davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

I consolidated my loans with a third party that turned out being fraudulent. They falsified my information, saying that I had kids that I didn't have and was making {$0.00} ( I am a full time XXXX ). My payments to them each month went no where, as it says on the XXXX XXXX website that I have no payments made to my loans. They changed my email, phone number, and address to their information so I never heard that I was delinquent and behind in my payments from the Department of Education. I have filled out a complaint previously with a liaison of Congressman XXXX XXXX. The fraudulent company has switched their name once since I have been paying them and it is now called XXXX XXXX XXXX. It used to be called XXXX XXXX XXXX. I paid {$61.00} a month with them.
Consumer complaint received 2021-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have openly announced to your company that there is an error on my credit report. You have constantly ignored my request to remove the item. I refuse to let your inability to look into this matter cause me to stress and struggle to get financing. Today XXXX demand you do something about it. I have contacted my lawyer and I will seek litigation if I need to. 
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX  data breach/ identity theft all is being investigated by the FTC according to the FCRA 605B this information must be blocked immediately until the investigation is over. 
COPY OF FTC REPORT IS LOCATED INSIDE.
Consumer complaint received 2019-03-23
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (NC)

I am a North Carolina Resident and I believe I'm a victim of Mortgage fraud. In XXXX of XXXX, I applied for a Mortgage loan with NationStar Mortgage. I requested a Conventional loan, but was told by the loan officer that the Conventional loan would not benefit me, so he assigned me to an FHA loan. The process was very messy and took approximately 7months to close. 

I finally closed on XX/XX/XXXX. At closing, I made a down payment of {$100000.00} ( which was approximately 33 % of purchase price ). The purchase price was {$310000.00}. At closing, I had to pay {$3700.00} in upfront FHA fees and to date, I'm paying $ XXXX/month for MIP fees. I was told by Nationstar that I could not use the {$5000.00} earnest money payment I had made as part of the downpayment, so I brought an additional {$5000.00} to closing. I thought that if I put 20 % or more down on a purchase, I could avoid those FHA fees. 

Last year, I consulted with my Closing Attorney because all along, I felt like NationStar committed fraud against me. The Attorney told me that they handled my loan with unethical practices and that I could pursue a lawsuit against them, but it would be costly. I do not have the money, time or energy to pursue a court case against NationStar, so I'm filing this complaint in hopes of some type of restitution. 

Beginning on XX/XX/XXXX, NationStar is increasing my mortgage payment from {$1200.00} to {$1700.00}, which is an increase of {$470.00} per month. 
I am out of work on XXXX, battling XXXX XXXX and can not afford this increase, as I'm only receiving 65 % of my pay. I reached out to NationStar to resolve this issue, but to no avail was not able to resolve it. 

PLEASE HELP ME RESOLVE THIS ISSUE. 

THANK-YOU!!!
Consumer complaint received 2023-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I just recently reviewed my profile and Im very upset with the result that I have received. May I know how you contacted the creditor for me to know the reasonable procedure you take to determine my disputes are BELONG to me and VERIFIED AS CORRECT information? Did the Furnisher confirm that the information posted in my file is correct? I never received any notice from these companies that my dispute is truly mine or correct. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-02-05
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Conduent Incorporated (MI)

XX/XX/22 & XX/XX/22 {$18.00} x 2 i talked to XXXX XXXX on XX/XX/22 they told me to contact way to go card to resolve the issue of me being charged double for the transaction so i called the disput department they put me threw to level 2 disput department when they couldnt resolve the issue i waited on hold for n hour then some1 spoke with me briefly before sending me through to the correct department they stated n no sooner then the next person picking up the phone 48 minutes later i informed them off the issue n they hung up on me n it was a process to even get the correct number to call for them i had to look up get human for the go program n yet 1 of the charges are still pending after all this time
Consumer complaint received 2022-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-25
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. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-08
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. (KY)

These are the accounts that I am having issues withXXXXXXXX XXXX XXXX XXXX acc # XXXX 
XXXX XXXX acc # XXXX 
XXXX XXXX XXXX acc # XXXX 
XXXX XXXX XXXX acc # XXXX. 
XXXX XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX 
{$1500.00} acc # XXXX. 

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 states a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1681c. ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report more than 7 years 15U.S.C 1681s-2 ( A ) ( 1 ). A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2020-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I was victim of fraud and I have a Bankruptcy on my three credit reports ( XXXX, TransUnion, XXXX ) that I never authorized. The lawyer scammed me into filing a bankruptcy when I didn't need it. 
In addition, all the charge-offs accounts ( included in XXXX ) in my credit reports were in good standing before the bankruptcy including my actual mortgage that I'm still paying and it's reflecting as " Debt included in Bankruptcy '' which does not allow me to get approved for financing to get another property. 

