davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

I am under the Income Based Repayment program and being serviced by XXXX XXXX. In XXXX, they began reporting interest to the Credit Bureaus even though the interest has not capitalized on my account, because I am in the IBR program. They informed me that on their end, the interest is not showing that it was added to my balance because of the IBR but they are aware that they are reporting it to the Credit Bureaus. Reporting to the Credit Bureaus like this is destroying the consumer 's credit. Being under the IBR is supped to help the consumer financially, not to destroy the consumer 's credit.

It seems as though the servicing companies found a loop whole in the Fair Credit Reporting Act, to bury those who are under any type of payment or forgiveness program. Because of the way they are reporting to the Bureaus, the amount of my student loan is increasing over {$500.00} every month on  my credit report. 

They need to be stopped before they begin to destroy every student 's credit and financial status that is in any type of repayment or forgiveness program. By them reporting the interest to the credit bureaus, forces the credit bureaus to lower the consumer 's credit score each month because of the increase that they are seeing.

Because of this lowering the consumer 's credit score, it disables the former student from obtaining a good paying job, since employers are now running credit checks for certain positions. If the government allows them to continue to do this, it will put the country in a crisis. Less home purchasing, more jobless claims, more unpaid debt and student loans will become a bubble like the housing market in 2008.
Consumer complaint received 2024-11-08
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. (FL)

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICE I HAD FRAUDULENTE ACCOUNT ON MY REPORT. PLEASE REMOVE THESE ACCOUNT FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.
Consumer complaint received 2020-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Resolve Partners, LLC (OH)

On XX/XX/2020 I submitted an application for a rental property company denied me per email I requested my report that has not been provided to me.I have contacted the individuals XXXX XXXX XXXX ) that hired third party ( RESOLVE ) to conduct background and credit check. I feel that are discriminatory due to the fact that they are telling me to contact someone that they hired to conduct a check on myself. I have contacted Resolve on several occasions in which I have left a message sent emails and spoke w/a representative yet I have not received the denial based on my report. Perhaps criminal activity is going on with this company with my information.
Consumer complaint received 2020-01-22
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. (NE)

Equifax ; XXXX and XXXX are reporting incorrectly a charge-off of {$13000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and any remaining balance that was due I paid in full. There is no outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off is seriously harming my credit score and this line item needs to be either removed and/or updated to reflect accurate information on my credit report. I have contacted the ( 3 ) bureaus to remove and/or update these items however, I have not been successful.
Consumer complaint received 2020-06-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (NH)

Back in XXXX I co signed for a loan, and she did not pay so they came after me, they called my family members, called my employment, harassed my family members to no end, I was able to get into an agreement which I paid faithfully for 15 months, when that came to an end which when this all started in XXXX of XXXX or XXXX they informed me when I pay the payment for 1 year never late I could get released off the loan, which when I called they informed this was not correct, so again i paid a higher amount for 15 months and when that payment plan stopped, I called cause they raised the amount another XXXX  a  month, which I called and told them I couldn't do I am a single mom taking care of the house on my own, they didn't care again I told them you told me if I paid I could get released, nope can't do that. They never once bothered her or her family members so when this whole virus thing started I called for a forebance and was told NO only a month, but finance charges would continue, called back 3 weeks later and they finally allowed 3 months, but the finance charge of XXXX would continue. I refinanced my home to get out from under this bank, they are so rude, do not work with you at all I was hoping since I paid for almost 2.5 years being a cosigner they would take a reduced payment due to paying alot of finance charges, and they telling me I could get off the loan after paying 1 year, nope had to pay this in full they wouldn't knock off anything, when this all started with little over XXXX after all these months 2.5 years I owed over XXXX when i just paid this off. That is crazy.. This is so unfair to a cosigner they don't bother the signer, and are so rude. It ruined my credit and I should have just let them write if off but as a cosigner I did the right thing, there is just so much that Sallie Mae has done it is crazy they are allowed to beat people down that are standing up and doing the right thing ....
Consumer complaint received 2018-06-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: GreenSky, LLC (WY)

On XX/XX/2017, XXXX XXXX XXXX  offered financing through Green Sky. I filled out the credit application on their tablet. In less than 22 hours, " XXXX '' was connected to my gmail account IP XXXX and a new device was signed on from XXXX  XXXX, XXXX IP XXXX. Then two remote account were added to my XXXX XXXX checking account " XXXX '' connected to a XXXX XXXX XXXX account   and " XXXX '' connected to a XXXX XXXX XXXX  account, that were not mine. From XX/XX/XXXX-XX/XX/XXXX there were 33 unauthorized transactions from my savings, checking, and two attached accounts that belonged to my father and daughter. Thousands of dollars were stolen out of my account and moved into the XXXX  XXXX XXXX and XXXX XXXX XXXX accounts. They logged into the Green Sky account, which is where I believe this hacker got in. ( There may be a connection to XXXX  breach was mid XX/XX/XXXX - XX/XX/2017. ) There were also searches using my XXXX, XXXX and XXXX XXXX. The hacker watched videos that appear to be in XXXX, for example about Admiral XXXX XXXX and Prince XXXX, Commander XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX and Emperor XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-12-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CO)

