davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (FL)

-The first time my daughter contacted them was XX/XX/2022 to see about lowering her monthly. 
They said she was not eligible. She explained her cosigners myself and my husband were not able to help and she was having financial issues as well. She has 3 loans with Sallie Mae. She said she could continue paying one of the 3 but if they can lower the other 2 she was told try in XX/XX/2022. She called in XXXX informed them her rent went up and then they had myself and my husband on the line going over all our monthly expenses they said XXXX again. They said try again we informed them we were not able or my daughter to make the XXXX payments. The loans were not able to pay anything due to financial issues we were all having. They contacted my mother in law because we lived with her once a while ago and said to have us call they could help. Tried again in XX/XX/2022 went through the process they said no again. We are trying to work out payments that my daughter or we can afford. She has with the XXXX loans from Sallie Mae, XXXX with XXXX school loan and her federal loans totaling {$90000.00} in school debt. She lives on her own in NY and pays rent, food, medical bills, car and she is up to date on her XXXX Sallie Mae loan, her XXXX loan just these 2 payments that are hard for her and us to make. We do not own a home and live paycheck to paycheck. I explained any help in lowering the payment would help but they said they can not help. 
One of the loans that we asked is now been given to Collections. So, I just do not understand how they would want that instead of trying to help work out a payment that would help us and also pay them. All of our credit is being affected. I had a loan myself with Sallie Mae and in the past I would call and ask for help and they always worked out a plan. I feel they have not in any way tried to help. If you can help us in any way it would be greatly appreciated.
Consumer complaint received 2021-11-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC (TX)

In early XXXX, I relayed a cease communication request to Jefferson Capital Systems via email asking them to cease and desist collection efforts on a debt they have admitted is outside of Statute of Limitations in past written communications. Said request was honored, until phone calls resumed on XX/XX/XXXX. I have received one attempted phone call per day from them, which I did not answer.
Consumer complaint received 2022-04-20
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. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2022-09-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

My monthly payments are {$75.00} each month and due on the XXXX of every month. I make payments through the Ashley XXXX. However I am always having trouble making payments, as their app never works. They have absolutely 0 days of grace period. If I make the payment the next day I must pay {$120.00} which includes the late fee. I find it extremely unfair, as they should either allow a grace period or fix their app. I understand that as a consumer I am responsible to make payments on time but I do not have the capacity to sit around and keep launching the app until it works. Nothing on their app indicates if there is any other form of payment. I have paid this late fee in the past multiple times and have not complained but I can show proof ( screenrecord ) that I have had multiple issues in the app. I would like to have those fees waived. XX/XX/XXXX as well as XX/XX/XXXX even dating back to XXXX. Although I am aware and signed the contract, the interest they charge is abusive and the fact that they don't have grace periods is ridiculous, all credit cards have some sort of grace. Those people are hard to get a hold of, you call synchrony bank, and they tell you to call the store Ashleys and you're just back and forth to the point where you just give up and don't ever call back. These late fees date back to XXXX where I also sent a chat to them advising that I was having issues on the app and that I could not make a payment. I will never ever do business with synchrony and Ashleys and have a few acquaintences that feel the same. I will at every opportunity discourage anyone from shopping at XXXX  and using synchrony as the creditor.
Consumer complaint received 2022-09-14
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. (FL)

The inquiries and account listed in my report were inaccurate. I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these items continues to be sent around and affecting my credit. The credit bureaus didn't do anything to correct the items listed below : XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2019-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CO)

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Consumer complaint received 2022-09-14
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 — Problem with personal statement of dispute
Company: Affirm Holdings, Inc (MN)

The company affirm violated my rights under the fair credit act. i was a victim of identity theft in XXXX Wich has been documented with the all the appropriate authorities several unauthorized accountants were fraudulently open under my D.O.B and SSN. affirm being one of those accountants i recently submitted affidavit 's police reports to affirm. Just so that they were aware the acc that they had on file was due to identity theft and fraud. 
affirm claims they did an investigation and i was told that the information they had on file was accurate. in clear written words i ask to affirm to please verify to me what methods or resources they used to investigate affirm has bluntly denied me the right of them verifying the information they have on file. they ask me to send my current information to verify information they already supposably had. i sent over my current address and my identification card. Wich, they ask to give me information that was supposedly used to open these accountants they sent over 2 different addresses. one i had never been affiliated with or ever reside at. i brough this to affirms attention and they told me. they investigation is final and i owe their debt. I ask to affirm do they have any other relevant information besides addresses # acc etc. affirm told me that their decision was final. and they are going to report this outdated fraudulent debt to my consumer profile.
Consumer complaint received 2022-01-04
Product: Vehicle loan or lease — Lease
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: Mercedes Benz Financial Services (MD)

Our 3-year lease with Mercedes Benz Financial on our XXXX XXXX expired on XX/XX/XXXX. We decided to purchase it and signed a loan with XXXX XXXX XXXX XXXX  on XX/XX/XXXX. We were in an accident and totaled the car on XX/XX/XXXX. Mercedes Benz Financial told me by phone that they received XXXX XXXX XXXX XXXX  's payment on XX/XX/XXXX. 

