davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (KS)

I am seeking student loan forgiveness through the Public Service Loan Forgiveness ( PSLF ) federal loan program. I began working in public service in XX/XX/XXXX. I have made the payment every month since that date. I have had multiple issues with XXXX XXXX ( now XXXX ) and FedLoan regarding the calculation of my payments toward loan forgiveness. According to the law, I should be eligible for loan forgiveness after 120 on time payments which would be in XX/XX/XXXX. FedLoan has said I will not be eligible for forgiveness until XX/XX/XXXX. FedLoan contests the payments I have made stating that XXXX XXXX records indicate that I did not have a bill that month, or that the payment was XXXX XXXX off! I use autopay so this can not be the case! I've never manually entered the payment amount. Additionally, I have 2 loans and over 10 of the contested payments were included for one loan but not for the other. I have called XXXX XXXX and XXXX multiple times to try to obtain the records of my loan payments to no avail. I have contacted FedLoan multiple times. FedLoan responds that they will request a " manual recount '' of the payments I have made, but does not provide any documentation that this is being done. I have contested the payment amounts with FedLoan since XXXX. 
I am a first generation college student. I had to finance my education with student loans. I went into public service after graduation because of the PSLF program. I make my payments on time and want every payment to count. Any assistance you can provide in this matter would be greatly appreciated.
Consumer complaint received 2022-07-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

On XX/XX/2022 I called XXXX from my cell ending XXXX. Was guided to leave a voicemail. I left a voicemail indicating this debt that is showing in my capital one app of - {$290.00} was discharged in a federal XXXX XXXX  bankruptcy case : XXXX. 
I received a voicemail from an " XXXX '' advising me to call XXXX on XX/XX/2022 at XXXX PST. 

I called back just now and spoke to a rep who was hard to understand. She put me on hold to THE WORST HOLD MUSIC IVE EVER HEARD. BLARING TRUMPET/SAXOPHONES AT VOLUME XXXX. HORRENDOUS HOLD MUSIC. That hold music should be illegal because it makes people hang up so Capital One doesn't have to do their jobs as required by law at this " consumer protection department. '' I called again and received a rep named XXXX. I advised XXXX of my name and what was going on. She asked if I minded being placed on hold, I said I do not want that music again so she can mute me. She said she has no way of preventing the music. I then stated that I do not want to be placed on hold then and if she has a problem with that, transfer me to a supervisor. I NEVER ASKED FOR A SUPERVISOR. She asked if I minded being placed on hold in which I said Yes, I do mind. I do not want to be placed on hold. She then placed me on hold anyways, in which case I hung up. 

Very poor customer service skills, very very very rude to me. No listening skills whatsoever. Why ask a customer if they want to be placed on hold when you'll do it anyways? Why even ask? 

XXXX, terrible company as many agree. Moving forward, the debt showing on my app is NOT OWED. A court could agree that showing that negative balance and seizing any deposits would violate federal law, as the debt was included and WAS XXXX under the above case number. 

Capital One is violating federal law attempting to collect a debt that is not owed and I would like the CFPB to stop them from doing so.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (FL)

My wife XXXX XXXX and I XXXX XXXX have been paying our XXXX XXXX loans with Chase Auto Finance late XXXX days late but never 30 or more days late. All of a sudden Chase decided to report this specific payment as 30 or more days late when in fact it was not 30 or more days late. It was paid on the XXXX day. We have disputed this to the credit bureaus twice once on XX/XX/XXXX and once again on XX/XX/XXXX but it has come back as updated and accurate but its not accurate. I have also contacted Chase Executive office and after 1 day of investigation they called me back to tell me that it was accurately reported. When it fact it was not accurately reported and they have told me theres nothing they can do to help me. Also, my brother XXXX XXXX has never been 30 days late on his chase sapphire preferred card. It was paid on the XXXX of XXXX and it was reported accurately. It was paid again on XX/XX/XXXX and Chase came back and flagged it as 30 or more days late when in fact it was not 30 or more days late because he paid it on the exact day on the previous month. I have no idea what is going on lately with Chases reporting but its not accurate. They have been reporting to the credit bureaus on different days every month lately as well which could possibly be causing the mishaps. My wife & I 's car payments are paid over the phone so there is no email sent to confirm the payment date. But we pay it every month on the same date which is usually the last day of the month so that its not 30 or more days late. We have all worked so hard to keep our credit good regardless of our current financial circumstances and were being penalized right now with this inaccurate reporting.
Consumer complaint received 2021-03-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (GA)

Began mortgage refinance process early XX/XX/XXXX with BB & T Truist. Was told to expect 60 days to close ; which I accepted. As of today, XX/XX/XXXX, I am Day XXXX and still no answer as to close date.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (IN)

On XX/XX/2022 I went to check my statement on my XXXX XXXX XXXX, which is through Comenity Bank or Bread Financial. There was an error stating that they were delayed with scheduled maintenance and the online site should be back soon. I was able to make a payment that day, but it hasn't posted in my account statement from the account I paid it from. 
I went to check my statement again as my payment is due on XX/XX/2022. I wanted to schedule my payment and needed to check my statement to figure out how much to pay. The website is still down, and it wouldn't even allow me to log in like it did on Sunday. 
I have tried reaching out to customer service and their phone lines are off. Comenity is responding on social media just saying that regular maintenance is taking longer, but they never warned us that there would BE any maintenance. 

