davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (NY)

In XX/XX/2014 I made a {$10000.00} lump sum payment towards my student loans. When I made this payment, I indicated, online, that this would be applied to all loans. Instead, the payment was only applied to XXXX loan, and the rest went into delinquency. 

When I was contacted ( after accounts were put into default status ), I explained my situation and the representative reapplied my payment to cover all loans and bring my account up to date. 

When I saw these missed payments reflected on my credit score, I tried many times to get them removed. I still have these missed payments on my credit score, and it is a massive impact to my score and my life. 

In light of the new federal lawsuit against XXXX, in which XXXX of the allegations is XXXX misapplied payments and another is XXXX misreported missed payments to the credit beuraus, I believe my loan servicer, FedLoan Servicing, is guilty of the same thing with my account. 

I want the missed payments removed from my credit score. I also believe FedLoan Servicing cost me in terms of interest and fees by misapplying my {$10000.00} payment in XX/XX/2014 and was negligent in fixing the issue.
Consumer complaint received 2017-01-19
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I was shocked when I reviewed my credit report and found late payments on the dates below : 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. This must be an oversight and would appreciate any help in clearing this up.
Consumer complaint received 2023-02-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I would like to file a complaint about missing funds in the escrow account associated with the home equity loan with Citizens Bank. The mortgage was originally associated with Investors Bank, which has been purchased and merged with Citizens Bank in XX/XX/XXXX. As of XX/XX/XXXX, the Annual Escrow Account Disclosure Statement provided by Investors Bank suggested I had a {$90.00} positive balance in the escrow account. Based on the Investors Bank 's Annual Escrow Account Disclosure Statement, I would have a surplus of {$52.00} and I received a check for the surplus. Throughout XXXX, I have always paid my mortgage payment including contributions to the escrow account on-time and the property tax stayed essentially the same. However, in XX/XX/XXXX Annual Escrow Account Disclosure Statement provided by Citizens Bank, I was informed that I had a negative balance of - {$150.00}. The loan with Investors Bank was transferred to Citizens Bank on XX/XX/XXXX. As such, I called and inquired the escrow department with Citizens Bank and I was told that from their records, my escrow account in the beginning of XXXX was in a negative {$30.00} plus balance. There are two issues with my escrow account : 1 ) The escrow account as of XX/XX/XXXX was in positive balance and I received a check due to surpluses. There is no way that the escrow account dropped to negative balance in the beginning of XXXX ( XXXX year end balance was {$90.00} and the surplus check was {$52.00} : {$90.00} - {$52.00} = {$37.00} ). 2 ) The escrow account is only used to pay property taxes. Given the property taxes stayed the same throughout XXXX ( i.e., no material increase ) and I have always paid my mortgage payment on-time, I could not understand as to why an initial negative {$30.00} balance would grow to negative - {$150.00} by XX/XX/XXXX. If the property tax stayed the same and I have always paid on-time, I would expect the deficit to stay roughly the same ( i.e., not growing from - {$30.00} something to - {$150.00} ). 

I have filed XXXX with CFPB and Citizens Bank closed the complaint after the investigation stating " On XX/XX/XXXX, you notified Investors Bank of a delinquent tax bill you had received. '' as the reason for the escrow account shortage. However, I have never received delinquent tax bill nor contacted Investors Bank ( now part of Citizens Bank ) during XXXX and XXXX regarding delinquent tax bill.
Consumer complaint received 2023-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (FL)

I have been a customer since XXXX and since XXXX I have been complaining to the bank about abusive fees charged to my account. few fees were returned, considering that I paid many, many. in addition, they have now decided to charge an additional XXXX dollars a month. they charge a fee of XXXX dollars for a debit of XXXX dollar, absurd, a disregard for the customer. I've certainly paid well over {$3000.00} in taxes alone. and there is no point in calling the bank that leaves you waiting for hours and nothing is resolved. since XXXX charging abusive fees!!!
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the listed accounts below : Account name : XXXX # XXXX Account name : XXXX XXXX XXXXXXXX
Consumer complaint received 2017-01-19
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: AMERICAN EXPRESS COMPANY (FL)

I 've had multiple credit card accounts with American Express including business. In the last XXXX years of doing business with them never was a bill ever paid late. Due to the financial crisis I was forced to let go of my home causing my credit scores to drop but never the less I chose NOT to file for bankruptcy but RATHER fulfill all my credit obligations. It has been a challenge to increase my credit scores and now American Express dropped my credit limits from {$4200.00} to {$800.00} ( {$800.00} was the outstanding balance on card ) in XXXX card as well as drops to other cards. The impact and something affecting millions of consumers is that I went from XXXX % credit use to XXXX %!!!! maxing out my credit and consequently making my credit scores drop immediately. This is not the first time it has happened it happened once previously with American Express and once with XXXX. I think this is an unethical practice by credit companies to hurt the credit of good standing and paying customers there is absolutely no record of late payments on any of my credit accounts. I now questioned if I should 've file for bankruptcy instead to get new start. I contacted credit company and all they told me was that I should try and apply for credit increase which is nonsense. I have since closed all my accounts with American Express and contacted their XXXX offices where I was told I had to apply for an increase of credit and there was no guarantee that I would get the same limit. Clearly showed I was not treated as a loyal customer.
Consumer complaint received 2023-02-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Payward Ventures Inc. dba Kraken (CO)

On XX/XX/23 I sent a XXXX deposit to my Kraken account in the amount of XXXX dollars. I contacted customer service when the deposit did not show up in my account after 15 confirmations. I was told that even though I had been a VERIFIED member for 3 years, I needed to send them a picture of me, my id, and a note. I complied, but after about 5 hours was told that Kraken was closing my accoung. For what? Who knows, I didn't care since I already was not going to use this horrible service again. 

