davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

I initiated a 0 % balance transfer around XX/XX/XXXX and paid the fees for the use of the credit. From the beginning until XX/XX/XXXX, I was charged no interest. In XX/XX/XXXX A charge subject to 14.99 % interest totaling about {$27.00} was placed on the card, rightfully, which caused a minimum interest fee of XXXX cents. My minimum payment was about {$73.00}. I made a payment in XX/XX/XXXX of {$80.00} and a payment in XX/XX/XXXX of {$70.00} ( minimum payment went down to {$67.00} ), and then I made a payment XX/XX/XXXX, prior to the due date of XX/XX/XXXX totaling {$160.00}. Well above the minimum payment, and yet, I was still charged the XXXX cent minimum interest fee. There have been no other charges beyond the {$27.00} and my balance transfers are still 0 % and still within their term. <P/>I contacted the Citi XX/XX/XXXX to inquire about why I was still being charged interest and they told me that they charge interest on all balance transfer, s even 0 % offers, and they had no explanation as to why I had several bills with no interest charged until XX/XX/XXXX. <P/>My understanding is that credit companies are to apply amounts beyond a minimum payment to balances with the highest interest first. This does not appear to be happening.
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACS Education Services (TN)

this account is stating that 100 % of the loan is paid, but it has periods where it was reported late. When it was reported late the loan was in deferment. I need them to change the late payments to all paid and this account should go under satisfactory accounts and not possible adverse accounts. 

You 've paid off 100 % of your student loan amount. 
Balance {$0.00} Highest Balance {$26000.00} Monthly payment {$50.00} Opened XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) Term 120 months Payment History Youve made 44 % of payments for this account on time. 
XXXX F M A M J J A XXXX O XXXX D XXXX XXXX XXXX Last payment XXXX XXXX, XXXX Current Payment Status Current Worst Payment Status XXXX Days Late Account Details Account status Closed Type Student Responsibility Individual Remarks Dispute resolved ; customer disagrees Worst payment status XXXX Days Late Times XXXX/XXXX/XXXX days late XXXX/XXXX/XXXX Closed XXXX XXXX, XXXX
Consumer complaint received 2017-11-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Conn's, Inc. (TN)

I have has this over a year almost 2, I can not get into there site for exact dates, because every time I try to access it there site refuses to let me in. 
the issue is that I was promised and guaranteed a loan for a XXXX smart tv, when a new store opened in my area, I was told that the price would be {$1400.00} interest free @ a payment of {$49.00} per month. THAT never happened. XXXX XXXX @ check out they had added over {$900.00} in add ons like protection service, warranty service and insurance incase of theft. I dealt with them for 7 hours to get most removed except the thief DESPITE the fact that I showed proof of renters insurance.. 
when it finally go time to go they had jacked up the payment 's to {$85.00} per month only 12 months free interest. There excuse was that credit declined the prop rate. despite me having a letter I hand that guaranteed ME the TV of $ XXXXXXXXXXXX per month. I should have left but I was without a tv. Being XXXX from a XXXX the wore me down and I think took advantage of me. 

the last time I was able to get into there system I had already made payment 's of between XXXX to XXXX dollars, YET they are showing that I still own over {$1600.00}. 

the bill is due on the XXXX of month and not late until the XXXX, is which when I always make my payment 's. YET they are showing on all 3 credit files that I have payed the bill several months late 3 or 4. I have sent then e mail after e mail about this, I have threatened several time to report them to you, the comptroller of the currency the state consumers protection agency 's. THEY last reply WAS GO AHEAD they ALL will side with US as YOU are wrong and we are CORRECT we dont make mistakes. 

SO what do I do now??? I can not get into there system Again so I can not pay my XXXX dollar payment. Last month it took over XXXX XXXX mails to them to get access, I re set the account wrote down all the access inform AND once again I can not get in the account. They do this so that they can XXXX and pillage customers. 

I need help with this, matter They need to be forced to honor there store opening promotion and guarantee. 

they need to be forced to remove all negative information form the credit files as there madness has causes 3 or my credit cards to cut y limits by XXXX 's of dollars my credit score had decreased between 30 to 45 points. 

I live on {$1100.00} per month ssd from a level XXXX XXXX. my rent is {$540.00} add utilities etc I have to decide to eat or freeze. 

There name Conns fits them quite well as they are conn XXXX. I have founds XXXX 's oc complaints about them doing this in every market they have stores in. 