I bank with XXXX and XXXX XXXX as well and there's always notice before they do anything that would limit access to accounts. 

Cards are being declined, payments aren't being processed, customer service isn't even available ( which is the alternative for payments ), and the social media presence is repeating the same thing. I am worried that their security was breached and my safety and information is at risk. 

My job also measures my performance based on how many of these credit cards that I sign people up for, but I am not comfortable offering a service that is unsafe and unreliable. 

As of XXXX minutes ago, the service is still down and there is no way to make payments. Comenity states that they will waive late fees if your payment is due today XX/XX/2022 with the cut off for waiving fees being XX/XX/2022. With how long it has been since their services have been completely inaccessible, there is no guarantee that anyone will be able to access their accounts by then. 

This is despicable on their part, and there should be some consequences.
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I got my credit report and noticed multiple hard inquiries on my credit report that I didn't authorize. I never had a capital one account. 

I have XXXX XXXX  but few months ago my account was hacked they stole my money that was in my account and tried to file claims and apply for a credit card.That was not me And I'm not sure wat that other inquiry is but can please remove all XXXX off my credit report
Consumer complaint received 2021-02-22
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: EQUIFAX, INC. (CA)

I cant view or monitor my Equifax credit report. I continue to call into the XXXX and placed on holds with XXXX customer service from Equifax. I was apart of the data breach and part of my settlement is to have the ability to view and monitor my credit report. Equifax keeps taking away my ability to view and monitor my report which is a breach of the settlement.
Consumer complaint received 2022-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Back in XX/XX/2020 saw XXXX XXXX account reported which is not my account now there is two accounts both charged off and effecting my credit that i have no knowledge of opening or owning
Consumer complaint received 2022-10-20
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. (NJ)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the item listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the account as they are fraudulent & were opened without my consent or knowledge. 
XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2010 Balance : {$0.00}
Consumer complaint received 2019-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: PENTAGON FEDERAL CREDIT UNION (NY)

I have received conflicting information from PenFed on having the interest rate reduced on my PenFed Promise Card. At one point, I was told that if I submitted an application to have my credit reviewed for a credit line increase, this would automatically trigger an APR review. After that, I was told that the only way to get a lower rate is by applying for a new card. As such, I applied to see if I could get a lower rate ( application # XXXX ) and had the agent put in the notes that I was applying for a lower rate on my existing Promise card. I was approved for a lower rate, 12.49 %, which is somewhat substantially lower than the current 15.24 % that I currently pay on my Promise card. That said, they will only give me this rate if I open a new card, not apply it to my existing card. This makes no sense and serves no legitimate purpose since their underwriters have decided that I qualify for this lower rate and can clearly change rates since they do for things like penalty APRs, etc. By requiring the opening of a new card, it harms my credit because I lose the 2 year history I have with my current Promise card AND my credit takes a hit for a new account - even though it is essentially the same account. I want the 12.49 % applied to my current Promise card.
Consumer complaint received 2022-06-28
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: Experian Information Solutions Inc. (NC)

Experian does not allow me to upload supporting documentation for an active dispute I filed a dispute with Experian on XX/XX/2022, requesting they adjust the status of the bankruptcy from " filed '' to " discharged ''. The dispute was initiated and I was advised to upload supporting documents via www.experian.com/XXXXXXXX XXXX XXXX XXXX ). The instructions are as follows : " Please select at least one document to upload. You may upload up to five documents totaling XXXX megabytes. Accepted document formats are TIFF ( in black and white ) and PDF. '' Using XXXX XXXX as the internet browser, I attempted uploading a black & white PDF document, which was XXXX in size ( much less than the maximum XXXX allowed ). This upload attempt failed. I then tried uploading in a different browser, XXXX XXXX, which resulted in the same error message. I then tried uploading a TIFF type document in black and white, and the same error message occurred. Each time, the error message stated that the file type was either incorrect or too large. 
I called Experian to inquire as to why this was happening, as I was following the instructions closely. Experian representative said there is nothing that can be done and to just mail the supporting documents to their address in Texas. 
This is a terrible system with terrible customer service that disables the customer 's ability to efficiently submit documentation that -- is already superfluous in the first place -- other credit bureaus report accurately on. Experian needs to be held accountable for their intentionally laborious, convoluted, and stalling processes and tactics.
Consumer complaint received 2022-09-17
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. (MO)

XXXX & XXXX ( XXXX ) U S DEPT OF EDXXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX accordance with the Fair Credit Reporting act 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 2022-06-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OK)

I disputed a reporting by Portfolio Recovery Associates , LLC. They sent me a copy of a credit card statement, but did not send me a copy of the contract that I allegedly signed with the original creditor and did not send me a copy of the agreement authorizing them to collect on behalf of the original creditor or a sale agreement.
Consumer complaint received 2022-04-12
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. (NJ)

1- XXXX XXXX : Don't recognize this account, i think there was an error this has to be fraud. thank you 2- XXXX  XXXX XXXX XXXX XXXX : Don't recognize this account, when covid-19 came a lot of people was doing fraud on accounts and i think mine was one of them. 