I was surprised to find out that chase had Close my checking account without warning. I was traveling over XXXX holiday 2020. I received a notice on my Chase mobile app that fraudulent activity had been suspected and for me to contact them. I did contact them and the account was made available once more. Then, two days later I received the same notice. I called customer service immediately and she said that my bank was closed. That Chase was not obligated to tell me why it was closed. They would hold my funds for approximately nine days and then send a paper check of any remaining monies to my home address. Upon returning home to XXXX- I went into my branch and spoke to the assistant manager named XXXX . I told him what had happened and also explained that I had purchased using a app. XXXX. I was just simply curious about it, so I downloaded {$2000.00} into a bitcoin account and was notified by XXXX that that particular app did not work in my region. So I put the money back into my Chase account. Thats approximately when my account was frozen the first time. I didnt put two and two together. 
I then downloaded a different bitcoin app, one recommended by a friend and put my money into it. I simply did it to see what it was all about. Within two days I realize this wasnt for me, and returned my money into my checking account. Those are all legal things to do. 
I dont know if it had anything to do with chases decision to close my account But either way I would like for you to investigate. Now I have my retirement and my XXXX check going into an account That is closed. Both of those institutions will move my Payments until XXXX. This means I have nothing to live on for the month of XXXX. Please help My account with chase is Routing number is XXXX My account number is XXXX My name. XXXX XXXX my phone number is XXXX My address is XXXX XXXX XXXX XXXX. 
XXXX co XXXX
Consumer complaint received 2020-01-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FMS Inc. (FL)

As a result of a CFPB complaint filed on XX/XX/2019, regarding incorrect information being reported on my credit report, FMS Inc. advised that they were in possession of eight outstanding accounts with an original creditor ( XXXX XXXX ). It should be noted that this alleged debt started showing up on all three of my credit reports without any prior notification from FMS Inc. showing sufficient verification/evidence ( specific doctor appointments, ER visits, XXXX reports, etc. ) of the alleged debt. I have reached out to FMS Inc. on numerous occasions and they have failed to respond.
Consumer complaint received 2020-12-02
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. (AZ)

I have been rebuilding credit and Working in my credit for the past 3 years trying to clean it up to get a mortgage. Ive tried to work with creditors and tried to work with reporting agencies to the point I just cry and want to physically XXXX. All they can tell me is these old accounts that have been on my account their are no new negative marks and my score continues to yo-yo Ive paid off collections, started new accounts paid them off charged and paid. Ive tried disputing, nothing helps. I recently logged in to my equifax to see a 92 point drop in my score. No explanation, I called spoke with reps and no explanation besides the old accounts that have been charged off accounts that were opened in XXXX and XXXX. I truly understand why people commit XXXX over their finances. Ive asked what can I do and the response is keep paying wait 7 years. Ive waited 10 for a bankruptcy to come off Ive been continuously working n my credit but theirs no relief and all I want is a mortgage so I can stop paying the sky rocketing rents where I live but Im just a number to everyone Ive spoken too. When did we forget their is a person behind the number. My life has had struggles and my credit reflects so but their is no relief NOTHING.
Consumer complaint received 2021-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (MI)

The company said I had 2 late payments in which I never had any late payments. Barclay specifically gives you late fees when you have late payments. I asked the credit card company for them to prove and provide the late fees so they could see I never was late and both the credit bureau did not ask or Barclay did not provide but they continue to keep these two late payments on my closed account which is damaging my credit. I spoke to two people at Barclay who told me how to ask for the late payment to prove it was not late but they did not have the authority to remove it.
Consumer complaint received 2020-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (VA)

A few years ago I co-signed for a student loan for my niece and this information is now showing on my credit report as the co-signor. I am attempting to purchase a home and I need a letter from the servicer saying that the loan is current or in deferment. I lost contact with my niece and can not get her to get a letter on my behalf and the lender is telling me that they can not assist me because I am not the borrower. I can not close on my Mortgage loan without this information and I need assistance in obtaining it. I have four student loans on my credit report totaling {$63000.00} all beginning with the account number XXXX and without the account number or my nieces SSN they won't provide me with any information. Please help or I will lose my home!
Consumer complaint received 2018-09-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

