davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (CA)

I want to start off saying I've been sent here from the XXXX stating they could not help with my situation. Though I've been trying to get on an income driven repayment plan for over 5 years now. Maybe longer. Though I've contacted fedloans at the beginning and they stated multiple times I'm missing something even though I've double checked everything and I still get declined. After a certain point the only thing I could have done at that point was keep halting my payment. 2 years ago I noticed they had the option to finally sign for it online with the IRS. I did and I got declined for it for not idea as to why. When I contacted them they themselves couldn't understand why I was declined either. I never got an actual answer to the problem. Last year I signed up again and I actually got approved for it and I was so happy I could finally get this fixed in someway. Whoever I talked to at the time stated I needed to make an actually first payment of XXXX $ to have it converted to the plan. I did so on a date I clarified if that would be ok to the person I was talking to. They stated yes and I was happy to hear that. I did call a couple times to clarify if my account is switching to the new plan since I kept seeing a late charge still on my account. Everyone I talked to stated yes it will changed. I was relieved to hear that. So after a certain point I saw the charge go away and excited to see the new payment. After the month I saw the payment revert back to the old payment. I was confused and really annoyed, angry, and disappointed that fedloans hasnt done anything. I called and they stated that I needed to make a {$5.00} payment to get the payment to revert ( which I knew about, but no one stated anything about this payment ) I told then I made a payment already for XXXX which should have been for the revert. They stated if I wanted to use that payment to use it for the revert fee. I befuddle on that question after telling them that exact answer. I stated yes and they stated they will put something down to get that fix. Cut to a month or so later I get an email throw my fedloan account on their site and they stared that it was decline. Why you may ask. Because I did not process an actually payment for this charge. At this point I dont know what to actually do at this point and I have yet to call them. I also wanted to state I have emailed them throw XXXX since they have an actually email option for contact on their site, but to this moment I have never gotten a response back. I have told them about it when I call, and they only say that's weird that no has responded like that is suppose to fix the problem, but that is basically what's going on and I dont know what to do. They marked me as a delinquent on my account, but I legitimately have no idea what to do at this point except keep halting my payments I'm trapped at this point.
Consumer complaint received 2020-03-09
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: DISCOVER BANK (KY)

Company has never furnished me any findings of their so called investigations that have been going on supposedly since XXXX, XXXX ; all received has been " closed. Valid '' Nothing is valid about my credit card statements, and can not possibly be valid : There were 28 plus unauthorized charges on my account ; these unauthorized charges went on for 1 1/2 years, XXXX, XXXX through XX/XX/XXXX. 
The guilty party, being a Law Firm in XXXX XXXX, Fla. got away with the 28 plus unauthorized charges that amounted to over {$47000.00} plus because it was a Merchant of the Company, and because it was a Law Firm. Therefore, my Bookkeeper, who checked the credit card statements, believing they were legitimate charges, did not file a dispute, nor check with me. I never handled my charge card statements. They were all paid by automatic payment, and my bookkeeper checked and posted the statements : She posted these unauthorized charges as " Legal Exp. '' When I found these unauthorized charges I filed immediately a dispute with the proper office as instructed. I never received an acknowledgment or report of any kind in 30 days ; nor did I receive any kind of report of findings after the 60 days. Nor have I received any findings as of this date. But, I know why now : There was never an investigation done ; only a judgment of my dispute : This was admitted to by One who was supposed to be investigating the matter : I was told that Discover does not investigate their own records, nor will they investigate what I send in. They may close the case without viewing my evidence, even if I refer to it in a letter.

And unless you send in " new evidence '' they may not open a closed dispute.

I have requested the Company to investigate their records to see who the Company paid my money to. 
We have the name of who made the unauthorized charges ; but I requested they verify to make sure someone had not stolen their identity. 
I also requested some missing Credit Card Statements. They refused but after probably about 10 to 12 requests they sent some statements, but not the requested statements. I asked if they did not have the statements, either to reprint them or just send me a list of all the unauthorized charges by the Law Firm. So far, since XX/XX/XXXX, have not received. I believe there are more unauthorized charges than the 28, which is why I state 28 plus. 
I never retained the guilty party, and had no dealings with the Law Firm except I loaned ( paid directly to the Law Firm with my Credit Card, ) the Retainer Fee to others. That is how the guilty Law Firm got my credit card information.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (CA)

LexisNexis Clue Report is inaccurate. They placed two accidents on a Clue Report that are not my accidents. The person involved is XXXX XXXX, lives in XXXX XXXX CA, drives a XXXX per their report. My California driver 's license is " XXXX XXXX '', i have never driven a XXXX, have never been in the accidents stated on the Clue Report and my home and mailing address for the past 23 years has been in XXXX California. They refuse to take these fraudulent reported accidents on my LexisNexis XXXX Report off. Because of this, I am being surcharged and losing out on almost {$400.00} per month that I can be saving. I need immediate action against them. I've never signed up for LexisNexis, do not know who they are and how they can do something like this that adversely effects my driving Consumer Report with fraudulent claims. My California Department of Motor Vehicles driving record does not have these two accidents on my driving record or history because they are not mine. The insurance companies refuse to use my CA DMV report which is accurate and use the LexisNexis Clue Report which is inaccurate and false.
Consumer complaint received 2020-03-08
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. (FL)

