davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-09
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. (PA)

I am potentially exposed to the XXXX 2017 Equifax data breach. This is the most recent of many data breaches I have been potentially impacted by. It is clear to me that companies that are in possession of my highly personal identification details are incompetent in regards to its safe keeping. For every one of these breaches, these companies offer a year of " free '' credit monitoring which then is charged as a subscription service thereafter. To single out Equifax, there are reports that agreeing to such a service is also agreeing to forced arbitration, essentially holding my identity and rights as a consumer to take legal action hostage for such protection. This information is in most cases permanent and unchangeable without undue burden such as a social security number. I feel that these companies have not taken appropriate actions to safeguard my personal information because there is no incentive for safekeeping or monetary penalty for failure ( i.e. fine levied ). It is an insult that they will offer " monitoring '' to the victim of these breaches through their own corporate division when they are the the entity that is clearly incapable of protecting my information in the first place. At a minimum, I would expect industry wide changes in practice that penalize corporations for their inability to safeguard this information. I believe lifetime credit monitoring is more than a fair trade for the repeated exposure of this information that an individual like myself has endured.
Consumer complaint received 2017-02-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of America Ltd. (PA)

I contacted Collection Bureau of America who reported on my credit report i have an {$81.00} amount in collections. However when I called to speak to a representative at XXXX she advised me that the amount was {$100.00} and that {$26.00} was finance fees that had accrued on my account since 2013. I advised I had recently checked my credit report and it showed {$81.00}, so which is the correct balance. I paid the {$100.00} so I can get this account off my collection report, however I feel this is incorrect information. If the balance shows on my credit report as {$81.00} I should receive a refund.
Consumer complaint received 2017-09-09
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (CA)

In XX/XX/XXXX my JC Penney credit card had two charges that I did not make for a total amount of {$600.00}. I called JC Penney to complain, and was referred to the XXXX XXXX Fraud Department. I did not pay the amount due for these charges because I knew that I did not make them, so my account began to be charged late payment fees and interest on the unpaid amount. In XX/XX/XXXX I received a letter from XXXX XXXX stating that they agreed that I did not owe these charges, and that my account would be credited with the amount charges and related fees that had been added to my bill. In XX/XX/XXXX my account was credited for the amount of the original incorrect charges, but not for the late payment penalties and interest. I again called JC Penney and  XXXX XXXX to complain. The latter told me that my case was still being processed, and that I would be notified when the case was resolved. Meanwhile, additional late penalties and interest were added over the next several months, without any communication from either JC Penney or  XXXX XXXX about the resolution of my complaint. Finally in XX/XX/XXXX, I received a letter from XXXX XXXX that they had sold my account to a collection agency, XXXX XXXX XXXX, with no further information about the resolution of my dispute of billing me for late fees and interest on amounts I did not owe. By this time the accumulated late fees and interest were {$140.00}. XXXX XXXX XXXX is now trying to collect this amount from me. I have formally complained to them as well by telephone. I was instructed to fill their " Identity Theft Affidavit '' even though I do not have any reason to believe that the incorrect bills are the result of identity theft. I have submitted this form plus a letter disputing the charge that they are trying to collect, along with all of the documents showing the history of the bills to this account. These are attached to this complaint.
Consumer complaint received 2017-09-09
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. (NY)

Equifax, a service i had no option to opt-in or opt-out of using, allowed my PII to be obtained by people with malicious intentions. The personal information that was obtained includes name, current address including address history, social security number, state issued ID number, birth date, and more. 

This information is not able to be changed like an email address or password. The impact of this situation will follow me for the entirety of my life.
Consumer complaint received 2017-11-08
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (AZ)

Paypal has continued to call my family members and telling them info about my personal debt. They told my MOM that I could serve time in jail if debt is not paid. They also told her the amount of my debt as well as asking about my employment status. Very unprofessional and concerning. I am debating seeking legal information because of this harassment.
Consumer complaint received 2017-11-07
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: Fay Servicing, LLC (GA)

Fay servicing respond to the complaint, and only resolved 1/2 of the problem.  BOTH late notes should have been deleted ( not just the one that they deleted ) ... the late reports, and fees were all part of the same issue ( hacked checking account and documents sent to Fay on 7 occasions ). This ongoing issue with Fay is hurting our credit score and the ability to get a mortgage.
Below is the email that I sent to Fay on 4 occasions, going back to XXXX, 2017. 
Hello XXXX, Once again thank you for sending the summary / account activity report on our account. 