We required a repayment plan last year due to Irma Hurricane. My last payment for this plan was in XX/XX/2018, I called on XXXX and ask if everything was good with my Loan but the service agent told me " I do not what happened but we have to put your account on a new repayment plan for 3 months, XXXX, XXXX and XX/XX/2018 ''. Then, in XXXX, my account will be current. I made my payments and called again on XXXX to verify it, but one more time another agent told me, " I see something unusual on your account, let me double check '', I agree with her ... On XX/XX/XXXX, I spoke with tow different employees over there, both of them told me " yes off course, WE ( Loan Care ) made a mistake, allow us 3 or 4 days to resolve it. Loan Care should move my payments because my money was sent I do not know where ... On XX/XX/XXXX one agent told me " Your account will be current, next payment will be on XXXX '' I ask her for a confirmation letter with this information and she said " yes, I am going to send it to you on XX/XX/XXXX ''. Since Monday XX/XX/XXXX, I have been calling her but she never answered my calls. Now, after 2 hours on the line with another agent, she informed that I have money available as Escrow for {$1400.00} but first, I have to pay {$550.00} to put my account current. I need that Loan Care move my money from escrow to cover the {$550.00} and put my account current. Loan Care never informed my about any situations, they have a different answer each time that I call them, nobody knows what happened and the solution is the same : you are late with payments. I did not ask send my money to escrow so why I have to resolve the situation paying more money without guarantees that my account will be ok. My credit is being affected for this situation. At this time I lost all the confidence I had in that company and I do not want to make another payment without make sure that my over payments will be returned to me.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-12-18
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. (IL)

i was issued a credit card from my work in 2014 during my short time of employment, I was only an authorized user on the account it was not opened by me. The company was having financial issues so i left the job.

i applied for credit few years ago and find out i have delinquency on my credit report, i checked my credit report with all 3 credit agencies and find out only Equifax is showing a credit card from XXXX XXXX XXXX with status Charge Off at first i thought it was identity theft since i never opened up any credit card with XXXX XXXX XXXX but then after some time a bell rang and i recalled the card which was given to me as an authorized user.

In past 3 years i have filed multiple disputes with Equifax to remove this information from my report and it has been denied by Equifax they keep telling me information is correct i had the card and XXXX XXXX XXXX won't allow it to be removed I called multiple departments with XXXX XXXX XXXX with no luck getting this resolved on my own.

I am very frustrated at this point and not sure where to seek help as the credit agency nor XXXX XXXX XXXX is willing to rectify the issue I was only an authorized user on the card and was responsible for any liabilities.

Please advice. 
Thank You Best Regards, XXXX XXXX
Consumer complaint received 2024-11-08
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. (MO)

PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Subject : Complaint Against TransUnion for Violation of 15 U.S. Code 1681i ( 5 ) and Failure to Remove Inaccurate Account Information Dear Sir/Madam, I am writing to file a formal complaint against TransUnion for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 1681 ( 5 ) the Fair Credit Reporting Act. 



Account Information : Account Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$770.00} Despite providing clear evidence of the inaccuracies in the above-reference account and requesting its removal from my credit report, TransUnion has failed to comply with the law and has retained the inaccurate account information.

The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of TransUnion to adhere to this requirement is a clear violation of 15 U.S. Code 1681i ( 5 ) and has caused me financial harm and distress.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against TransUnion for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that TransUnion upholds its obligations under the law.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Debt was discharges which makes it a security of indebtedness. Security of indebtedness are considered income according to the IRS which makes it eligible for removal from my credit report.
Consumer complaint received 2018-06-25
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: JPL Recovery Solutions (CA)

JPL has threatened to garnish my wages from a Online Loan from XXXX. The contract said that my interest rate was 179 % which equals to {$18000.00} for a {$1000.00} loan ... how is that legal? Also, XXXX XXXX the agent was asking very person questions that is non of her business. 

Such as : Why would I get a loan? 
Did I know about the details? 
What was the loan for? 

So JPL has called me work, my father, my mother and threatened them as well. Im happy to pay off the debt but I am not working with JPL.
Consumer complaint received 2019-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MA)

On XX/XX/2019 I filed a Dispute with Equifax to which they conducted " an investigation '' which did not consist of anything other than them contacting the creditor and getting information written on a screen whether that information was false or not Equifax did not care. Additional Equifax refused to accept any of the documents that I sent in as proof to include the letter from the creditor ( with the header and contact info ) that stated the information on my account was inaccurate as reported. On XX/XX/2019 I filed an additional dispute containing the same information as the original information to which was found in my favor to what Equifax has informed me of. This information was sent by Equifax to someone else 's email address other than mine. I called Equifax to get them to send the information to the correct email address. On XX/XX/2019 another dispute ( XXXX ) was created to send the information to my email address. This information was sent once again to the wrong email address. On XX/XX/2019 I called Equifax once again and the rep agreed to send a copy of the dispute to the correct email address, however, hung up on me. I have called back to ensure this was taken care of multiple times on XX/XX/2019 and spent over 3 hours on the phone without prevailing and was transferred over 10 times