I truly believe that the XXXX XXXX store on XXXX XXXX XXXX took major advantage of me one they figured out that I was XXXX and a us XXXX vet. 

the account number is XXXX there address is conns p.o box XXXX XXXX  texas XXXX my name is XXXX o XXXX my address is XXXX XXXX p.o. box XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2017-11-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (AL)

In XXXX 2011 Wells Fargo foreclosed on my home the address was XXXX XXXX XXXX, XXXX, AL. I had applied for a mortgage modification and was told to not pay my mortgage for the next three months. I called month after month for 11 months I was told during that time to continue not paying my mortgage. After 11 months they declined my application because they said I failed to sign a certain page. I asked to be able to sign the page. They refuse to allow me to. And foreclosed on my home. I would have thought it but just the month before my son had passed away and I was not of a mind to do so. I lost all the investments I had made in that home
Consumer complaint received 2017-07-11
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. (IL)

Main company : XXXX XXXX XXXX ( {$160.00} ) Collection agency : XXXX XXXX XXXX XXXX  Reason : Fraudulent Charges Date : XX/XX/XXXX ( Last Reported : XX/XX/XXXX ) Description : I never rented an apartment from XXXX XXXX, I or my family members never stayed for a day at the XXXX XXXX. I am a single mom with XXXX young children. This apartment manager was raciest who threatened me to destroy my credit because he did not like to answer my questions before I rent their apartment. On the name of form fee they charged me this {$160.00} fee.
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (TX)

Loans were taken out from XX/XX/XXXX-XX/XX/XXXX Loans were consolidated in XX/XX/XXXX.  However, I am in Texas and based on the statue of limitation accounts should be removed after 4 years. While, I am aware that I am still responsible for payments. It is reporting incorrectly with credit bureau. This also goes for student loans also. Data reporting is incorrect.
Consumer complaint received 2017-11-16
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: CITIBANK, N.A. (CA)

On XX/XX/XXXX, there was a charge of {$81.00} from a hotel named XXXX XXXX in XXXX, XXXX that was charged on to my Citi credit card. After I saw the charge, I contacted the Citi customer service for a dispute on the charge, and they gave me a temporary credit. After 2 months, on XX/XX/XXXX, the dispute charge was reversed back in to my account, saying that the person who used my credit card number said I gave them my credit card number for them to book for the hotel on XXXX. When I saw the documents that Citi provided me, it showed that the credit card number was entered manually by the hotel, and the signature that was on the receipts were not of mine. I have contacted the fraud department of Citi, but have not heard back from them about this issue.
Consumer complaint received 2017-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (TX)

Received a notification from Chase that my rate was going up 5 % from 11.24 % to 16.24 % for no reason outside of increasing their profit margin. i have an 800+ credit score and pay off my balance monthly with all my credit cards. I 've had this card for over 20 years and never a late payment. After speaking with a supervisor, I was told I could either cancel the card or accept the terms. How are those choices for me? I accept a 50 % increase in my rate or lose my credit history which would negatively affect my credit score. I want my original terms just in case I need to carry a balance in the future. I felt like there was a XXXX to my head to make a choice that only benefits Chase. Absolutely horrible.
Consumer complaint received 2017-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Class Financial (TX)

Contaced by text message to my cell phone with the following unsolicited message from XXXX : You Have Been Approved For Forgiveness Of Your Federal Student Loans But Your Application Is Incomplete. Please Call Our Office At : XXXX To Complete Enrollment.
Consumer complaint received 2021-02-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Coinbase, Inc. (NY)

I have account with COINBASE for BITCOIN purchase and have invested about {$250000.00} and must have grown My account was working till XXXX XXXX and stopped working My 2 step Authenticator is not working I sent them multiple e mails and still COINBASE is not helping me to recover my account Will need recovery of my account Thanks
Consumer complaint received 2019-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Karma (MD)

Hi, I have several issues with XXXX but the most recent Im very hindered by. XXXX is reporting my credit card usage is up by 38 % and I am holding NO BALANCES my score dropped 50 points???? In 2 days??? Something is clearly wrong! They need to adjust and fix! Also they send me a link through Credit Karma for XXXX XXXX  and said I was approved for a XXXX Credit Card cluck the link and it would not affect my score it clearly has!!!!! I am working hard to fix all these incorrect issues in my credit and XXXX has been the only agency Thats difficult and still reporting wrong information! And dropping me 50 points in one day!
Consumer complaint received 2017-11-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (RI)

I was on a forbearance payments with navient for 3 loan that I co-signed for him and have been paying between XXXX. I called and they said that is now over and I have to pay XXXX i talked to someone about an income based program and all they can do is lower my payment to XXXX a month. I make XXXX a week and went over all my expenses such as car, mortgage taxes utilities and they said there is nothing they can do. They automatically deducted the 1st payment from me which leaves me in the negative. They will not work with me at all. They only lowered my interest rate to 3 % which leaves me with that XXXX payment. I don ; t know what else to to. I was will to give XXXX but they wont except anything from me. I have called them 3 times and received 3 different answers for payments so I called again and the final payment was XXXX Thats it.the bottom line which I ca n't afford.My house is now for sale which you can verify online because I can no longer do this
Consumer complaint received 2023-01-08
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. (VA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhas 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 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 2017-11-15
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. (LA)

Equifax, XXXX, and XXXX credit bureaus are guilty of selling and maintaining my credit reports to obtain money 's that are not legal to do. They are holding credit files that are not from the original owners. And for that reason I wish to file a section 609,  which states if the collector can not prove that they are the original owner of the credit file then that file must be taken off the credit report.
Consumer complaint received 2017-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MD)