XXXX XXXX, our insurance company, determined the car was a total loss. However, they can't settle the claim because Mercedes Benz Financial has not transferred the title. For 3 months now, I have been making payments on the XXXX that I no longer have. My husband is still hospitalized as a result of the accident and I have to drive our XXXXold truck because the insurance claim can't be settled.
Consumer complaint received 2020-03-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hunt & Henriques (CA)

I hired XXXX XXXX XXXX to negotiate with my creditors and resolve any past due balances I enrolled in a payment plan in 2017 at XXXX monthly until all accounts were resolved currently still in program at working off the last ( 7 ) XXXX XXXX XXXX Credit card Services was the only account left after several attempts by XXXX XXXX XXXX they refused to negation and would no loner speak to my representatives that took over my debt, I am XXXX XXXX XXXX a only receive below standards of Living income monthly. I personally tried to reach out to XXXX XXXX XXXX and was told the account was a charge off and was sold to Hunt & Heriques Law firm,  XXXX XXXX drafted up a summons and complaint with outrageous add on fees that XXXX XXXX XXXX never had a XXXX bill went to XXXX and I do not recall ever getting to XXXX with XXXX XXXX XXXX, This law firm Filed this with a court in XXXX county superior court I do not live anywhere near this county they falsified to the court it had jurisdiction got a summons and complaint then went to a family members house where I never lived at and gave the summons and complaint to a family member XXXX XXXX I have a Video off a XXXX  camera with process server not even asking for me by name only asking name of the family member. This firm is buying old debt for penny 's on the dollar the lying to the court it served papers on the Defendants I personally researched over 80 cases thrown out for improper service This firm has no legal right to any compensation they do not even have documented proof beyond my name a old credit card account no signed agreements between even opening the account XXXX XXXX XXXX has reached out to this law firm however so far unsuccessful. If I do owe Money they do not have the right to collect it under law XXXX XXXX XXXX does have that right not them I was also told by XXXX XXXX XXXX the matter is resolved and why this Law Firm Hunt & Henriques is using the name XXXX XXXX XXXX as the Plaintiff Because they are not this a a bought account Charge Off and submitting untruthful statements under the penalty of perjury is a crime countless victims have been abused by this firm in the past and has several new cases Filed in XXXX superior court in XXXX California the main objective of this firm is to file bogus law claims against people improperly serve them by any means a try to win by default because the person was never legally aware about legal action like myself was contacted by 3rd party Family member after the fact if this law firm actually represented XXXX XXXX XXXX they would have a full file with signed documents with my name and a list of charges down to the last penny its called accounting XXXX XXXX XXXX  has the funding to pay XXXX XXXX XXXX XXXX this Hunt & Heriques has failed to negotiate ( XXXX XXXX want to make money in legal fees to line his pockets with money that is not due to him and the law firm he works for located in XXXX ca.
Consumer complaint received 2019-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (GA)

I NEED HELP MANAGING MY CREDIT FILE. PLEASE UPDATE MY PERSONAL INFORMATION. PLEASE UPDATE MY PHONE NUMBER TO : XXXX. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX. PLEASE UPDATE MY CURRENT EMPLOYER TO : XXXX XXXX XXXX. PLEASE UPDATE MY CURRENT EMPLOYER ADDRESS TO : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. I WOULD LIKE MY PERSON INFORMATION UPDATED IMMEDIATELY.
Consumer complaint received 2018-03-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Last year I paid my debts. I started inXX/XX/XXXX. The first 2 were XXXX XXXX and XXXX. Since that date both were paid in full. XXXX XXXX   account number is XXXX. It was sold to XXXX XXXX XXXX. Their phone number is XXXX. It should say paid in full. It could be moved to the collections file as paid in full. I will include statements from all the accounts that need to be corrected. The next account is XXXX, account number is XXXX. This account was sold to XXXX XXXX XXXX. Their number is XXXX. It was paid in full also. On my credit report there are 2 accounts that are both the same. That is the XXXX and portfolio. 
The XXXX account number is XXXX it was paid in full on XX/XX/XXXX. I have also included a statement from XXXX stating that the account has been paid in full. 
The last account is XXXX XXXX XXXX account number is XXXX. It was paid in full on XX/XX/XXXX. I am including a copy of the paper that XXXX  XXXX XXXX
Consumer complaint received 2021-11-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (MD)

At no point, have I ever authorized any accounts with Barclay 's Bank of Delaware or their debt selling partner, XXXX XXXX XXXX. 

