davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Granite Edvance Corporation (SC)

In XXXX, my husband and I consolidated our student loans, otherwise known as spousal consolidation. At that time our combined loan balance was {$110000.00} with an 8 % interest rate. Today, despite paying a total of {$130000.00}, our balance is {$220000.00} and growing. Although we both have the required amount of payments as educators, we are excluded from the Public Servant Loan Forgiveness program, because of the spousal consolidation. Additionally, our balance continues to grow because of outrageous capitalized interest rules under the income based repayment plan which is intended to support borrowers with manageable payments. When we are in our XXXXs and set to retire, that inflated balance driven up by predatory interest will become taxable income under the XXXX plan. At that time we will have likely paid our loans back twice over, but the balance will be close to {$300000.00}. In no other industry would it be ethical to collect five times what was borrowed. We have spoken to our loan servicer many times and have been encouraged over the phone and via written communication to apply for PSLF, however we continue to not qualify because our loans are in spousal consolidation. We have attempted to convert them to a direct loan, but that is impossible under the law. In XXXX we were led to believe that we were being financially responsible by consolidating our loans, but it has turned out to be a discriminatory and predatory step that was allowed by the government for a short time. Spousal consolidations were ended in XXXX with no way to detangle and with no inclusion for loan forgiveness options offered to others.
Consumer complaint received 2022-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/22 I received my statement from Capital One. Their was a charge of XXXX dollars for a late fee on there. I called Capital One and spoke with a representative that was not rude she was just XXXX. I explained that I had this fee and she responded with what do you want Capital One to do about it. I advised that I was hoping for the fee to be waived due to the following : -I always pay my bill on time -I have not received any late fee reversals -It was a miss that I paid on the wrong card She said she would check and that the " system '' told her that the fee could not be waived. I asked her had I ever been late or requested a fee refunded before, and she took a few minutes to check and advised that no she did not show that it had. However, the " system '' told her that she could not waive the fee. I asked to speak to a manager, and the manager was unwavering. I explained further to her that I had paid the credit card off prior to billing close date ; furthermore, I expressed to her that I have been a really good customer. She advised that the research was done by the prior agent and that there was nothing to be done. I explained to her that the agent advised only that the system told her so their was no independent decision that was made.

I have two issues with this, with the first being that if I had mailed the payment on or prior to the due date I would not have been charged because 25 day due date is to allow for mailing a payment in so as long as its received by the close date there should not be a fee. Capital One received my payment on the day the billing cycle closed.

The second issue with this is somewhat more devious. What algorithm is used to determine what fees for customers are credited or not credited. Then the question is what data is used for this, is used to make this decision is it race, age, geographical region, political, consumer credit, or religion. Then the question comes into play how often is the " system '' tested or calibrated, and by whom is it calibrated by. 
The issue with this is more than what I am assuming the company is going to say that the " system '' actually ensure no bias behavior, but then one could question who programs or test the " system '' and how do we know that just like the banking industry in the XXXX used discriminatory practices to shape where people lived based on housing algorithms. 

The professionalism with both representatives of the company were of concern.
Consumer complaint received 2022-02-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent in a credit dispute letter to TransUnion of my own free will ( the letter was mailed out on XX/XX/2022, and received by them on XX/XX/2022 ) ; However, the automated system believes that I am using a third party and that I did not send in the reports myself even though no third party company was mentioned in the letter or used to send the letter out and it was hand-signed by me. Instead of trying to verify who sent the letter TransUnion took it upon themselves to disregard my credit dispute and send me a letter implying that I am lying about using a company ( the letter was received by me on XX/XX/2022 ) and that I needed to state the company that I am using. I'M NOT USING A CREDIT COMPANY!!! I spoke to a rep from TransUnion on XX/XX/2022, and he stated that they can not verify me over the phone and that I needed to resend the same letter with and send a cover page for it with my personal information that is stated ON THE FRONT OF THE LETTER they already received. TransUnion is prolonging this dispute process which is harming my credit even more. The letter that I attached to this complaint does not have a signature because it was typed on the computer however the letter they have was printed and signed by me and they have it scanned in my file to prove so.
Consumer complaint received 2022-06-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (OH)

I called AidVantage and spoke with a customer service person there and he put me on hold to research my question for quite a while, came back on and said my loans do NOT qualify for the " One-Time Payment Count Revision for Eligible XXXX Borrowers '' because I consolidated them, which reset the payment count all the way down to only XXXX AFTER DECADES OF MAKING PAYMENTS. 