Despite numerous disputes with Equifax, they are reporting 2 accounts ( XXXX XXXX XXXX & XXXX ) which are outdated and should have come off my report automatically. I had the same issues with the other 2 credit reporting agencies but they were quick to fix the error. Equifax is an extremely hard company to deal with.They refuse to fix information that is outdated and incorrect.
Consumer complaint received 2023-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a 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 2017-12-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FBC MORTGAGE, LLC (FL)

My home was in a federally declared disaster area as a result of hurricane Irma. This natural disaster caused my family to incur additional, unplanned expenses. I was made aware of forbearance opportunity for people like myself who are in a federally declared disaster area and requested this from my lender, FBC Mortgage. FBC was  corporative in providing this forbearance and gave me 3 months with no mortgage payment. I did not need the entire 3 months that was provided and only took 2 months ( XXXX and XXXX ), paying XXXX plus some additional monies to catch up, in a timely manor. Now I expected, as my interpretation of the federal law that the 2 months that I missed would be added to the back end of the loan. FBC is not allowing that. I would then expect to be able to increase my normal mortgage payment for a few months to catch up on the payments that I missed. FBC mortgage has denied me a repayment plan. In fact, the extra amount included with XXXX mortgage payment was " unapplied ''. FBC has declared me delinquent and is insisting on a Modification. I believe you will find FBC Mortgage is in violation of federal law. FBC Mortgage is not looking out for their customers and not allowing reasonable accommodations to settle up after a natural disaster.
Consumer complaint received 2021-02-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

My PayPal account was limited permanently so my money got limited for 180 days. The reason they say is because of unapproved file sharing services, even though I just sell a XXXX and they pay me to PayPal. I really need my money for my daily expenses and tuition fee. I believe that this was their mistake, even If I report this to them, they will not do something about this issue. Can you help me with this, here is my PayPal account XXXX.
Consumer complaint received 2017-11-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NY)

I filed a formal complaint with Navient more than two weeks ago, backed by evidence and statutory precedence of NYS Labor Law in support of discharge of my student loans due to disqualifying status based on a previous XXXX XXXX XXXX.. 

After I field a formal complaint with Navient in XX/XX/XXXX, I was immediately notified via their website that I would hear a response within 5 business days. 

As of today, XX/XX/XXXX I am still awaiting a response. 

NYS Labor Law Section 1125 ( 1 ) and the Americans with Disabilities Act ( ADA ) covers the employment of XXXX and furthermore illustrates that at the time my student loans were originated I was not of sound mind to make the important life decision of choosing a university to attend, a major, loan financing, and/or a future career. 

Subsequently, since graduating from XXXX College in XX/XX/XXXX, I have remained unemployable in my field of study. 

During the life of my loans, I was steered by my former lender, XXXX XXXX, into a loan consolidation and several forbearances without being informed of the future financial ramifications : specifically, longer pay off periods at far greater amounts. 

This has resulted in a remaining balance over {$15000.00} in student loan debt after over ten years, with interest that continues to be compounded daily!
Consumer complaint received 2017-11-15
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: MRS BPO, LLC (LA)

I had a prepaid cell phone service with XXXX. I terminated the account with them and never received a bill and they placed my account in collections and it was reflected on my credit report. I paid that bill of {$240.00} off and I found another collection account, placed on my credit report, 2 years later under XXXX. I called and spoke with XXXX and they said it was for a cell phone that was n't returned. I have tried several times to return the cell phone an each time, I was told they could n't take the phone, because the account was a collection account. I called XXXX on XXXX/XXXX/XXXX to clear up, this second collection account on my credit, as I have no idea of why it is there. And I was told they could n't accept the phone again and they could n't discuss, my account with me. I was given a second number to call XXXX and the number was to a company ( MRS Bpo LLC ) a collection agency.I Spoke with a XXXX XXXX XXXX, he only wanted to discuss making a payment to a company, that was not on my credit report, nor I had never done any business with them. 

I reviewed my credit file again, there is no record of ( MRS Bpo LLC ) on my credit file, I have XXXX listed as a collection account for {$1400.00}. I paid my last bill and never received any other bill request for payment. 

Under the Fair Credit Reporting Act ( FCRA ) if it is inaccurate, it must be remove permanently. I do n't owe XXXX, nor XXXX XXXX XXXX, has damaged my credit file and XXXX is trying to defraud me and extort monies from me. I am requesting that the negative account be removed and any future business or contact by XXXX XXXX cease and desist. I have no business dealing with their company. 

I have attached several copies for my credit report, one showing I paid off the XXXX bill, after the account was closed and placed in collection, a second copy of the report, showing the second collection, showing up 2 years later and under XXXX and is what both parties are saying is correct. XXXX is not the debtor, but, it is listed under XXXX and not XXXX XXXX as of the date of this filing. Both parties are in v violation of the ( FCRA ) with inaccurate information. If they ca n't keep record of whom, the account is in control of, how can I as the consumer, have any idea of whom to pay or return the cell phone to, as I still have it in my care to this day. If the debt is for a cell phone, that was n't returned, then this is a easy fix, they receive their phone and release my credit file of the debt.