davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (CA)

Thank you for taking the time to read this and for hearing all of our concerns. Your work is appreciated. 

I attended XXXX XXXX while serving in the XXXX. This would 've been in XXXX, VA around the year 2000. I was using the XXXX XXXX which was a confusing nightmare at the time. 

Approximately 3 - 4 months in, I receive a letter stating I owe money for student loans. XXXX financial aid tells me I did n't send the form which was due every quarter, or half. I forget the timeline. Either way, I was never given any notice of this form and had no recollection discussing it. 

I say I can turn it in now. Financial aid office says their hands are tied. I say there was poor contact on their behalf, surely they can accept a form week late due to an admin error or something, right? No. Give us {$5000.00}. That has grown to something like {$12000.00} now. 

So now I 'm dealing with FedLoan Servicing. I guess they 're with Department of Education? They 've been relentless trying to collect using different vendors, or changing their own face over the years. 

It 's been a ridiculous fight against this loan for 15 years. We approved all the XXXX XXXX paperwork, and they say I do n't need to give them anything else. I deal with schools and financial institutes in my workplace, they always have some type of waiver. 

It 's not right being charged so viciously when I was under the impression XXXX XXXX had it covered. I do n't know if this should go to Department of Education or XXXX. XXXX of them needs to grandfather the form in. We can do better than this.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I am a victim of identity theft. My information was used fraudulently, and now I see items on my report that I was never associated with. Following Equifaxs instructions, I filed a report with the FTC and submitted it, but these fraudulent items are still on my report.
Consumer complaint received 2016-11-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

We just started construction to rebuild our home from a tornado. The mortgage company is holding all our money paid to us by the insurance company. We have an invoice for {$46000.00} that we paid to the concrete company. The framing is almost done and we need to pay that bill along with windows and drywall. The mortgage company is taking so long to reimburse us that we ca n't move forward. We ca n't keep contractors if we ca n't pay them in a timely manor. We can not wait 10 to 15 days to get this bill paid because the contractors will move on to another job. This is the time in construction where the money is going out faster and I am not getting cooperation from the people who have my insurance money
Consumer complaint received 2016-10-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

In XX/XX/XXXX Chase Banks XXXX working at the fraud detection unit unlawfully locked me out of my own account when I tried to inquire about a transaction. They issued a security freeze in my account so I could not access my account online and had to go to branch and show ID to unlock it and I was not given any logical explanation. They had no basis to lock my account I answered all security questions accurately and answered all questions regarding my name and address so they acted in bad faith in denying me access to my account. This may be how Banks in XXXX XXXX work but not the us. Harassment of law abiding customers is what Chase Bank engages in. I do n't recommend chase bank. They are corrupt and disregarded my consumer rights and for no reason locked me out of my account. I recommend a class action lawsuit by consumers who have been harassed and denied access by the XXXX working in the supposed fraud detection unit because probably in many cases as mine the fraud detection unit accuses innocent customers of being the identity thief and real identity theives are not detected just innocent customers.
Consumer complaint received 2019-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

I had lost the tip of my XXXX and was out of work due to the incident I was not late on payments and I spoke with the manager of XXXX XXXX the next day it happened and told them what was going on they told me to submit proof that I was injured and lost a body part that they would pay the next 3 payments well they arrived 2 days later after documents sent and they said they would handle next 3 payments they than repoed the truck not being late and than charged me for the amount owed they reposed my truck to Florida when they told me everything would be handled
Consumer complaint received 2024-10-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Earnest Inc. (WI)

I attended XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and I was successful in discharging my federal student loans through the Borrower Defense to Repayment program . Which was established to provide student debt relief to students who were misled, defrauded, or otherwise harmed by predatory XXXX  and XXXX  often, for-profit schools. But the program only covers federal student loans. Private student loans are not eligible for Borrower Defense relief, and XXXXEarnest refused to discharge my private loans because of a refinance to the parent company Earnest. Stating the loan is not a loan directly used for attendance at the school. I completed a refinance to release my cosigner off the loan of {$120000.00} and to also arrange a fixed rate to better my situation in repayment and to continue to be a good standing borrower. XXXX has been hit with several lawsuits also for lending malpractice where they forced borrower 's into forbearance instead of properly placing them into other affordable payment plans. I went into forbearance as directed until my time was maxed out. I was then placed into income driven payments which were still unaffordable. 

