davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (VA)

I have completed the 120 required payments under the public service loan forgiveness program. I also submitted the required form to FedLoan servicing to get the remaining balance forgiven XX/XX/2020. However, I am being told I have to wait *up to 6 months* for them and the dept of Ed to process my application for forgiveness. This is both unconsionable and in violation of the regulation 34 CFR 685.219 - Public Service Loan Forgiveness Program. That regulation specifically states " ( a ) General. The Public Service Loan Forgiveness Program is intended to encourage individuals to enter and continue in full-time public service employment by forgiving the remaining balance of their Direct loans after they satisfy the public service and loan payment requirements of this section. '' It never says *anywhere* in the regulation, nor the statute, that I also have to wait up to 6 months for processing. On the contrary, it states it will forgive my remaining balance " after [ I ] satisfy the ... requirements of the section '' and nowhere is there any additional requirement whatsoever about an extra 6 month wait after submitting the forgiveness form.

In accordance with 685.219 ( c ) ( 1 ) ( ii ) I must remain " employed full-time by a public service organization ... - '' until my loan is forgiven. Therefore, adding an additional requirement to wait up to 180, not stated anywhere in the reg is a signficant legal error. And it means I have to stay employed in my current job an additional 6 months in order to obtain the benefits I was promised when I signed up for the public service loan forgiveness program. Nowhere anywhere was I warned about this additional, ( legally impermissible ) super-regulatory requirement.

I am requesting that you force FedLoan servicing to process their part of my loan forgiveness application *immediately*, in accordance with the regulation.

I understand the dept of Ed also has to process the application for the loan to be forgiven, and that they do this after FedLoan servicing finishes processing it. I know that the same standard applies to the dept of Ed as is stated in the regulation section I provided, so dept of Ed also needs to process this immediately. However, I do not believe you have any jurisdiction over the dept of Ed so I have raised that issue with my Senator in hopes they will respond favorably to him.
Consumer complaint received 2021-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This Debt is not mine and this debt is old. They keep reporting this old debt on my credit report. This should be removed as this has already been disputed several times with this company. I am requesting a internal investigation and removal.
Consumer complaint received 2022-11-29
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: SYNCHRONY FINANCIAL (DE)

XX/XX/2022 XXXX, I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. 
Since they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U, S. Code 16816 In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( I ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 16811, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. 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 consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX Creditor : SYNCB/PAYPAL Inquiry Date : XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XXXX Creditor : XXXX XXXX Inquiry Date : XXXX I AM REQUESTING UNDER FRA 605B THAT THESE INQUIRES ARE IMMEDIATELY REMOVED FROM MY CREDIT REPORT FCRA $ 605B ( 15 U.S.C. $ 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I look forward to receiving an updated copy of my credit report reflecting the above correction.

Thank you in advance.

Sincerely,
Consumer complaint received 2023-04-08
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD (MI)

On XX/XX/XXXX, I received a letter from the Texas Attorney General 's Office stating that I was delinquent on a student loan ( serviced by the Texas Higher Education Coordinating Board " THECB '' ) and if not paid in full ( {$9800.00} ), the Attorney General would file a suit against me on the behalf of the State of Texas. The letter was dated XXXX XXXX XXXX. 

This was the first I knew of this loan being delinquent and had thought until that point that it was in deferment. 

I called the THECB on XX/XX/XXXX and left a voicemail and asked to be called back. I spoke with them on XX/XX/XXXX and they transferred me to the Texas Attorney General 's Office. Before transferring me, I asked what address they had on file because I hadn't received any sort of notification from them about the loan being delinquent. They gave me my current address but did admit that it was recently updated in their system at the beginning of XXXX which means if they did send any prior notifications, they went to the wrong address. I live in XXXX now and have not lived in XXXX  for many years. 

I spoke with XXXX in the Attorney General 's Office and I attempted to set up an affordable payment plan but I was informed I must pay it in full or they would file a law suit against me. I explained that I hadn't gotten any prior notifications and could not afford to pay the loan in full but could make smaller monthly payments until it is paid off. XXXX reiterated that that was not an option and followed up with an email giving me the following two options : " Option A : Pay {$9800.00} on or before XX/XX/ or Option B : Pay two installments of {$5100.00} each- 1st installment due on or before XX/XX/, and final installment due on or before XX/XX/. ( These two installments include the monthly minimum {$170.00} due on the XXXX of each month. ) '' I am unable to afford the options the Attorney General 's Office have given me but am more than willing to set up more affordable payments but am being told that is not an option. Additionally, I now live in XXXX and would be unable to appear in court if they file a suit in XXXX.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AR)

Please take a look at the attached letters and ID docs for verification that it is XXXX 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 2020-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (TX)

XX/XX/2020 Discover it Secure Credit Card, issuer of the Discover Card, at XXXX. XXXX XXXX, XXXX, DE XXXX. 
Discover it Secure Credit Card Dear Discover, I would like to ask you to reconsider my Discover it Secure Credit Card application. I recently applied and I was rather surprised to receive a denial regarding my secured credit card application because essentially and according to your website I was suppose to be guaranteed approval. According to your website, the Discover it Secure Credit Card requires you to place a refundable security deposit that serves as your credit line. 

