davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MN)

My name is XXXX XXXX. My maiden name and name on my loan is XXXX XXXX. My account # is XXXX ( XXXX ) and XXXX XXXX XXXX ( AES ). I began my loan replayments in XXXX. I consolidated my student loans. I was with the lender XXXX XXXX XXXX XXXX XXXX. My monthly payment was set at {$140.00} and I was paying ahead. In I believe XXXX, my account was moved to servicing at XXXX. My monthly payments remained at {$140.00}. On XX/XX/XXXX, my loan was transferred again per a letter. This time to American Education Services ( AES - XXXX # XXXX ). I set up direct deposit, but had to cancel it shortly after I was notified that I had to make the remained of my loan payments in 3 installments with the first payment of {$2000.00} being due on XX/XX/XXXX and it had outstanding interest even though I was paid ahead from when it was at XXXX XXXX had never missed a payment with XXXX. My payoff amount is set at {$5600.00} as of XX/XX/XXXX. I called on XX/XX/XXXX and was told a review would be completed. I was never contacted about the review. On XX/XX/XXXX, I called again and was told my loan term was 15 years and there was nothing to do about the balloon payment. The agent did not look into anything or offer any options. She told me I had to pay. I contacted XXXX via their chat system after to ask about my loan after. The agent said they would send me details about my loan, did not know why my account was transferred, and suggested AES contact them to update their information. I called back and the agent looked up the review and said they determined the loan was a 15 year with a balloon. So no one was reaching out to XXXX further, because of their review. I asked for a copy of my Note. She said it would be sent to me. She offered to put my account in forbearance for 3 months with an option of another 12 months being something to look into after. I am trying to figure out the breakdown on my account. I never opted for an income based loan set up on my original loan and when I consolidated I never opted for that either. How did my fixed loan with a payment suddenly become a 15 year balloon? I feel there is some type of miscommunication or there was some type of fraud done. I feel blindsided and duped with a very convenient servicing transfer that made it so none of the companies are talking to each other.
Consumer complaint received 2022-06-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: U.S. BANCORP (MD)

In XX/XX/XXXX I approached the USBank Corp. with the intention of accessing my home equity and taking advantage of the special home equity loan rate promotion by USBank. I initially attempted to use the equity from a property in NC but the loan representation explained that rental property can not be used for home equity loans. We proceeded to establish the loan application using my primary residence in MD for the equity loan. We briefly discussed both properties and my mortgage history with them. The NC mortgage was 24 years along with no missed payments and the MD mortgage was 12 years along with no missed payments. I was fairly confident that I would get approved for the loan taking into account my most recent credit check and loan in XXXX. The loan process in XXXX was an auto loan and the approved rate was 2.9 % and the credit report/score at that time placed me in the top 5 %. With no derogatory actions in my credit report only unsecured debt, I was confident that USBank would approve my loan application. It was to my surprise that I was denied the equity loan and the loan agent forwarded the document that summarized the application rejection which had my credit score in the neighborhood of XXXX. I'm not sure what took place since XXXX but XXXX is low even for a new XXXX XXXX  just starting out.
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: LEXISNEXIS (NC)

I sent a letter to the courthouse asking do they report " Dismissed '' XXXXXXXX  XXXX bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; 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. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the 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 2021-11-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (DE)

THE COMPANY, PORTFOLIO RECOVERY ASSOC, PURCHASED AN ALLEGED DEBT FROM ANOTHER COMPANY WHERAS I HAD NO INVOLVEMENT IN THAT TRANSACTION. PURSUANT 15 USC 3002 I AM A NATURAL PERSON MEANING MY ALL CAPS NAME IS NOT ME BUT ACTUALLY MY PROPERTY. MY NAME IS XXXX XXXX XXXX. I HAVE NEVER SIGNED A CONTRACT OR PROMISSORY NOTE WITH PORTFOLIO RECOVERY ASSOC. I KNOW THEM TO BE A DEBT COLLECTOR MEANING THEY MUST ABIDE BY THE FDCPA. I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, that pertains to account XXXX, XXXX, & XXXX on the PRIVATE AND PUBLIC SIDE. Failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy. I demand this account be removed from a collection status and reported as paid in full or pay {$350000.00} for every minute this account has been illegal reported on my consumer reports.
Consumer complaint received 2022-06-23
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (TX)