I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA ; s. On XX/XX/2019, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law. 
there were fraudulent accounts open in my name I did not give them permission to use my info I am victim of identity theft
Consumer complaint received 2023-03-02
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. (CA)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Equifax for multiple violations of the Fair Credit Reporting Act ( FCRA ) and its implementing regulation, Regulation V. 

Despite my repeated requests, Equifax has failed to provide me with complete and accurate information regarding the reinvestigation of my dispute ( XXXX review attachments for account information ), which has caused significant harm. I have experienced a negative impact on my credit score, difficulty obtaining credit, emotional distress, and frustration. 

Moreover, Equifax has violated FCRA Section 611 ( a ) ( 1 ) ( A ) and Regulation V Section 1022.42 ( a ) ( 1 ) ( iii ) by failing to provide me with a list of all documents and information reviewed during the reinvestigation process, as well as contact information for the data furnisher ( s ) or public records vendor that Equifax contacted during the reinvestigation process, and any additional information Equifax may have regarding my dispute. Equifax has also failed to provide me with evidence of its processes and method of verification, in violation of FCRA Section 611 ( a ) ( 1 ) ( B ) and Regulation V Section 1022.42 ( a ) ( 2 ). 

Furthermore, despite my timely submission of requested documentation, Equifax failed to provide me with the requested information. I have attached a copy of the relevant correspondence and supporting documentation for your review. 

In light of the above, I respectfully request that the CFPB investigate Equifax 's actions and impose appropriate penalties as necessary. Specifically, I request that Equifax provide me with a detailed explanation of the results of the reinvestigation process, including a list of all documents and information reviewed during the process, contact information for the data furnisher ( s ) or public records vendor that Equifax contacted during the reinvestigation process, and any additional information Equifax may have regarding my dispute. Additionally, I request that Equifax immediately remove the inaccurate information from my credit report, and reimburse me for any costs incurred as a result of the inaccuracies. 

In addition, I have also submitted a notarized letter to Equifax, under the penalty of perjury, informing them that all addresses listed on my consumer report that is not attached to this complaint are inaccurate and I have never lived in those locations. I believe that this is a violation of the FCRA and its implementing regulation, Regulation V. I respectfully request that Equifax investigate this matter and remove all inaccurate addresses from my consumer report. 

Thank you for your attention to this matter. I appreciate your prompt response. 

Sincerely,
Consumer complaint received 2020-01-24
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: JPMORGAN CHASE & CO. (FL)

My complaint is regarding a merchant dispute in the amount {$510.00} with Chase Bank. The merchant " XXXX XXXX '' per her contract agreed to and engagement shoot and wedding photos for a total of {$1700.00}. In early XXXX, I gave her the deposit in the amount of {$510.00}. Per her contract we agreed on the location for the wedding photos and via email we agreed on the location of the engagement shoot at XXXX XXXX  on XX/XX/19. Three days before we were set to shoot the engagement pictures, the merchant advised me that she could no longer shoot at the location I requested. I was not satisfied with her response because this is a once in a lifetime opportunity for me and I wanted my pictures at a certain location. After going back and forth with the merchant, she was not willing to accommodate me, I asked for a refund to which she refused. I contacted Chase bank to open a merchant dispute, when the dispute was filed the person filed the dispute as services not received. When I received the response from Chase, in their investigation they stated that I did receive service, when I did not. After providing the documents and attempting to escalate via Chase Bank I have been unsuccessful.
Consumer complaint received 2020-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (ID)

I was having difficulty in making the additional payment of taxes and insurance included in my mortgage payment. I called my loan servicer multiple times and indicated my troubles and that I could make the principal and interest portion of my payment in which I did, however the servicer did not apply the payments accordingly which resulted in late payments and resulted in these late payments being reported to the 3 credit bureaus. I was also in the middle of selling my home which I had indicated numerous times as well. I ended up selling my home and paying off the loan in full. My most recent call to the servicer was to request documentation to file a dispute with the 3 credit bureaus and to see if there were any remaining funds that are to be refunded to me. The representative indicated that there is XXXX remaining in my escrow account, he indicated they have to hold the funds for 90 days as that is their policy. I asked the representative to send me their policy in writing, however he said that they don't have it in writing and indicated that the county in which my home that I sold was located is their policy as well ... .which is not true. I want to file a complaint against Specialized Loan Servicing, LLC as to the  way they handled my account and would like to know if legally they can hold my funds after a loan has been paid in full.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

