davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

On XX/XX/XXXX, I sent a letter to XXXX XXXX XXXX  ( see attached supporting documents ) expressing the errors they continuously keep reporting to the credit bureaus on my credit report. On XX/XX/XXXX, I sent them a second letter stating that it has been over 30 days and I received and reviewed my credit reports. I informed XXXX XXXXXXXX XXXX that they had failed to place my ( 2 ) accounts in a " disputed '' status which is required by the FCRA and the FDCPA. I informed them that due to them not correcting the information, AND by them failing to place the required comments on the accounts, the information was inaccurate, incomplete, and represented a very serious error in their reporting. I ask for XXXX XXXX to correct their error by removing the accounts. On XX/XX/XXXX, I received a reply from XXXX XXXX stating that since they are not a " debt collector '' they are not defined by the FDCPA and did not have to place the remakes or comply with my request. On XX/XX/XXXX, I sent a 3rd letter to XXXX XXXX once again explaining their error, expressing the serious nature of it, and also that they are an original creditor that are bound by both laws ( FCRA and FDCPA ). I further explained, even if they were not bound by FDCPA, the violation I am stating is based on the FCRA. On XX/XX/XXXX, XXXX XXXX XXXX sent me ( 2 ) letter that were an exact copy of the first two,  basically stated they did not have to correct the error because they do not fall under the FDCPA. These ( 2 ) account has cause me great financial lost in the recent past in the form of higher interest rates on my refinance. I have paid each account off as requested by XXXXXXXX XXXX XXXX in the recent past. XXXX XXXX still failed to change each account to a " closed '' status and failed to report the correct information, as promise to the me and the CFPB in a written letter. Why do I have to continue to suffer due to mistakes made on their behave. XXXX XXXX was made whole when they wrote the debt off, and made additional money when they sold the accounts to a collection agency, which I them paid. I do n't understand why they should be allowed to be " Bullies '' when they are paid, and I am only trying to move forward in life.
Consumer complaint received 2017-01-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: EdFinancial Services (WA)

Most recently : XX/XX/2013 Misinformation by phone caused me to be taken off the Graduated Extended Payment Plan of which I had 3 more years until full forgiveness and placed on an IBR plan with a payment that was more than double my previous payment. No disclosure of the increase payment or change of plan was provided for me to make a choice. Over a long series of letters, I find that I can not make the payment they require or obtain full time employment to meet the payment so I am being forced into default. I am nearing XXXX years old, have XXXX for 4 months. I have limited income that is not expected to improve, no savings, little equity. I do n't even go to a hair dresser or out to eat at a restaurant. I 've worked most of my life as a XXXX, have a current credit score of XXXX, but they will break every aspect of my ability to make purchases or even get healthy care loans for the rest of my life. I wo n't even be able to XXXX because the XXXX pay into the governmet retiremt systems, and they will garnish my gross amount of my social security check before taxes and medical premiums are deducted. I have tons of evidence of their lies and misrepresentations and would gladly share those with you.
Consumer complaint received 2017-03-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (OR)

For the following two loans
  1-01 DL Consolidated - Unsubsidized, disbursement date XXXX
  1-02 DL Consolidated - Subsidized, disbursement date XXXX
Navient lists XXXX as the receiver. I did not go to XXXX in 2014.
Consumer complaint received 2017-02-24
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/2017 I received an email from American Express that my Bluebird card denied a transaction due to insufficient funds. I accessed my account and found numerous unauthorized charges, both posted and pending. I called customer service and disputed the posted transactions and also notified them of the pending transactions that were fraudulent. My card was canceled and they started the process of sending a new one. 

On XX/XX/2017 I received an email indicating my disputes were declined and my account locked due to violating the membership agreement. At this point I was no longer able to access the account. I received more emails indicating the account had a negative balance, despite the fact there was a {$75.00} balance when I disputed the charges and the card canceled ( fees? ). Upon calling customer service again, there was no satisfaction, no explanation as to how it was determined the charges were valid or an explanation of which charges ( or all of them? ) were determined to be valid. 

