davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (WV)

Hello, I submitted a report on XXXX ( complaint ref # XXXX ) about XXXX student loan otherwise known as XXXX XXXX XXXX ( XXXX ) about reducing my student loans. Recently, I was awarded a short-term payment for XXXX for three months. When I agreed to the short-term agreement terms I was informed by an XXXX representative that I could apply for a long term agreement, which I did. Furthermore, I was awarded the long-term agreement on XXXX, but I was only awarded for XXXX of my loans and not the other XXXX due to my cosigner income. 

To be awarded for the long-term agreement, I submitted documents that show proof of income along with my co-signer and other documents to complete the application. As a result, XXXX granted long term agreements on XXXX of my loans because I did not have a cosigner on the loans. Based on that information, XXXX determined I did not make enough money for the current payment and awarded me the agreement. However, I was denied the long term agreement on my other XXXX loans due to my cosigner, because as the XXXX representative stated " both of our incomes were combined and was determined that we made to much money. '' From my research, social security is unearned income stated, in ( 42 U.S. Code 1382a - Income ; earned and unearned income defined ; exclusions from income XXXX ) and I believe that should n't be applied as a determining factor in my case. When I was granted the short-term agreement I did not have to provide my co-signer income nor his signature to be place on a short term agreement. The short-term agreement applied to all my loans without the use of my cosigner unearned income information nor signature for the approval. 

The information I submitted to XXXX for the Long-Term Agreement had my cosigner income information on the documents that I submitted, but it clearly states social security not source of income due to retirement. I even submitted my co-signer information from the Social Security Office, which states his monthly payments. 

Now, XXXX have decided to use my co-signer information against to increase my payment to XXXX a month, which is only a {$120.00} dollar difference from {$510.00} which I was paying before XXXX. 

I am paying my loans by myself, my cosigner is not paying on any of my loans. Also, I am not delinquent on any of my loans and it 's going to continue to stay that way. I am just asking for fairness and consistency from XXXX. 

Please, can you help me.
Consumer complaint received 2016-02-18
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (TX)

We booked a stay with a resort in XXXX that gave a quote in US dollars and all terms and conditions were provided in US dollars. Once we arrived at the hotel, they would n't honor the US dollar rate and would only process the transaction in the pesos. This led to both a higher than quoted rate as well as an additional foreign transaction fee which Chase has been unsupportive in resolving.
Consumer complaint received 2015-11-18
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (TX)

My family,XXXX, all filed with the XXXX credit reporting agencies at the same time for a credit report. The others in my family got all XXXX credit reports. I got XXXX reports. Equifax refuses to send me my credit report. I have contacted them more than once. They state they want photocopies of such things as my drivers licence etc. The other XXXX agencies gave me my report. Equifax has some sort of credit report on me, but refuses to let me see it.
Consumer complaint received 2015-11-11
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: National Budget Planners of South Florida, Inc (TX)

I was contacted by a company who claimed to be consolidating my student loans. This company claimed to be working on my loans which were previously handled by XXXX XXXX and transferred to XXXX. To my knowledge it was explained to me that they were handling the consolidation as a third party through XXXX. This company was the XXXX of XXXX separate companies claiming to consolidate my student loans. They scammed me out of {$510.00}. The Name of the company is National Budget Planners.
Consumer complaint received 2015-10-07
Product: Bank account or service — (CD) Certificate of deposit
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (TX)

On XXXX XXXX 2015 I went to Chase bank at XXXX XXXX XXXX XXXX, mi. I used the Chase ATM XXXX XXXX ). I deposited {$2400.00} into the ATM and an error appeared on the screen. A receipt was printed out stating " The ATM has experienced a problem. To confirm that your deposit was completed properly contact a Chase Representative or call us at XXXX. I called and gave them the information on the receipt and was told I 'd be credited the amount in 12 hours. I called the next day and I was told it should be credited by XXXX. No credit so I called the next morning and was told to wait 24 to 48 hours for the credit. Than Monday XXXX XXXX I called again and was told due to my account not being open that long it required further investigation to credit my account. I was told I should know something by Wednesday. By this time I had already returned to the bank only to see that the machine had been fixed and people were using it despite my problem still not being solved. I called Wednesday XXXX XXXX and was told the investigation found that there was no overage in the atm and that my claim was denied. I then told the rep that I have a receipt stating clearly that I made a deposit and that surveillance will show that I put cash into the ATM and that none of this makes any logical sense. I asked to speak to a manager or supervisor and he replied none are available but he can transfer me to a specialist. After speaking with the specialist who was very rude and carried a condescending tone. He told me I was not protected under the Regulation E act. I requested a manager and he then placed me on hold and said none are available and repeated there 's nothing they can do and do I have any more questions for him. I am very upset and feel unprotected as a consumer. I am a single mother I ca n't afford for my money just to be taking away from me.
Consumer complaint received 2016-10-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MO)

