davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (KY)

This complaint is in regards to inaccurate advice regarding the public service loan  forgiveness program from loan servicer Mohela. I have worked for a qualified employer for the program since XX/XX/XXXX. I have never missed a payment, to my knowledge since XX/XX/XXXX. When discussing payment plans with the loan servicer in XX/XX/XXXX I was under the impression that the payment plan was " income based ''. 

In XX/XX/XXXX I learned of the PSLF program and inquired with Mohela if I qualified. This interaction was via phone and I have no written record of the conversation, however their on-hold message did mention that the calls " may be recorded '' and there may be evidence of this conversation with Mohela. During that call the representative informed me that my payment plan did not qualify because I was in fact on an " income based-extended '' payment plan. I, naturally, was frustrated as I had missed seven years of what I thought were " qualifying '' payments. At that time I asked the attendant to modify my payment plan to a qualifying plan. 

I do have an email from Mohela with an attached application for PSLF, but based on their statement that I would not qualify, I did not apply. 

In XX/XX/XXXX I learned of the Temporary Expanded Public Service Loan Forgiveness program ( TEPSLF ). It seemed to address the concerns that I had  regarding the misleading payment plan options. I then inquired with Mohela again in XX/XX/XXXX regarding the TEPSLF to confirm that I could qualify because I had made qualifying payments for at least 12 months and have paid on the loans for 10 years. 

When I spoke with the attendant I was informed that my payment plan did not qualify because it was some sort of hybrid income-based plan. Needless to say I was furious as I thought I could trust the advice from the loan servicer not once, but twice and I was misled. I also learned that I needed to apply and be denied for the PSLF program to apply for the TEPSLF program. I have applied for PSLF and received notification that my application has been received. 

Today, on XX/XX/XXXX I have learned that 99 % of all PSLF applications have been denied, and that the CFPB has resolved very few of these complaints. I also understand the language in the PSLF statute limits the federal government 's ability to be somewhat flexible. But I do think there should be some recourse for loan recipients who have made a good-faith effort to abide by the statute to have these loans forgiven, especially as I and many other hold public service positions that do not allow for substantial income.
Consumer complaint received 2022-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ARVEST BANK GROUP, INC. (OK)

We are a small business. We have been doing busine4ss with Arvest Bank since XXXX. Since XXXX of XXXX we have had nothing but problems. We have spent countless hours on the phone and in person with the bank trying to resolve the issues and get answers. To date all we have gotten is the run around. Being transferred from one department to the next or being told that it is not the bank it is the credit card machine company ( which was purchased from Arvest ) and that they have no control over it or the thousands of dollars being taken from our account. 
We completely stopped using this account in XXXX of XXXX and to date thousands of dollars are being taken daily with no explanation! We have deposited cash that has not shown causing overdrafts. When the mistake is finally found, they have refused to reimburse the overdraft fees. We have tried to close the account numerous times, but Arvest has refused to allow us to do so. We are at a point we might have to close our doors and file bankruptcy over the issues caused by the bank.
Consumer complaint received 2019-01-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

Single purchase made on XX/XX/XXXX for {$140.00} with a new account discount applied of {$36.00}. Statement billing cycle closing date XX/XX/XXXX with a balance due of {$100.00} on XX/XX/XXXX. Items from XX/XX/XXXX purchase were returned to the store for full credit on XX/XX/XXXX. Credit applied for the full purchase price of {$140.00} and the discount of {$36.00} was charged back. Leaving a balance due of {$0.00} on XX/XX/XXXX. A second purchase was made on XX/XX/XXXX for {$59.00} which was part of the next statement that closed on XX/XX/XXXX with a due date of XX/XX/XXXX. The statement that closed on XX/XX/XXXX also included a {$27.00} late fee. I was able to have that waived after having to explain that the items from the XX/XX/XXXX purchase were returned and full credit was applied which should apply to the balance due for that billing cycle, as since the item was returned I would not be responsible to pay for it. As a result of not paying a payment in XX/XX/XXXX they have flagged the account as past due for failure to pay additionally they have shut down my online access to make the payment that is due on XX/XX/XXXX for the second purchase of {$59.00}, leaving the only way to pay is over the phone or in person. Two issues of concern - One how many others are paying late fees or interest for returned items. Secondly and equally important is that they are reporting to the credit bureau inaccurate information lowering credit scores.
Consumer complaint received 2022-04-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The credit card company incorrectly charged the wrong account for payment, internal error, and then falsely reported to the all three credit bureaus that I was late past 30 days when I was not. 

I have asked them to remove it, they said they would look into it over thirty days ago and have still not responded.
Consumer complaint received 2022-03-23
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. (CT)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (NY)

MyFed Loan was transferred on XX/XX/XXXX to XXXX in the amount of {$8000.00}. 
On XX/XX/XXXX I paid XXXX {$4000.00} and the remaining balance of {$4000.00} on XXXX. 
To date the {$8000.00} is still reflected on my credit report as being owed to FedLoan. I spoke to MyFed Loan several times with the latest being on XX/XX/XXXX and was advised that once XXXX reports that the balance will fall off my report. However, I last spoke to XXXX on XX/XX/XXXX and was advised that them reporting would have no impact on the Fed Loan balance. 

