davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

in XXXX I was diagnosed with a rare XXXX at XXXX years old. It has left me unable to work for the past 5 years, and I have needed to undergo various intense medical procedures in order to battle back the XXXX, i.e. XXXX and XXXX treatment. At the time of diagnosis I contacted Navient in order to come up with a manageable pay back plan, or forgiveness of the loan in case I die from my XXXX I want my co-signers to be released. There are no options for some one in my position other than to do interest only payments, or keep paying off the loan balance. My cosigners ( my parents ) are responsible for paying back the balance in full if I pass away from XXXX. I give half of my income every month to Navient because I do n't know any other way to make this loan go away. However, my income is roughly {$800.00} a month from XXXX, so loosing {$400.00} every month to a student loan payment is pretty discouraging when there 's no end to my illness in sight and I still owe over the amount I borrowed to attend college. I had been assured at the time I took out the loans from XXXX that interest would not be added to the balance as long as I remained enrolled in school, but that was not true. The company added interest even while I remained full time enrolled in college from XXXX to XXXX when I graduated. I ask the company bi-annually if they have created any options for a loan holder in my position and they have not. My loan balance is roughly {$64000.00} at this time, paid down from {$72000.00}. I originally borrowed {$62000.00} to pay for college tuition.
Consumer complaint received 2017-02-13
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FINEX Group LLC (CA)

Debt collector is attempting to collect for a towing company that towed a vehicle that i no longer owned. I sold the car to an individual and the individual that I sold the car to, got it towed. I tried explaining this to the debt collector but they did n't care, stating that i was the registered owner at the time. Which is not true and I have documentation to prove it. I have a copy of the certified document from the DMV that shows that I sold the vehicle on XX/XX/2016. The vehicle did n't get towed til after that. The Dmv clearly states that the previous owner is no longer responsible for any tickets or issues pertaining to the vehicle after the date that the vehicle is sold. My paperwork states that the car was sold on XX/XX/XXXX. The collection company is trying to collect for the car being towed after that date.
Consumer complaint received 2022-01-05
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. (GA)

It is fact that I, the affiant, have tried to resolve this matter on numerous occasions with XXXX XXXX. They have continued to violate my consumer rights using my consumer credit to harass me for a total of {$3200.00} as well as blackmailing me stating they would harm my reputation if I did not comply which is illegal under 15 USC 1691 ( A ) ( 2 ) ( B ), 15 USC 1692J, 15 USC 1602 ( P ), 15 USC 1692B ( 2 ), 18 USC 873, and 15 USC 1692d. I have also asked them to produce the original instrument in which I have signed for this alleged debt and they could not provide it. They then closed and sold my account to another debt collector, XXXX XXXX, being in violation of 18 USC 798, 15 USC 1692c, 15 USC 1692D ( 4 ). I have tried to handle this with XXXX XXXX on the dates of XX/XX/21 and XX/XX/21 and have notified the credit bureaus. They continue to violate me with their negligent and willful behavior which has not only damaged my reputation with loan balances and late payments, causing not only my credit to be denied, but also made me lose income, caused mental anguish, and XXXX inhibiting my ability to properly take care on my baby.
Consumer complaint received 2020-10-07
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: Experian Information Solutions Inc. (TX)

I'm a victim of identity thieft. I'm trying to correct the inaccurate, incorrect and misused information on my profile multiple times. The credit company is refusing to fix and correct issue and claim it's verified.
Consumer complaint received 2017-02-10
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (MD)

