davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (CA)

I filled out an application for the REPAYE program on XX/XX/2023. My application when into Administrative Forbearance. Then in XXXX my payments restarted at {$410.00} when my payment was only supposed to be {$100.00}. After calling I discovered that because I didn't pay {$5.00} I am now out {$300.00}. The form I filled out says " I request '' a reduced payment of {$5.00}. I never received a bill and have always been in autopay so I did not pay the {$5.00}. Subsequently my application did not go through and now I have to apply again. Mohela essentially stole {$300.00} from me.
Consumer complaint received 2015-09-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

THERE IS INFO ON MY REPORT THAT IS NOT MINE AND INCORRECT PERSONAL INFORMATION I NOTICED WHEN IT WOULD NOT LET ME LONG IN TO LOOK AT MY REPORT BECAUSE OF THE FALSE QUESTIONS IT WAS ASKING ME
Consumer complaint received 2024-01-24
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (TX)

Account info Account name JEFFERSON CAPITAL SYSTEMS Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2000.00} Balance updated XX/XX/XXXX Recent payment - XXXX  payment - Original balance {$2000.00} Highest balance - Terms XXXX XXXX On record until XX/XX/XXXX XXXX
Consumer complaint received 2016-07-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am filing a complaint because TransUnion has ignored my request to provide me with documents that their company have on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. 
Thank you.
Consumer complaint received 2020-10-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I called Capital One in XXXX because of a improperly allocated {$450.00} payment.

When I called and talked to the agent he told me he was going to re allocate the payment properly to bring my account current.

I got an email saying my account was nearing 30 days past due so I called back in, and asked them to pull the call and see that I was promised re allocation and they didn't deliver that.

After that I was told that they actually can't even allocate that payment and was never told.

So we got to a manager who than designed my payment plan to fall into COVID-19 relief and get moved to the end of the loan with a grace  period until XXXX or XXXX. 

Fast forward to XX/XX/XXXX that didn't happen as I got another note saying my account was now 17 days past due. So when I called in again explaining I was promised something that they didn't deliver because the improperly trained staff and I didn't understand why I was being held accountable for their misinformation. 

Than they hung up on me and I wasn't even being rude, I called back and now they moved another payment but still haven't addressed or fixed their breach of contract. 

Capital One is breaking contract by promising things they aren't delivering and I don't know what I can do at this point.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (NY)

My student loans were transferred from XXXX to XXXX in XX/XX/2023, yet XXXX continues to report my accounts as " open '' to the credit reporting agencies. As a result, XXXX is reporting my " Total Debt '' as almost XXXX  the amount it actually is. 

I contacted XXXX several weeks ago to complain and was told the accounts would be updated to show that they had been transferred to XXXX. That didn't happen. 

I then complained to CFPB. XXXX responded to the complaint to say that they were waiting for XXXX to remove a " suppression '' from my account. 

Meanwhile, I disputed the XXXX accounts with XXXX. Not only did XXXX *not* update my accounts, they INCREASED THE BALANCES!!! Out of spite? Thanks, " XXXX XXXX, '' whoever you are.
Consumer complaint received 2016-12-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

I inquired online on XX/XX/2016 about when a {$300.00} bonus would post to my account. I received a message back that I would receive a response in XXXX business day, I waited until XX/XX/2016 and after not receiving a response, I replied to the email about a status. On XX/XX/2016 I receive a response from a XXXX with an email tag of Sovereign Bank stating that if I still needed assistance to call their customer service phone number. It took customer service 5 days to reply with no resolution and to have me then call them back. This is unacceptable service.
Consumer complaint received 2024-03-27
Product: Credit 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: Chime Financial Inc (MD)

On XX/XX/2024 I used Chime Financial, inc. credit builder account to pay my Washington XXXX XXXX Washington XXXX emailed me and sent me a paper copy in the mail stating that the payment was declined and that I need to pay my bill. Chime Financial, inc. is claiming they dont know what happened to my {$90.00}. Now my money is missing and I want it back.
Consumer complaint received 2024-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. ()

* Fri, XX/XX/2024 : I tried to connect to my Chase account online to initiate a transfer of funds out of my account. After entering my username/ password, I received the following message : >>> We locked your account due to suspicious activity. 
Call XXXX to unlock it. 

Please note that you will not be able to access your account information, documents or statements online or on the mobile app until we unlock your account. 
<<< A similar message was displayed on the Chase mobile app. 

* Sat, XX/XX/2024 : I called the number displayed on the message and asked why was the account suspended and when it would be reinstated. The rep didn't tell me why but told me to wait a few days and to call back the following Friday if the issue wasn't resolved. 

