davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

I took out XXXX XXXX XXXX  to finish my XXXX and XXXX XXXX. I graduated XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. ago. My loan started out as {$79000.00} and is currently {$100000.00}. I have paid every since then. When I exited college, no one talked to me about how to appropriately choose payments that would pay off my account.We struggled financially as a XXXX XXXX XXXX so picking the one of the lower payment was our choice. We knew it would take a little longer but we assumed that the balance would go down and we could change it along the way when things got better. My husband was laid off twice, so I took a forebarence for a year... again no one talked to me about how much my interest was or talked to me about getting me on another plan. When ever I would call to speak with someone, I was always left confused because I don't think they really knew what they were talking about. I've been a XXXX XXXX XXXXXXXX for XXXX XXXX XXXX XXXX  so once I learned of the XXXX XXXX I began applying, each time was told no I was missing something, we need a copy of your income tax form, and two years ago I heard " you need to have 120 payments but your plan is okay '' then it was " you are on the wrong payment plan ''. When I tried to get details about what they meant, I still didn't get any clarity to this question. Each time I called, the rules of the game changed! The last time I wrote to XXXX and was rejected I asked for something in writing so I could have proof, and something tangible to follow. I never received that letter. 
Mohela then took over and I have spent months jumping through hoops. I included every piece of correspondance with XXXX and a copy of my payments. I was so happy to see that it didn't matter about what payment plan I had been on, if I had a forbearance in the past, and suspended payments because of COVID counted. Bottom line is I've been on a payment plan for XXXX XXXX XXXX XXXX XXXX  and my debt didn't go down even by a penny, it increased by {$24000.00}, making my balance increase to {$100000.00}! I don't know about you but something is seriously wrong with this picture! I I just received an email from Mohela leaving me with 43 payments to still pay and because the payment had to be income driven, my payment has more than doubled!
Consumer complaint received 2022-10-13
Product: Credit card or prepaid card — Store credit 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: Colony Brands, Inc. (GA)

I ordered XXXX gold plated necklaces. XXXX herringbone and XXXX gold rope. The both were supposed to be real gold plated. The change my neck and {$600.00} XXXX shirt blue. They both are not real. I called and in XX/XX/XXXX to file a complaint and insurance claim. They did not start my insurance calling until XX/XX/XXXX. They are saying it will take XXXX weeks for the insurance department to investigate and contact me which is completely unjust and unfair. I would like this issue to be resolved immediately and a full reimbursement of my {$600.00} for my XXXX shirt
Consumer complaint received 2021-01-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC. (AR)

This is the SECOND complaint to your office regarding a dirty sale of a vehicle to me from XXXX XXXX. 

I purchased a used vehicle from XXXX XXXX in XXXX, Arkansas in XX/XX/XXXX. The finance department never disclosed the annual percentage rate or the monthly payment as a tactic of high-pressure sales. 

I tried to do everything to reverse the transaction but could not. On XX/XX/XXXX, the vehicle was repossessed and Ally Bank tried to garnish my bank account. Ally Bank hired XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX to sue me for the remaining balance. The balance was just over {$8000.00} dollars. The case was thrown out of court XX/XX/XXXX. I have been on XXXX since XX/XX/XXXX. My XXXX checks are not enough to get me through the month so I must rely on SNAP benefits. My mother used to help but she died XX/XX/XXXX. 

This week I received a letter from XXXX XXXX XXXX XXXX XXXX. They were hired by Ally Bank to collect what I could not afford the first time they took me to court. I have attached their letter and a print screen of the court case and the outcome. 

I am not in good health and was not when I was conned by XXXX XXXX to purchase their vehicle. This bank must acknowledge that I was not and will not ever be able to pay them. Ally Bank needs to get whatever money from the dealership who begged them to finance the loan. I have lost thousands of dollars because of XXXX XXXX and Ally Bank. This needs to cease, as it is getting out of hand. My mental health can not take any more of this harassment. 

