davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-05
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Nelnet, Inc. (NY)

I applied to have my federal student loans put on an income-based repayment plan and, after submitting my paperwork ( including proof of my small salary ), I was asked to submit my wife 's financial information ( including her student loan info ). After this I was told I only qualified for a $ XXXX/month reduction because of our combined income. My wife does not pay my loans, I do, and this is completely ridiculous and unfair. I can not afford a $ XXXX/month student loan payment and either can my wife.
Consumer complaint received 2017-01-17
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: MoneyLion Inc. (IL)

Item 1 ) First, The reason I am filing a Complaint against this Payday Loan Company is for several reasons. The first is that there are laws in the state of Illinois that preclude and exclude allowing interest rates greater than 35 %. The interest rates on this loan is very high and some are well above 600 % to 1800 % regarding this loan. And, this should not be allowed by law. 
Secondly, the rates are staggering and they never check to see if I could afford these loans as there are rules stating that a purchaser should not pay on more than XXXX outstanding payday loans at any one time. And, I have been paying on a total of ( XXXX ) Payday loans for well over 9 months in succession with much difficulty. 
Thirdly, I not only continue to pay these loans with exorbitant rates and fees. But, the huge charges were destroying our ability to live after deducting well over XXXX % of my take home income for well over 3 months and I have not paid my mortgage since XX/XX/XXXX and XX/XX/XXXX for both the first and second mortgages and I am in jeopardy of foreclosure as of this date, XX/XX/XXXX. 
Lastly, several Companies did not tell me of their extremely high rates they were and some also withdrew from my bank account even though I asked them to STOP future via EFT Revocation Letters. A Couple withdrew funds directly from my account even after it was Bank closed causing me to incur heavy bank fees per day of even {$50.00} or {$60.00} at certain intervals. This was a very stressful time XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX causing us to be fragmented and close to homeless situation.
Consumer complaint received 2021-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I demand the deletion of the fraudulent inquiries listed below. 

XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX on XX/XX/XXXX
Consumer complaint received 2020-06-21
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: Experian Information Solutions Inc. (TX)

all filed FTC : accounts as stated : XXXX XXXX {$200.00} XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$130.00} XXXX XXXX {$370.00} uS Dept ED {$5500.00} deptedXXXX {$5500.00} XXXX {$410.00} XXXX XXXX {$350.00} XXXX XXXX {$410.00} XXXX XXXX {$740.00}
Consumer complaint received 2020-04-21
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Account sold or transferred to another company
Company: CITIBANK, N.A. (NY)

This bank is crazy has my XXXX account as deceased as if Im dead and Im alive when I call them they refuse to hekl and update my information sold off to a funeral home crazy refuse to help me with covid 19 I need a settlement thjs is hurting my credit badly
Consumer complaint received 2017-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (FL)

I have been trying to get a financial record from Navient regarding my loan consolidation, XXXX loan forgiveness granted and additional funds that a particular university claims they sent me a check in the mail directly. I have been asking Navient, Working with an Ombudsman for months now. The Ombudsman says that he is having the same difficulty obtaining the the documents. Now, I am being called about 5 times per day and threatened about default from Student Assistance Corporation. They have sent me paperwork for forbearance. I am supposedly on Income Based Repayment with Navient? I do not want to default on my loans, but I want to see the accounting for what they claim I owe.
Consumer complaint received 2017-04-10
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (AR)

My student loan servicer Navient has for the last two years made signing up for a repayment plan that fits my budget extraordinarily difficult. Last year it was failing to process my IBR renewal in time and letting my plan default to the 10 year schedule. This year it is attempting to defraud me of more money by failing to accurately verify my household income. And this is on top of the already usurious interest rate I am charged by the federal government. 

The fact that this life destroying evil is allowed to fester and get worse is a testament to how corrupt this country has become. This once proud American is now ashamed to call himself one.
Consumer complaint received 2017-04-07
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO. (CA)

i have a credit card from chase. the credit card # XXXX. 
I did not receive the statement in XX/XX/2017 and I did not know that chase had billed an annual fee to me to this account, i called chase today and learned that an annual fee had been billed. i asked them to cancel my account and credit the annual fee back, but that told me that i am late by 1 day ( one day only ), and refused to credit the annual fee back. This is completely unacceptable and a rip-off. they did not deliver a a statement to me and I did not know about the annual fee until today. 
please have chase reverse the annual fee.
Consumer complaint received 2015-11-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

During an application for a car loan, I discovered that there were many errors in my Credit Reports with all XXXX credit bureaus ( XXXX ; XXXX ; and TransUnion Consumer Solutions ). I respectfully sent a request letter to them to investigate, delete, and forward me the names and phone others of all the people they contact, any documentation as well as a new Credit Report within 30 days per Fair Debt Collection Practices Act ( FDCPA ). 