I fully paid for a flight using points earned via my Citi Prestige card which was delayed by over 5 hours. The benefit of the card states that " If a Covered Traveler 's Trip on a Common Carrier is delayed for at least 3 hours, we may reimburse you for expenses incurred because of the delay. '' Additionally, the benefit states that " This benefit covers [ Lodging, meals ... ], as long as they are reasonable and necessary for the Covered Traveler to incur during the delay. '' The claim center admitted that my claim was legitimate, as evidenced by the attached e-mail stating that a portion of the claimed amount was legitimate. However, in speaking with them over the phone, two parts of my claim were denied, which were legitimate. The first was a tip on a meal eaten while delayed in XXXX. The meal was reimbursed, but not the tip. However, in our society, tips are de facto necessary, since if no one tipped, the wait staff would be paid under minimum wage, which is illegal. Therefore, paying tip on the meal was necessary and reasonable during our delay, and should therefore be covered by the trip delay coverage ( The receipt of this meal is attached ). Second, we had a reserved hotel for the night of XX/XX/2016 on XXXX, which requires a water ferry and a taxi from the airport to reach. As a result of the delay, we were unable to reach the hotel in time and had to forfeit our hotel for the first night, which carried a cost of over {$500.00} ( initial reservation and cancellation receipt attached ). This expense was necessarily incurred as a direct result of our delay, and reserving a roof over one 's head is a reasonable expense, and should therefore be covered by the trip delay protection as written.
Consumer complaint received 2017-03-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: ZIONS BANCORPORATION (AZ)

I recently found out about a default judgment from Zions Bank from back in XX/XX/XXXX. This came out after I applied for a mortgage. My wife and I do not recall being served. I was ill during this time, and was diagnosed with a XXXX. I am XXXX. I looked into the service of process. It was allegedly served in in XX/XX/XXXX. The service was returned by XXXX in XXXX, Arizona. The owner of the company is XXXX. Zions Bank attorney XXXX is the person who asked for the service. I found out this XXXX was dissolved by the XXXX for not complying with Arizona State Law. This makes the service of process void. I believe that Zions Bank was aware of these facts and had this illegal company serving fake documents and then obtaining default judgments. I will attach documentation to this effect Please forward this to the Federal Trade Commission. How many other unsuspecting people did this happen to. Maybe some type of class action lawsuit is appropriate. Zions Bank is ultimately responsible as the lawyer and process server worked for them. I am also going to contact the Arizona media, and see if Channel 3 will do some type of investigation.
Consumer complaint received 2015-08-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

RE : JP Morgan Chase Account ending in XXXXI think {$830.00} in overdraft fees and interest on fees is rather usurious. 
I have been advised by a consumer protection attorney that there is a very strong case here for a class action, but really I 'd rather not tie up the court system and would rather have an uneventful resolution to this matter. 

I have been advised by council to try to seek a resolution through the CFPB.
Consumer complaint received 2017-03-24
Product: Credit card — 
Issue: Other fee — 
Company: DISCOVER BANK (TN)

I saw some charges on my Discover credit card statement that I had never noticed previously ( I having been carrying a balance pretty much since I opened the card, but have n't actively used the card in a very long time since I wanted to pay it down ). Apparently they have been charging me monthly for something called Payment Protection Plan that I do not believe I ever signed up for. I called Discover to request they provide some kind of information on how exactly I signed up for this service and they refused to provide any additional information. The " best '' they could do is cancel the protection from my account and refund six months of charges that they were posting to my account. I looked this issue up online and apparently this has been a big deal for quite some time, and a lot of people have been getting charged without actually signing up for this service. I am quite unhappy that they are able to charge my account for something that I did not sign up for! They told me that I signed up for this " service '' back in 2011, so that is a lot of payments that I have been making without consenting to this program. I was guided to this site through this web page full of similar complaints : XXXX. It seems that the monthly payment averaged out around XXXX dollars, per month, for almost 5 years ( ~ {$960.00} dollars )! I know I should have paid more attention but I never noticed that single line item when I actually used the card, and have just been making payments on my balance ever since, not making new purchases.
Consumer complaint received 2017-02-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