The amount gone from my account is approximately {$2300.00}. Since I am unable to access the account, I do not have the ability to determine exactly how much money, what all the charges are and what the balance should be. 

As part of this resolution, I want a complete list of all the transactions on the account.
Consumer complaint received 2017-02-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NAVY FEDERAL CREDIT UNION (CA)

Navy Federal Credit Union ( NFCU ) and my ex-spouse colluded to foreclose on my home by changing the loan solely to his name and refusing to give me any information in order to pay the mortgage and keep it from going into foreclosure when my ex stop paying on the mortgage. My ex-husband and NFCU employees colluded to embezzle the house I was awarded in our divorce. This occurred in XX/XX/2011 thus the criminal statute of limitations of six years applies. When I signed the loan documents NFCU promised to work with me if any problems were to arise. They lied to me, knowing that the purpose and long term goal was to embezzle my real property. This is a long running scam using : marriage, identity theft, kickbacks, and bribery and the tactics are similar to those used in the XXXX XXXX. 
At the time of the loan, I had reconciled with my ex-husband as he promised that his attorney would dismiss the divorce because there was no judgment. He lied knowing that his scheme was to embezzle my assets, me retirement, and illegally use my identity and assets for financial gain.
Consumer complaint received 2017-04-05
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (UT)

American Express offered a {$10.00} statement credit if I made a {$50.00} purchase at an XXXX store. I made a purchase totaling {$64.00} at an XXXX store. However, the merchant processed the charge under a XXXX merchant account which was specifically excluded from the offer. I contacted American Express customer service and the agent and the agent 's supervisor both said they were n't able to grant the credit since it was processed at a non-participating merchant. The expectation that the customer is somehow supposed to know that a specific merchant listed on the store front, the company 's website, and the receipt as " XXXX '' will not be eligible for an offer because the merchant processes the transaction under a different name is not reasonable. 

Here was the specific offer language : Details Get a one-time {$10.00} statement credit by using your enrolled Card to spend a minimum of $ XXXX in one or more transactions in-store at XXXX or online at XXXX by XX/XX/2017. See terms for exclusions. View Locations Nearby Terms Offer valid in-store at XXXX in the US/US Territories or online at XXXX. Not valid for giftcards purchased online. Excludes purchases from XXXX locations, XXXX, and XXXX. Offer is non-transferable. Must add offer to Card and use same Card to redeem. Limit 1 statement credit ( s ) per American Express ( R ) online account. Statement credit will appear on your billing statement within 90 days after XX/XX/2017, provided that American Express receives information from the merchant about your qualifying purchase. Note that American Express may not receive information about your qualifying purchase from merchant until all items from your qualifying purchase have been provided/shipped by merchant. Statement credit may be reversed if qualifying purchase is returned/cancelled. If American Express does not receive information that identifies your transaction as qualifying for the offer, you will not receive the statement credit. For example, your transaction will not qualify if it is not made directly with the merchant. In addition, in most cases, you may not receive the statement credit if your transaction is made with an electronic wallet or through a third party or if the merchant uses a mobile or wireless card reader to process it. By adding an offer to a Card, you agree that American Express may send you communications about the offer. POID : XXXX
Consumer complaint received 2017-02-21
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

