davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services (RI)

When entering repayment in XXXX following in-school status and grace period, the servicer, XXXX XXXX XXXX , sent all notices/bills/correspondence to an address that I have never lived at nor had any association with and were making phone calls to a number I have never been associated with ( XXXX XX/XX/XXXX ). I contacted the servicer directly to inquire about billing and payments in XX/XX/XXXX, it was then that I was I was informed I was behind on my payments and directed into general forbearance. I was never informed that they had incorrect contact information for me. I was lived at the same address and had previously received correspondence about educational loan at that address, my promissory note lists the correct address, which remained my address through XX/XX/XXXX. I only became aware of this error on behalf of the loan servicer after requesting my full account history via a FOIA/Privacy Request in XXXX It remains unclear to me if my personal information was shared with a stranger. 

As a result of this servicer error, interest was capitalized to my loans and I was unable to make payments on my student loans that would have been considered qualified payments for XXXX. The interest cost of this error was passed on to me ( {$1600.00} in capitalized interest ). I have inquired multiple times as to why my basic account information was incorrect and the scope of disclosure of my personal information. I have never received an explanation. As a result of the error, I did not receive any correspondence regarding repayment and missed the opportunity to begin payment for XXXX  months. 

I have documentation to support my claim, it contains personal information and can be provided upon request.
Consumer complaint received 2021-10-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (GA)

XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), including Transworld Systems Inc. ( XXXX ), I set up payment arrangements with XXXX and XXXX ( the same entity ) and met my payment obligations. The debt was initially for USD XXXX, and I made payments totaling over USD XXXX ; additionally, my Federal Income Tax Refund for XXXX was garnished at USD XXXX. 

XXXX alleges I still owe USD XXXX and has reported their error to all three credit reporting companies of XXXX, XXXX, XXXX.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I was stunned to find inaccurate accounts suddenly appearing on my credit report this morning, and I have no idea why! I regularly check my credit report, but this time, there were unexpected discrepancies. I even refreshed my browser, hoping it was just a glitch, but no luckthe inaccuracies remained. Because of this situation, I urgently request that the documents Ive submitted be reviewed carefully, so I can stop worrying about this issue.
Consumer complaint received 2018-11-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NY)

I have ( TWO ) complaints. 
On XX/XX/18, I got a letter from Ditech in reference to My annual Escrow Account Disclosure Statement ; It stated that my account has a shortage of $ XXXX, of which I could pay the full amount or spread it out over a 12 month period at $ XXXX per. month. 
On XX/XX/18, I send a one time payment of $ XXXX instead of spreading the payments out. In doing this my New monthly Mortgage would be $ XXXX.In XX/XX/2018. 
Surprisingly to say Ditech conveniently ignored my earlier deposit and factored it into my XXXX mortgage to a new total of $ XXXX. Setting me up for disputing my monthly payments on tack for foreclosure. 
So I see a pattern to date.I have previously lodged a complain about how Ditech still owed me $ XXXX for monthly contribution of $ XXXX I have made, part of an Incentive of the Home Affordable Modification, under the Borrowed Incentive as long as the loan was not 90 days delinquent which to this day never missed a day. XXXX XXXX   along with Green Tree collected it, passed it on to Dietech ; but no one is addressing this problem. 
Interestingly to know that the interest rate that is to click in after so many months have been on time never misplaced but my contribution that will eventually help to pay off my mortgage is not attended to. 
So on these two points ; please have Ditech address these for me.
Consumer complaint received 2021-05-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

For the past XXXX days ( XX/XX/21 - XX/XX/21 ) my PayPal account had been 'temporarily limited, ' so, I tried to resolve the issue by providing them with personal documents that they requested to prove my identity, such as a driver 's license, a credit card statement, and a debit card statement. But today on XX/XX/21, I received an email from PayPal saying that I could no longer use my account and that its been 'permanently limited, ' because of a 'potential risk associated to it. ' The email even goes on to say that the funds that I have in my account XXXX {$230.00} in my PayPal balance and {$530.00} in Bitcoin ) would be held up for 180 days and can not be withdrawn. However, not once did they ever give me any specific reasons as to why my account was limited or why they decided to completely ban it. So, based on their vague responses and unjust actions, I believe that they do not have any valid reasons for the ban and that they're simply abusing their power and are stealing my funds. So I hope that the CFPB will resolve this issue as soon as possible, thank you.
Consumer complaint received 2022-02-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (GA)