In your letter, you listed that the reasons for the denial was because there were too many revolving credit lines. However, I have over 100 plus on time payments. My reasoning for choosing this card was due to the numerous positive reviews shared by my family and friends with respect to this card, and its great credit building tools for people with limited or bad credit. The reason for the acquisition of the Discover it Secure Credit Card is it will prove especially useful to me and help to improve my credit score and build credit over time, thus making certain types of transactions possible which would be advantageous for me. I sincerely believe that I deserve a chance with the Discover it Secure Credit Card so I can prove to you my reliability and loyalty to this institution. 



I thank you for your time and reconsideration and I hope to hear back from you soon. 

Best,
Consumer complaint received 2021-01-20
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: Stearns Ventures, LLC (TX)

A government entity assisted me on my home mortgage during the Covid-19 outbreak by making a check for {$2100.00} that was mailed by accident to a prior servicer called Stearns Lending / XXXX. XXXX XXXX XXXX from the XXXX County Community Services Department Office of Social Services where check # XXXX was issue from for amount on the complaint letter. Myself and XXXX have contacted loancare numerous times requesting that they find this check asap which they cashed on XX/XX/2020 after check was send by mistake on XX/XX/2020. They provided a ticket reference # XXXX. They've been telling both us and giving us the lies that they escalate and someone's is tracing this. Now I asked you or anyone reading this XXXX has send photocopies of bank check showing loancare cashing this but refuses to refund back the amount or sending this amount to correct servicer which is XXXX XXXX Mortgage so my account is updated. Instead there playing around and trying to keep money for themselves which is theft. I've even called executive office today XXXX and spoke Mrs. XXXX which administrative to XXXX XXXX and acted very unprofessional and seemed not to care about situation at-hand. I asked anyone reading this check the reviews for yourself. Why would you want to do business with someone that's keeping a check that belongs to someone else. I've explained to several supervisors of this company XXXX got this check was given to me during the covid-19 to assist me with another loan that's not them. These individuals can care less making promises that they broke their self they never return my calls or anything instead which is bunch of Lies like I said on reviews. A company like this should not have a license to operate.
Consumer complaint received 2022-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (IL)

Between XX/XX/2019 and XX/XX/2019 my checking account was embezzled of {$49000.00} this was in two months.Strongly believe there might be more fraudulent activity in my account.My XX/XX/2019 statement was swindle out of $ XXXX XX/XX/2019 I was taken for {$24000.00}
Consumer complaint received 2022-11-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: McCarthy, Burgess & Wolff, Inc. (OH)

In accordance with the Fair Credit Reporting act McCarthy, Burgess & Wolff, Internal reference number # XXXX, XXXX XXXX referred account # XXXX is attempting to violate my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello, Transunion has been reporting erroneous information on my credit report and I've tried several times to have this information corrected. I have a public record on my report that is not accurate and have disputed this account and asked for validation several times from Transunion. Transunion has stated this information was verified by the courts and XXXX XXXX. I initiated an investigation with XXXX  and XXXX XXXX ; both confirmed that this account was not mine or was not provided to Transunion. I presented this information to Transunion and they have responded with false information, stating the public record has been verified. This should be illegal and I'm considering filing a complaint with my state AG office and will consult an attorney. This is a serious violation of the FCRA. 

Below are the steps I've used to correct this information : XX/XX/2020 I contacted XXXX  to verify verification process related to XXXX  reporting, XXXX  responded on XX/XX/2020 stating they do not verify bankruptcies with third party agencies or Credit Bureaus. 

XX/XX/2020 I submitted a complaint to CFPB concerning incorrect information reporting on my XXXX account. 

XX/XX/2020 XXXX responded with a letter stating the public record was deleted from my file and was not accurate. 