Please see the attached documents.
Consumer complaint received 2022-10-13
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. (TX)

Equifax you have verified this account I have found 6 violations on this account from Bank XXXX XXXX  which is fraudulent reportingXXXX $ XXXX dollars you can make payable to me or remove this account forever I will except the removal for the violations you are reporting or I can file with the courts on this matter
Consumer complaint received 2022-10-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC (MA)

Currently in litigation at XXXX XXXX XXXX Case # XXXX, I received a presentment postmarked XX/XX/XXXX from XXXX XXXX who represents JEFFERSON CAPITAL SYSTEMS. Regarding Case # XXXX, Account # ending in XXXX, with a XXXX # XXXX, for the amount of {$990.00}. I have requested Validation of Debt not once, but twice. Sent via Certified Mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. The second request Certified Mai l # XXXX XXXX XXXX XXXXXXXX XXXXon XX/XX/XXXX. Let it be known that this very moment, I still have not received a Validation of the alleged Debt. The responses to my inquiries were duplicate packets with letter and statement of account dated XXXX XXXX from the office in XXXX, Wisconsin. Not from the office located in XXXX, Massachusetts where the Validation of Debt inquiries were sent and signed for. Also, two copies of what was submitted to XXXX XXXX XXXX were sent to XXXX XXXX XXXX Attn : XXXX XXXX, Clerk Magistrate in XXXX XXXX, Massachusetts for Case # XXXX via Certified Mail # XXXX XXXX XXXX XXXX XXXX sent XX/XX/XXXX and Certified Mail # XXXX XXXX XXXX XXXX XXXX sent XX/XX/XXXX. They can not validate the debt because they can not produce an Original Contract. As a matter of fact, per my credit report dated XX/XX/XXXX the alleged debt that I am being sued for was closed and written off, then purchased by another lender. Notice, it is a fact, and I am aware, you can not represent as an attorney and collect a debt at the same time without being a debt collector. Thats violation of the 15 US Code 1692e ( 3 ) and I am in litigation with a third party as they were not involved in the original transaction, nor do I have any contract with them, and I do not consent to this third party to being in my affairs. All testimony or representation from this third party is heresay!
Consumer complaint received 2021-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (MI)

In 2017 I had a Citibank Prepaid Mastercard with a {$200.00} dollar limit. I was XXXX  and while I was l in XXXX  someone used my credit card without authorization and when I got out I contacted Citibank and told them what happened and they didnt seem to care depite me filing a police report and even providing proof of my XXXX  from my XXXX  XXXX. They eventually charged off the account and have reported it as a " Charge Off '' for years and continue to report it as a charge off. I have tried to dipute the account and I have tried to resolve the issue but they will not speak to me or cooperate with me. They are reporting that the amount due is {$630.00} even though the card was a " Secured '' card with a {$200.00} deposit. 

Account Number : XXXX
Consumer complaint received 2021-01-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (CA)

I lost my job and then the pandemic hit. I called to try to negotiate to lower this payment and there was an unwillingness to help. Now my credit score is ruined. I need these late charges off my report so I can move forward. I now have a good job and paying on this debt. 

At one point I was threatened with legal action. I understand this was a big debt, but I was willing to work with them. But it was not a friendly exchange.
Consumer complaint received 2022-10-13
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. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-02-06
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. (FL)

Credit Reporting Agency : Equifax ; Creditor : XXXX XXXX ; Account Number : XXXX. Recent disputes were submitted via the CFPB portal regarding this account on XX/XX/XXXX. After reviewing my Equifax credit file on XX/XX/XXXX, I noticed two errors. Error 1 : " Payment Status '' is incorrect. The " Payment Status '' should show " charge-off. '' Error 2 : An unauthorized statement has been inserted for this account in the " YOUR STATEMENT '' section. The " YOUR STATEMENT '' section belongs to me, the consumer, and I have never requested, authorized, or provided the creditor ( XXXX   ) or the credit reporting agency ( Equifax ) to add any statement. Per the FCRA, the creditor and credit reporting agency are only permitted add a comment in the " COMMENTS '' section. Equifax is in violation of the Fair Credit Reporting Act ( FCRA ) section 611 ( b ) which clearly outlines consumer statements. Equifax is in violation of FRCA section 611 for ( a ) failing to record the current status of disputed information and ( b ) reporting an inaccurate item in my credit file. As a reminder, per the FCRA, a consumer ( s ) credit file must be 100 % accurate and my Equifax file clearly is not. Please refer to the attached copy of my Equifax credit file with the two errors highlighted.
Consumer complaint received 2021-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (AZ)

