davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-03
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. (MD)

I recently reviewed my credit profile and noticed inaccuracies/incomplete information and accounts that are unverified. According to the fair credit reporting act, Section 611 ( 5 ) ( A ) and 15 USC 1681i, the below convergent accounts have violated my rights as a consumer. These companies have violated several of my rights, as stated below.

Violated Rights 15 USC 1681a ( 4 ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 USC 1681a ( 2 ) ( a ) ( i ) - ( 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 ; 15 USC 1692j ( a ) ( b ) - ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.

15 USC 1681g ( a ) ( 5 ) - a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

18 USC 894a ( 2 ) ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.

15 USC 2509j The full faith and credit of the United States is pledged to the payment of all obligations incurred under this section Company : XXXX XXXX XXXX Dates : XXXX - XX/XX/XXXX and XXXX - XX/XX/XXXX Action : Late payments illegally reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Action : Violation of 15 USC 1681g ( a ) ( 5 ) " a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

Company : XXXX XXXX Dates : XXXX XXXX XXXX Action : Violation of 15 USC 1681g ( a ) ( 5 ) " a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Violation of 15 USC 1681a ( 4 ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2018-05-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (AZ)

I make my student loan payments every month with no problems. I'm grossly misinformed as to what Nelnet is doing with my student loans. One day Im told I qualify for a payment thats manageable and then the next Im told Im on a payment plan that the payments go up after a certain amount of time because Nelnet thinks Im making more money each year. So I file paperwork that shows the XXXX XXXX XXXX I work for still pays me the same if not less than what I made 4 years ago. So Nelnet decides to not only go ahead and increase my payments and also not tell me about the increase. Then they harass me with emails and phone calls telling me Im past due and refuse to fix it and bring my student loans up to date. They are threatening my credit, they are threatening my stellar repayment record. Nelnet needs to get their head out their XXXX.
Consumer complaint received 2020-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: U.S. BANCORP (TX)

When : XX/XX/2020 How : emailed, called Elan numerous times. Also contacted Fidelity numerous times. 
Who : Elan Financial Services What : Consumer Privacy issue, Elan Financial Services incorrectly determines recurring charge merchants without consumer permission, does not allow consumers themselves to update this list, and Elan itself can not update/correct this list, either. 

Please see my email to Elan below. 
-- Hi, I have a Fidelity credit card via Elan. 

Recently I find out that your company software or system automatically identify certain merchants as recurring, i.e. they can incur recurring charges. This is completely false, and without my permission. Most of these merchants do not have intention to impose recurring charges, either. This is purely your software or system making the wrong choice without our consents. This is illegal as it does not have my permission. 

The issue is getting worse in which, I just found out, no one can update this recurring charge/merchant list, as I found out while on the phone with Elan customer service now. I am informed right now that they can not update this list, either. 

I urgently request you either allow me to update this list, or remove this feature completely from your system. 

Should this not be done within 30 days, I will have to file formal consumer complaint to appropriate bureau and agency as this feature violates my privacy, allows merchants to impose recurring charges to my credit card without my permission. 

Regards,
Consumer complaint received 2020-04-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Klarna AB (TX)

Original Purchase {$370.00} XX/XX/XXXX through XXXX ( line of credit account through Klarna ) Klarna.com - Payments ( account website ) I made payments made timely with no late payments. My personal email ( unrelated was hacked ) and I deleted the account immediately as it was affecting other open credit accounts. It was an urgent issue Klarna uses only your email address for logging into your personal account. I called and told them I needed my account updated for new email address. I was told to make a new email address and that updates could not be made to existing accounts. When I set up a new account and called back - I was told - KLARNA would need to set up a new account and to give them a THIRD email. I asked for final balance and to just pay by phone right then. They do not accept payments by phone and can not email an invoice or statement so I only could get bill pay information and final balance via email in writing.?????  Ok, fine. Balance according to them? {$65.00}. 