Please I need to get this resolved ASAP, as this is causing me too much stress because I'm not able to get approved for any financing due to this Bankruptcy fraud.
Consumer complaint received 2021-05-21
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On multiple occasions I have reached out to Bank of America pre-paid account representatives who have unfortunately been less than helpful in assisting me to resolve the issues with the EDD debit card. On XX/XX/2021 I had a debit card purchase attempt and failed to reply to the text in a timely fashion. Since then, it has been a nightmare. I have no access to my online account and am being told that my card is closed. Bank of America reps tell me continuously to refer to my sponsor ( EDD ) who have attempted to no avail, both verbally and electronically to confirm with Bank of America there are no security issues, no request to close my account and so on. 

Quite naturally this has placed me in a compromising position as bill payments have been rejected and I am unable to receive the funds that were on the card as well as the new benefits payments. As recent as today, I spoke to XXXX at XXXX XXXX and was advised Sorry, we are working on it. Just be patient. A supervisor XXXX that I was transferred to states the card was closed on XX/XX/2021 by the fraud department the same date the transaction was attempted at XXXX XXXX. She confirmed that EDD played no role in this and no check has even been sent out for the credit balance that has now been essentially stolen, seeing as though I cant even access my online account nor the statement sent XX/XX/2021. 

I have been repeatedly lied to, and told there is a so called investigation ongoing. No-one, has been investigating this matter ( as there is nothing to investigate ) and at the end of today 's call as a show of understanding at XXXX, XXXX advised me that some customers have been waiting longer than a month for similar issues to be resolved. That is absolutely horrific and I need immediate resolve.
Consumer complaint received 2021-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BARCLAYS BANK DELAWARE (CA)

When I got the card, I was happy to use the card. After I used it outside the XXXX store my fees were up to 29 % and I decided to pay it in full, unfortunately I am not agreeing on having a late payment reporting in my credit history
Consumer complaint received 2024-11-27
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: PENTAGON FEDERAL CREDIT UNION (TX)

The PenFed company has NOT solved the issue and i request that the complaint remains open. Why did you close the unresolved complaint? Was this bot managed? The PenFed company still holding my deposit ; PenFed said, as mentioned in initial complaint to you, they sent a check, no check was ever received at my steady address on record. The company did in fact put a stop payment on the check but NOT until I notified them of not having received a check XXXX weeks after my money matured. Furthermore, the company is correct in having transferred the funds however to this date the funds, which is MY money in MY PenFed savings account, is still blocked by PenFed from allowing me to ACH all my money to my external account, except for {$5000.00} daily. I am entitled to take ALL the money that matured in CD, as of XXXX XXXX, {$52000.00} ; as the rules go, and as the PenFed agent told me after i agreed to transfer the funds to my PenFed savings in lieu of sending a new check. As of today XXXX of XXXX, XXXX weeks past the maturity date, i have no full control of the funds in the PenFed savings account. And they are disingenuous telling you that the customer got all his money, its in the PenFed Savings acct. That has the flavor of embezzling. In the meantime, PenFed had the audacity to charge my savings account a {$2.00} fee for Paper Statement. I did not agree to paper statement and also NOT receive a paper statement.
Consumer complaint received 2021-05-21
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AUTOMOTIVE CREDIT CORPORATION (CO)

XXXX and XX/XX/2020. They show me late once on my auto loan.i take my credit very seriously .I was never late.they had a billing error taking out my automatic drafts that month.i even sent them emails showing that I was in contact with them the day after the payment was not taken and was assured it would be ok.They never removed the one late payment from my 3 credit reports.I have since paid off this vehicle, but this is unfair and deceptive tactics.this is bad business and they need to fix their mistake. My ss # is XXXX dob XXXX
Consumer complaint received 2023-05-10
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (WI)

I have been a Chase XXXX Visa cardholder for 20 years. I have submitted multiple requests for XXXX gift cards containing my rewards points accrued and have not received them, even after requesting they be sent via overnight delivery. I have made multiple calls to the Chase customer service department over the past 2 months and none of the representatives or supervisors have been able to correct this issue. I am leaving for vacation to XXXX in 2 days and am unable to purchase water park tickets and reserve a cabana using my points. I would have to pay out of pocket if I still want to take my kids to the water park. I am profoundly disappointed that Chase is unwilling to correct this situation and have spent hours on the phone with them only to be transferred from person to person without resolution.
Consumer complaint received 2023-04-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc. (CA)