Please note the following as to our account. 

We have been and continue to make two payments per month. Each payment is for {$1200.00}. We have been making these two payments per month for over 2 years.
Per your predecessor, XXXX XXXX XXXX, your company did not process the two payments in a timely manner as they did not know how to handle these types of payments, ( even thought I noted on EVERY payment the amount to principal and to the payment ). Hence these payments were shown as partial at times and at times caused the account to show as late. Because of this improper handling of our payments, late fees and notes were added to our account.
The returned checks / fees were due to my checking account being hacked and our account frozen until the fraud was being corrected. Again this information was communicated to XXXX during several phone calls. 
In closing the following corrections should happen to our account.
1. All late fess should be waived. I am ok with the late fees being credited to our account as additional principal payments.
2. Our account should not show ANY late payments.
Thank you in advance for correcting these errors on our account.
Please feel free to contact me with any questions.
Best regards, XXXX XXXX XXXX XXXXXXXXXXXX HELP!!!!!
Consumer complaint received 2017-11-07
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. (CO)

I have been filing complaints for 2 years and nothing has been resolved the only thing the TransUnion and XXXX  and XXXX is put on a statement consumer filed bankruptcy even though that was more than 2 years ago then lowering my credit score even more than it was before. I did not have any of the inquiries removed like i requested with certified letter that i did not authorize or know about 12 inquiries. they did not update the information for XXXX it properly and they still have not remove payment histories XXXX until XXXX when I filed bankruptcy it still includes payment history prior to my bankruptcy That was supposed to be removed by and was mandated to do so by the Ombudsmons group. CFPB keeps closing these investigations without an resolution. Im about to file an official complaint against CFPB and ALL credit bureaus. This is old. I sent CERTIFIED LETTER THAT REQUIRED A SIGNATURE. THEY SIGNED AND DIDNT DO NOTHING AGAIN.
Consumer complaint received 2017-11-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have an existing loan serviced by XXXX XXXX XXXX. I received a pay off demand with an Other Fees * {$16000.00} on the demand. The detail said included an attachment A with no explanation of this charge I never agreed to, or authorized. When I called XXXX XXXX XXXXXXXX they said it would take 3 weeks for any response. Now I am frozen to complete my current refinance which has a rate lock expiring. I am left with no recourse and no help from XXXX XXXX XXXX. This will cause me financial peril and I am seeking help from the cfpb to force my mortgage servicer to respond and/or remove this illegal charge. 

- I have never been late on a mortgage payment. 
- I have perfect XXXX fico score credit. 
- I have never agreed to any pre payment penalty which is illegal. 

Thank you for your help in this urgent matter. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

I keep getting calls about my student loan when the statue of limitation is up. This loan is still showing on my credit report. I called and tried to make several payment arrangements and I could n't afford the payments that were offered. I also am aware of a recent lawsuit that was taken out on the loan provider for those same issues that were affecting me.
Consumer complaint received 2017-09-09
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. (TX)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Consumer complaint received 2017-09-09
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. (VA)

Submitting a complaint about the Equifax hacking. The company kept my personal details in a non-secure form, allowing outside parties to obtain the information. It would appear the company did not take the proper precautions in order to protect my information, and from the reports, did not even attempt to. The hack occurred months ago, ( XX/XX/XXXX ) and has just been reported this month ( XX/XX/XXXX ).
I have already checked my credit report, and have taken the proper precautions that I am able to take on my side, but the fact remains that Equifax did not properly handle my information - whether on purpose or completely negligent.
Consumer complaint received 2017-09-09
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: Experian Information Solutions Inc. (CA)

Please see Unauthorized inquiries from XXXX on XX/XX/XXXX and XX/XX/XXXX. Please remove from my credit file as these inquiries are unauthorized and without my permission.
Consumer complaint received 2017-03-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (MI)

Nelnet is constantly re aging my account adding on late fees. I opened this account in 1998. I never received notice about my account status being out of forbearance or late at all. I was in the miitary for 10years and worked with XXXX. I was told that I could not get a forbearance. I am on public assistance I cant get a job in my field because of the late payments. Please help me they are not willing to work with me
Consumer complaint received 2017-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please see Unauthorized inquiries from XXXX on XX/XX/XXXX andXX/XX/XXXX. Please remove from my credit file as these inquiries are unauthorized and without my permission.
Consumer complaint received 2017-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