I have been trying to get XXXX and Experian to remove this item Now for over a year ... ... ... they keep verifying this as real and i keep requesting Validation which they refuse to give ... ... .from the information i do get it 's not my name ... ..it 's not my address ... ..and they refuse to verify Social security # ... ..i have sent letter after letter after letter ... ... ..finally XXXX sent me a letter stating they did n't have the file with the documentation to support this debt ... ... .but still nothing from the credit bureau 's even though i sent that to them as proof ... ... .i even tried to call the credit bureau 's ... they were extremely rude ... .they told me what their policy is ... when i tried to explain that their policy is not compliant with the law they said they would re-open an investigation but then nothing ever comes of it and they just move on with it on my report ..they had XXXX different social security # 's on my credit file XXXX of which did not belong to me ... .I had to ask them to remove them even though i sent them a copy of my Social security card they left them there ... .... attached please find not only the XXXX documentation backing up what i am saying they verify it but when i ask them to show me ... ..they say they ca n't cause they do n't have the doc 's to support it it 's like this never ending circle back and forth ... ..i even tried to get the credit bureau 's to bring XXXX on the phone and verify it with me ... ..XXXX refused to come to the Phone unless i would sign some waiver and the credit bureau 's let that slide but when i told them that i was recording the call one agent hung up on me and the other 2 agents said they do not give me permission ... ... ..but they had to record me even though i refuse to give them permission ... ... it just never ends with them ... ... XXXX has already removed it doue to unverifiable and the company they XXXX says they sold it to XXXX has already removed it from all XXXX credit bureau 's with a very nice letter stating they it was unverifiable and ceased trying to collect ... ... Help please ... ... they refuse to
Consumer complaint received 2022-11-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (NV)

i already have a complaint about this company that i submitted 5 days ago and no response ( XXXX ) yet however i forgot to add another complaint to that one ... .another problem besides not being able to view loan or loan documents they also clearly say on the website that we can make payments with credit cards however every month ive been forced to use a debit card because credit cards have automatically declined... ..you cant say you take credit cards but when someone tries to use it it doesn't work but then conveniently the debit card goes through just fine... this has happened through out the life of the loan
Consumer complaint received 2020-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Caliber Home Loans, Inc. (FL)

I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2016-12-29
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (MD)

A complete package was sent to Chase for review on XX/XX/XXXX. I confirmed receipt that all of the documents were received. A follow-up call was made on XX/XX/XXXX and they stated the file was under review but a sale date had been set for XX/XX/XXXX. On XX/XX/XXXX we were told that the sale date would be sent for a postponement. When we called again today to check on the postponement we were told that the file is in underwriting for review and they have up to 30 days for a response. XXXX stated that we may get an answer in 10-14 days, but the sale is still scheduled for XX/XX/XXXX.
Consumer complaint received 2017-02-26
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (TN)

I was attempting to assume a mortgage loan from my father for a house from Chase bank. The loan in question is roughly {$86000.00} and I have a credit score of XXXX and an income of {$XXXX} per year with quarterly bonuses and only small debt in the form of student loans. I submitted all information requested by Chase only to be denied on a small technicality. I am recently divorced and, after my separation, I was fortunate to be able to live with a close friend as I figured out what my next step was. During one month, I purchased season football tickets and sold XXXX of the tickets to my friend. He then discounted my rent for that month. After giving Chase all my financial information, they questioned why I had a month that was less than my agreed upon rent ; I explained what happened and offered my friend to submit a notarized document stating I paid him. Despite these efforts and all the work I put in on getting the appropriate information to Chase, they denied my loan citing " Delinquent past or present credit obligations with others ''. This is patently false and they refused to allow me to provide documentation stating so. The account representative that was so difficult to work with is XXXX XXXX in the Assumption Department
Consumer complaint received 2021-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (OH)

i was offered a pre approved ad to apply for a discover card on XX/XX/24 so i did they ran my score i was denied and they dropped my score 17 points o XXXX. it was a hard inquire but 17 points? i expect a few points but 17? thats insane any questions contact me
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My XXXX card was closed by XXXX on XX/XX/2020 because of inactivity of credit card.I went on transunion site to get free copy of report and i cant.Transunion doesnt make it easy to navigate on there home page to get report for free.
Consumer complaint received 2017-01-09
Product: Credit card — 
Issue: Transaction issue — 
Company: BARCLAYS BANK DELAWARE (CA)

I bought something with my credit card from a merchant and had a dispute. The merchant sent me the wrong item. My credit card company asked me to fax information. I let them know that I only have email and no fax. They said that they would pursue the claim without that information and if it fails, they would still reimburse me {$30.00}. I called to check on this. After waiting nearly an hour, I spoke to a representative that told me that they never offered to pay me {$30.00} for the incident. Instead, they would close the case without any resolution. At the moment, they have allowed a merchant to get away with theft.
Consumer complaint received 2017-03-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

