davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-30
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (IN)

Had a citi bank Best Buy card. Always paid on time and have always been in good standing. Looked today at balance and called them only to hear they closed my account on   XXXX   XXXX   XXXX     when card was up for renewal. I have never had an issue, always had low utilization on it only to be treated second hand by this company. It is sad when you are nixed by a company being a good customer. Seems like that is n't what they are seeking.
Consumer complaint received 2016-05-05
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (ME)

I called ACE yesterday & person said they had no info for me except that my case # XXXX was sent to XXXX XXXX XXXX. Telephone # XXXX XXXX XXXX XXXX. 
I have been harrassed & threatened by numerous parties including the XXXX previously mentioned. 
A person claiming to be Attorney XXXX XXXX from XXXX left a text on my cell threatening arrest & 6 months jail time. His telephone # XXXX XXXX XXXX XXXX. The telephone # he said to call is XXXX XXXX XXXX XXXX. 
An Officer XXXX from XXXX XXXX XXXX Court called me yesterday & said an officer would come today to serve me with a Deposition Warrant & I could be held. He said he could not give me any info on what it was about or who was involved but gave me a # to call. ( XXXX ) XXXX. That # ended up being another attorney XXXX XXXX from XXXX, XXXX XXXX XXXX XXXX. He said I owed {$270.00} to ACE. 
The amount owed according to ACE is {$250.00} from 2013. 
I had been helped initially by Attorney XXXX. 
It was my understanding the situation had been resolved. 
I had continued to receive calls from XXXX. The XXXX stopped their harassing & threatening calls. 
Some calls were automated & said for me or my representative to call them. My personal attorney XXXX XXXX of XXXX did call but no one answered. 
Most of the calls received were automated and only partial info was clear. They did not clearly state their name, the company they worked for or any other info. 
Naturally I assumed these were scams. 
Also the calls come from several different area codes and numerous calls a day. 
At XXXX point the message said it was check fraud which I thought was a scam because I do n't write checks. 
My bills are all online & paid online. 
I always pay my bills even if I need to make payments. 
I would appreciate any help & /or advice you can offer me. 
Thank you,
Consumer complaint received 2016-04-09
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Dyck-O'Neal, Inc. (MD)

On XXXX/XXXX/XXXX, I submitted CFPB Complaint # XXXX. Dyck-O'Neal was attempting to collect on a debt that was a result of identity theft. The complaint was resolved, Dyck-O'Neal, agreed the debt was the result of identity theft, and Dyck-O'Neal deleted the credit line that appeared on my credit report. Two months later, Dyck-O'Neal issued me a XXXX indicating that it " cancelled a debt. '' I filed CFPB Complaint # XXXX, indicating that the issuance of the XXXX was in retaliation for my CFPB complaint. The following day, Dyck-O'Neal responded to the complaint indicating that the XXXX was issued in error, and that a corrected XXXX would be issued. In an apparent total disregard for the CFPB, Dyck-O'Neal appears to have sold / transferred the original debt that was the result of identity theft. On XXXX/XXXX/XXXX, four months after Dyck-O'Neal agreed to delete the credit line, I received a collection letter from XXXX , XXXX XXXX XXXX, XXXX attempting to collect the debt that was a result of identity theft, referencing both Dyck-O'Neal and the Dyck-O'Neal account number.
Consumer complaint received 2017-02-02
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: STERLING JEWELERS, INC. (VA)

I 've fallen behind on a loan from Kay jewelers, I 'm working to resolve this, they 've taken to calling my elderly parents home and cell phone in attempts to reach me and resolve a debt aftet being told to stop calling. The number they 're using is XXXX.
Consumer complaint received 2016-11-07
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: eMoneyUSA Holdings, LLC (TX)