XXXX XXXX / XXXX / {$280.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) / XXXX / {$500.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the XXXX-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (GA)

Nelnet recently reported my account with them 120 days past due ( XX/XX/XXXX ). My account with them was paid in full bank in XX/XX/XXXX yet the insist on reporting my status as 120 days past due. The loan was paid in full. I have no business with them and haven't in over 3 years.
Consumer complaint received 2023-01-23
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

Good afternoon. I am writing from XXXX XXXX, FL, the area most recently devastated by Hurricane XXXX. Immediately after the hurricane, our lender offered a forbearance program due to the natural disaster. While my home suffered some damage, it was not enough to meet my hurricane deductible through my homeowners insurance so we decided to take advantage of the forbearance and pay for our repairs out of pocket. Leading up to the end of my forbearance period, I contacted my lender, PENNYMAC on several occasions to discuss my repayment options, despite being told someone would reach out to me XXXX  days in advance. I finally spoke with my assigned representative, on my own accord, not theirs, and we came up with the terms of my repayment program, an additional {$1000.00} per month for XXXX  months. I began this repayment program in XXXX  and have fulfilled my payments to date. 

I went on to routinely check my credit score, as I typically do, to see my credit had dropped XXXX points. I have always had good, if not excellent credit and never a derogatory remark so this was a shock. I then see it is because PENNYMAC had reported me delinquent. I spoke to several representatives who all told me the same thing, theres nothing they can do. As soon as someone comes off forbearance, they are reported delinquent, despite participating in the repayment guidelines that THEY set forth. 

Why would anyone who was properly informed, agree to a XXXX  month reprieve of paying their mortgage in exchange for years of credit rebuild? My assigned representative did not in any way notify me that this was the consequence of applying for aid after a natural disaster. 

I know XXXX  forbearance is not negatively reported due to the CARES Act. Is there nothing that protects consumers from a natural disaster?
Consumer complaint received 2022-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NC)

I have made payments for the past following months for my account ending in XXXX. The first payment was made on XX/XX/XXXX for {$30.00}. They said they never received the payment but it was withdrawn out of my account. I had to go to the bank and get a letter saying I did pay it. They never took the amount off of my account. I then made a payment on XX/XX/XXXX for {$78.00} which again was never taken from my account balance. I made a payment on XX/XX/XXXX for {$130.00} and XX/XX/XXXX for {$29.00}. Again, none of this payments were applied to my account balance and Synchrony Bank is stating that I have not made any payments to them since XXXX. I have receipts and confirmations for all of these payments. They have since then destroyed my credit and have yet to fix anything.
Consumer complaint received 2021-06-08
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. (GA)

I recently received a copy of my credit report after reviewing it, I found an item on the report that is inaccurate. The account in question is XXXX XXXX XXXX. This account does not belong to me. It belongs to a relative with the same name that lives at another address. The account in question is : Name of Account : Account Number : Reason for Deletion XXXX  # XXXX Does Not Belong To Me
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2022-02-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (NJ)

my account is overdrawn because they paid a charge to XXXX when I did not have overdraft. Why did they do this? I called the customer service line was on hold for over 30 minutes when I spoke to someone who was of no help. I send email to PNC and received a call from someone who said they will keep an eye on the account and call me back - I never received a call back. The charged had dropped off my account and magically reappeared not sure why.
Consumer complaint received 2022-02-03
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (DC)

My name is XXXX XXXX. As a Federally Protected Consumer, i am exercising my right to Remedy a situation with Navient. On XX/XX/2022, I sent Navient a XXXX and XXXX Notice letting them know that they have violated me.This notice was received by Navient on XX/XX/2022. Within the notice i informed them of how the situation could be remedied. I requested an audit trail of the alleged accounts and have not received it. They are still reporting negatively on my Consumer Reports.
Consumer complaint received 2021-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc. (MD)

On XX/XX/2021, my entire checking account ( ending XXXX ) was closed with no warning and little explanation. I had approximately {$1600.00} in that account and I have no access to any of my money. 