I have XXXX credit accounts showing on my credit report for XXXX and XXXX. I do not know what these accounts are and I did not use either of these accounts. I have tried to contact both credit companies and could not get any questions answered. My credit report is showing as an authorized user on both these accounts. I did not consent to being added on either of these accounts nor did i use them.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Equitable Acceptance Corp (IL)

I used Equitable Acceptance Corporation to consolidate my federal student loans and apply for income-driven repayment. The company misled me into making monthly payments directly to them, saying the payments were going towards my student loans. Additionally, this " loan '' from Equitable Acceptance Corp. is being listed on my credit reports as a Credit Card. There services are false, misleading and a scam.
Consumer complaint received 2016-11-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MD)

I use a credit monitoring service and was notified today of a collection account that is not mine. I believe this is fraud. They have a collection of {$860.00} that I absolutely do not own, and never had any dealings with this company. It states the original creditor is XXXX XXXX XXXX - who I also have no dealings with. This is a scam.
Consumer complaint received 2018-07-20
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. (PA)

I am disputing with Trans Union the following Unauthorized / Unknown collection account that showed up on my credit report. I have already have an extended fraud alert placed on my Trans Union Credit report so there should be no excuse as to why this  collection account unknowingly hit my report without my consent of proving the account belongs to me. This account reporting to my credit report go against the Fair Credit Reporting Act and is affecting my ability to hold a job and get approved for a home mortage. I have also reached out to the collection agency and have attached a filed Identify Theft Police Report to this compliant in order to get this issue resolved in a timely fashion. Below are the reporting Inquiries that should be Removed / Deleted from my Trans Union credit report. Should you need any additional information please let me know.

Reporting Collection Account : 1 ) XXXX XXXX XXXX XXXX Account # : XXXX Account Status : Open Payment Status : Unknown Balance : {$2600.00} Trans Union Attn : IDENTITY THEFT DEPARTMENT XXXX XXXX XXXX XXXX   XXXX, PA. XXXX
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Subject : Request to Block Fraudulent Information Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear Credit Bureau Name , I am filing this CFPB complaint to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you block all information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 

The fraudulent, inaccurate, and false information includes the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$510.00} XXXX XXXX XXXX Date Fraud Began : XX/XX/XXXX Balance : {$800.00} XXXX XXXX Date Fraud Began : XX/XX/XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX 
Date Fraud Began : XX/XX/XXXX Total Fraudulent Amount : {$600.00} XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Total Fraudulent Amount : {$680.00} XXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX Total Fraudulent Amount : {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Total Fraudulent Amount : {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Fraud Began : XX/XX/XXXX Total Fraudulent Amount : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Total Fraudulent Amount : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$24000.00} These accounts have resulted in multiple fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I do not recognize any of the aforementioned accounts or collections, as they were not opened, made, or initiated by me. All listed accounts and inquiries are a result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-12-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (VA)

XXXX mortgage company has reported that the mortgage on our home is " due '' and delinquent for {$990000.00} -- - which is the mortgage on our home. We have a 15 year mortgage with this loan. We have been in dispute with the mortgage company for over a year now because the mortgage company has " misapplied '' funds that we paid into the mortgage and first placed them in " unapplied funds '' and then placed them in principle when they should have been placed in " escrow '' to pay the taxes. It has all been documented and shows how we have paid our mortgage " on time '' every month but when the money was received, it was applied to the wrong area. In the meanwhile, the escrow account was deficient by the same or similar amount as the " unapplied funds '' had overage. The credit report should have looked at the account before reporting that such a large debt was due. My personal credit AND my business credit is so low that I was not even able to apply for a business car loan. My past credit scores have always been in the XXXX 's and XXXX 's. This is not " usual '' of my character to have a " ding '' on my credit like this. Since the credit scores went so low, my business is unable to be approved by XXXX separate government contracts. Thus, I have been personally and financially harmed from the credit bureau 's lack of adequate review into my credit history.
Consumer complaint received 2016-09-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

I open a secured credit card with XXXX XXXX Bank XXXX of the XXXX XXXX. I loaded my money onto the card paid my bills. I never received a statement in the mail on how much was my bill for the next month. When I checked my credit report I see that Equifax lowered my credit score by XXXX points. For a late payment that was never late in fact XXXX XXXX bank took the {$25.00} dollar late payment off my statement because of the mistake of never sending me my statement. I would like for Equifax to give back my XXXX points because I was not at fault. I am providing the statement so Equifax can see for themselves and make the change on my credit report. This happen on XXXX you will see the Refund of Late Fees on this report. To prove that there was nothing at fault on my behalf.
Consumer complaint received 2015-09-30
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: JPMORGAN CHASE & CO. (CA)