Emoney Usa wont work with my credit counseling service. Continually calls me as soon as a payment is missed and begins to text my cell I had to set up a payment plan since they are unwilling to wait for the counseling service to kick in. They have sent me to collections as a charge off yet I am paying them monthly from my back acct. It is now on my credit report
Consumer complaint received 2017-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I called the Department of Education in early   XXXX   XXXX   explaining that I wanted to settle my debt. I received the letter in on   XXXX   XXXX   XXXX   and called the next day,   XXXX   XXXX   XXXX  . My balance was {$1600.00}. My woman on the phone explained that if I settled for the amount of {$980.00} my debt would be considered paid in full and there would be no negative reporting on my credit reports.  XXXX  weeks later I noticed on the Experian website that the Department of Education had placed  XXXX  Failed To Pay remarks on my report dated   XXXX   XXXX   and my  credit score  dropped  XXXX  points. I called and asked for an explanation. They said I had paid late in  XXXX  so the reporting was correct. I explained that the late payment was made in  XXXX  so should be reported as late in  XXXX . I also explained that I paid the debt in   XXXX   XXXX   XXXX   and received no notification that the account would be " charged off '' and was told explicitly that there would be no negative reporting. I was under the impression that I was supposed to receive correspondence 30 days prior to the reporting, and I received the letter as stated on   XXXX   XXXX   XXXX   I have called repeatedly to get these remarks corrected and every time they said they would send me documentation to dispute the information and have receive nothing in 9 months. I have disputed the information with the credit bureaus but they keep telling me I need to dispute if with the Department Of Education.
Consumer complaint received 2017-03-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (CA)

I was notified on 2-14 that Fedloan Servicing reported my account 90 days past due. I had contacted them on 2-3 to put a forbearance on my account. I contacted them again after 2-14 and the lady who helped me showed that I had a forbearance on my account that went from XX/XX/XXXX to XX/XX/XXXX. She said she was placing a dispute on the account but nothing has yet to be updated.
Consumer complaint received 2015-07-29
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: SUNTRUST BANKS, INC. (OK)

A representative for Suntrust Bank came to my house and left a blank card with a hand written note on it asking me to call Suntrust. This person did not identify themselves in any way or form. My payment is XXXX days late and the previous week I called and asked for a deferment. I have not yet received the paperwork to fill out yet for the deferment. I have dealt with XXXX other auto loan companies and I have never had this experience from any of the other companies. I find it extremely unsettling and abusing their position as the loan provider. When I asked for them to provide information about who had came to my house the request was refused and they advised to not take it personal. Given that they sent someone to my home in what seems like strong arm tactics, I find it very personal. Then they stated that I do not own my vehicle that the bank does. I have found my experience rude and that they are over stepping. I feel that it implies that they can have access to where I live and my property anytime they deem it is necessary. They do have an interest in the car but my name is on the title. What does it matter to them what sort of condition the vehicle is in if I am making the payments or keeping in contact with them to make arrangements.
Consumer complaint received 2023-01-05
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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX In lieu of speaking with my Loan officer, he made me aware that one o accounts on my credit report was not updated. This has made my home purchasing situation more diffucult than it should be. I have made several attempts to get this revolved but I have not recevided the corrective actions necessary to my accounts as of yet. I have the credit card statement attached and requesting an immediate update to my credit card balance for XXXX bank. Currently it is should I owe more then 50 % of the credit limit. The documentation provided will show a better reflection of the balance than the update from XX/XX/2022. 

I have the credit statement directly from XXXX sent from a representative to update my credit card balance for XXXX. 

Account Name : XXXX XXXX : Account balance not updated. 
Resolve : Update to XXXX credit card statement balance ( attached ) Please investigate this matter and contact the nationwide credit bureaus to have them update the disputed item as soon as possible.
Consumer complaint received 2020-04-17
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 disputed a charge of {$2000.00} since the date it was charged ( XX/XX/XXXX ). under the Fair Credit Reporting Act, the furnisher of information to consumer reporting agencies has a duty to provide accurate information about a consumers credit file. 15 U.S.C. 1681s-2 ( a ). As I deny liability for any amount of alleged debt, and because I claim that the alleged debt resulted from an unauthorized charge, it is not accurate to report that there is a bona fide past due payment. Despite a letter ( attached ) from my lawyer to remind Chase my fair credit reporting right, Chase continues to violate the law. Despite my repeated effort in getting this dispute resolved by filing for arbitration on XX/XX/XXXX per our card agreement, Chase ignore the arbitration request ( a separate CFPB compliant XXXX has been filed 2 weeks ago ). Please correct the credit reporting to all credit agencies ASAP as my credit score has suffered XXXX points decreased.
Consumer complaint received 2016-07-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (CA)