Hi, I have both federal and private loans. During enrollment at XXXX University ( XXXX ) in XXXX XXXX which is now closed, I feel that I was cheated into paying for this degree with Federal and private loans. There were many times when the school was under investigation and in jeopardy to lose its accreditation. Now that the school is closed, the school feels like a fraud. Its been a while, but I remember while attending school, I was pulled into the financial office and told that I have exhausted/run out of funding to continue attending the school and that I should take out a private student loan and get my mom to co-sign. I told them I was nervous about not being able to get approved and then re-paying and the lady told me that she took out loans for her degree too and now she has a family and she only has to pay under {$100.00} and not to worry about it. She assured me that it was easy to take out a loan and that it would easily be approved. I really feel like I was a vulnerable victim and now i 'm stuck with an almost {$80000.00} in loan debt that I have been trying my best to pay for so many years to only find that the debt gets larger and larger. Even after telling XXXX/navient that I have been un-employed, they continue to offer me no help. At this point, my degree is worth nothing and I would like for them to refund me the money or at least the money I have paid and forgive me for the remaining debt.
Consumer complaint received 2022-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/21 I received a BoA email confirming a request to transfer {$100.00} to " XXXX XXXX. XXXX. '' I immediately called BoA and advised of the receipt of this email as it was a fraudulent request which I had not made. 
After being routed 4 offices, I landed at the Fraud Office. After I advised this office I had not made a transfer request, that Office advised that the Bank had received customer complaints about these fraudulent requests. In accordance with this office 's request, I forwarded the fraudulent email confirming the fraudulent request to transfer {$100.00} from my checking account. 
Despite having this notice of fraudulent activity, BoA proceeded to deduct {$100.00} from my checking account and charged a {$3.00} service fee, On the evening of XX/XX/XXXX, I called BoA, and after being routed through 5 offices and advising of the facts indicated above, BoA has refused to credit my account for the {$100.00} improperly deducted. 
BoA has not provided information on the whereabouts of the {$100.00} improperly deducted from my checking account. I advised BoA of my desperate need for these funds to pay for my groceries, but to no avail.
Consumer complaint received 2020-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (AR)

The card is thru Discover. I called them to see if they would lower the interest rate on my account since i have been with them since XXXX and have never missed a payment. I first called them on XX/XX/XXXX and they offered a 6 mth program which lowered the interest rate down to 9.99 % but for only 6 months. 

I enrolled in that program and was now that the 6 months is over the interest rate has gone to 22.99 %. I called Discover yesterday, XX/XX/XXXX and was told they can not offer and are not offering any help due to the covid 19. I expressed my concern why they are not willing to work with their clients like other credit card companies do. But the lady i spoke with just keep stating that there are no plans and since i just did the 6mth hardship that i am not eligible for any programs for 1 year. 

I have never paid the bill late, i pay early and usually pay more then the mininum. I don't want the card any longer and with interest rate so high it will take forever to pay it off. i have tried to get personal loan to consolidate and pay the card off but no luck. 

Please help.
Consumer complaint received 2017-02-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: LOAN TO LEARN ()

I am out of the US and need my IRS XXXX tax form. My loan with Loan to Learn was paid off in XXXX XXXX and this tax form is the last thing I need from them. I called and spoke with XXXX reps and a supervisor and was informed that their company does not have the appropriate security measures in place to send me the form electronically or even by fax. Also due to the cost they are not able to mail me the form in XXXX. I was given the information verbally which is useless being that my taxes are being prepared by a 3rd party, again because I am not in the US, or I could send an email with a letter stating I approve my SSN to be mailed along with a pre-paid shipping label. This is 100 % not acceptable for any company operating in XXXX. It is putting unnecessary burden on the customer. I fail to see how they can justify USPS as the only secure means to send tax information.
Consumer complaint received 2016-08-04
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: YKS Acceptance, Inc. (CO)

I bought a vehicle from Herbies auto in XXXX Colorado back in XXXX of XXXX and had to return it in XXXX of XXXX do to financial problems I later learned that they have been sued for hidden finance fees and I 'm having my wages garnished this was the XXXX vehicle that I had purchased from them and have recommended people to them I really do n't think that the should be able to garnish my wages if they have been sued in the time frame of which I purchased my vehicle from them please if you can help me that would be greatly appreciated