I was then told that I needed to sell my XXXX and iniate an ACH transfer to a bank account, something that is not in the Terms of Service and definitely not something I agreed to. 

They keep cancelling all my crypto withdrawal requests and are illegally keeping my funds from me. I never agreed that Kraken could make me withdraw funds in a certain way and as such they have no right to withhold them from me.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (TX)

I got a call from XXXX agent over a year ago about not letting my school loan default. Not really knowing much and talking with them I found about forbearance to get them out of default. We did the paperwork and they determined with XXXX kids and my pay I would have {$5.00} taken from my paycheck per paycheck. Then after a year I would get contacted by a new collector. I never did and then a bill from Navient showed up and I had to call to make sure they were n't a fraudulent company. Found out they were part of XXXX and I had just recently paid a CC off so I started sending that money in twice a month towards my loan. So I went from paying {$10.00} that XXXX had taken from my check to {$100.00} a month. Last month I got a final notice letter from Navient. I called and asked why? They said I had n't been making large enough payments and I explained all this to XXXX ( # XXXX ) and asked for all info in our conversation and the paperwork I needed to fill out, to get my payment recalculated as before when XXXX had done so, emailed to me along with conversation. I did receive a email but could n't respond to it and still have not received the paperwork I need to fill out. Very frustrating as I am working hard to provide for my XXXX kids and rebuild my credit score after my divorce and find out they are reporting me.
Consumer complaint received 2017-01-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My wallet was stolen on XXXX XXXX 2016 with all my information social security, debit and credit cards, Drivers license. The perps have used my social to open credit card accounts under my name I 've reported the situation to the credit bureaus I 've placed a fraud alert and only transunion has deleted the fraudulent inquiries I 've had about XXXX inquiries since XXXX XXXX and XXXX account was opened. I 've reported this to the FTC and my local police I 'm a victim of identity fraud and I need help. The perpetrators address has been added to my own credit report as if it 's mine.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts, DPT EDXXXX : # XXXX, DPT EDXXXX, XXXX XXXX, DPT EDXXXX, XXXX  XXXX XXXX DPT EDXXXX, XXXX, DPT EDXXXX, XXXX XXXXXXXX, DPT EDXXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX, XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has all 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 2017-02-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Last year while searching for an apartment in XXXX XXXX, it came to my attention that on my credit report TransUnion XXXX XXXX XXXX had XXXX evictions on my report. After contacting Transunion, they told me that I needed to contact XXXX XXXX XXXX XXXX XXXX XXXX. Which I did. After speaking with a gentleman named XXXX, I learned that my name was included in eviction paperwork that was filed, and then was withdrawn. During that time, my mother and her previous landlord settled an issue in civil court. This also showed up on my credit report as an eviction. My attorney told me that the information should not have been on my credit report, nor should it have shown up as XXXX evictions. He also stated that because it was a civil matter, that the credit company should n't have had access to the information. 

I sent the credit bureau several documents which included copies of the release of the case and the withdrawal which included the landlords signature. After submitting my documents and waiting for their response TranUnion, sent me this response : " The eviction filings and judgments information included in the report provided to XXXX XXXX XXXX on XXXX/XXXX/2016 was derived from public records from the Housing Session Court. Based upon our investigation we have confirmed that this information is accurate as a dismissal. " I asked the Transunion to remove the evictions on my report last year in a letter stating that they were not evictions. It is now a year later and I am seeking to rent another apartment in XXXX XXXX and these same evictions are coming up on my record and preventing me from moving forward with my search. 

This morning I called TranUnion and they told me they were indeed dismissals and would open another dispute claim to find out why there not removed last year. My lease is up in less than a month and I need to move. I am seeking your assistance in this matter, because alone I have not been able to get my credit report amended.
Consumer complaint received 2016-09-13
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

All XXXX ( XXXX ) bureaus continue to place freezes or alerts on my report without my knowledge or consent. I have asked them to remove the freezes/alerts to no avail - they keep adding them. Under FCRA 605A ( a ) ( 1 ), fraud alerts can only be placed in the credit file at the request of the consumer and Under FCRA 605A ( a ) ( 1 ) ( A ), a fraud alert can be removed simply at the request of the consumer at any time ... 