My loan servicer AES Success, has processed double payments without my knowledge. I have contacted their customer service only to be led in circles even when asking for a supervisor, a rep literally told me " No one is available '' when I asked for her supervisor. When I inquired further she said " They are all in meetings '' I was willing to wait or leave a voicemail on their phone however the rep told me I could n't wait because " I ca n't tell you how long they will be in meetings and you can not leave a voicemail on their phone. '' I then asked for their extension so I could call myself and the rep said " I ca n't give you that information. '' I have never had such an issue trying to talk to someone 's supervisor, and to top it off, the rep had an attitude about it making it seem like I was asking for the world, and she talked down to me when I asked her if she had my information correct. Terrible customer service. I was unable to get any answers regarding the double payment they took out of my bank account and my only option was to put in a request for her supervisor to call me back ( which could take up to 24hours ). I am not holding my breath on that.
Consumer complaint received 2017-01-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (TN)

XX/XX/XXXX XXXX XXXX/ NAVIENT XXXX action to collect debts for student loans for which I requested verification. I was told over the phone I had used all in-school deferment and they were going to report it to the credit bureau without verifying because they did n't have to verify at this point. I never claimed ownership of the loans, I asked for all communications to be written because the employees of XXXX XXXX/ NAVIENT would call 6-10 times a day from different numbers and yell and communicate threats to me. When I told them I was in professional school they got even more aggressive and called 6-10 times daily from XX/XX/XXXX-XX/XX/XXXX to " intentionally disrupt me until I make a payment. '' Then XX/XX/XXXX they did negatively impact my credit and I sent them a legal document detailing every illegal thing they did in a letter letter with the help of PACER.GOV along with a police report filled for harassment and again asked then to keep communication civil and written so that there can be clear language used to discuss the loans XX/XX/XXXX. They never responded nor did they ever attempt to verify, they never tried to contact me again. This month XX/XX/XXXX they handed my accounts over to XXXX XXXX XXXX , XXXX to which I requested them to verify claims made by XXXX XXXX and requested that they not contact via phone but that they mail a letter as well.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (TN)

I originally only borrowed about XXXX in student loans while in college. I XXXX in 2009 and have had trouble paying them back. XXXX XXXX now Navient never told me about lowering my payments or doing options other than forbarence. I could have possibly made a lower payment but they always just suggested forbarence so that is what I had to do. I did it until I could n't do it any more and now I owe over XXXX. This amount is obsured. It literally causes stress every day. I heard from a friend last year about PAYE and I signed up for it through the federal website. It automatically put my loans through fed loan servicing and now I owe them XXXX and not Navient. Navient misled me when I could have made cheaper payments and I do n't feel I should have to pay back my total loans because of that.
Consumer complaint received 2022-08-25
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)

In accordance with the Fair Credit Reporting act the following creditors XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, Bankruptcy Reference # 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
Consumer complaint received 2017-01-20
Product: Prepaid card — Government benefit payment card
Issue: Fraud or scam — 
Company: Comerica (NY)

Hi I have a a direct deposit comerica bank card which I withdraw my fathers benifit money every month which is XXXX monthly.But on XX/XX/2017 I went to the ATM at XXXX to withdraw a XXXX all of a sudden the machine stops and no money comes out just a receipt saying the full amount which is XXXX.So the next day. I go out the window to withdraw he money they told me my card is declined. So I go to the ATM and I only see I Have XXXX dollars left in the card. I call the the bank I explained my problem and they told me to wait for a claim form it 's been a week no form came. I call again and they tell me to write a complaint letter. I confused I do n't know wats going on my father needs his benefit money back to proceed with his life with it which is XXXX please help us as soon as possible.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I called XX/XX/XXXX XXXX XXXX to make sure the payments and overages were being applied correctly to my account. The young man said they were and not to worry. XXXX XXXX online dashboard was not working on two different browsers. I asked for the break down of principle and interest then pay off. He assured me the payment overages were being applied properly and split between XXXX XXXX XXXX I checked my online account the next day and it showed a past due balance, when I was paid ahead. I called XXXX XXXX asking where that came from and was originally told not to worry. It was a glitch in " XXXX '' their inhouse system. That on their end she could see that my account was current. A few days later it still showed past due, I called XXXX XXXX asking what was going on and was then told an employee had made an unauthorized payment reversal for XXXX, XXXX That my account now had late fee 's and was past. I asked why and after being transferred to three different agents nobody could tell me who or why it was done. I was told " He was not authorized to do that, were working to fix it. I asked several times if this would hit my credit and informed them I was going to be making a purchase in XX/XX/XXXX that I put a non refundable deposit down. The agent told me it " absolutely would not be reported because I was not late, and they notated it on the account ''. I was told they didn't know why the agent reversed it, but it was fixed, not to worry. My future purchase would be safe. I paid off the remaining balance of the loan on time XX/XX/XXXX. In XX/XX/XXXX I was setting up financing on my previously named future purchase. We checked my credit and it shows XXXX XXXX reported me 30+ days late XX/XX/XXXX. I called XXXX XXXX and was told to hold on, and they hung up on me after opening my account ... Twice. The next day a XXXX XXXX rep told me that she could see that someone had tried to check the payment leger and reversed the payment and tried to reapply it. She said he wasnt allowed to do that, and reapplied the payment he reversed on his own doing wrong. Sending my account into a fraudulent past due status. On the recoding i have she states " Its their " XXXX XXXX 's '' fault and it should have been caught and fixed the previous times that I called. However there wasn't much they could do since it had hit my credit ( XXXX points ) Someone from XXXX XXXX would call me to explain how to fix it but it would take 45 days and I would lose my cash deposit on my future purchase because they made unauthorized changes to my previous payment. Not much other than " Yes its our fault but not much we can do now '' phone call was recorded on my end.
Consumer complaint received 2017-03-10
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Texas Guaranteed (TX)