I was " signed '' up for care credit by a XXXX. I was told it was a credit card with no interest that I could use to help pay for his services. I was not told that if I stopped using his services I would have to continue paying on the credit card even though I was not using it. I used XXXX worth of medical expenses at the XXXX. I had health issues that prevented me from continuing my care with the XXXX. I am still having to pay XXXX for care I never received and I will not use because I have insurance threw my state medicaid. I was not explained any of this by the doctor or his staff or by care credit. This is unethical and a scam.
Consumer complaint received 2021-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (TX)

BBVA was bought out by PNC bank. We were assured the transition would be seamless. However over the bank transition weekend we had no access to our accounts online. I was unable to access my accounts for several days afterward resulting in overdrafts and fees. Once I was able to regain access my accounts were no longer linked and I was not able to transfer money between them online or through the app but had to either go to a branch or withdraw cash from one account at the atm and deposit it to another ( which didnt always work depending on the status of the atm ). I tried getting help at the local branch but received different responses and no solution. Customer service never answered phone calls. I did not receive help until I posted complaints on social media where I was advised to complete an account linking form and was told the problem would be resolved by the following week. That was XX/XX/XXXX and the problem has not been resolved. The leadership of PNC has failed to acknowledge the distress and inconvenience this transition has caused. I have contacted PNC twice since the XXXX to check the status of my request and have only been told I have to wait for the process to be complete. This process was something I had and appreciated as a BBVA customer and was assured that it would be available to me as a PNC customer. I didnt not ask for this merger to occur and it caused me weeks of emotional distress and extreme inconvenience as a small business owner that continues to occur.
Consumer complaint received 2021-09-04
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. (SC)

I am a victim of identity theft and I believe the culprit is my ex-girlfriend and mother of my children. Our relationship was very toxic so I moved out of our home and moved in with my parents while I stabilize because I can not afford two leases and since my move it seems like she has started using my credit without my permission. I don't want her to go to jail but clearly she doesn't understand how damaging this has been to my credit. The reason I believe it is hers is because a furniture company claims that I have opened an account with them at our property but then again there is another name that was used XXXX XXXX so I am not 100 % sure none the less she does not admit to using my information but I can not explain how I have 3 repossessions on cars I did not finance and who could possibly be on the receiving end of a personal loan and furniture without my presence. I spoke with an officer XXXX in the Sheriff 's office and he advised me their department is very busy with evictions and subpoena 's and quite frankly I don't have enough information for them to make an arrest. I have notified the bureau 's but they did not respond or remove the fraudulent accounts from my credit report. 
Attached is a copy of my identity theft affidavit and the letters I have sent to the bureau 's.
Consumer complaint received 2021-09-04
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: ALLY FINANCIAL INC. (MI)

On XXXX XXXX Ally Auto Financial reported remarks on my consumer credit report that I can NOT see. It says to contact the original creditor for any questions. I, as a consumer is the original creditor.

Under U.S. Code 15 1666 ( b ). As I consumer, I commanded Ally Auto to delete/close the account that they did NOT have my written consent to report to began with. No consent is identity theft!
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

My Repport there are many errors in my credit score that are almost XXXX points in less than a month that lowered what it has cost me so much work to upload. there are XXXX or more points of my score in my report, I am up to date with my payments, I have paid some in full and my credit score has improved. Here I am attaching documents so that you can check it and repair my score because it has already been several times in less than a month and a half to download a lot and I request that it be repaired, since they will not update their data and in the meantime I keep losing and downloading every day my score and my credit. Thank you.. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX snn. XXXX
Consumer complaint received 2021-09-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX Chase Bank sent a settlement letter to resolve a balance of {$1700.00} for the amount of {$170.00}. The offer expired XX/XX/XXXX. I attempted to reach someone by phone to see if they would extend the offer, but was unsuccessful. On XX/XX/XXXX we wrote a letter attaching the previous settlement offer, and requested the expired offer be accepted. In the letter we stated if they did not wish to extend the settlement they were to return the check to XXXX XXXX XXXX XXXX, XXXX, Tx XXXX. The letter and check was from XXXX XXXX, my mother. We included an authorization letter where I granted her permission to work on my behalf. In effort to ensure the check was not automatically sent through an automated lockbox processing system, we taped the check to the lower right corner of the letter thus requiring manual intervention. Chase Bank cashed the check, clearing the bank on XX/XX/XXXX. Further, the check had language " Endorsement of check constitutes agreement of settlement in full ''. Per the Business and Commerce Code Title 1. Uniform Commercial Code under Section 3.311Accord and Satisfaction by Use of Instrument, Chase Bank had until XX/XX/XXXX to return the payment if they were not going to accept the settlement. Chase cashed the payment, but continue to report to the Credit Bureaus I still owe {$1600.00}. I have disputed with Chase Bank and all three credit bureaus multiple times, but Chase ignores my requests, and reponds to the credit bureau disputes that I owe the balance.
Consumer complaint received 2021-09-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