Final payment due : XX/XX/XXXX Final payment sent via bill pay ( before due date ) XX/XX/XXXX Late Fee notice sent via physical mail : XX/XX/XXXX Statement with INTEREST NOW!!! via physical mail : XX/XX/XXXX Late fee was because my payment was SHORT?? by {$2.00}. Why? Because ACTUAL balance was {$67.00}. Hence, {$2.00} balance, late fee, interest ( even though payment not late, amount in writing from Klarna and STILL NO ACCESS TO MY OWN ACCOUNT TO CONFIRM MYSELF. 

Call/email Klarna : XX/XX/XXXX STILL HAVE NOT UPDATED ACCESS TO ACCOUNT : told me would waive late fee but no confirmation number, no email confirmation and can not talk to anyone else. But need to send Bill PAYMENT of  {$4.00} ( wont cover their error or interest ) Meantime, my payment will be late in 6 days ... guess what their solution is? Wait 7-10 after I send the payment, then call back and if there is another late fee - they will waive again ... ... .what happens if more interest happens?? This goes in a loop. This is fraud and stealing.
Consumer complaint received 2015-07-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Arcadia Holdings, LLC (PA)

A debt from XXXX that had been reported by XXXX XXXX collection agency for 7 years was sold to the Arcadia collection agency who now reports it as a new collection account from XXXX to the credit repositories XXXX and XXXX. Arcadia confirmed it was from XXXX verbally, but state the start date is now XXXX when they bought it. This is a re-aging of the account and not in compliance with the Fair Credit Reporting Act. I provided XXXX a copy of an old credit report that showed the same account from XXXX and they refuse to remove it without consent from their paying client Arcadia who plans to report a collection account for 15 years from the date of the collection and 8 years past the 7 year statute of limitation for collection accounts to be reported on a credit report. The debt was from when I was young and I understand they may be allowed to try to collect it, but they are not allowed to at this point break the law by re-aging the account and report the account as new again after it had already been reported on my credit already for over the 7 year limit.
Consumer complaint received 2020-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

In the beginning of XXXX my wife and I opened a Citi checking account. According to Citi they decided to close our account a few days later. Since I had no knowledge that our account is closing my direct deposit from my job got deposited in on XX/XX/XXXX. It is now XX/XX/XXXX and we do not have access to our money. The same day ( XX/XX/XXXX ) I received a letter from Citi saying that they will be closing our account due to a report from check systems which is not true. 

Either way if Citi knew the were going to close my account before my pay check hit they should have rejected the direct deposit. Now I have no access to this money that is MINE. I  have called Citi multiple times asking my direct deposit to be sent out. Citi is refusing to send me my money in a national pandemic.
Consumer complaint received 2017-05-25
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GVA Holdings, LLC (MA)

I took out a payday loan a couple years ago. I fell behind or changed banks and missed a payment. Last year, I was contacted by letter or call to pay off {$210.00} to close the case. I paid that debt and even received a letter from North Cash in  XXXX   XXXX  to say they received my payment and case is closed. Now a year later, i have been getting emails starting on  XXXX / XXXX / XXXX  to settle the account. I have emailed to say account is swttled since last year and even gave date and check number ... Last thursday  XXXX   XXXX , I spoke with someone after getting voicemail about debt.. The guy said he was referring the case to supervisor and wanted me to fax over the letter. I said no as it should be in the file since it was their letterhead. I told him that they were harassing me for debt which was paid and if they contacted me again, I will file a formal complaint as I no longer owe the debt for a bout one year.
Consumer complaint received 2017-05-25
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CarMax, Inc. (TX)

On  XXXX   XXXX ,    2017  I received an alert that a collection account was added to my credit file. I did not receive any prior notice that the account was going to collection. To my knowledge, I 'm suppose to receive written notice allowing me 30 days to dispute the validity. This is a direct violation of my rights. I need to see a copy if the documentation that was mailed to me at least 30 days prior, the address the notice was mailed to and any other supporting documentation.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (TX)

Over the life of my Student Loans through XXXX XXXX and Navient, I have been continuously misslead over Forebarence, repayment structures, and, to make matters worse, I was not informed that my loans did not qualify for the Public Service Loan Forgiveness program established in 2007. I could be qualifying for that THIS YEAR had I known.
Consumer complaint received 2016-12-08
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NM)