I only have a single document to share. This happened in an instant and I have received no explanation. 

I promptly contacted MoneyLion via phone ( my bank ) and all they told me was they noticed suspicious activity and they closed my account. They sent an email that detailed instructions on how to reopen my account but said it would take 3-5 business days to process.

I immediately asked to speak to a manager and they said there are no managers and that they were entitled to close my account without notice pursuant to the membership agreement.

3-5 business days to reopen an account is ludicrous. I am penniless. I have no money left to feed myself, pay my bills, or celebrate my birthday ( which at the time of writing is in a day ). 

They also said that I owe them an explanation as to the suspicious activity. The only activity that could be construed as suspicious was my student loan disbursement on Monday, XXXX ( approximately {$5100.00} ). But that is outrageous, given the fact I have been a customer for over two years and have had my loans disbursed to this account for nearly as long.

Waiting 3-5 business days is simply unacceptable. The fact that there is NO support or immediate review of these instances is mind-boggling. I am at a loss for words.
Consumer complaint received 2021-10-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: AMERIS BANCORP ()

Since Ameris bank has decided in XXXX to close my account, the bank has executed, without any order or agreement from my part, a transfer to an unknown account We sent several emails to the manager to have more details about this transfer to resolve this issue immediately We just received a quick answer Good afternoon, My apologies for my oversight. I don't recall your original email. 
It appears the amount was an automatic transfer to an external account Thank you, We tried to get more information by phone 2 times also, without success.
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (TX)

XXXX  Nelnet, Dept of Education continue to report and include INTEREST on my federal student loans. I have continuously tried to file disputes but XXXX  keeps accepting this information as accurate. Since COVID, until XX/XX/2021 they are not supposed to charge interest on student loans but they have and they have added it to my credit report, which I have disputed with no resolve. From the federal student aid website : Coronavirus and Forbearance Info for Students, Borrowers, and Parents At the U.S. Department of Education ( ED ) office of Federal Student Aid, we are actively monitoring the coronavirus/COVID-19 emergency. 

COVID-19 Emergency Relief Flexibilities Extended Through at Least XXXX XXXX, 2021 The COVID-19 emergency relief flexibilities include but arent limited to the following relief measures for ED-owned federal student loans : a suspension of loan payments a 0 % interest rate stopped collections on defaulted loans
Consumer complaint received 2021-05-04
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. (GA)

I NOTICED FRAUDULENT ACCOUNTS ON MY CREDIT REPORT THAT I DID NOT OPEN. THESE FRAUDULENT ACCOUNTS ARE HURTING MY ABILITY TO OBTAIN CREDIT. I DEMAND THESE ACCOUNTS BE REMOVED IMMEDIATELY.
Consumer complaint received 2022-02-03
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. (FL)

Hi the reasoning for this dispute is the following information listed on my credit report is inaccurate and fraudulent. I have contacted the following credit bureaus Equifax, XXXX and XXXX to have the inaccurate and fraudulent items removed but i didn't get a response, I am requesting that you the company ( CFPB ) change and update the incorrect items reporting on my credit report. Attached or supporting documents for this request ( Driver License, Social Security Card, list of fraudulent Inquires ) Also, I will attach my report filed with Identity Theft ( FTC ).

Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 

Thank you, XXXX XXXX
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX {$1700.00} XXXX {$0.00} XXXX {$100.00} TD XXXX  XXXX {$8500.00} XXXX {$300.00} AD XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX TX ) XXXX -Balance {$2700.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX {$1700.00}
Consumer complaint received 2020-07-19
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8400.00}, {$31000.00}, {$13000.00}, {$7300.00}, {$28000.00}, {$180.00}, {$170.00}, {$700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8400.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7300.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$180.00} -This is not my account. 

7. XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$170.00} -This is not my account. 

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$700.00} -This is not my account.