I have also disputed this balance 3 times as wrote to FedLoan and every time they send back that the balance is correct with documentation that shows that I owe {$0.00} on my prior loans with them. The credit bureaus stated there is nothing they can do because the investigation and findings are from the company I am disputing and that the company does not have to show proof to the credit Bureau. 

I am stuck between these companies and need help resolving.
Consumer complaint received 2020-03-13
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL (GA)

To Whomever This May Concern : My name is XXXX XXXX and I applied for an Amazon.com Commercial Account Paid in full via my online Business Account of XXXX XXXX XXXX XXXX   through Synchrony Bank.

The first application XXXX was denied stating that they were unable to verify my business name. I feel like someone in their underwriting department didn't properly research my business. If they had, they would have been able to verify that my Business is a legitimate business listed in the secretary of state of ga website, that I have a tax id number and valid accounts. 

I applied again, application ID is XXXX, and I was sent to another verification team at XXXX. She verified my information. She verbally told me that she was able to verify my business and that again, it had to go to another team. I called on XX/XX/XXXX around XXXX EST. I advised her that I would be filing a complaint because I do feel that Synchrony Bank has been discriminating against me, so I want this on record. 

With this complaint, I have included my Articles of Incorporation, My EIN letter from the IRS. My agency has been in existence since XXXX. I did finally incorporate last year. I also have a business checking account through XXXX XXXX XXXX. 

I can be reached at XXXX if someone would like to discuss this with me.
Consumer complaint received 2020-03-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates (PA)

This is an old XXXX bill that accrued in XXXX. LJ Ross refuses to even contact me regarding this fact. XXXX told me that they sold ALL my account information to LJ Ross Associates, so I know that LJ Ross has  the information and they are still showing this old amount on my credit reports. They will not acknowledge me and or my requests, demands, etc, regarding said matter. They are fraudulent and they know it.
Consumer complaint received 2020-03-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (TX)

Hey, I saw you were taking action against the Great Lakes Loans company. Though going to CCC, I've accrued a total of XXXX dollars I. Student loan Debt and PLUS loans. My PLUS loan payment on the REPAYE program is around 697 dollars, which is low compared to the previous cost of XXXX. I find these payments to be insane. I was wondering if my case could be submitted intl your lawsuit.
Consumer complaint received 2022-04-25
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. (MI)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (KY)

Hello, I am not sure you can even help me. But in 2019 I opened an account with Care Credit. I used it for a while and once I had it paid off during Covid I didn't use it. I thought I was doing the right thing and honestly didn't think about them closing it. Well, my credit limit was almost up to {$3000.00}. They closed my account the end of XXXX, with no warning, no notice nothing. I realize they have that right, and it was probably mentioned in 2019. I honestly didn't think about it. They literally closed my account less than a week before I needed it. My daughters cat got sick during the night and we had to go to an emergency vet. As you can imagine it was costly. I thought my account was good, and we were denied. Anyway since they closed my account it has severely hurt my credit score. You know how it works so I don't have to explain it to you. But taking {$3000.00} credit off, it has snowballed. I had XXXX balance, no late payments, NOTHING against me. But them closing my account has hurt something I worked hard for. I was penalized for something I wasn't in complete control of. IF they would have sent a reminder, I would have used my card and kept it open. I'm just so frustrated. I haven't reached out to Care Credit or Synchrony because I haven't been able to find a way to contact them. Please help if you can, or maybe help prevent it from happening to someone else. Credit scores aren't a joke and people work hard to get them. A company like this shouldn't be able to hurt people like this.
Consumer complaint received 2021-05-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC (CA)

got a loan from loanme in XXXX., of XXXX for {$6500.00}. Have been paying {$450.00} for over XXXX which equals out to over {$10000.00}. The company says that out of the {$450.00} only {$21.00} is towards principle and {$430.00} is interest/fees with the balance of {$7000.00}. HOW IS THAT POSSIBLE. SOMETHINGS ILLEGAL WITH THAT TRANSACTION.THAT MEANS THE INTEREST RATE ON THAT LOAN IS AROUND XXXX  %. EXSCUSE ME BUT ISNT THAT ILLEGAL? I THOUGHT LOAN COMPANYS COULD ONLY CHARGE UP TO XXXX % OR SO. TRIED CONTACTIG LOANME, THEY SAID THEY CANT FIND THE SPECIFIC PAPERWORK SURROUNDING THIS LOAN, BUT MAKE SURE YOU KEEP PAYING ON THE LOAN. AT THOSE RATES THIS LOAN WONT EVER GET PAID. I MEAN WHERE HAS THE {$430.00} BEEN GOING? WHY IS ONLY {$21.00} TOWARDS PRINCIPLE? WHY IS THE LOAN MORE THAN I BORROWED? WHERE HAS THE {$10000.00} GONE THAT HAS BEEN TAKEN DIRECTLY OUT OF XXXX?
Consumer complaint received 2022-09-29
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (FL)