i am behind on my mortgage and was dealing with XXXX. Filled out the loan mod package and XXXX said I was denied. asked for an appeal ... then XXXX said I was approved without filling out another packet but my loan was being transferred to rushmore. My original loan was for 15 years from 2002. Rushmore is giving me the option to pay 40 dollars less for 20 more years. Am I wrong is thinking this is not right? I had already paid 13 years on a 15 year loan and rushmore wants me to agree with a n3ew 20 year mortgage???? it does n't make sense to me
Consumer complaint received 2016-10-13
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Please refer to my previous compaint Case number : XXXX ] where I wanted to transfer money to my parents for their medical needs in XXXX and saw an ad. about XXXX Pay so, I downloaded the XXXX Pay ( XXXX XXXX ) in my iPhone. Then made a call to XXXX XXXX to understand the process. I was told to add XXXX Pay as payee in my bank checking account and paid the money I wanted to transfer into the XXXX Pay. So, I paid {$620.00} from my Capital one 360 checking account to XXXX Pay and XXXX Pay received {$620.00} from checking account on XX/XX/2016. After making several calls and emails ; I was notified by XXXX XXXX Pay dispute escalation team that they can not find my {$620.00}. I have provided them with cancelled check for {$620.00}, XX/XX/XXXX and XX/XX/XXXX bank statements to prove that they have my {$620.00} but Western Union/WU Pay is unable to locate my money. 
When I brought up this matter with capital one 360 ; their inquiry concluded that they were instructed and provided the XXXX Pay address by me which is totally untrue. As a matter of fact I with the help with their cafe personal banker downloaded XXXX Pay icon from capital one 360 bank 's website to add as a payee in order to transfer {$620.00} electronically to XXXX Pay and they sent out a paper check instead. Everything was done using their website so, I did not have to provide them with XXXX Pay address. Bank claims that the address was entered manually which I had no knowledge of it and as a consumer I had to trust the banks 's rep. and website. I feel like scammed and neither XXXX Pay nor capital one wants to to take the responsibility and trying to escape from their responsibility. 
Please help!
Consumer complaint received 2017-09-15
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. (WA)

On XX/XX/XXXX, I mailed a letter to Equifax informing them I was a victim of identity theft. I provided copies of my FTC Identity Theft Report and notarized Identity Theft Affidavit ( including reference to police report filed on XX/XX/XXXX ). I notified Equifax that as a result of the identity theft, fraudulent items were appearing on my credit report : 2 charge-offs reported by XXXX XXXX XXXX. I stated that these derogatory items were not related to any transaction initiated by me. In accordance with the FCRA 605B ( 15 U.S.C. 1681c-2 ), I requested Equifax to permanently block these charge-offs and collections from my credit report immediately. 

I received a response from Equifax dated XX/XX/XXXX. It was a letter stating " the results of the dispute you recently filed with Equifax are now complete. '' Under the investigation results section, Equifax indicated they had researched both XXXX XXXX XXXX accounts and " verified that this item belongs to you. '' I was alarmed that Equifax had treated the identity theft as a standard dispute, and called them for clarification. Equifax told me that regardless of federal law, their process is to contact the information furnisher ( XXXX ) for " verification '' of the accounts. This is completely unacceptable, and Equifax is in willful noncompliance of the FCRA.
Consumer complaint received 2017-09-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

I have a loan through FedLoan Servicing. I am employed at a XXXX and eligible for Public Service Loan Forgiveness and have taken all steps to be enrolled in the program, including income contingent payments. I have attempted, on numerous occasions, to get credit for the proper number of payments - they are only crediting my account for XXXX payments. They have failed to credit payments that were made during periods of {$0.00} payments and have failed to update the number of payments that should be credited for the prior year despite providing employer certification XXXX separate times. I am frustrated that I am not receiving proper credit for all payments made on this loan under this program.
Consumer complaint received 2018-05-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc. (AL)

Dear Choice Recovery Inc After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX/2013. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.
Consumer complaint received 2017-09-14
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

On or about XXXX XXXX, 2017 I called Quicken Loans in response to an advertisement for HARP refinancing. The loan agent, XXXX XXXX, looked up my eligibility for HARP refinancing and was unable to locate my loan on either FHA loan sites. He tried to convince me to refinance, but I am self-employed an have less than a year of income history so know I would be unable to get approved for a loan. XXXX requested the ability to do a soft inquiry of my credit to see if there was something he could do. I was extremely reluctant, knowing that a ) I was n't going to qualify because of my self-employed status and b ) I did not want negative impact on my credit report. He assured me it would have no impact on my report. 

On or about XXXX XXXX, I received a complete loan application from quicken loans via US Mail. I was shocked, since I was 100 % clear that I had no intention of applying for a loan. I disposed of the application appropriately. I received several phone calls from Quicken that day and made it clear that I never had any intention of proceeding with a loan, asked them to stop contacting me. 