To my dismay and surprise, I have not received any documentation evidence as stated in all my XXXX letters I sent to all XXXX credit bureaus ( XXXX ; XXXX ; and TransUnion Consumer Solutions ). 
I feel it is an intentional action by these credit bureaus to gain from the errors in other peoples credit reports so that we as consumers can pay for very high interest loans as I am paying now. Per Fair Debt Collection Practices Act ( FDCPA ) reuglations they are supposed to investigate any errors and notify me if these have been done. 
I am about to file a law suit against all the credit bureaus ( XXXX ; XXXX ; and TransUnion Consumer Solutions ) ; and before I do that I report it to XXXX.
Consumer complaint received 2017-03-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (TX)

I called American Education ServicesXXXX for approximately a year to ask about getting a lower payment plan and I was told contradicting stories. I would call and was told that I did not qualify for any lower payments. Then, I would call back a couple of months later and be told that I could apply for a lower payment plan. However, when I would call to check the status of the payment plan, I would be told that I was given incorrect information. I was even given an application I was told to submit for a lower payment plan but, XXXX kept denying my application for failure to put " N/A '' in the blank spaces. My application was denied 3 times for failure to use " N/A. '' In the meantime, my account was falling past due and XXXX referred my account to a debt collector. The debt collector found my work information and left a voicemail on work phone. I had not provided XXXX any information about my employer and did not give them or any other third party permission to call me at my job! When I called the debt collector, I informed them that I had paid my account via XXXX and that they did not have the updated information. When the debt collector conferenced XXXX into the call, the XXXX agent confirmed that I made a payment but, then the amount that I owed changed. I also asked XXXX if they informed the debt collector that I had been calling XXXX asking for help in reducing my payments and asking if I could get help catching up and if XXXX had also informed the debt collector that I kept getting the wrong information and having my applications denied from XXXX. The XXXX Agent 's response was that there was absolutely nothing they could do for me and that I would have to leave my account in collection and then wait for XXXX to make a decision on my application. After the phone call, I called XXXX directly and asked about a payment plan once again, the XXXX agent told me that she reviewed the notes on my account that the agent from the previous call had told me the wrong information about not having any options. She told me that I had the option for a lower payment plan and said she would only need to read a disclaimer before I could be put on the plan. It was only after continuously having to call XXXX, having them send my account to collections and having them play games with me for a year, that I was able to get some relief. My credit has been ruined by XXXX and they seem unwilling to work with me often. I do not think it is right how this company lied about my options and my credit has suffered as a result.
Consumer complaint received 2020-04-21
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. (IL)

The credit bureau XXXX, Equifax , & XXXX  has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. XXXX, Equifax, & XXXX  has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the XXXX law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the XXXX law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. XXXX, Equifax, & XXXX  failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection. 



I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. If the following accounts and inquiries are not deleted immediately from credit profile.
Consumer complaint received 2017-04-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (TX)

This debt was settled with a debt consolidation with XXXX in XX/XX/XXXX-XX/XX/XXXX. XXXX XXXX has been notified via multiple attempts to clear this collection from my credit reports. XXXX XXXX continues to harass me with collection notices. The continued collection status has effected me financially with low credit scores, and the inability to refinance my home at a lower interest rate.
Consumer complaint received 2017-04-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NC)

I have several inquiries on my credit report that are inaccurate, they were disputed and Equifax and XXXX are stating that the information is factual and to contact creditor. I contacted creditor and they state that the inquiry has been removed and it has been sent over to all XXXX credit bureaus, The inquiries are XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2017-04-06
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: ECMC GROUP, INC. (WA)

Premiere Credit keeps calling me before XXXX PST I have informed them to communicate with me via email because I refuse to speak with their abusive representatives. Their response is to initiate phone calls starting at XXXX PST. I just received a call on a recorded line from XXXX a sales rep, which I did not give permission because this is a two party state. The number that called was XXXX.
Consumer complaint received 2022-08-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

So I sent a letter off on XXXX XXXX. Here is my tracking # XXXX. To remove personal information and public records that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 
These are clear violations of my my federally protected consumer rights.
Consumer complaint received 2017-04-03
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (ME)