I had a Federal Loan being serviced thru Navient.. I clicked on a link on my payment page offering a lower interest rate and a 5 year repayment.. I thought I was just getting a better rate on my loan -- Turns out my loan is now thru NaviRefi -- I had no clue this was a private loan company -- Now i lost all my federal benefits on my student loan. They basically made their site look like i was just getting a lower federal rate on my loan. They basically scam people into taking their private loans and hiding the details on very hard to see fine print.
Consumer complaint received 2022-08-17
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. (PA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to delete this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX
Consumer complaint received 2019-03-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (TX)

I submitted a request via email and over the phone numerous times asking for my PMI ( mortgage insurance ) to be removed since my home value has risen high enough that my loan to value ration is at 80 %. Mr. Cooper insists that XXXX XXXX  will not allow loans to have PMI removal unless its 75 %, however I do not find that verbiage anywhere on XXXX XXXX or XXXX XXXX  sites. Neither do the loan terms indicate what the LTV ratio requirements are if a house happens to rise well above 80 % LTV. They even initially hinted that I could easily get it removed if my house gets appraised at a certain value and had me pay for that appraisal ( Serviced by their own third party partner ). Then they come back with a new number saying its actuallt 75 % LTV. I have email records with me screen shotting XXXX XXXX and XXXX XXXX  sites making my case clear that I should be allowed to submit an application to XXXX XXXX   for my PMI to be removed since my appraisal proves I have met the 80 % LTV
Consumer complaint received 2021-05-06
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: SYNCHRONY FINANCIAL (NY)

XXXX XXXX used an old Synchrony bank Furniture account for value city. What type out the call in XXXX of 2020 that they were delivering furniture her I called immediately I told value city about it in a told synchrony bank about it in one she failed to start paying it in XXXX and XXXX when I might credit report they told me they had removed me. When I saw on the credit report I disputed immediately but they only took off XXXX they never took off a XXXX it hurts my credit report for something that head I had nothing to do with thank you
Consumer complaint received 2019-03-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I requested an investigation of error on my credit report back in XX/XX/2018. My understanding was that the credit bureaus were supposed to complete their investigations and respond back to me within 30 days, or the contested items would be deleted. As of today, I have not heard back from any of the bureaus, and the disputed accounts are still reporting. I have even sent two follow-up letters ; both of which have apparently been ignored.
Consumer complaint received 2019-03-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (WA)

I divorced husband in XXXX, Quiken loans let us remodify the loan after the divorce and quikens loans acquired all documents to the divorce and quit claim deed XXXX put to me. So quiken loans knew we were divorced and I took I interest in House from this date, XXXX. In late XXXX, I XXXX sent in a application. To either modify or use one of their other options, since I had gotten behind. Quikens loans refused to let me do so claiming I couldn't do it, that only XXXX could, my ex husband. 
I had to go to the XXXX XXXX XXXX  to help. In learning from the attorney assigned to me, Mr. XXXX XXXX, I was informed that quiken loans had violated me in not recognizing me as " successor-in-interest ''. 
And refused to do so. I was forced to file chapter 13 bankruptcy to stop pending sale of my home. 
My attorney, Mr. XXXX sent quikens a letter asking them to recognize me as successor-in- interest, letter attached. 
I also have a recorder phone message from quikens loans from XX/XX/XXXX stating I could not do anything and that XXXX only could. 
Even after Quikens received this letter from my attorney, Mr XXXX from the XXXX XXXX XXXX back in XXXX, XXXX. Quikens is still refusing to acknowledge me as successor-in-interest. 
Quikens has never notified me and just today, Quikens is still sending correspondence to XXXX and not me regarding the mortgage, these 2 documents are attached, please notice dates of all documents. 
Quikens has and is still violating my rights as successor-in-interest under XXXX XXXX regulations as well as the " Real Estate Settlement Procedures Act, 12 C.F.R.1024 ( regulation X ) and any other federal laws.
Consumer complaint received 2021-05-06
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. (TX)

I have been a victim of identity theft for over 15 years, I contacted the credit bureau companies Equifax, XXXX and XXXX and provided police reports and filed disputes several times. These items are now charged off and have now adversely affected my credit. These reporting agencies refuse to remove these items. I am in the process of purchasing a major purchase yet these items remain on my credit file after years of disputing them. The following are some of the ones in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Transunion has once more blocked me from getting my annual-credit-report.com and has also blocked me from getting my service.transunion.com report. 

I was waiting on this to happen when I posted a section of their reporting. 

Now, both Transunion and XXXX has blocked me from getting both online access and the federal government assured annual-credit-report.com XXXX seems to have not yet giving in to allowing third party control of my credit reporting. There is some allowance at XXXX, and that's why my score is not below that certain mark.
Consumer complaint received 2022-04-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022.