* Fri, XX/XX/2024 : Access to my account is still suspended. I called back and received even less information : no reason, no timeline. When I insisted to get more specific information, the rep hung up.
Consumer complaint received 2024-02-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (TN)

Storm Happen in XXXX in XXXX and we was effected by the tornado. So I reached out to my insurance company and filed a claim. So my insurance company cut me a check for the sum of XXXX the XXXX of XX/XX/2024 and when I went to Wells Fargo ( XXXXXXXX XXXX  ) and I cash the check paid my contractor to get started on the work. Upon my contractor going over the damage he discovered mold in my son closet so picture was taken and sent to my insurance company. Long story short my insurance company cut me another check for edition damage. I go back to the same branch Wells Fargo XXXX XXXXXXXX XXXX XXXX  and deposit the other check in the sum of XXXX on the XXXX XXXX XX/XX/2024 the teller XXXX told me that the funds would be available the next day. Next day I go withdraw XXXX out the bank same branch same teller XXXX. I send my wife XXXX the same day. Now on the XXXX of XXXX the check return because of UNUSUAL IMAGE. I'm in the negative that XXXX and they still have not explained anything they are investigating. My mortgage payment has came back I'm in a huge hole
Consumer complaint received 2017-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (MI)

I am on XXXX for XXXX I have been trying to work with nagvientXXXX. I have sent in paperwork to try to get my student loans forgiving. Now I am in default. I do n't know what to do.
Consumer complaint received 2016-06-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MN)

Someone stole my personal information and identity and opened up an unauthorized and fraudulent credit card account with XXXX. The account or debt do not belong to me. The following inquiries are unauthorized and fraudulent : XXXX, XXXX, XXXX, XXXX. I have been receiving harassing and threatening telephone calls and death threats from XXXX representatives.
Consumer complaint received 2016-08-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (PA)

I settled an account with XXXX in 2015. I have disputed it 3 times with Experian and they continue to leave the balance on the account. I have attached copies of both the check and my bank statement showing the settlement of {$810.00} last XXXX. This is a violation of my rights under federal law
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (SC)

This is my second time writing to file a formal complaint regarding a CHARGEOFF/COLLECTION account labeled " XXXX XXXX XXXX ( Balance {$12000.00} ), XXXX  XXXX ( Balance of {$7900.00} ), XXXX  XXXX ( Balance of {$6000.00} ), XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and anxiety. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and anxiety that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (MN)

An account was fraudulently opened using my information. I repeatedly asked Discover to remove the account from my name and credit reports, but they refused. I have added an updated report as documentation that includes a possible person who may have committed the fraud since the name used to open my account is not my legal first name but a nickname. They resided in my home from XXXX. The person had access to my property, such as mail, phone, computer, social security number, address, and other things that may have compromised my private information. However, my information is also on the dark web and involved in the XXXX breach, and XXXX and XXXX confirmed this. The information includes my name, address, social security number, phone number, email, and password. Due to this, I do not know whether it is a relative or a stranger who is behind this account. Discover is the only company that has yet to take care of this matter properly, fairly, and adequately. I hope neither my race nor ethnicity is the reason for the hurdles that have been presented.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

There is a XXXX collection item on my credit report that is ten years and three months old. 

I have disputed for age with XXXX and they have already removed this from my account. However, Equifax insists they will keep it until XXXX of XXXX, more than a year beyond, as they claim they calculate from date of first delinquency, not date of account open. But the date of first delinquency is more than seven years and also more than ten years old now. 

Equifax as made it more difficult to request via dispute as none of their online forms allow you to directly dispute the aged removal, they have compounded this difficulty by making all email responses from a 'no reply ' account that avoids fruitful dialog with them company, and even when attempting to resolve with their consumer support telephone line, they provide no escalation except to have someone email you ( from yet another no reply account ) leaving consumers without a meaningful path to progress in the face of legitimate disputes. 

I have spent more than two weeks now attempting to get this resolved and all I get is " our policy is that we .... '' even when what they are doing is clearly not aligned with existing laws and the regulations of the FCRA.
Consumer complaint received 2021-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In XX/XX/2020, I was granted an EIDL loan as a contract based sole-proprietor who had suffered a loss of hours and income due to covid. 

On XX/XX/2020 Capital One froze my account, stating that as a sole-proprietor I wasnt eligible fo this loan. This is not correct. 

I have conferred with the SBA who assured me everything about my loan was in order and I did qualify AND was entitled to use the funds for rent and utilities. 

My wifes funds are also frozen, including payment shes received from her contracts. 

