davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

I have been paying XXXX separate student loans to Navient since approx 2008. A couple of years ago, I increased my payments to almost twice the amount per month in order to pay the loans off more quickly. My intent was to pay the higher-interest loans first. I was told by Navient that " they did n't do that and all monies would be applied equally to all XXXX loans. '' At this point I am XXXX y.o., plan to retire in a couple of years, and I 'm still saddled with significant student loan debt. The original loan was for {$39000.00} and the balance now is approx XXXX. After all this time I 've only paid {$2500.00} towards the principal? Also -- I work in XXXX and applied for loan forgiveness but was denied because of the type of loans. I could really use some guidance here, either from you or a recommendation as to whom I can seek counsel. Thank you.
Consumer complaint received 2017-03-31
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (FL)

I had my debit card stolen on XX/XX/2017, on my birthday, and woke up in the morning to find that my bank account was drained of all its money, over {$1900.00}. Chase Bank gave me a temporary credit for the amount, but even though I provided a police report and that they money was taken out one minute after the next at a XXXX at XXXX, Chase reversed the credit and will not refund me the money that was stolen. Due to that reversal, my mortgage payments were cancelled and now I am at threat of being foreclosed on. Chase Bank will no longer assist me on getting my money returned to me.
Consumer complaint received 2017-03-29
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (CA)

In XX/XX/2017, I used my chase freedom credit card to purchase a barn door from XXXX, that gave me a wrong product, which was completely different from what I ordered. I chatted, emailed and called the store agent for a solution, and the store manager also contacted me back and promised me a solution. However, in the next couple months they just forgot everything and no updates at all, even I called and tried to reach them many many times. So, I contacted chase credit card company and request for a dispute the charge on the wrong product XXXX provide me, with a series of screenshots I chatted with XXXX agent. What shocked me was, with such sufficient evidence I provided, the Chase credit card company denied my request and chose to protect the merchant who made the mistake!
Consumer complaint received 2017-04-07
Product: Credit card — 
Issue: Billing disputes — 
Company: STATE FARM BANK, FSB (CA)

This is an update to my complaint against State Farm Bank, case number XXXX. Thanks to the CFPB, SFB responded and finally seemed willing to resolve my issue. I heard from XXXX and XXXX from corporate on XX/XX/XXXX and XX/XX/XXXX respectively. On XX/XX/XXXX I also reached out to XXXX Escalation Specialist, XXXX, who conferenced me with SFB rep, XXXX. XXXX, XXXX, and XXXX all saw something in my account and wanted to either " research '' it or in XXXX case -- refer my case to Corporate. I agreed to continue speaking with XXXX today, XX/XX/XXXX at XXXX Pacific to thoroughly examine my case, but XXXX XXXX did not call. I reached out to XXXX XXXX and XXXX this morning, requesting assistance, but have not heard back. I have been through this countless times within the past 6 months where SF Bank can not explain why they charged my Visa {$540.00} and why they lost my XX/XX/XXXX Visa payment of {$540.00}. They always need to " research '' something and either never reply or a new rep who is unfamiliar with my case falsely accuse me of requesting this charge. This is not a hard case to solve, yet it seems they see the discrepancy but refuse to admit fault. Please explain this {$540.00} " payment reversal '' that SFB placed on my Visa. If it is a refund, trace it, because I have not received it. If this reversal was done to pay for my XX/XX/XXXX insurance, then why did you do that, because I already gave you {$540.00} on XX/XX/XXXX to cover my XX/XX/XXXX insurance plans? Also, why was my {$340.00} XX/XX/XXXX Visa bill placed in collections on XX/XX/XXXX when that Visa bill was n't even due until XX/XX/XXXX??? The bill was n't due yet you placed it in collections?! Can you explain any of this? I have all my account statements on hand. Please reply.
Consumer complaint received 2017-03-29
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (NV)

KMF USA has questionable practices regarding payment refunds from consumer/personal auto loan accounts. The lender is practicing deceptive acts by holding funds while still recording the funds released from the account balance. This is resulting in increased interest charges from the lender which is not an accurate or legitimate GAAP. 