I have contacted LexisNexis several times concerning the situation. Bankruptcy does not report to the credit bureaus. Then they tell me to contact XXXX myself. I did contact them, and XXXX said LexisNexis has to remove the information. It is still showing on the consumer website and reports. Even sent mail to XXXX, and LexisNexis personal. Then when I call today to talk to someone form LexisNexis XXXX XXXX XXXX XXXX, they hung up on me it was a lady that work for them. They dont try to fix the problem at all. Even XXXX and XXXX says the same thing it is LexisNexis not doing anything. Experian person says no response from them.
Consumer complaint received 2023-03-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (IL)

I issued a check in XX/XX/XXXX costing XXXX to pay for my monthly rent ( in XXXX, IL ) and it was deducted to my checking account. In XXXXXXXX XXXX XXXXXXXX, I noticed that {XXXX was deducted to my checking account again and I take a look into the details of the deduction and found out that the same check ( check XXXX ) that I issued 3 years ago was used. I called the customer service/fraud dept and XXXX them why would they authorize a 3-year-old check to be deducted to my account and the fact that it has been deducted before ( in XXXX ) ; The agent over the phone can't give me an answer and said that it should not have happened cause checks are normally valid for 90 days only but I was told that they're gon na process to return my {XXXX} in my account within 2 business days. I waited for more than a week but it was not returned to my account so I called them again and again with weeks of interval and they will always say the same thing to wait within 2 business days, but still they didn't credit my money back to me. so, I went to one of the XXXXXXXX XXXX branch ( XXXX, IL where I currently live ) to talk to a banker but they said they can't do anything about it 'cause they don't process this kind of request and that I have to call their customer service so I called them again and was told the same thing and months have passed and I still haven't received my hard earned {XXXX}. and at this point, I'm just getting exhausted and hopeless in reaching out to them. I know it's not much to some people but it is to me and I needed it.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (NC)

There are several charge offs reporting and that's illegal to do because charge offs are considered cancelled debt abnd according to the IRS cancelled debt is considered income, and income can not be reporting in a consumer report. The document attached is evidence from IRS websiteindicating about cancelled debt and how its income and the XXXX consumer reporting agencies reporting the the charg offs stating the law USC 1681. i have never authorized the bureaus to report this and this is DEFAMATION. I can litigate the bureaus for they are reporting information that's not supposed to which will damage me financially and enotionally.
Consumer complaint received 2023-03-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

I have an {$85000.00} private student loan from Navient, but at the of the application in XXXX, it was called Sallie Mae. The loan had started out at around {$40000.00} and has grown so much. I have not received any communication about my loan being canceled from Navient 's big lawsuit in XXXX. My main issue is that I have a co-signer and need to remove them but Navient makes it very difficult. From XXXX, I made 12 on-time payments of about {$1000.00}. This was one of the requirements to remove my co-signer from my loan.
Consumer complaint received 2023-01-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Credit Management, Inc (LA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001 Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-03-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX To Whom It May Concern, I am writing to dispute several items on my credit report that appear to be in violation of various laws and regulations. The following accounts and inquiries are of concern : 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 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 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 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 I would like to request that these items be investigated and corrected as necessary to bring my credit report into compliance with all applicable laws and regulations. I look forward to hearing from you regarding the status of this dispute. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-05-23
Product: Credit card — 
Issue: Other fee — 
Company: TD BANK US HOLDING COMPANY (CT)

I opened a line of credit with XXXX XXXX XXXX with TD Bank. I have since made two payments to them. My bank is rejecting the payments because they are not recognizing the creditor as a legitimate creditor. I have since called my bank and asked them to allow payment for this line of credit. TD Bank, who holds the line of credit, has since charged me fees and filed against my credit. I have made multiple calls to them and made every effort to pay them. They have told me they were going to have a supervisor contact me multiple times and I have never received a call back. They have agreed to remedy the credit issue to ensure that this has no negative impact on my credit and now I can not even get them to give me an update. It is a never ending list of them asking for more information and then never getting anything done. I have spent hours on the phone and been treated terribly by them. I am seriously concerned that TD Bank has no interest in helping me and I feel like they are ignoring the issues to attach additional fees to our account. Please help us as it appears TD Bank has no interest in helping. What options do we have?
Consumer complaint received 2020-10-10
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. (IN)

On XX/XX/XXXX I noticed I had multiple collections on my credit report for the same student loans. After looking closer I realized that some of them even had the same amounts and account numbers but were added over and over again as if they were separate collections. This was making it seem as if I had multiple accounts go into collections when that wasn't the case. I filed a dispute online in an effort to get the matter resolved on XX/XX/XXXX. I received results on XX/XX/XXXX stating that all information was being reported accurately and this is simply not true. This is KILLING my score and is inaccurate! I also have late payments listed under my student loans ( even the currently open one ) which is inaccurate because all of my student loans have been in forbearance since XXXX until present. Some were just transferred, but we're NEVER late.