I was on an auto pay the last 18 months for a heating system which I had been told was interest free for the life of the loan. Last month the monthly amount was raised without my knowledge and when they received a lower amount, charged my account {$2100.00} in interest.
Consumer complaint received 2017-04-05
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (DC)

I have a Macy 's credit card which is serviced through Chase. On XX/XX/2017, I paid my balance in full of {$500.00} and assumed that I had a XXXX balance. On XX/XX/2017, my card was charged {$9.00} in interest charges and on XX/XX/2017, my card was charged {$2.00} for a " minimum interest charge, '' and was again charged {$2.00} on XX/XX/2017. I received emails from Macy 's to login and check my statements, but since I knew that I paid my balance in full in XX/XX/XXXX and had not used my card to purchase anything, I did not feel the need to login to my account ( their website is very confusing ). I received a notification from XXXX that my credit score - which was previously around XXXX - had changed and it had dropped to the XXXX due to Chase reporting me for delinquency. I logged into my account and found that I had a balance of {$13.00} - all of which was just interest and fees accrued AFTER I paid my bill in full. I paid the {$13.00} on XX/XX/2017 ( when I realized what happened ) and tried to file a dispute, but became overwhelmed and confused by what I needed to do in order to dispute their delinquency charge. This is not the first time that this happened with Macy 's, and the issues began when XXXX began servicing my card. 
Today I received notification that my private student loan through XXXX has raised its interest rate for the fifth time in about six months to 9.50 %, and I sought a soft quote from XXXX to refinance my student loan. I was told that my credit score was XXXX and that the key factors that affected my score are the time since delinquency is too recent or unknown and the number of accounts with delinquency ( I have no other accounts with missed payments ). I do not have anyone who can cosign for me, as required by Citizens, and did not think that I would need one as I have made years worth of consecutive on-time payments to my student lenders ( I am over XXXX ) and my annual income has been over $ XXXX for the past few years. I need help fixing my credit score so that I can attempt to get refinancing of my student loans, as I am carrying about {$65000.00} worth of student debt.
Consumer complaint received 2017-04-07
Product: Credit card — 
Issue: Arbitration — 
Company: CITIBANK, N.A. (GA)

I received a check in the mail from Macy 's for {$25.00}. Attached to the check is a letter stating that it was discovered a credit is due to my account. It states, " However, given the current status of this account we are providing a refund of {$25.00}. '' I am unsure what that means. Do they actually owe a larger amount but have decided the status of my account dictates a lower settlement? 

In the attached letter they provide a tracking number and contact phone number. I contacted the number listed on the letter to inquire. They instructed me to call Macy 's with questions. 

Macy 's claims they have no record of check being issued and do n't know what I am talking about.
Consumer complaint received 2017-04-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (MD)

FedLoan Servicing refuses to accept payments on weekends. Why? On what legal authority to they rely in order to the limit the days on which borrowers may repay their loan. No other legitimate creditors employ this unlawful and usurious practice.
Consumer complaint received 2021-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XX/XX/2020 XXXX XX/XX/2020
Consumer complaint received 2017-04-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-02-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (IL)

The debt is for an apartment lease which ended and the owner of the property sent an incorrect amount owed at lease end. I tried to explain to the collection company that the owner of the property acknowledged that the amount is wrong. I was willing to pay the correct amount do but they became very nasty and refused to discuss the true debt owed. the debt is for about {$500.00} and only {$230.00} is actually owed.
Consumer complaint received 2020-04-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (VA)

ABILITY RECOVERY SERVICES , LLC I HAVE CONTACTED THIS COMPANY SEVERAL TIMES ABOUT THIS ACCOUNT, THIS IS NOT MY ACCOUNT, I HAVE BEEN requesting validation, made pursuant to the FAIR DEBT COLLECTION PRACTICES ACT and The FAIR CREDIT REPORTING ACT, along with the corresponding local state law. Please note that I am requesting VALIDATION, I NEVER OPEN OR KNOW ANYONE THAT OPEN THIS ACCOUNT.. I NEVER RECEIVE A REPLY TO THE LETTER I SENT XXXX XXXX XXXX  I HAVE CONTACTED THIS COMPANY SEVERAL TIMES ABOUT THIS ACCOUNT, THIS IS NOT MY ACCOUNT, I HAVE BEEN requesting validation, made pursuant to the FAIR DEBT COLLECTION PRACTICES ACT and The FAIR CREDIT REPORTING ACT, along with the corresponding local state law. Please note that I am requesting VALIDATION, I NEVER OPEN OR KNOW ANYONE THAT OPEN THIS ACCOUNT.. I NEVER RECEIVE A REPLY TO THE LETTER I SENT