A payment refund request was received by their offices on XX/XX/2017, and they claim they complete all payment refunds in 7 business days. On XX/XX/2017, a loan officer informed me that they have just begun reviewing the request as of XX/XX/2017 and I would have to wait another 7 business days for a payment refund to be issued by paper check. 

I have been given too much different and incorrect information from the team at KMF USA. I would like something to be done to make sure they establish a clear cut process and much more user friendly for customers.
Consumer complaint received 2017-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NJ)

This is a formal complaint that Equifax is NOT reporting accurate credit information. An account was placed under my name erroneously. Since then, Equifax has damaged my name, and my credit. Equifax has entered derogatory information into my credit file. 
A request has been made for the company to provide validation of this debt. So far, the company has not comply with this. The current account is a false account which I 'm not responsible for. 


Account name XXXX Account number XXXX .... 



Recent balance {$0.00} as of XX/XX/XXXX Date opened XX/XX/XXXX
Consumer complaint received 2020-04-21
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2017-04-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

Todays date : XX/XX/XXXX Dear To Whom It May Concern : XXXX XXXX, CA XXXX XXXX XXXX, TX XXXX Equifax XXXX, GA XXXX I recently pulled a copy of my credit report and found that you are reporting the following account on my credit report that should be removed immediately. At one time I was an " Authorized User '', however, I requested to be removed as an authorized user a very long time ago. 
XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$19000.00} REV {$14000.00} MIN {$290.00} {$0.00} XXXX AS AGREED XP/TU/EF AUTHORIZED USER XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$4500.00} REV {$2200.00} MIN {$64.00} {$0.00} XXXX AS AGREED XP/TU/EF AUTHORIZED USER Per the Fair Credit Reporting Act, if I am not a joint owner, or co-signer of an account it should not be reported on my credit profile. I am requesting that you contact the creditor to confirm that I am not an owner of this account and that I am no longer an authorized user, and remove it from my report as soon as possible. 
I look forward to receiving a copy of my corrected credit report. 
Thank you for your help. 

Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
Consumer complaint received 2017-04-06
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (IL)

The credit card company in question ran my credit without my permission at a random time, then canceled my card even though I had good standing credit with them,. I was not late, delinquent or otherwise. My payments were current. I have never been so insuleted and appalled in my entire life! They did not have permission to run my credit and I did not ask for my account to be closed! Now my credit score has been altered due to an account being closed!
Consumer complaint received 2016-09-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

There are XXXX tax liens on my credit report, XXXX have been released and satisified. I would like to have them removed. I have called XXXX XXXX court and they are telling me they do not report or remove them. I called the Georgia XXXX and they are telling me they do not report to the credit agency. If they credit agency put this there, it should be removed immediately. This is satisfied and released.
Consumer complaint received 2017-04-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services (MA)

I have made extra monthly payments to my Federal XXXX for the past few years since XX/XX/2014 and have recently went through all of my statements and realized the extra monthly payments are not being applied to the principal balance of my loan. 
In turn, I am paying more in interest and my balance is not decreasing accordingly.
Consumer complaint received 2017-03-29
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TCF NATIONAL BANK (IL)

This is a complaint for Tcf Bank I have never met a group of unorganized individuals. I feel like they are trying to get over on me. I had a debt with them from XX/XX/XXXX I paid the debt off in full in XX/XX/XXXX and in exchange I was promised that they would removed the fraud alert from my name in XXXX and to this day they have not removed it yet. I call them everyday I call the Tcf Bank in XXXX Illinois and they told me to call back I call them back and get told to call back again. This is the worst experience ever. I just want this fraud alert to be removed from name so that I can acquire a new account this has been going on for a few years now. I have proof of the receipt that the debt has been paid in full which I will attach to this complaint. Please resolve this matter.
Consumer complaint received 2017-04-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (VT)