1. I filed a formal notice that XXXX  XXXX XXXX claim is disputed date opened is incorrect, the high credit is inaccurate, late payments XX/XX/XXXX inaccurate, account number inaccurate. 

2. I filed a formal notice that XXXX XXXX  claim is disputed, claim the date opened is incorrect, the high credit is inaccurate, late payments XXXX  XXXX inaccurate, account number inaccurate, no. of months ( terms ) inaccurate, account type. 

3. I filed a formal notice that XXXX claim is disputed, claim the high credit is inaccurate, the last reported date inaccurate, late payments XX/XX/XXXX and XX/XX/XXXX inaccurate, account number inaccurate, balance inaccurate. 

4. I filed a formal notice that XXXX XXXX XXXX  XXXX XXXX  claim is disputed claim the account type is incorrect, the high credit is inaccurate, late payments XXXX and XX/XX/XXXX inaccurate, account number inaccurate. 

5. I filed a formal notice that XXXX XXXX claim is disputed the high credit is inaccurate, the last reported date inaccurate, late payments XX/XX/XXXX inaccurate, account number inaccurate. 

The credit companies Equifax, XXXX, XXXX  are not compiling with their own policy in a timely manner. My letters were unaddressed within 30 days of their policy.
Consumer complaint received 2022-10-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NM)

I was scammed on my Wells Fargo account. I applied for a job through my community college ( XXXX ) here in XXXX XXXX and took a job as a XXXX XXXX XXXX XXXX XXXX XXXX The job required for us to do some task for them, they would send a cashier check for us and we were to deposit it in our account. So once the first check came in I deposited to my account, and the bank accepted. Once the check was accepted ( XXXX ) my task was to send money to a charity through XXXX. the check was accepted of {$1500.00} without pending and i figured the money was good to send. the next day ( XXXX ) the check bounced back and my account was over drafted {$1300.00}. At this time i realized it was a scam and called Wells Fargo to report a scam and start a claim that same day. I made a few follow up calls between the 10 business days for the claim to be processed. on XXXX i called for a follow up because it was passed the 10 business days with no answer or email from them. Wells Fargo stated my claims were closed and denied.
Consumer complaint received 2021-11-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (NJ)

In XXXX I opened a checking account at PNC Bank. I added another person to my account in XXXX of XXXX. The proper papers were signed, scanned and are on file with PNC Bank. In XXXX I inquired about how to add my son to the account, but I was told that the other person on the account would have to be present to sign papers. At that point, I decided not to add my son to my account. In XXXX of XXXX, he was added to my account with no authorization.. 

In XX/XX/XXXX, my bank account was levied by a collection agency trying to collect a debt owed by my son. On XX/XX/XXXX my son attended online court with proof that none of the money in the account was his. He showed my paystubs with matching deposits. The judge ruled in his favor and the levy was lifted. 

In XX/XX/XXXX, my account was levied again by the same collection agency. I didn't get the necessary paperwork to the court on time, so on XX/XX/XXXX, my money was taken from my account ( {$750.00} ). 

Since my son is on my account without any authorization, and none of the money taken from my account was his, I would like PNC to refund my money and remove my son from my account. 


Attached PDF includes : Page 1 - copy of my federal tax return Page 2 - copy of my state tax return Page 4 - copy of my bank statement showing deposits of tax returns and first stimulus check Page 5 - bank statement showing deposit of my second stimulus check.

Page 6-8 - bank statements showing no further deposits Page 9 - bank statement showing {$750.00} taken from my account on XX/XX/XXXX