This is not true and I need to be certain my loans are reviewed for inclusion in the current forgiveness situation being applied this fall. He also told me this only pertains to public service loan forgiveness, which is also not true! 

AidVantage gave me bad information, if you take the details found here - XXXX XXXX XXXX - into consideration. I just don't want to be automatically overlooked by a XXXX who doesn't really care...
Consumer complaint received 2022-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-02-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (CA)

I have sent in statements from the original creditor that the information is clearly inaccurate and violates the FDCPA and the FCRA and have cited the specific statutes in my disputes and have not received any result. I was living in California at the time and the RosenthaXXXX Fair Debt Collection Practice Act and the Federal FDCPA said Collectors may not use False or Misleading statements. I have submitted proof of the changes in the account balance without any payment being paid as a direct violation of this Law. This has caused drastic harm on my credit and prevented me from getting apartments and was even turned down for a job because of it. I am not running from my debt, I would like this issue to be resolved as they have clearly violated State and FederaXXXX laws. 
XXXX XXXX XXXX XXXX XXXX XXXX IN EFFECT -XXXX XXXX XXXX  pledge to pay {$200.00} rental assistance for late rent and property manager refused payment -XXXX  XXXX landlord file eviction -XXXX  XXXX, XXXX XXXX XXXX XXXX Close due to LOCKDOWN, never notified of eviction. And could not file a response XXXX XXXX, court date for lock out, extended due to morotorium extention ruling for XXXX XXXX XXXX XXXX City of XXXX also enacted extension with no lockouts. 
XXXX XXXX XXXX XXXX positive for COVID test result attached XXXX ( mid month ) court hearing regarding eviction. Court rules in XXXX XXXX XXXX favor. Try to settle debt. Attached court document and breakdown of debt at that time. 
Back rent no start date to XXXX {$9400.00}. 
*Utilities~ XX/XX/XXXX ( because property manager withheld sending me bill to pay the utilities and that was brought to the courts attention ) XXXX : {$150.00} *Attorney fees {$1200.00} *Cost ( unknown ) {$360.00} XXXX XXXX : court hearing regarding lock out date. 
XXXX test positive for COVID Again. 
And provided to court.I vacate property due to thinking I would be locked out and gave notice to my property manager ( turned in keys and electric garage door opener ) and my attorney the same day. 
- Court states I will be locked out 3 days later but then reverse decision. 
Judge filed ruling XXXX XXXX regarding XXXX XXXX hearing. 
XXXX XXXX XXXX Warfield opened a collection against my credit with XXXX XXXX listed as original creditor in the amount of {$17000.00} Throughout XXXX, I have contacted the legal office of ATTORNEY XXXX XXXX AND XXXX  with no response or being put on hold for long periods of time with no productive response to settle debt. 
XXXX XXXX collection amount from Hunter Warfield {$19000.00} on my credit report to date with no contact, no written information as to how to settle the debt, complete the debt or whom to contact regarding debt collection. 
To date I have not received any notice of balance or agency to contact regarding debt issue in writing to my address of record.
Consumer complaint received 2022-06-23
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)

XX/XX/2022 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer portion thereof in which information on consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or whom who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have a right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

According to : 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-15
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (NY)

Hi there. I hope it is not too late to file the complaint. 
The SSA issued my benefits in a Direct Express card. My card was stolen after an ATM withdrawal and several unauthorized transactions were made.