I have repeatedly contacted Nelnet for assistance in designing something that will allow me a payment that I can afford. The information that I have been given has been completely misleading, several times, and in actuality false. I have continued to contact them, never getting any assistance. I was told to consolidate my Parent Plus Loans - this was last fall. After I had been told previously not to do so. I questioned Nelnet thoroughly about this and was assured it was the right thing to do. And then my payment more than doubled. I was then told that it was because I had consolidated. Which was the advice given to me by the Nelnet load advisor. 
I have been through XXXX different sets of paperwork, all different, all needing the same information. I have called and spoken to 6 different people, none of who could tell me the same thing - except they had a " program that I qualified for '' in front of them. Each time I was given false information. Each time Nelnet could keep getting interest accrued on my account. The last person, a supervisor named XXXX approved a Mandatory Deferment, based on my net income, not gross income. I asked several times if that is what she meant and I was assured that it was. I again completed paperwork, only to find that AGAIN I did not qualify for any help - and my payment would stay the same. I have been clear with them that it was because of their misleading information and seemingly untrained staff who give out false information that I feel as if they have conned me. At this point, while they say I can pay the 20 % of my income, I can not. And I have repeatedly said I would pay {$100.00} per month. I am being financially crushed. I am a XXXX year old widow. I helped my daughter complete college with the Parent Plus Loans. I went to college when she was young to better myself. I am not better off at all, if anything I am worse off. I need assistance and a solution.
Consumer complaint received 2017-02-25
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Continental Services Group, Inc. d/b/a ConServe (TX)

XXXX college send me to collections, after having a payment arrangement with them. half of the money was paid and I had payment scheduled for pay off. When the school without previous notice send me to collections and the amount owed now is doubled.
Consumer complaint received 2016-01-15
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: ENOVA INTERNATIONAL, INC. (OH)

The lender had agreed in an email not to deduct {$290.00} from my bank account on XXXX/XXXX/16 and the payment would be due on XXXX/XXXX/16 and XXXX/XXXX/16. However, on XXXX/XXXX/16 they deducted the money without authorization and in contradiction to the agree payment arrangement. Now they are ignoring my calls and emails.
Consumer complaint received 2017-03-14
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: PNC Bank N.A. (IN)

My grandmother XXXX took a loan to refinance her home. When she took out the loan it was with XXXX. That bank has since switched to PNC. In 2011, my grandmother passed away. The executor of the estate is my mother XXXX. The home was willed to me. I have been paying on the loan for my grandmother since before she passed away. PNC will not give my mother or myself any information regarding the loan. They are stating that we need to tell them how much the loan was for. However, my grandmother has long passed and took that information with her. My mother and I believe that we are really close to a payoff amount and would like to have the information to pay the loan off and get the title. However, the bank is giving us the run around and wont give us any information, though my mother is executor of the estate, regarding the loan or the payoff amount. PNC is withholding information regarding the home and will not allow us to pay the home off to obtain the lease. Please HELP!
Consumer complaint received 2017-02-27
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: Experian Information Solutions Inc. (NJ)

A record of my Bankruptcy must be erased. My Bankruptcy was submitted in XX/XX/XXXX, and discharged in XX/XX/XXXX. For XXXX years the record has been maintained on my credit sabotaging my attempts to obtain a loan. It is time to erase the Bankruptcy from my credit file.
Consumer complaint received 2017-03-27
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (IA)

Seterus has mis applied payments which has distorted my credit rating and overstated my loan balance. This is obvious to a XXXX man. I have paid all real estate taxes and insurance, yet Seterus shows a credit balance in a fake escrow account of {$1100.00} while sending me letters that I owe {$2000.00} for past real estate taxes. I have provided them with cancelled checks. 

How long can these people continue to distort my good credit rating. This is so obvious, they are brain dead and should not be allowed to be a credit collector
Consumer complaint received 2020-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (CA)

On XX/XX/2020 my barclay card was used at XXXX XXXX it used through XXXX XXXX  which I don't get how it happened since I live 1 hour and 45mins from the store it happened at and my phone was with me. The charges that were made that were fraud were for {$890.00} and {$790.00}. 