3- XXXX XXXX  Don't recognize this account, i don't know where it came from or who did it but it says unspecified inquiry that i didn't make is fraud. i called the company and they said the same thing
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX, Capital One : XXXX, XXXX XXXX XXXX has violated my rights.

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 2022-06-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd. (ND)

Today ( XX/XX/2022 ), I had received a text message from Harris & Harris supposedly a debt collection firm for the State of Maryland, XXXX requesting me to pay for services. I had not received using the name, XXXX in the text message including using my official cellular telephone number XXXX to pay at " XXXX '' or click this link to pay at " XXXX XXXX XXXX ''. In which, I had not received any medical services at any of the State of Maryland, XXXX or any other services. I do not want Harris & Harris debt collector firm sending me any other fraudulent debt collection alleged text message bill when I do not live in the State of Maryland. Either do I want Harris & Harris debt collection agency placing fraudulent debt collection bill onto my credit file report.
Consumer complaint received 2021-03-02
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Conduent Incorporated (FL)

I have unemployment benefits from the state of Florida and yesterday XX/XX/XXXX I went to atm to get my daily limit from my card to put in my regular account to cover my rent check. My daily limit is {$500.00}. My rent is {$910.00} a math and still needed to acquire the remaining {$410.00} today on XXXX XXXX. It states I've exhausted my limit for withdrawals and there's ONLY ONE phone number to reach the people who control the card. I called it and there is NO WHERE TO BE ABLE TO TALK TO A LIVE PERSON! ITS ALL AUTOMATED. I've gone through the paperwork for this card on their website and no where does it say it's not only a daily limit but a time sensitive limit. So I don't know if I should start to panic thinking I wrote a bad check. Since I can not gain access to my money. I can purchase stuff. I did withdraw from the account at XXXX yesterday XX/XX/XXXX but I have never experienced a card to go not only by the daily limit but a time frame of 24 hours. By the time someone gets to this or tries to answer me it's going to be too late. I'm just letting you know I can't believe the government has the ability to give the money but not be able to answer questions. It's ridiculous!
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Georgia Student Finance Authority (GA)

Too whom it may concern Im submitting this complaint on my own theres no third party involved. Georgia Student Finance Commission Is in violation of the Truth and Lending Act 15 U.S.C. 1666 Correction of Billing Error. They have reported my account 90 days late which is in error. I filed a hardship with Georgia Student Finance Commission. I submitted a hardship to put a pause on my GA student finance loans back in XXXX through GA student finance portal. In XXXX I called GA student finance since I didnt hear from them. Someone from their department while on the phone with me advised that I forward my case ID to her and that I was all set ( see attachment ). On XX/XX/2022 I called and spoke with XXXX concerning my account. She said my account was never worked on and she will be working on it. She stated she would send an email that day and never sent it. The lack of organization, professionalism and effort on Georgia Student Finance Commission part has caused my credit score to drop because they didnt do their job. This is really hurting my reputation and effecting my ability to buy a house.
Consumer complaint received 2019-12-10
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. (SC)

There are two accounts ( XXXX credit card and XXXX loan ) on my Experian credit report that popped up around XX/XX/2019. I did not apply for these accounts, these are fraudulent accounts and my bank account was takeover and I had to change all of my bank information. Someone changed all of my login credentials on XXXX website which was a red flag for me. I submitted a police report, FTC report, and a Identity theft cover letter. Experian did not block this information because of the information they got from XXXX, however I have not received anything from XXXX with proof these accounts were mine. This is drastically damaging all of my financials for my freight brokerage and it needs to be resolved as soon as possible.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DE)

This was a credit card which was opened and used fraudulently and when I reported this to XXXX they investigated and agreed to close the account and all charges were considered fraud. Now I see this account as a debt and charged off which is totally misrepresentation of facts. I was categorically advised that final determination of the investigation was that these were fraudulent charges. I will be filing a legal remedy in this matter as well if this si not corrected on my credit report.
Consumer complaint received 2022-06-28
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (WA)

On XX/XX/XXXX I called Citizens to close the savings account. The rep " processed '' my request and sent the remaining balance ( {$0.00} ) to me via paper check which I deposited at my credit union on XX/XX/XXXX. Today ( XX/XX/XXXX ) Citizens sent me an email explaining they will charge me a {$9.00} " monthly maintenance fee '' on XX/XX/XXXX. Also today my login and password still work! I can currently login to this " closed '' Citizens savings account and see a balance of {$0.00}. My only relationship with Citizens is via this " closed '' savings account which they bought from XXXX in XXXX.