Most were done as credit or cash purchases not requiring my PIN. 
I alerted Direct Express and they said they would look into the situation and investigate the fraud-including reviewing security cameras at XXXX XXXX were most were done. 
In the meantime Direct Express issued me a provisional credit. However, XXXX  did not investigate and after many attempts to resolve their inaction they took back the credit. 
Please see attachments for the charges-including a charge to a wig store-Im a male and dont wear wigs! lol Also I do not eat at XXXX. Thanks very much for your help
Consumer complaint received 2022-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (WA)

My synchrony verizon visa card was closed. Creditor reason was the way i handled my account indicated a greater instance of delinquency. My account has always been laid in full every month and on time for the whole time my account has been open which has been over 1.5 years. All of my credit accounts are paid in full every month and on time. 
I requested credit increase on card on several occasions to raise credit score. All information was factual
Consumer complaint received 2022-02-15
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. (LA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-06-23
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, US DEPT ED Account # XXXX, DEPTEDXXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (NJ)

In XXXX of 2021, we mailed our income tax payment checks from our local post office. These checks were stolen, washed and deposited with altered information ( United States postal inspection service case XXXX ). One check for {$6900.00} was deposited in PNC bank on XXXX and one for {$5200.00} was deposited in XXXX on XX/XX/2021. Our bank XXXX has been trying to recover our funds and has not been successful. We get a letter every 30 days from the XXXX customer claims department stating that " we could not recover your funds ''. XXXX claims that they have done everything required and we have not been able to find anyone at PNC or XXXX that is willing to talk to us.
Consumer complaint received 2022-06-23
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (TN)

Regions Bank, Recently I filed two claim ( s ) for unauthorized purchases on my check card, and they were immediately denied requesting supporting document. 

I would like my money back and ask that the CFPB step-in and assist me, in retrieving my money. 

Claim ID ( s ) : XXXX & XXXX Dates Filed : XX/XX/2020 I would like proof of how it was investigated, how you determined that they were valid charges, and proof that they were actually investigated otherwise I will be taking more steps. 

I ask that the money be returned to my account immediately upon reviving this notice.
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Consumer Adjustment Company Incorporated (FL)

Since XX/XX/2022 I have sent XXXX multiple disputes questioning the certifiable compliance of an account on my Credit report called Consumer Adj, Account # XXXX and XXXX. Both of the original accounts were deleted and then added with all of the same information except the date opened. I continued to dispute sending another compliance dispute letter on XX/XX/2022. I just reviewed my credit report and both accounts have been added yet again with a open date of XX/XX/2022. So now I have the original two Consumer Adj accounts deleted, and two duplicates of each account reporting on my credit report.
Consumer complaint received 2022-06-22
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: Experian Information Solutions Inc. (CA)

Last year in XXXX, I visited a Diller ship to see a new car for myself. The seller said that he had a great offer for me. I did not agree because I did not want my credit score to drop because of their inquiries. The seller assured me that their dealership only works with three banks. And that all these inquiries will not be hard inquiries, and will not even be displayed in my credit history. I agreed and signed the permission to disclose my personal data. I clearly remember that only one XXXX XXXX bank wrote. I was unable to open a loan. I got upset and left. But it got even worse when, a month later, I found 25 Hard Inquiries on my credit report. I began to call the dealership, and ask to contact the manager. They wrote down my request, gave the application number, and said they would call back. But no one ever called me back. In the end, after a month of fighting with the dealership, I decided to go further and tried to resolve my issue through credit bureaus. I wrote letters ( I am attaching a copy of these letters ) that I did not give permission to all these organizations to do hard inquiries on my report. The bureaus did not answer me or simply sent me a report from my credit history for some reason. As I understand it, this is some kind of standard mailing for everyone. Then I started calling the bureau. XXXX XXXX and XXXX told me that I should call all these banks and tell them that I did not make these requests and then the banks will send an update to the bureau deleting these inquiries. And in Experian, an answering machine constantly answers me. I started calling banks. Apart from the fact that I spent a huge number of hours waiting for an answer, I ended up with nothing. Bank after the bank told me that I did not have an account in their bank, there was no information on my social security number. When I asked " why your bank is in my report as the bank that made the Hard Inquiry? ", they answered, " We dont know. Write a letter to the bureau to remove these requests. '' I answer them, I wrote and called, but the bureaus say that they can not do this without your confirmation. What is the result? A year of my life has been spent trying to get my country 's financial system to protect my rights. And everything is empty. The Bureau sends me to the banks. And the banks say that they have no information about these inquiries. This is some kind of XXXXXXXX XXXX XXXX. Where can I seek protection and how to get all these fraudulent requests in the amount of 25 inquiries to be removed from my credit report, I don't know. I found your site by accident. And I really hope you can help me. I enclose a list of all unauthorized inquiries. I am also enclosing all the correspondence that I have had all this year with banks and bureaus.