Barclay is indicating since it was used as XXXX XXXX that I should be responsible for these charges which is ridiculous since I was never there nor have I ever shopped there. Plus its almost 2 hours away from where I live.
Consumer complaint received 2017-04-04
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (NC)

XX/XX/XXXX I financed a XXXX XXXX XXXX through Ally. I have attempted to to pay off the note by paying and sending an additional check each month. I have spent more time trying to get them to understand that they are applying the money I send incorrectly. For the past few months I have had a balance of {$52.00}, {$27.00} and {$2.00}. They have taken my payments of {$300.00} of which on {$270.00} is the original note due amount and applied {$270.00} towards finance charges on the total amount due. I have sent a total of {$900.00}. How they can charge me {$100.00} in finance charges on {$2.00} I do not know. I have been on the phone an additional 45 minutes this morning trying to talk to someone who can apply the money I am sending correctly. They continue to tell me that it is a daily interest rate on the balance of the loan. But if I have an invoice that shows that I only owe {$2.00} for the month, how is it legal for them to use the money that is left over for finance charges? I would really appreciate some help with this. I have not been late or missed a payment since the loan originated. In fact I have paid early on over the invoice amount due.
Consumer complaint received 2017-04-06
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Conn's, Inc. (NM)

I bought a living room set from Conn 's between XX/XX/XXXX and XX/XX/2016. I have had this living room for less than a year and started experiencing issues with it 3 months into the purchase. I called the company in regards to the issues because along with the installments I purchased warranty for the furniture. After many failed attempts to contact them and get a technician in to fix the issues I finally received a response. When the technician came to my home and see what parts he would need he advised me that the part would arrive in ten days and I was to call them back so they could come and fix it. Two weeks after waiting for the part it never arrived I then contacted warranty department and they advised the part would not ship out to me for another ten weeks. At this moment I discontinued the payments to the company. I feel that the company has been deceitful towards me and setting unrealistic expectations and providing me with false advertisement in regards to their products and services. I am going on months without been able to utilize the furniture, and more issues with it have arised since then with different part of the furniture. This furniture was on rare occasions used, I do not have any other persons living with me therefore I am the only person that has access to use the furniture which is maybe twice a week considering I am at work XXXX out of a day.
Consumer complaint received 2016-01-29
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: YKS Acceptance, Inc. (WY)

We purchased a car at XXXX auto in XXXX, Colorado with financing thru YKS Corp. We made above our required payment each payment but we 're always told we were behind in payments and being charged late fees and penalties. When we traded our car off at another dealership they tried to tell us we still owed payments. The car had over XXXX miles on it when we bought it and yet they would n't follow thru with their warranty program for repairs either. We had nothing but problems with them.
Consumer complaint received 2017-04-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: DISCOVER BANK (IL)

I called and tried to get a 6-12 month hardship deferment so that I could try to pay off a credit card. They stated that I have used up all of my deferments. I asked for a interest rate reduction, and the only thing they could offer was a .25 % reduction for auto-pay.
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 — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, U.S. Department of Ed, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX  violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 


XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX , XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX , and XXXX XXXX XXXX reported to Equifax that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses corrected on my report. This is a violation of my consumer protection rights.
Consumer complaint received 2017-04-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: I.C. System, Inc. (CA)

IC Systems XXXX, MN XXXX Receiving calls from XXXX Letter sent states account # XXXX IC ref # XXXX They say I owe {$4200.00} collection on a XXXX phone bill I did not open or order the XXXX I phone XXXX phones, on XX/XX/2017. 

I am reporting this as fraud. 

Thank you, XXXX
Consumer complaint received 2017-04-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (CO)

On XX/XX/XXXX my Ex husband passed away. In his Last will and Testament he named me as executor of his estate and in the time since I have been trying to handle his affairs. I was appointed personal representative of his estate by the probate court onXX/XX/XXXX and have been trying to close a checking account since that time. I have contacted PNC bank with numerous phone calls and on 4 separate occasions via mail sending various documents that were requested. I still have not been able to close the account and transfer the funds to the estate account. PNC bank was provided with death certificate on XX/XX/XXXX and XX/XX/XXXX. PNC was provided with the death certificate and personal representative paperwork on XX/XX/XXXX and XX/XX/XXXX. To date I still have no resolution to this issue and when contacting PNC customer service I am told that they have no record of the issue.