers totaling {$87000.00}. We were told to lie to the bank 's representative because someone inside Citibank was behind the fraud. When we learned on XX/XX/2022 that the phone number we had been calling was fraudulent, we called Citibanks fraud department to report what had happened and on XX/XX/2022, we submitted an elder complaint to the FBI Internet Crime Complaint Center ( https : //www.ic3.gov ). On XX/XX/2022, we received a letter from Citibank letting us know that our fraud claim had been denied. On XX/XX/2022, we wrote back to Citibank appealing their decision since Citibanks denial clearly concedes that this was a scam, and EFTA expressly forbids denial of a claim due to any negligence by the customer. We received an identical letter from the bank to the first one.
Consumer complaint received 2022-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (OH)

I was solicited by mail by Synchrony Bank to open a XXXX. Terms say on envelope and on enclosed document if I purchase {$1000.00} with the card within 3 months I would get a statement credit of {$100.00}. 

I purchased approximately {$1600.00} within the first couple of weeks after I received the card. The bill came via email to pay online. When I looked at the statement there was no {$100.00} credit which is usual for other cards I have which gave similar incentives. I did pay the bill in full. 

I called the company and was told by a representative that I would not receive the {$100.00} until 5 MONTHS from now. That the 3 month period would have to pass and then it would take 1-2 months to process the credit. He claims this is what their terms say. It does not. It says credit applied within 3 billing cycles. Well, this is within 3 billing cycles. Not much of an incentive to use the card any more.
Consumer complaint received 2022-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (TX)

XXXX. Refinanced our conventional mortgage with XXXX XXXX in XX/XX/XXXX XXXX. PNC purchased/received our loan to service XX/XX/XXXX XXXX. We contacted PNC to remove our XXXX payments early XXXX because our XXXX has dropped below 78 % and followed up multiple times through late XXXX. We even sent {$150.00} check ( at the direction of XXXX of their loan officers ) to pay for XXXX. The check was returned to us. 

We communicated with multiple bank officers. We are XXXX  and have conducted XXXX 's ourselves and there should be no problem proving the value of our home is close to 65 % of our existing XXXX. We are willing to follow any procedures they have to process the removal of the PMI. 

What PNC is saying is that when we XXXX XXXX with XXXXXXXX XXXX they put a 2 year restriction that XXXX could not be dropped in that time. We contacted XXXX XXXX and they have no such policy and there is nothing in the XXXX docs we signed with them. 

PNC has maintained all this time that there is a time restriction preventing the removal of our XXXX. They have failed to provide any documentation to this. 

We have never been late on any payments. We have maintained any and all required escrow items. We have excellent credit and payment histories on all credit accounts. 

I also believe this restriction goes against the law in place that requires a lender to remove XXXX when the XXXX drops below 78 % of the value of the home.
Consumer complaint received 2022-07-09
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. (IL)

It appears to be a few inquiries on my credit report that i am unaware of, it appears that someone utilized my social to potentially get credit cards, and or auto loans under my name. 

XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Please investigate this as it violates my consumer rights as these inquiries are obsolete and in accurate.
Consumer complaint received 2022-07-09
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX Auto 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