I have not authorized ANY of the bureaus to place anything on my credit files and the alerts/freezes THEY have place on my files are hindering me from obtaining credit as no one is able to obtain my report.
Consumer complaint received 2017-01-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Radius Global Solutions LLC (TX)

I was a victim of identity theft and noticed a collection from CENTRAL CREDIT SERVICES I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CENTRAL CREDIT SERVICES in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2023-02-24
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: CORELOGIC INC (CA)

I was apply for home loan and there should be only 1 hard inquiry. I show 2 companies only 1 where I finally used for my loan Thank you XXXX XXXX XXXX  ( Finance ) XX/XX/2022 CREDCO/XXXX XXXX  ( Bank ) XX/XX/2022 2022
Consumer complaint received 2023-02-24
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. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX  XXXX # XXXX and XXXX  XXXX 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 : it Also states a consumer reporting agency can not furnish a account without my my written instructions
Consumer complaint received 2023-02-23
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: Aargon Agency, Inc. (NV)

Contacted Creditor on XX/XX/2023 asking for documents to dispute fraudulent claims on personal report. Creditor good not present or provide any of the documentation I requested such as Original Contract with my Signature, Payment History or Prood of Ownership. I also requested documents that they could provide through Mail and they declined. Stating they are paperless. Which gives me no proof to attach or give to my local Police Department. The debt collector had wrong address as well as email which he changed in his system once I gave him my information
Consumer complaint received 2016-05-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Pinnacle Credit Services, LLC (PA)

In XXXX, I opened an count with XXXX XXXX. The account was closed in XXXX with a past due amount. At some point the account transferred to collections with an open date of XXXX XXXX. The dates are not accurate and the collection agency has re-aged this account according to the original creditor 's date of first delinquency.
Consumer complaint received 2017-01-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (AE)

First I would like to express my appreciation for confronting XXXX XXXX on behalf of service members about changing the interest rate to 6 %. I received a reimbursement check for almost {$10000.00}. 
After receiving my check, I found out I was eligible for the Public Service Loan Forgiveness ( PSLF ) program for military service but I would have to transfer my loan from XXXX to FedLoan Servicing. I submitted the paperwork and transferred my loan. When I called FedLoan about participating, they told me my income was too high for the PSLF and I was not eligible. Not only that, they raised my interest rate to 7.625 % because it was " disbursed '' after I was XXXX which is clearly not the case. The money was disbursed in the XX/XX/1990 when I was in college and not in the military. I feel now they ( 1 ) deceived me to transferring the loan to them, and ( 2 ) illegally increased my interest rate. Had I known I was not eligible and my interest rate would go up, I would have never transferred. Please help fix this like you did with XXXX XXXX. 

FedLoan Servicing XXXX. XXXX XXXX XXXX, PA XXXX Account # : XXXX
Consumer complaint received 2023-02-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

I had a phone call on XX/XX/XXXX by a company claiming they have recovered my funds from a previous scam called XXXX media which I already have a case opened with Law enforcments and with XXXX, The phone caller that scammed me claimed he had recovered my funds and showed me a blockchain link with my recovered funds scammed with phone calls and apparently the scammer knew alot of details about me, and was claiming to help me recover scammed funds on another case in XX/XX/XXXX that I have already, They requested to connect by XXXX  to guide me through to make transactions to avoid money laundering when the funds are sent back to me in full and need to verify transactions so the funds are released back to me, The showed me fake wallets that have funds and they claimed its my funds, and they need to synchronize the world ant-money laundering system to avoid alerts, Please I have been scammed and the transactions are not authorized by myself, I would like to add the recent scammer had a lot of details about me and personally, and that's how they gain your trust because they have details about me, and you believe them,
Consumer complaint received 2023-02-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

I MADE A DOMESTIC TRANSFER FOR XXXX USD ON XX/XX/2022, THEIR WEBSITE STATES IT CAN TAKE 24-48 HRS. THEY IMMEDITELY TOOK MY MONEY AND CHARGED XXXX DLLS AND APPEARED AS A COMPLETED TRANSACTION IMMEDIATELY. SO I CALLED MY RECEPIENT AND THEY DID NOT GET IT. I CALLED WELLS FARGO TO MAKE SURE THE INFO WAS RIGHT, ACCT NUMBER AND NUMBER ARE. WELLS FARGO KEEPS SAYING 3 BD FOR IT TO COMPLETE. MY RECIPIENT CALLED HER BANK AND WAS TOLD THEY REJECTED IT CAUSE HER NAME WAS OFF BY ONE LETTER. WELLS FARGO KEEPS SAYING IT WAS COMPLETED AND INFO IS CORRECT. SO I WANT TO KNOW IF IT WAS SENT BACK TO ME WHEN WILL I SEE MY MONEY THEY KEEP SAYING IT WAS COMPLETED. NO SUPERVISOR WAS AVAILABLE AND ALL THEY DID WAS A CLAIM. WHEN I WANT TO KNOW AND BE ASSURED EITHER THE RECEPIENT WILL GET THE MONEY OR WILL THAT MONEY COME BACK TO ME AND THEIR ANSWER WAS THEY DO NOT KNOW WHERE MY MONEY IS. NOW I HAVE TO WAIT FOR THEM 10 BD FOR THEM TO TRY TO HELP ME.