First, Ive had my Shell XXXX XXXX since XXXX with a excellent pay history and a loyal customer. Shell added a {$50.00} increase on the card in XXXX but did not provide a credit limit increase in XXXX. I was in the hospital from XX/XX/XXXX - XX/XX/XXXX so I had someone paying my bills for me. However, they used my funds for their obligation then tried to pay my obligation later. Although Ive never missed a payment with Shell, my hope was they provide options once talking to them. 
I had XXXX with additional XXXX medical issue and even then they did not want to provide options. 
This is the 4th time requesting a credit limit increase that was denied. However, my concerns are the last 2 reasons for denial : XX/XX/XXXX - payment history to them or their affiliates XX/XX/XXXX - same reason as above Due to XXXX  related medical issues, it was explained to Shell ( Citi Bank ) reasons for the 2 months for late payments. I was assured the account is in good shape. Therefore, the late fee was waived as a courtesy with difficulty. 
On XX/XX/XXXX, I called the credit review department to discuss payment history reason for denial. The representative told me what caused the issue and proceeded to transfer me to customer service. Customer Service can not make credit limit increase decisions.
Consumer complaint received 2022-10-12
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. (CA)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 XXXXG XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 XXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-11-21
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: EQUIFAX, INC. (FL)

In XXXX of 2017 I called what I thought was XXXX XXXX, ( it turned out to be a company reselling XXXX XXXX  ) I spoke with them for over an hour and they assured me that if I purchased XXXX XXXX that I would get every XXXX XXXX XXXX game at my house in Florida. XXXX  was installed XXXX XXXX week of 2017 when I attempted to find the XXXX  game it was not there. I called XXXX support ant the only way to watch it was on XXXX XXXX. So I spent the next 2 months trying to cancel the service and finally stopped payment with my credit card. I took to social media and it took 2 more months to get them to stop trying to collect money every month but they did. Now this company that is still trying to collect the {$340.00} dollars uses a different collection agency every year and this has been on my credit report every year since and I have to go through this process to clear it up. There has to be some law against using a different collection agency every year and having this reappear on my credit report. Does this ever end?
Consumer complaint received 2022-06-23
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (IL)

I have a Wells Fargo account that among other services, promises free notary service. I recently sold a property and had documents that needed to be notarized. One Wells Fargo branch told me over the phone they could not do it. Another made an appointment for me but when I arrived, told me they would not notarize a real estate document. Nowhere on their website or anywhere does do they specify inclusions from the promise of free notary service. Since the transaction was to close within 24 hours and it was late in the afternoon, I had to go to a XXXX store and pay {$190.00} to get my documents notarized. I felt this was outrageous conduct by Wells Fargo, particularly at a time I was depositing {$600000.00} into my account. I want the notary fee refunded by Wells Fargo. Thank you.
Consumer complaint received 2022-06-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: ALLY FINANCIAL INC. (IA)

I began banking and investing with Ally Bank in XXXX. Since then there have been no issues. On XX/XX/XXXX they randomly without warning closed my account. In doing so they froze all my stocks and I was unable to do anything with them or access my money. Then when I was forced to sell at the open on XX/XX/XXXX i incurred a huge loss. Now im waiting who knows how long to get my money still at which point I will have to get a new bank and trading platform and reinvest at a higher cost. Ally was more than happy to take my money and charge me margin interest for years. Then all of a sudden they take these drastic steps that they refuse to explain why or have any justification for that caused my family great financial hardship. A simple warning or asking me to close my account or even addressing whatever mistake ( misconception ) they made could have stopped this problem from occurring. But big old ally bank will go on just fine while i sit and type this with no access to any of my money for the continued future.
Consumer complaint received 2022-06-29
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. (RI)

In accordance with the Fair Credit Reporting 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. Also states a consumer reporting agency can not furnish an account without written instructions or consent.
Consumer complaint received 2022-06-29
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. (RI)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account XXXX 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. Also states a consumer reporting agency can not furnish an account without written instructions or consent.
Consumer complaint received 2022-06-29
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. (NC)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX Acct # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 by more than seven years. 