When I enrolled into XXXX I felt grateful and had high hopes for a better future for myself and my family. I felt encouraged and finally able to be accepted by a college that I thought was going to help me get my career of a life time and I would n't have to worry about paying back my student loans until after I graduated. I was told that I would get a job as an XXXX if I completed their XXXX I excelled in my XXXX Program and graduated XXXX my associates, highest honors & perfect attendance throughout my entire program. Since I 've graduated I only been able to obtain Administrative and Accounting positions. I found out through a close friend of mine also attending XXXX that the school has closed, and has so many lawsuits. They 've been discredited of lying to their students, putting their student into debit and crumbled their reputation. I am very very disappointment as mush heart and stress I put myself through to graduate from XXXX my degree is n't worth the paper its printed on. I am in so much debit because of XXXX and their promises. I only graduated with an XXXX XXXX and have {$55000.00} of student loans all from XXXX ; {$45000.00} with Navient and {$7900.00} with XXXX XXXX Student Loans. Which this amount I should have not have only my XXXX but my XXXX and maybe even my XXXX XXXX. I ca n't afford this I have XXXX children and Navient wo n't help me even though I asked to discharge my loans since XXXX closed. I 've sent in my complaints to the XXXX ( ID # XXXX ) but I have n't heard nothing back about it. This is frustrating and I could just cry. I 've applied to different Architectural Companies but I just end up being an accountant or an administrative assistant. I do n't get that great pay rate that XXXX said I would to help pay my student loans. Please please someone help me!! As least work out something with me so I can afford to get my self out of this student loan debit.
Consumer complaint received 2016-10-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC (ME)

I received a letter from XXXX stating I owe a debt and must repond/dispute in 30 days or they assume it is valid. The debt is time-barred so I responded with a certified letter and regular letter disputing the debt. Two weeks later XXXX mails me stating they are not handling the account any longer. One week later Jefferson Capital Systems LLC sends me a letter stating I owe a debt of the same sum and that I have 30 days to respond or they assume it is valid. Where does this end?
Consumer complaint received 2017-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (MN)

I would Like to file a complaint on AFNI COLLECTION AGENCY On  XXXX   XXXX   2017  I sent in a debt validation on account that they say I owe So Today  XXXX   XXXX  I got a letter from AFNI With some bogus logo from  XXXX  I have never had a account with  XXXX  or AFNI in my previous Certified mail request to AFNI I asked them to please send me a copy of any credit application signature attached An Explanation of what the alleged account blance was for. Documentation that shows I agreed to pay the debt Also agreement that grants them the authority to collect on this alleged debt. A copy of their state License. That failed to send me the all of the information about this account that they claim I owe. at this point I would Like to file a complaint of HARASSMENT because they did not provide me anything regarding that this is indeed my account I also would Like to ask AFNI NOT TO CONTACT ME UNLESS THEY PROVIDE THE ITEM THAT I HAVE REQUESTED ABOVE.
Consumer complaint received 2016-09-08
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC. (SC)

Following Ally Bank 's instructions from a phone call, I downloaded and completed their PDF form to add my wife as an account owner to XXXX savings accounts. Following the form 's instructions, I submitted it to Ally Bank 's online Secure Messaging system on XXXX XXXX. There was no change to the ownership status on XXXX XXXX, so I submitted reply to the original Secure Message. Ally 's reply on XXXX XXXX was to provide them with already-submitted account information in the form of account numbers. I provided this on XXXX XXXX. Ally then told me to submit paperwork, neglecting to see the original PDF submission. On XXXX XXXX, I replied to have them check their original records because they have this already on file. 

This is the second instance of Ally " losing '' forms that they give instructions to submit online via their Secure Messaging format. I do this because I prefer to send documentation that is encrypted with my username and password rather than fax. Secure Messages leave a paper trail. My first trouble with this was when I was trying to add my wife to a checking account. This second time shows an utter ignorance of this Secure Messaging platform they set up and suggest we use. 