I informed the original merchant that they charged me for things that I did not request, did not authorize, and that I was injured and stolen from them. Instead, they very foolishly chose to send me to Amerisist. I wrote Amerisist a dispute letter IMMEDIATELY but they ignored it. They have violated FDCPA laws. The original " creditor '' is potentially liable under the Rosenthal Act for that.
Consumer complaint received 2021-05-21
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

My card was charged for {$90.00} cents for a unrecognized vendor. I disputed the charge. Capital One reversed it but day later after a " investigation '' ( did nothing ) put the charge back on my account. Stating that " I PURCHASED MERCHANDISE. '' This in spite of that day being two other fraud charges that were caught and reversed. 

Gasoline station in XXXX I made a valid charge for gas. The attendant or coworker must have swiped the card in other portable terminals because from that time ( 2 ) other charges were attempted. There are signs at the gas station warning of this. In the blink of an eye, without approval, the card was swiped on different readers. 

One for {$230.00} for a gasoline station was flagged by Capital One 's system and declined. 

The third, a vendor I have absolutely no knowledge of. Capital one said that there is nowhere else I can go within the company to dispute their " determination '' that I was already talking to the right department. This same experience on multiple calls to resolve. Only once did they commit to a callback by executive offices - resolution department or some made up name. Nobody ever called. I call asking for similar departments then they require a NAME to transfer a call. Nobody uses first and last names. Is impossible to resolve within the company. They have denied my right to dispute and refuse to give the process ( as required by law ) or address to file a written complaint. 

I closed my account. 

One was caught by
Consumer complaint received 2021-05-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

Mortgage company : Freedom Mortgage Loan No. : XXXX I was approved for a forbearance plan due to the Covid pandemic ( CARES ACT ) by my previous mortgage service provider, XXXX XXXX 
Start date of Forbearance : XX/XX/XXXX. 
End date of Forbearance : XX/XX/XXXX ( total duration - 12 months ) My mortgage account was transferred to a company called Freedom Mortgage, effective XX/XX/XXXX. 
On XX/XX/XXXX, I contacted Freedom Mortgage and informed them that I was ready to exit the forbearance plan and start making regular mortgage payments from XX/XX/XXXX. 
In a decision letter dated XX/XX/XXXX, Freedom Mortgage informed my in writing that I was eligible for a " Covid-19 Combination Partial Claim and Loan Modification '' option. I signed the letter and sent back to Freedom Mortgage for processing. 
As for today ( XX/XX/XXXX ), Freedom Mortgage has not processed the documents necessary to exit the forbearance plan. I have made numerous phone calls to Freedom Mortgage customer Service and each time I was told that the documents are in processing. 
I was informed in one of the phone calls that the target date for my regular first payment would be XX/XX/XXXX. I called Freedom Mortgage customer service again this morning enquiring about the processing of the documents and I have been give the same answer - documents in processing, no time line as to when they will be completed. I have been quite anxious dealing with Freedom Mortgage, as my personal experience is that there is very little coordination between different departments of the company. It puts in high risk as one department, oblivious of what is happening, may start a foreclosure action against me, while the customer service department is reassuring me that everything is fine and that I do not need to worry. 
I believe I face great risk due to the inaction by Freedom Mortgage in processing the forbearance exit documents.
Consumer complaint received 2021-05-21
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

As of today upon checking my credit profile I noticed that it had dropped nearly 300 points very recently. As it so happens Kohls has closed my card with 0 notice, thus wiping out 7 years of good standing credit history with them. They claim it was for inactivity, which, while true, does not account for the fact that I, like many others, have not been making a habit of public shopping due to the COVID pandemic. 

I called their helpline and was met with not only uncaring representatives but one downright rude supervisor who consistently cut me off and spoke over me many times. Refusing at all to assist me and and telling me only, " it's against policy to change this ''. I would understand such if I had a history of bad standing with them but that is not the case. 

I'm working on building a house currently and due to their actions they have dropped my score enough that they are putting my family and I 's new home in jeopardy. As of now, XX/XX/2021 I have left a detailed message with the rude supervisors chairman and awaiting a return call.
Consumer complaint received 2021-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FEDChex Recovery, LLC (PA)

Hello I was contacted by FCR SERVICES at the phone number of XXXX. They told me to contact that number or go to XXXX. I input my zip code last name phone number and email to locate my account as I was unsure of the debt. I have a feeling that this is a scam as I checked on XXXX XXXX and no debt was found.