On XXXX XXXX, I received email from Quicken advising me that they are unable to go forward with the loan " because of adverse credit '', and promoting their credit counseling services. After looking up my credit reporting information, I discovered that they did a hard inquiry without my permission on XXXX XXXX. 

I am requesting that : A. The hard credit inquiry initiated by Quicken Loans on XXXX XXXX was done without my permission and I want it removed from all credit reporting agencies records. 
B. I want to be assured that a credit rejection does not appear in my records because I never gave Quicken Loans my approval to proceed with a mortgage refinancing process. 

Thank You, XXXX XXXX
Consumer complaint received 2017-09-13
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. (VA)

i applied for a loan and these two credit cards showed up and I have never applied for these cards. XXXX XXXX {$840.00} and a XXXX XXXX for {$740.00}. I never had or used these cards and would like for them off my record. I do n't read well or use a computer. Got a relative to try and get this mess straight for me because Im old and do not use credit cards or order items. I m XXXX and XXXX XXXX XXXX XXXX completely. Not making excuses but I trying to get my point across.
Consumer complaint received 2017-09-13
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. (CA)

XXXX used inadequate security countermeasures to protect my most sensitive personal information. As a result of their lackadaisical attitude to online security, my most secure personal information has been compromised. 

Now I must pay to put a credit freeze on my account -- this is unacceptable. Almost half the citizens of the United States have had their most sensitive information compromised. 

This is a clear example of the need for more government safeguards on Equifax and other financial reporting agencies. They have collected my personal information without my consent, safeguarded it improperly, compromised and distributed all my information, and now are attempting to profit off their own failings. 

This is as wrong as it gets.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma (GA)

I 've requested that Credit Karma correct how they are reporting some information on their site regarding XXXX accounts. They are reporting that XXXX XXXX accounts are deleted and on the same page they are still listing the accounts as mine as well as still reporting ... Which is it
Consumer complaint received 2024-08-04
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I had opened XXXX claims with Bank of America on XX/XX/XXXX, within 2 days they said that I authorized this transaction. I never authorized this transaction totaling to {$25000.00}. This was taken from my savings account and Bank of America has not investigated this claim properly. Per the electronic funds act states as long as I report it to bank of American within 60 days Bank of America can not hold me liable for no more than {$50.00}. I want proof that I authorized this transaction. I never gave Bank of America or fierce technology permission to access my account nor withdraw funds from the account. I have filed an XXXX referral form, an ftc report, and I will be filing an intent to sue if this claim is not investigated properly. This is extremely unprofessional on behalf of Bank of America as now they are attempting to close my banking accounts from this incident as I am a victim of theft. These claims need to be investigated properly like they would do with a customer that has been with them as long as I have. Lastly I demand to know how they deemed I authorized these charges because I have not consented anyone to speak on my behalf let alone authorize charges to my savings account.
Consumer complaint received 2017-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Around XX/XX/XXXX. All my remaining derogatory accounts referencing my bankruptcy were purged. XXXX XXXX was the last one. All had exceeded the 7 year DOFD rule. about a month latter ( XX/XX/XXXX ) I noticed that this creditor had changed the information on an account previously listed in good standing to discharged in bankruptcy. This account had been listed as closed as of the day of my bankruptcy. In reality it was closed 5 years prior. Why did they suddenly start reporting this account back in XX/XX/XXXX. I now know. It seems that they were aware that that my accounts included in the bankruptcy were over 2 years old when I filed limiting their reporting to 5years. They hedged their reporting by letting this account sit idol until it was the only thing left. They then started reporting the bankruptcy on that account. Upon contact they admitted it was wrong and after more than 6 weeks latter issued a letter of correction but they have not stopped reporting this account as included in bankruptcy. It corrects then a week latter its back again. The problem is that every time it re reports. My credit score drops 50 points, as the bureau thinks its a new bankruptcy. They appear to be correcting it but its still going on 3 months later. I have sent the bureaus a copy of their correction letter but they fail to investigate and it keeps re reporting. XXXX XXXX says verified on XX/XX/XXXX. Equifax says verified on XX/XX/XXXX.