GM card, I could not log onto the GM card website to pay my monthly bill, due to a new verification process. I realized I could not find the card. On XX/XX/XXXX, I called customer service to request a new card and pay the bill. I was inform by GM Card ( Capital One ) would not re-issue the card until the account was current. I paid by check over the phone and informed I would have to call customer service back in a few days, after the check was processed. I called back on XX/XX/XXXX and requested a replacement GM card and reported my card lost. At that time I was informed that I would receive the card in 4 days. On XX/XX/XXXX I recieved a Capital One XXXX card. When I called Capital One and spoke to XXXX the supervision, ID # XXXX. She told me a new GM card had been issued but not sent, because my payment had lapsed. I informed XXXX, I do n't receive a paper statement and ca n't log on my account because of the new verification that requires that I enter the security code on the back of the card, which they will not send me.
Consumer complaint received 2016-09-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (TN)

The company provides me with misinformation every time I call regarding my account. My account information is never correct and I receive a different inaccurate reason for the failure of the account to be correct each time. Every time I am advised that the account will be corrected, but it has yet to be correct when I follow up. I was recently advised that I needed to make a physical payment since my direct debit was requested to be changed and that no direct debit would be withdrawn. However, both the physical payment ( {$820.00} ) and a direct debit ( {$630.00} ) were withdrawn. Furthermore, when I made the change to my direct debit amount, I did not authorize the direct debit amount that they withdrew but had made a request for the amount of my monthly installment to be withdrawn ( my monthly installment is supposed to be {$820.00} but on XXXX/XXXX/16 it stated my monthly installment was {$1.00} and yet {$630.00} was withdrawn ). I can not get accurate information regarding my account any time that I call to inquire. Further. when Fedloan servicing took over my account from XXXX, they did not transfer my loans as a full consolidation like XXXX had previously completed for me. Therefore an additional consolidation had to be created in order for them to be included in the public service loan forgiveness repayment option and the repayment plan is therefore extended on those particular loans. Accurate information is vital to being able to manage student loan repayments and this company lacks the resources and tact to do so. I will be escalating this as far as I need to to ensure that others do not have to endure this lack of professionalism in the future and to ensure that my issues have been rectified. 

The University XXXX XXXX XXXX XXXX XXXX, TN
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XXXX of XXXX made a claim claiming that the information was verified. In your response you said the account was verified by XXXX XXXX, I disputed the accuracy of this information and they could not verify the account! They Deleted the account.

See Proof Attached. You have violated my consumer rights.

You stated that the account was verified, how did you come to possess this information?

I am very sure I did not give you any permission ; no permissible purpose.

15 USC 1681b ( A ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

When did I give you permission? Your action amounts to fraud and aggravated Identity theft 15 USC 1681q You Obtained my information under false pretenses.

Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

18 USC 1028A Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

You are guilty of obtaining my private non public personal information, you had no form of permissible purpose, you knowingly accessed my consumer report without any permissible purpose.

The account # that you have verified can not be verified, the data furnisher must verify this disputed request, yes both of you alleged that this account was verified, But as you can see, in the attachments the source you have used to tell you verified just deleted this inaccurate account in less from the consumer report.

Promptly delete this account from my credit reports and to every person you have furnished this inaccurate into to.
Consumer complaint received 2017-08-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Money is being taken by Huntington and applied to interest on my loan when it should be applied toward the principle balance. I have made many, many.. many attempts to have this corrected, yet it is not. After going through this process for several months it was " corrected '' though XX/XX/XXXX. I called around XX/XX/XXXX asking for the payment I had made on XX/XX/XXXX to be corrected as it was not applied correctly. I was told it would be. On XX/XX/XXXX I called again because even though there were some changes made, the funds were again re-applied incorrectly. I was told, again, that it would be fixed. I called yet again on XX/XX/XXXX and have not received any type of response from the company, and the funds are still incorrectly applied- which is a fancy way of just saying they are blatantly keeping my money. Everything is a mess here- they are keeping money that should be paid toward principle, that is obviously affecting the interest calculation which costs me even more money, the numbers do not even match with their own amortization schedule, and the amortization schedule itself does n't even look right, though I 'd need to calculate everything manually to be sure. At this point it 's nearly impossible to say the exact amount I rightfully owe, or how much they owe me, and that 's ridiculous.
Consumer complaint received 2015-08-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America Missouri reported " suspected Fraud '' to my XXXX profile due to XXXX payroll checks having been returned NSF. I disputed the report with XXXX and they are now reporting the information has been verified using information obtained from Bank of America which is not justified and defamatory.