I paid {$500.00} to receive a XXXX yr forgiveness on a student loan. I was granted the forgiveness and a payment plan was established with the Federal government. To date, those payments are current. The loans that were supposedly forgiven ( school is defunct ) are now being garnished from my wages because a debt collector sent a letter to my employer stating that by law the money can still be collected. The collector stated a court order, however no court order was sent to my employer or myself. The order was issued by the collector. According to my credit report, the loans that were forgiven are listed as closed. These are now being garnished from my wages by the collection agency.
Consumer complaint received 2016-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (DE)

I currently have XXXX consolidation student loans serviced by Navient. Once I entered my principal and interest repayment period my payment amount is {$320.00} for the next 20 years. On XXXX XXXX, 2016 I received an email from Navient informing me that the payment term for my loan has changed. The email then gave a list of XXXX possible reasons for the change in the amount. The new payment amount {$330.00}. This change represents an increase of {$3400.00} over the remaining life of the loan. I called Navient on XXXX XXXX and XXXX XXXX to understand what has caused the change in the payment terms since is was not easily understood. The agents and the supervisor could not adequately explain the reason for the payment change. My loan has been on automatic payments for a least past 5 years and my loan is not past due. My interest rate is fixed and the rate has not changed. A subsequent notice indicated that there is unpaid Interest of {$20.00}. As a result the unpaid interest is not capitalized is used to recalculate the new monthly payment. This {$20.00} will now cost {$3400.00}.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (OR)

Harassment ( multiple calls and emails nearly every day ), unwillingness to give me an affordable monthly payment ( $ XXXXa month is well over 50 % of my income ), I was told that if I payed less, they would n't accept it, Demanded that I pay XXXX of dollars before they would renegotiate my monthly payment.
Consumer complaint received 2021-11-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A. (RI)

What happened? In XXXX suspicious communications from XXXX and XXXX appeared on XXXX XXXX XXXX, A user agreement was suppose to be provided placing each student on XXXX under super-vision of XXXX Describe what happened, and well send your comments to the companies involved. : XXXX  XXXX, XXXX, XXXX XXXX XXXX and XXXX did not offer to be that they were involved in the XXXX XXXX XXXX XXXX filming about MECN which published my identity Without consent, These types of Personal Health Violations have caused me XXXX XXXX XXXX XXXX XXXX XXXX have been published with XXXX XXXX and XXXX XXXX, As a XXXX XXXX  Climber I was forced to rescue a potential infant from a potential burning building flight XXXX Floor where I had to Climb the building with my hands and feet which are now XXXX after being beaten by the companies who have posted this continuous fraudulent records without my consent, I was separated from XXXX  Related Judge because I was A victim of XXXX XXXX, companies opened accounts with my name ( Fraud ) without my consent XXXX times Include dates, XX/XX/XXXX Total : XXXX XXXX XXXX XXXX XXXX : FTC XX/XX/XXXX Total : {$68000.00} XX/XX/XXXX Total : {$2400.00} XX/XX/XXXX Total : {$8000.00} Total Estimate : {$78000.00} Filming : XXXX Suspect : XXXX XXXX XXXXXXXX