My rights have been violated and my next course of action is litigation. I've provided attachments to show proof of my actions and investigation. Please remove this pubic record from my account ASAP.
Consumer complaint received 2024-11-15
Product: Credit reporting 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 am writing to formally request the immediate blocking and permanent deletion of the fraudulent accounts and inquiries listed below from my credit report. As a victim of a data breach, I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to protect my personal and financial information. 
Fraudulent Accounts 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
Consumer complaint received 2021-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (NY)

I am a new account holder with the American Express XXXX XXXX. I do not have a preset spending limit. When I applied for this card, I was immediately charged {$690.00} as the annual fee. I am not a frequent traveler so I probably will not reap much in benefits from this card. A couple of days ago, my card was declined during an in person transaction at a retail location, a rather embarrassing moment. I was never contacted by American Express to inform me that my card was on restriction due to a " high balance '' of over {$7500.00}. I have paid more than the minimum amount due in my monthly statement. With that being said, AE representatives informed me upon my call of inquiry to them that my card can not be used until a payment of over {$700.00} is paid. 

At no time did I ever receive a bill from AE for this high amount of over {$700.00}. In fact the billing has only been a minimum payment of approximately {$55.00}. I called today, XX/XX/21 and spoke to a supervisor. I could hardly hear him or understand him due to his accent. I repeatedly asked him multiple times to speak louder and slower so I could understand him. I am very upset that I have this account with such a high annual fee, but they restrict my spending. This was not disclosed to me when I applied for the account. I respectfully ask for your attention to this matter. My attempts to plea with AE officials have not been successful. In fact, they keep repeating themselves with the same answer to all of my concerns.
Consumer complaint received 2021-09-09
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: Bread Financial Holdings, Inc. (OH)

The first credit card was opened for XXXX XXXX XXXX XXXX  which was opened on XX/XX/XXXX. They are only reporting some of the payments I made on the account. When my account got closed ... they reported I made NO payments which is inaccurate. I then settled the debt of {$200.00} directly to the creditor on XX/XX/XXXX. BEFORE I paid or settled the debt I asked for a letter in writing to delete the account. The representative whom name is XXXX  extension XXXX stated to call back in 7 days for the letter of deletion to be sent out and for the credit bureaus to be updated. I never received that letter being over a YEAR later. The account is marked off as legally paid in full for less than the full balance. I reached out to the company XX/XX/XXXX to ask about the deletion letter since Ive reviewed my reports and it is hurting me financially and emotionally they stated they do not do pay to delete letters so now I feel I was lied too to just pay my debt and I am left with a negative remark on my credit. I disputed the charges via by mail, email, phone call... I am getting no resolution. 

The second credit card was by XXXX Comenity Bank which was opened on XX/XX/XXXX. I have sent in multiple disputes as well for this account via mail, email and by phone. They reported my account closed TWICE... .I have been trying to understand how a company can charge you twice for the same credit card? I repeatedly sent letters out JUST to get the XXXX inaccurate charge off. I hired a credit repair company out of desperate needs to improve my credit report. They did not do much justice for my situation. I then was back at square 1 figuring out what to do. I called XXXX personally to get these inaccurate charges off. I settled my debt on XX/XX/XXXX for the amount of {$170.00}. I pleaded to them my responsibility of debt since I have been a member of them by having perfect payment history and I have 3 lines of credit open that are in perfect status. 

All I have received by the companies via mail is letters stating what I owe ... which is a balance of {$0.00} for the company. No information further of them deleting the account or any investigation.
Consumer complaint received 2020-10-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Universal Recovery Corporation (CA)

Recieved an artificially stamped envelope in my mail. No date. Stated : 'PAID -pci ' Debt Collector Name : Universal Recovery Corporation Apparent Creditor : Deciding to keep name private, since U.R.C may keep track of their accounts based on false Creditor Names. ( " The Creditor '' has an incredibly sketchy website ). So does Universal Recovery Corporation. Even XXXX told me to LEAVE THE SITE!! I have screenshots. The creditor claims to be an XXXX XXXX XXXX. I've never used them. I've only been with mainstream auto insurance companies. 
The reviews on XXXX for Universal Recovery Corp, are horrific, and the responses from the company is horrendous and in no sense professional for a " debt collecting agency ''. XXXX XXXX, is the appointed Supervisor, who has poor customer service reviews as well, and in her letter, she stated .. '' as required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. " This whole notice says FRAUD!! The reviews say FRAUD!!
Consumer complaint received 2021-01-20
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. (MI)

I was looking over my report today and I noticed some inquiries that I am not aware of as you know reporting inaccurate information on my report is against the FCRA and I asked that it be removed immediately Im trying to do my best with taking care of my kids but its getting harder now because of this. 

Inquires : XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXX