davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CO)

On XX/XX/2020, I submitted a future payment with FedLoan for my student loans in the amount of {$2100.00} that was to be withdrawn on XX/XX/2020, and was allocated to specific student loans. I did not receive an email confirmation as I always have on every non-automatic payment I have submitted. On XX/XX/2020, I logged in as the funds had not been withdrawn from my account and I was unable to find a pending payment for the {$2100.00}. Since I was not able to locate the payment I submitted a payment request on XX/XX/2020, for {$2000.00} with the funds allocating to the same student loans as the XX/XX/2020 payment was to. I did receive an email confirmation for the XX/XX/2020 payment. 

On XX/XX/2020, I logged in to see that the {$2000.00} payment was now showing as complete and was processed and the XX/XX/2020 payment was pending. Having both payments processed was going to overdraft my bank account by over {$2000.00} and would have overpaid the four loans ' entire balance by {$1900.00}. I spoke to a Fed loan employee on the chat, another on the phone, and a supervisor. I asked to stop the {$2000.00} payment but they informed me that I would need to go through my bank, XXXX. My bank also said they could not stop it. 

On XX/XX/2020 I logged into my account to see that the four loans were now at a negative balance as they had been overpaid by {$1900.00}. I called FedLoan and spoke to XXXX, Fedloan # XXXX, and I explained the situation. He informed me that the {$1900.00} would be returned to my bank account within 7 days and they always return funds unless it is less than {$5.00} If the overpayment is less than {$5.00} they keep the money. I asked for an email verification regarding this and he told me he would put a request in and I would receive an email within 2 days. 

I have not received the email as of today, XX/XX/2020. I logged into Fedloan and I see that the funds were not returned to me but applied to my other Fedloans, without my discretion on what amounts and what loans. I did an online chat with Fedloans and asked about the information I was given from XXXX and the promise of the email. I was told that XXXX did not provide the correct information and that the email would take 7 to 10 days but is now invalid. 

Starting with the fact that there was an error on Fedloan that failed to send me the payment confirmation for the XX/XX/XXXX payment or show it on my account as even pending as of XX/XX/2020, and the chain of misinformation I received following that I am very frustrated and concerned as a consumer trying to pay off my student loans. Not to mention I am now {$2000.00} over drafted in my checking account due to this error. I hope that the CDPB can look further into this as this is a hardship for me and I fear I am not the only person that has experienced this.
Consumer complaint received 2020-05-29
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: DISCOVER BANK (TX)

XXXX- Disputed Discover incorrect last date of activity of XX/XX/XXXX with 3 credit bureaus Last date of activity was XXXX/XXXX  XXXX. There is no way it could have been any later than this, because I was XXXX  XX/XX/XXXX-XX/XX/XXXXOn or about XXXX- responses from credit bureaus did not have any information about how they concluded the information was correct. 

XX/XX/XXXX, XX/XX/XXXX- Contacted Discover to address the error. 
They confirmed there was a credit of {$2.00} which was given on their part, but the rep could not explain what this was for. However, it was not a payment on my part. 

XXXX- Discover Last date of activity XX/XX/XXXX. 

Therefore, both Discover and Credit bureaus are in violation of Fair Credit Reporting. Act.
Consumer complaint received 2020-05-21
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. (GA)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasnt approved so it prompt me to check my credit report. These items listed are not mine and need to be removed.
Consumer complaint received 2020-06-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (IL)

I received a email that my credit score went down and they found an open account. Someone recently opened a XXXX  account owing {$4000.00}. I never opened a XXXX  I only had XXXX  XXXX and just opened a XXXX acct. I tried to dispute the error but they said the information is correct. Some one used my ssn in XX/XX/XXXXto buy stuff with XXXX  its false and Im not paying {$4000.00} for something I didnt do! Who ever looked at my dispute need to look again anything I opened will be on my credit but XXXX  no it wasnt me.
Consumer complaint received 2020-05-29
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: FISERV INC. (PA)

The IRS signed me up for debit card with no customer service option. There is no agreement for fee terms by me but I am forced to accept as there are no menu options to refused and request a check. IRS site also has no options. The call number is XXXX with Money Network Financial LLC. I called three times to make and attempt to find customer service as mentioned in their acceptance of terms. 

There are hidden terms on cashing money and I do not want this card. There is no option to cancel or refuse the card. 

I'm complaining to my congressman next. 

Forcing commercial terms and fees on taxpayers to receive a government stimulus is ridiculous.
Consumer complaint received 2018-09-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (FL)

After refinancing my mortgage in XX/XX/XXXX with the company, I was making payments that should have been escrowed for taxes and insurance. Unfortunately they did not set up the escrow account. I had no knowledge of this until XX/XX/XXXXafter my had had suffered damages from hurricane Irma. When I called my insurance carrier they said I did not pay the premiums and therefore I am not covered. I immediately contacted my mortgage company the agent that wrote the policy and my mortgage broker. The employees of my mortgage company tried to tell me o was responsible for the house not being insured. I continue calling them until I found someone XXXX XXXX who was willing to listen and research what had happened. 
Because the house was not insured, the mortgage company placed a forced placed policy on the house that had a ticket price of over {$8100.00}. I continued calling my mortgage company and had no success. After much research into the company I was able to find the names and email address of management and emailed them and the consumer ombudsman. I decided to email them of my problem. Two months later in XX/XX/XXXX I received a call from an XXXX XXXX who identified himself as the owner of the company. I was also in communication with an XXXX XXXX. I was told that I should not be held responsible for the lack of action on the part of the company and would not be responsible for paying the forced placed policy. I was billed for over {$6700.00} putting my escrow account in the negative as a result. The mortgage company had scheduled an assessment of my damages and it came up to {$10000.00} and change. After numerous emails and phone calls to the mortgage company I got them to agree to give me the difference of what my deductible and the $ XXXXso I can get the repairs done and secure my own insurance. The approval of the checks took months, thus delaying the repairs and my ability to secure insurance so the forced place policy that did not cover me and my belongings could be removed. They sent the check in XX/XX/XXXX for a little over {$3100.00} I worked with a general contractor for the repairs done and obtained insurance in XX/XX/XXXX. I do not think it is fair that I should pay the {$6700.00} and change for the premium since they initially agreeed it was their mistake. And now I am in touch with XXXX XXXX and she said that was never agreement made. She is claiming the {$3100.00} check was to help with insurance when that was solely for the claim that was processed for the repairs. I told her if my original policy would have been a set amount I understand I needed to pay that bill me for that but the mortgage company need to own their part in the fiasco. I should not pay for their mistake. I would like a refund for the forced placed policy.
Consumer complaint received 2018-09-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc. (TX)

I became aware of this collect account upon reviewing my credit report I was never notified from the company about an owed balance. I did contact the creditor by certified mail to inquire how the debt was acquired and request proof that I was indeed the responsible party for the balance in question. In response to my letter I received a billing statement from Credit Systems International with a billing statement that included two charges ; {$8.00} transfer fee and also a {$6.00} transfer fee totaling the {$14.00}. Included in the the cover letter there is a doctor 's name that I have never been a patient of, I've had the same physician since I was a child. I hope that with this complaint I will be assisted with removing this false account from my credit report.
Consumer complaint received 2020-05-29
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: JPMORGAN CHASE & CO. (FL)

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (AZ)

Thanks for your help in getting this resolved. My credit report is 100 % unblemished aside from this dispute. Nelnet has elected to destroy my credit rating over a {$150.00} loan payment from XXXX, XXXX that should have been in forbearance since XXXX XXXX. 

I have repeatedly and sincerely asked Nelnet to please update the payment status of my loans from XXXX, XXXX in their records, and to the credit reporting agencies, as on-time or some other non-negative status. They have repeatedly sent me conflicting reasons, denials, and excuses for not updating my payment statuses, of which I have documentation. 

My student loan payments with Nelnet were supposed to be on an income driven payment plan as I re-certified this plan in XXXX XXXX, I have ample documentation of my efforts to re-certify from the time. I mailed in all the necessary documents just like I did in XXXX and Nelnet never processed my paperwork. The payment amount was supposed to be XXXX. I mailed in documents after submitting my application. Instead of processing my forbearance plan, they began billing me without my knowledge. I do not understand, and still have not been given a reason, why my paperwork was not handled in XXXX, even though I had no issues in XXXX. My sense is they lost my application and are now refusing to take responsibility while simultaneously accusing me of not paying my loans. I absolutely take responsibility for my loans and would never have knowingly paid them late and I 100 % dispute the characterization of my payments as late. 

Nelnet reported me to credit agencies without properly informing me that I was being billed or that my repayment plan application was rejected. I paid the due payment the moment I knew about it and now I just want the record to show I was NOT paying late ; I didn't know I had a bill due and would never have waited to pay. 

I am sincerely asking you guys to please help force Nelnet to update the payment status of my loans from XXXX, XXXX in their records, AND to the credit reporting agencies, as on-time or some other non-negative status. I paid the due amount the moment I learned about it and have made no other errors with these loans throughout the 6 year life of these loans. I'm am traumatized that I would be treated like this after all my good faith actions and patience in trying to get this resolved. 

Attached supporting documents are chronological receipts of actions from XXXX XXXX that I followed to a " t '' to complete my re-certification plan. I did everything necessary and was never sent any indication that my plan was not accepted. 