I've reach out to XXXX and Earnest multiple times for the pilot program school misconduct application and process which they have denied to give me every time. Sending a blanket statement to all those who have refinanced. Also stating they disclosed a section for federal loan alternatives and the loss of federal benefits that I acknowledged and signed at the time of refinance. I am not sure why this was emphasized as my loans through XXXX were not federal they were private, my federals were held through a different lender.

After all the trial and tribulations I believe I am entitled to the cancellation of my private student loans under the Holder XXXX XXXX. This rule requires that loans disbursed by commercial entity through a lenders or creditors relationship with that entity include a provision in the loan promissory note that allows a borrower to raise the same claims and defenses against the lender that they could raise against the commercial entity.
Consumer complaint received 2019-10-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MO)

I refinanced my mortgage in XX/XX/2012, FHA loans are required to pay PMI Insurance until you meet certain requirements. Well one of the requirements is that your appraisal value has to be a certain amount and your loan has to be paid by a certain amount. I called Mr Cooper mortgage company to find out when will I be able to drop the PMI Insurance and each time I call I get a different answer from the workers. This time I spoke with XXXX XXXX and he told me that I have a {$0.00} appraisal value on my home and that I would have to keep PMI insurance for the life of the loan. When they took over the loan it wasnt a {$0.00} appraisal so how can it go from X amount of dollars to XXXX. This is unacceptable and I will not stop complaining until they fix this situation.
Consumer complaint received 2021-01-12
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: CITIBANK, N.A. (CA)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XX/XX/2020 and on XX/XX/2020, CITI CARDS CBNA add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-01-12
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: URS Holding, LLC (TX)

United Recovery Systems has repeatedly called my family members from numerous numbers, after being repeatedly told to stop calling. I have contacted them, and they are threatening to have me arrested on fraud charges at my job over a debt from 2 years ago. I have not received any paperwork in over a year regarding this debt, so I assumed it was charged off on my credit. I will settle the debt with the original creditor, not the debt collection agency.
Consumer complaint received 2016-12-12
Product: Credit card — 
Issue: Payoff process — 
Company: NAVY FEDERAL CREDIT UNION (FL)

Your Message XX/XX/XXXX : Hello, I made XXXX payments XX/XX/XXXX to payoff my NFCU credit card, and I stopped my monthly auto-bill pay. 3 months later I got a phone call from NFCU saying that they only received one large payment from me. I then immediately made a final payment to pay off the balance. 
Today I noticed a 30-59 day late payment mark on my credit. Please remove this mark as I have paid in good standing for years. 
Thank you, XXXX
Consumer complaint received 2021-01-12
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: EQUIFAX, INC. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX  - Account # XXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 6. XXXX/XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Chapter XXXX bankruptcy discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

2. Bankruptcy : Discharged XXXX. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

3. Bankruptcy chapter XXXX-discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX.
Consumer complaint received 2024-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (NJ)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

BRCLYSBANKDE XXXX
Consumer complaint received 2019-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (CA)

My complaint is because I have some unauthorized charges to my Discover bank, account # : XXXX, with a current balance of {$3700.00}. This charge was made in the XXXX of XX/XX/2017. All charges after XX/XX/2017 are not mine. Im including a police report and an FTC report and also a refusal letter from Discover bank.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Several accounts on my credit report have been resolved or closed, but they continue to appear as open or delinquent. The credit bureaus have not updated the status of these accounts despite my efforts to report the accurate information. I am requesting CFPB intervention to ensure these resolved accounts are removed from my credit report.
Consumer complaint received 2024-09-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/XXXX, Chase notified me that they would close my account as they believed that my employer 's checks were fraudulent. I went to the bank branch in XXXXXXXX XXXX to show them that they the checks were real. They said they needed to verify the checks with my employer. 

When I called again on XX/XX/XXXX, they said it was too late and that they had decided to close my account. They said they would mail me a check with the remaining funds on XX/XX/XXXX. As of XX/XX/XXXX I have not received any checks and I will be leaving the country next month as I am working temporarily on a XXXX visa. 

I called again today, XX/XX/year>, and they would not provide any information about the location of the checks and they did not offer any other solution to the problem. I am still waiting to receive {$2600.00}
Consumer complaint received 2016-12-12
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Weltman, Weinberg & Reis Co., L.P.A. (MI)

Received written letter due to the receipt of a ONE day " late '' payment. I have scheduled bill pays of the debt owed and moved the XX/XX/XXXX payment ( XX/XX/XXXX ) to align with my pay day ( XX/XX/XXXX ) and received a letter dated XXXX. I find this to be very aggressive and unnecessary, when XXXX bill has a grace period. 
The main reason for arranging the bill pay was because of the horrible communication tactics with the representative and then the deceit of the amount owed submitted to the court. 
When I received the original communication in XX/XX/XXXX, it stated to contact the office before legal action was taken ; I did that and the debt collection agency still pursued court action ... it was until meditation that the court fees were waived and the verification of XXXX payments were presented. Of the XXXX payments, the first payment was n't noted on the account. Then after that, there were about XXXX versions of the agreement that had errors after errors, in which it was " expected/demanded '' for me to sign as if it was such an urgency ... 
At any rate, I ca n't wait until these next XXXX pre-scheduled payments have been received and I pray I never had to deal with this debt collection agency again in my entire life.
Consumer complaint received 2017-01-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (OR)

We have a mortgage with Wells Fargo. I lost my job on XX/XX/2016. We felt we could continue to meet our obligations for a short period. We felt we would need some help in the near future and filed a request with Wells for forbearance or an adjustment. We where denied even though our net income would not meet future obligations. After six ( 6 ) months of unemployment, I obtained a part-time position. At that time we asked Wells to reduce our rate to current rates ( approximately 3.5 % at the time ) and reduce the amount of the loan to the current balance so that we would be able to meet the obligation. Wells denied that request based on us not missing any payments and stated that they would have made an adjustment if we had been in default. They also suggested we sell our residence. During the process Wells paid our annual property tax without approval from us. Our original loan did not include a tax and insurance payment. We are in the process of refinancing with another company. Since Wells paid our taxes AND we agreed to future payments including property tax and insurance, Wells actual raised our mortgage payment by more than {$1000.00}. If we would have went for a refinance originally, we would have had a rate around 3.5 % and been able to take our XX/XX/2016 annual tax deduction. With Wells illegally paying our taxes and forcing us to wait to refinance at around 4.25 %, they will cost us ten 's of thousands of dollars over the lifetime of the loan.
Consumer complaint received 2019-10-08
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. (MA)

EQUIFAX is reporting my XXXX XXXX XXXX XXXX XXXX account with a late payment and that is inaccurate, I have never been late on this account. Delete late payment.
Consumer complaint received 2024-09-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

I am trying to access a very old paypal account ( XXXX years ) at XXXX. I have changed my phone number over time but recall the original number. I have access to the email. 

My current account is XXXX. I would like to transfer the balance at XXXX to my current account XXXX. 

I have tried the following : " call me '' - Can not, as phone number has changed. 
" email me '' - I do this, but no email appears. 
" ID check '' - I do this, but the app hangs. 
" confirm SS # '' - Tried this, but app rejects my answer. I'm pretty sure I never provided " Answer security questions '' - I only provided one security question when I opened the account, and the app gives me 2 questions to answer. 

Please help me, as I have been trying to access this account for long time without success. Please do not touch XXXX, that is my current account. 

I can provide SS #, current address, old address, approximate balance, government ID.
Consumer complaint received 2024-09-13
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CA)

As of 2023 Wells fargo has been attaching a fee to my savings account under the guise of low funds or not meeting transfer requirements. I was unaware and never informed of this change to this account. This account as others were part of wellsfargo scheme whereas wellsfargo used as either fake or accounts that have been aet up for fee collection. Wellsfargo has been found liable for this activity by federal regulators. I've contacted wellsfargo on several occasions to resolve this issue and either have been ignored and wellsfargo has never responded after promising to do so. As a customer of this back over 35 years and a XXXX it is difficult to find resolution to this matter. I'm reporting this as a last refuge to solve this. Thank you
Consumer complaint received 2024-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I XXXX have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. JPMCB - CARD SERVICE XXXX
Consumer complaint received 2019-05-21
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: CITIBANK, N.A. (AZ)

The people that are run the Best Buy credit card refused to send me an item I statement they won't send me one via email and they refused to send me 1 through the know I have tried on 4 separate occasions to no success I have not been using my card but my balance keeps going up. And they refused to send me any documentation