The funds have been frozen for almost 1 month. I have supplied all information to the bank to prove that I was eligible for this loan as a sole-proprietor and that funds were only used as permitted.
Consumer complaint received 2017-01-16
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (AZ)

I will be XXXX by XX/XX/XXXX. What option if there is XXXX for cancellation or forgiveness I am struggling making payments of {$150.00} an {$50.00} in other ( XXXX loans ) total more than {$200.00} with a {$28000.00} salary, my wife does not work, I been paying since 2003 getting worse because I am diabetic and wife have health issues too. 
I do have another loan with wells fargo for {$380.00} and {$180.00} home assoc magmt payments please advise! 

thank you
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CO)

I made a lump some payment of over {$20000.00} and the company could not find nor tell me what happened to my payment for over 2.5 weeks. Employees could not verify that payment would be made even though it had been deducted from my back account. Everything was resolved but it took over 2 weeks
Consumer complaint received 2021-04-23
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: U.S. BANCORP (AR)

I have call XXXX XXXX and XXXX to let them know I was pair of they error in there system the representative told me I was not part of the error the representative from transunion hung up the phone in my face they remove the inquires off but they put them back on I am also have been a victim of identify where I had a fraud alert on my credit to state that and the representative didnt seem to care
Consumer complaint received 2017-01-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (IL)

I have a split credit file with Experian and XXXX. I receive separate letters and credit reports either on the same day or a few days apart. Identity theft account information is not being removed. Addresses still not correct after contacting the credit agency numerous times.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KY)

Please accept this letter as my formal writing request for the following items on my credit report to be investigated.

According to the Fair Credit Reporting Act 15 U.S.C S 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice.

I demand to see Verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database. ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : KXXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX
Consumer complaint received 2019-05-21
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: McCarthy, Burgess & Wolff, Inc. (PA)

I was speaking to some one from mccarthy bergis and wolf and they put a ms. XXXX XXXX on the phone. Who clearly had an attitude as i tried to explain i was XXXX XXXX during the debt. And then she said you clearly got something going on in your life. Get your life together. I spoke to a XXXX about it.
Consumer complaint received 2017-04-16
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

XXXX, NJ XXXX XX/XX/2017 CapitalOne Credit capitalone.com XXXX Re : Blocked Use of Credit Card Dear Sirs, I was embarrassed twice in past three days when card was denied at XXXX and at XXXX. Checked balance before I left house and had {$110.00} available. Charges were {$81.00} and {$71.00} respectively at those XXXX locations. 
WHY are you blocking use of my card? I want hear from you reasons and when it will be ok to use. Last time spoke to customer service representative, told him card was ok and was NOT to be blocked. Only needed refund of charges from company I complained about. 
If he went ahead and blocked it, he did wrong!! Without my approval and authorization. 

Thank You. 
XXXX Called XXXX @ XXXX and got XXXX, who hung up on me in middle of conversation. Called back and got XXXX. Told her to get me Supervisor. He was unable to help me either. System was down and was n't expected back for several hours. PLUS, he said they were unable to call out or email out or txt out from his office. Told him that was ludicrous. Also said if I called back and could not get satisfactory explanation why card declined at XXXX and XXXX visits would forward complaint to BBB, FTC, NJ Attorney General Office and any one else I thought could tweak CapiatlOne. 
CapitalOne did not send me email, txt or call me explaining reason for blocking my charges at these stores. I have been getting my usual monthly txts with amount of balance on account and have not gotten any others for several months. Upset with CapitalOne and expect some explanations. Guess you will have to send me a letter in response to this letter since customer service cant do any outgoing contacts. 
. 
XX/XX/2017 XXXX Calling back today. Spoke to XXXX. 
My account was blocked. Whomever did it should be reprimanded. I DID NOT ask for that. The last time I spoke to Customer Service was about 5-6 weeks ago and I emphatically told that gentleman NOT TO BLOCK MY ACCOUNT OR CARD. I knew who used my card and was only requesting that charge be reversed. There was NO FRAUD involved. If he did what I asked them things would be ok. He kept pushing me to block and cancel the card. I did not appreciate that and told him so. Leave things just as they were and ONLY reverse the charge I complained about. 
You should be able to track that call and who I spoke to. Calls are recorded, right? 

Sending this out XX/XX/2017 XXXX. Took extra time to think on it and still want to complain andmake sure senior management is aware of what happened. Also, they need to fix my not being able to send letters to web site and allow supervisors to call out to customers. 

Thank You. 
XXXX Cc. : BBB FTC NJ Attotnry General, Dept of Consumer Affairs
Consumer complaint received 2017-01-30
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (PA)

I was unable to pay my loans secondary to financial hardship. So every time I would call navient the first thing they told me was to forebear my loans. I was never informed that interest unpaid would be capitalized. I have been paying on my loans for 3 years now and yet my balance is higher then what it was when i graduated college. It is very misleading information when talking to representatives. They always tell you, if you cant make a payment to just file a forebearance and make the payments in a couple months when you have the money. What they dont tell you is that the interest you dont pay capitalizes and you end up paying 10x more the money in the long term. Navient has never offered me any other option into repaying my student loans. The least they could of told me was that i should still make some type of payment contributed to my loans.