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 2022-04-08
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (CA)

Chase XXXX stated at the beginning of the 2022 year they would be using the 24 hour grace period for insufficient funds fees in an effort to reduce these fees. On multiple occasions, most recently on XX/XX/2022 I was once again charged a {$34.00} fee for a transaction done earlier in the day. And Chase did not post my payroll check til XX/XX/2022 at XXXX which in Chase parameters is exceptable for the {$34.00} insufficient fund charge. It seems that Chase is using creative accounting to get around charging the consumer these fees. Yes Chase says they are eliminating excessive bank fees when in actuality they are not. Instead they are posting deposits well after the end of the day so they can charge these fees to consumers. As a consumer I feel these big banks are misleading their customers and still charging unnecessary banking fees despite of what is being said.
Consumer complaint received 2022-06-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (HI)

In late XX/XX/XXXX we received a letter from Freedom Mortgage stating that our XXXX XXXX XXXX XXXX  owners ( XXXX ) insurance expired '' ( see attached ). Thus far, our Homeowners Association 's ( HOA 's ) master hazard policy 's hurricane coverage has always been sufficient for Freedom Mortgage. I tried uploading proof of both the HOA 's master hazard coverage and my homeowner 's coverage, both of which are not expired, but the link provided in the letter was broken ( see attached ). The next morning, I mailed a copy of these documents to the address provided in the letter and called Freedom Mortgage to ask about the letter. They stated that Freedom Mortgage now requires condo owners to have wind coverage in their unit owners ' insurance in addition to the master hazard coverage. In the conversation, the agent also made a comment about how the policy had actually been in effect since the previous XXXX, and they should really be charging us for the past XXXX months. The agent also provided an email address to submit the proof of insurance when I pointed out that the link in their letter was broken. After talking to Freedom Mortgage, I called our insurance agent to purchase the coverage Freedom Mortgage said was required. This coverage was immediately put into place ( see attached ), and proof of insurance was sent to Freedom Mortgage, both by myself and my insurance agent. In XXXX, we received a letter from Freedom Mortgage stating that we still needed to provide proof of wind insurance from XX/XX/XXXX through purchasing our new wind policy in XX/XX/XXXX ( see attached ), or we'd be required to pay for the insurance they purchased on our behalf without our knowledge ( and at a cost that's over XXXX times higher than what we purchased ourselves as soon as we received notice of the requirement ). I contacted our insurance agent, who told me it's not possible to purchase retroactive insurance. My husband has contacted Freedom Mortgage regarding the retroactive insurance charges, and we have yet to receive clear information from Freedom Mortgage. We purchased wind insurance as soon as we were told it was required and our condo suffered no wind damage in the intervening XXXX months when this insurance was supposedly required without our knowledge. We should not have to pay nearly {$2000.00} for a product that we were not aware we were required to purchase, we did not use, and, given that it covers the past, we can never use.
Consumer complaint received 2022-06-29
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: EQUIFAX, INC. (CA)

In accordance with the FCRA the account ( s ) below have violated my rights XXXX XXXX - Account XXXX XXXX XXXX  - Account XXXXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX 15 USC 1681 section602 A, states I have a right to privacy 15 USC 1681 section604 A, section 2 states a consumer reporting agency can not furnish an account without my written instruction 15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following item ( s ) information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years 15 USC 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any reporting agency if the person knows of has reasonable cause to believe the information is inaccurate 15 USC 1681 ( i ) section ( 2-a ), A procedure in case of disputed accuracy - ( 5 ) ( a ) ) treatment of inaccurate or unverifiable information ; if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate OR incomplete OR can not be verified the reporting agency shall ( i ) promptly delete that item of information from the file of the consumer OR modify that item of information, as appropriate, based on results of the reinvestigation and ( ii ) notify the furnisher of that information has been modified or deleted from the file of the consumer.

15 USC 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) ( e ) after receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( 1 ) conduct an investigation with respect to the disputed information, ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of period under section 1681 ( a ) ( 1 ) of this title within a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section and ; ( iv ) if the investigation finds that the information was reported inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.
Consumer complaint received 2022-04-08
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. (MS)

Inaccurate and incomplete information is being being reported across XXXX, XXXX, and EQUIFAX. Collection accounts showing recent past due status and recent late pay status to keep scores low. Closed charge off accounts with recent past due status and recent late pay status to keep scores low. This has been done for over 2 years. Re-aging of derogatory accounts to make them look more recent to lower scores. All violations of the FCRA. All 3 bureaus are reporting inaccurate information. The bureaus did not share the XXXX when accounts were deleted from a dispute. Inaccurate reporting is not adhering to Metro 2 guidelines/standards of deleting inaccurate accounts/information. Updating and correcting disputed information instead of deleting the account as requested.
Consumer complaint received 2020-11-18
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: AES/PHEAA (MI)

XX/XX/2020 XXXX was added to my payment balance. 
XXXX this amount was said to be refunded. 

My total amount due has gone up and not assessments have been made. 

I have not added any private student loans in many years this account was consolidated private student loans. 

I have called the leader to try and get it taken care of they are not working with me. They have not adjusted the amount or tried to assist. 

Someone is scamming me.