Please let me know anything you need to get this fixed. I appreciate you guys handling my request.
Consumer complaint received 2020-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (GA)

i tried to pay my bill a couple of times but it was a glitch in the computer and it mark me down late twice on two different accounts and i paid the card down to 3 % and im am current now and need them to remove the late payments
Consumer complaint received 2020-05-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IL)

Loan was initiated with Navient XX/XX/2006in the amount of {$25000.00}. I have been paying on this loan since that time and my principal balance is {$16000.00}. I have been told that I have paid {$17000.00} in interest and interest paid in 2019 was a little over {$1000.00}. Based on my payments and interest rate of 6.125 that calculates out to almost 50 % interest. Navient will not provide a full summary of my account showing payment made, interest charged and principal applied. I have further been advised that it will take me an additional eight years to pay off the remaining {$16000.00}. I applied for an income driven programAnd not only was I denied but my payment amount was increased.
Consumer complaint received 2024-09-24
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (VA)

Company promised a refund of the travel insurance when I cancelled within the timeframe. Evidence is shown in the screenshot and XXXX that a refund is due to me. 
The total amount paid was {$450.00}, which includes {$370.00} for insurance and {$72.00} for assistance servicesgiving access to their global team of experts that can help with travel-related emergencies. I was only refunded for {$72.00} and not the entire amount. I explained this to Capital One but they refused to further investigate after sending in evidence of my cancellation attempts. Dispute number is XXXX
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (CA)

I am writing to file a formal complaint against XXXX for failing to remove fraudulent accounts from my credit report, despite being advised that these accounts are the result of identity theft. This failure violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The accounts are listed below XXXX XXXX XXXX As required by the FCRA, XXXX is obligated to conduct a reasonable investigation when a consumer disputes information on their credit report. However, they have failed to do so in this instance, continuing to report accounts that are fraudulent. In addition, under the FDCPA, I have the right to request verification of the debt, which XXXX has not provided in a timely or adequate manner. 

To resolve this issue, I am formally requesting that XXXX provide, within 15 days, the following : XXXX. The name of the person spoken to regarding this matter. 
XXXX. All documentation used during the investigation. 
XXXX. A copy of any signed application with a wet signature associated with these fraudulent accounts. 

I want to be clear that I am not requesting an XXXX  or automated response. If XXXX can not provide this documentation, these items must be immediately removed from my credit report, as they are in violation of both the FCRA ( 15 U.S.C. 1681i ) and FDCPA ( 15 U.S.C. 1692g ).

Failure to comply will result in further legal action to protect my rights as a consumer. I appreciate your prompt attention to this matter and look forward to a resolution.
Consumer complaint received 2020-05-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Built Homes LLC (TX)

On XX/XX/XXXX a mortgage agreement was made for {$190000.00} between myself and United Built Homes, L.L.C as both the lender and the seller of a home in XXXX XXXX, TX. In this agreement no prepayment penalty was disclosed. A simultaneous agreement was entered to build the aforementioned home that included the seller providing a proper survey and permitting according to local law and jurisdictions ( XXXX XXXX ). This loan agreement at 6.97 % is well above the current market interest rate. Beginning in early XX/XX/XXXX, I have been attempting to refinance the mortgage with United Built Homes L.L.C. I can not refinance my mortgage into a more suitable interest rate because United Built Homes L.L.C refuses to provide a proper survey and permitting ( that is owed to me according to my original agreement ) that will allow me obtain an address for the home and thus allow another lender to provide a mortgage. Not only is the home unlivable, but United Built refuses to allow me to refinance out of their mortgage. 

When raising my concern with the mortgage servicing department, the associate refused to escalate my situation to the Office of the President much less his manager and advised I must pay the mortgage and it's my responsibility to figure out a way to refinance ; before hanging up on me. I have also requested reimbursement for the interest expense that I have occurred due to the lenders mistakes and lack of response to fix the issue. This too was denied.
Consumer complaint received 2018-09-25
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. (NY)

On XX/XX/2018 i obtained my Equifax credit report. When I received it I noticed that I had 17 negative accounts and 43 inquiries reporting to my credit report of which none of them I recognize. 

Most of the collection accounts are from a company called XXXX XXXX XXXX representing various creditors, none of whom I have never done business with. Another collection account is from XXXX XXXX of whom I have never done business with either.
Consumer complaint received 2024-09-20
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (CA)

There was a {$72.00} XXXX XXXX transaction on my Capital One account from XX/XX/2022 that I did not authorize. The transaction was from XXXX. I checked my XXXX account and the transaction was not listed. I emailed XXXX and XXXX confirmed that the transaction does not appear in my transaction history. Capital One will not void the transaction even though I have proof that I did not authorize it.
Consumer complaint received 2018-09-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing concerning my request that the accounts placed in collection, on my credit WERE NOT properly investigated or removed. Under the Fair Debt Collections Practices Act ( FDCPA ), this is not a request for validation. The request for a block of the listed accounts in my affidavit according to Section code 605 Block of information resulting from identity theft ( 15 U.S.C.1 681 c-2 ) should have been removed with in 4 days from the day of receipt of my affidavit per Trans Union XXXX and XXXX investigation.
Consumer complaint received 2021-02-18
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. (NY)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$580.00}, {$450.00}, {$15000.00}, {$0.00}, {$280.00}, {$4400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$580.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

-- AUTO LOAN OR LEASE 4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$280.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account.