It has now been over two months and my wife still does not see the savings accounts I wanted to join us as newlyweds.
Consumer complaint received 2017-05-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (CA)

Master Gift Card for {$200.00} issu ed by US Bank National Association was  purchased in  XXXX   XXXX . I realized th at the card has some fraud charges for around {$60.00} and hence I reported this to the Dispute Dep artment in  XXXX   XXXX . I was mailed replacement card for the balance amount but even after regular follow-up f or 3-4 mo nths the company never acknowledged the status on the disputed charges. In  XXXX   XXXX  I was told that I had not submitted the documents for both the fraud charges and hence I had to fax the info. I faxed the info in  XXXX  and was told that the transaction was denied due to delay in submitting all the documents. I need  US Bank to look into this issue urgently as this has been going on for more than 7 months now.
Consumer complaint received 2017-03-03
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (CT)

This problem is STILL not fixed. No one except Equifax can pull my credit. All my information is correct per a phone call, I do not have a freeze per a phone call. I do n't understand why no one from the company has called me at XXXX. This is delaying my mortgage and is against the law. I feel I need legal representation because I am getting no where. Please have the executive office contact me. They also said they would mail me a report and did n't!
Consumer complaint received 2015-06-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP (VA)

I called my finance company to ask about my due date and to ask about refinancing. They are literally holding me hostage and denying me access to information by asking me WAY too many questions, claiming they want to verify. I am outraged at this finance company because I can not get information on my loan unless I let them XXXX me with personal questions that have nothing to do with determining my identity.
Consumer complaint received 2017-03-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (PA)

I do not believe Navient is amortizing the payments correctly. I 've been paying for over 2 years and my principal balance has only gone down about {$1100.00} and I pay {$50.00} per month extra
Consumer complaint received 2023-01-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BARCLAYS BANK DELAWARE (NY)

XXXX Card Services XXXX XXXX XXXX XXXX, DE XXXX This account was included in my XXXX XXXX Bankruptcy ( Case # XXXX B ). Despite the stay order issued by the Bankruptcy Court, this creditor continues to call me, my ex-wife, my ex-father-in-law and my children. The latest collection action is coming from the XXXX XXXX XXXX using the telephone number ( XXXX ) XXXX.
Consumer complaint received 2017-03-14
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: KEYCORP (WA)

1. Checking account was opened in XX/XX/XXXX for a student with parent on the account. 

2. XXXX protection was added to cover overdrafts. We do remember that money was transferred from this checking account to a place called XXXX. 

3. In XX/XX/XXXX we inquired about this " XXXX '' account that we saw on online banking that totaled about XXXX. Key Bank at the XXXX, WA branch stated " it 's your money '' and we withdrew that amount. This " reserve '' account was not closed. 

4. In XX/XX/XXXX a 'XXXX ' account was activated. However my credit report indicates this was opened XX/XX/XXXX. Key can not provide documentation stating they have records dating back 7 years only. 

5. We were unaware of any change from whatever was overdraft protection prior to XX/XX/XXXX since the process appeared the same, i.e. money was transferred from checking to an account for overdraft protection. Key Bank can not provide documentation of this and denies there ever was a cash reserve account. Key states that this account was approved by either myself or other account holder over the phone.
Consumer complaint received 2017-10-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CA)

Navient locks you out of your account after only three tries when you make an error in typing in your info, but you have no idea which error you made. 

That might not be so bad except you ca n't unlock your account unless you call them during business hours mon-fri But working people ca n't take time to spend a half hour on the phone with them during m-f business hours. 

Why ca n't you even call them on a Saturday?
Consumer complaint received 2016-08-16
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (TX)

In XXXX, XXXX charged an amount of XXXX with XXXX.  This collection company placed the account on my credit reports.  The account was disputed and removed XXXX.  Approximately XXXX, XXXX place the account with XXXX.  XXXX placed the account on my credit report again with a XXXX origination date and with an amount that differed by $1.  I informed Equifax that they already removed this disputed item and now it has been placed again.  They concluded the dispute and stated that it should remain.
Consumer complaint received 2016-01-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AL)

I have no recollection of this credit inquiry. Nor do I have an account with this company. 

XXXX ( XXXX ), XXXX, VA XXXX Phone : ( XXXX ) XXXX This company DEFINITELY can not produce any documentation or signatures where I have applied for any credit them. I need this inquiry removed. Equifax never attempted to investigate the dispute. They deemed the inquiry valid without investigation.