I have repeatedly requested a copy of the original agreement from Barclay 's Bank of Delaware, the ( alleged ) original creditor, as well as XXXX XXXX XXXX ( debt buyer ), proving that alleges that I am responsible for this account. Barclay 's admits that they do not have it on file, which makes me wonder how they could approve a debt sale to a debt buyer without proper legal authority. In this case, that debt buyer is XXXX XXXX XXXX ( XXXX ). 

XXXX also claim they do not have the original authorized agreement either, BUT still have the right to report an amount of ( over ) {$4900.00}, the debt they allege is in my name. They only send copies of XXXX sheets with the status of this account since they acquired it and further refuse to offer the concrete proof that I asked for. 

I say again, at no point, did I authorize Barclay 's or anyone for that matter, to open an account in my name. I ( personally ) did not pay any amount on this account EVER and, obviously, did not sign/authorize the sale of any debts which were created fraudulently using my name/SS #. 

I WANT TO SEE THE ORIGINAL AGREEMENT FROM THE ORIGINAL CREDITOR, NOTHING ELSE! 

If XXXX continue to provide false information to the credit reporting agencies, I am going to file a formal complaint to put this falsehood to bed once and for all.
Consumer complaint received 2022-10-01
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: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX have violated my rights. 15 USC 1681 section 602a states ; I have a right to privacy.

15USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instruction
Consumer complaint received 2022-11-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (OH)

My auto draft was turned off by Kia for my last payment and I was not notified. Letters were mailed to my old address after requests were made to update address and phone number on multiple occasions and was never processed throughout all Kia systems. I checked my credit report, as I regularly do, and noticed my score went down by over 100 points. I called Kia and to say that the supervisor was no help would be an understatement, she hung up on me. I was not yelling, cursing or belittling her in anyway. I clearly was just another customer complaining to her that she had no empathy for. I was shocked how I was treated. She mixed her words saying things like " You should submit your request in writing '' but also saying " They will not fix this '' when I asked why submit this request in writing, the supervisor said for " Peace of mind ''. I did not request or authorize the suspension of auto draft on my account and thank God I noticed it within 60 days but that was 60 days too late. II had a 0 % APR with Kia because my credit score was soo good. Now I this late payment will effect my score for 7 years because of a change made by the company I did not authorize. This makes no sense and Kia is apparently not willing to accept any responsibility.
Consumer complaint received 2016-10-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Aspen Yo LLC (FL)

This notice is to serve as an Emergency Notice of Error. Gregory Funding Servicer for XXXX and XXXX. Have received a complete loan mitigation application in the timeframe as required by the Dodd Frank Act as well as an agreement from the previous servicer for a principal reduction. The Plaintiff and Servicer are guilty of dual tracking and have moved forward to foreclosure sale of my property tomorrow XXXX XXXX at XXXX in violation of Federal Law. I have also found fraudulent documents and forgeries of my signature in both TILA and Respa notices in which I have proof of. I am requesting that the sale be cancelled and the facts of my complaint investigated thoroughly. I will also be contacting every regulatory agency both federal and state to make a complaint in regards to these facts. These are serious violations of federal law and I intend to persue any and all legal action in regards to these egregious violations. I am requesting that a motion be sent in the court today to cancel the sale so that I am not further damaged by this action.
Consumer complaint received 2022-09-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2022-09-14
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. (MD)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-10-01
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: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S C 1681 section 602 states I have a right to privacy. 15 U.S. C 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. C 1666b a creditor can not treat a payment on a credit card account under an open-ended consumer credit plan as late for ANY PURPOSE. 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX XXXX Experian CRA -Acct # XXXX - Transaction history reporting on consumer report XXXX XX/XX/2019 XXXX XXXX XXXX  Experian CRA Acct # XXXX - Transaction history reporting on consumer report XXXX XXXX BANK Experian CRA Acct # XXXX - Transaction history reporting on consumer report I DEMAND that these accounts be DELETED from my report due to privacy violations along with civil liability for the violation of my privacy.