I wanted to transfer {$73000.00} XXXX to my dad 's bank account in XXXX from XXXX. I went to the JP Morgan Chase branch and gave them the instructions printed from the receiving banks website ( XXXX Bank ), which are also attached with this complaint. The money was suppose to go through XXXX Bank XXXX. Transfer was done on XXXX XXXX. The money did not get transferred by the XXXX so I kept calling JP Morgan Chase to find out what was going on ... they kep saying I have to wait for 5 business days. Finally on the XXXX XXXX they said it was rejected by XXXX bank in XXXX for insufficient credit details. I requested the money to be refunded back. Since the XXXX I have been requesting my money back and they reply to me saying XXXX bank is not responding to their request for returning the money. Today is the XXXX of XXXX and my money is still not returned to it. JP Morgan Chase is not escalating the issue with XXXX Bank and I do n't know what else to do to get my money returned back to me.
Consumer complaint received 2016-09-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (DC)

PennyMac adds new costs and requirements to the loan at will. When questioned, they say they will fix the matter, but it is not fixed. They have bullied my family regarding increased payments, addition of escrow items including both insurance and property tax, both of which I have paid out of pocket for years. I had finally gotten them to remove the insurance item last year XXXX XXXX. My Insurance company went to great lengths to make this happen. But several months later, they had added another escrow item ( property tax ) to the mortgage with demands that I pay. They are now threatening foreclosure on a loan that has never had a missed payments, nor late payment. I spent hours on the phone with their escrow department in XXXX XXXX, and it was going to take the better part of a week to fix the escrow issue. I was advised to make an extra payment to ensure that I was not foreclosed on while waiting on this escrow fix. Well they got the extra payment out of me, adjusted my payment up. And the foreclosure notices continue to arrive. I am not happy with a company holding our mortgage making indiscriminate changes to the amounts to be billed each month. It is truly a travesty. It is defintely immoral and probably illegal.
Consumer complaint received 2015-07-30
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (NJ)

I was a victim of identity theft. Someone tried to apply for an Exxon Card in my name. When I noticed the inquiry on my credit file I notified Exxon thru certified mail of this discrepancy. They ignored my request. It has been over 30 days and they still refuse to remove this inquiry from my credit file. I have no open accounts with Exxon.
Consumer complaint received 2016-07-29
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ZENCO COLLECTION, LLC (TX)

I received a call on XXXX/XXXX/XXXX at XXXX in the morning from Zenco Collections XXXX XXXX XXXX XXXX , TX XXXX on a auto loan incurred in XXXX, with a remaining balance plus interest incurred after the vehicle was surrendered back to the finance company in XXXX, XXXX being 90 days past due payment. At that point I had been laid off from my job and could not meet this obligation on unemployment insurance. At the time I surrendered the vehicle, I was unable to attend my father 's funeral for lack of funds. 
This morning I was threatened with wage garnishment, legal action to seizure of assets, and potential incarceration unless I agreed to immediate payment of {$2000.00} or a minimum payment schedule of {$50.00} per month to pay off the debt. While I agreed to this since I have no means to defend myself in court and I was under pressure by their threats, I explained to them that I was currently on half-hours in employment and having trouble covering food, shelter and daily expenses. My wife retired prior to my hours being reduced and is on a fixed income. I have been putting off medical and dental work because I am unable to afford the deductible/copayments at this time. They insisted that I MUST give them an answer at this moment or face legal action. 
After Checking about dedt collection and finding that the debt was beyond 4 year Statute of limitations. I contacting the States Attorney for Consumer Affairs. I cancelled the debit card that I had given to these people, understanding that the debt itself was past collection limit, and that the pressure used was unethical and unfair.
Consumer complaint received 2018-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CT)

I recently used Experian to check my credit score. It claimed to have a free credit check and then didnt include the actual credit score. That was for an additional {$1.00}. I signed up for it, without it being clearly marked that it would be {$19.00} + tax after 7 days. I called them and they claimed it wasnt fine print, but I find it unclear and false advertising for receiving a free credit score. This happened on Tuesday, XX/XX/XXXX, and my credit card was charged {$21.00} the week following. They took advantage of me thinking it was a free credit report. My husbands financial advisor recommended them, and I feel theyre taking advantage of individuals who are simply curious about their credit score.
Consumer complaint received 2018-07-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NC)

In mid XX/XX/XXXX, I contacted Navient to ask about a XXXX waiver on the student loans on which I was a cosigner. On the XXXX, I received a letter of instruction on to apply for " Navient private student loan '' XXXX waiver. On XX/XX/XXXX I submitted the Navient Private Loan Total ans XXXX XXXX Request form along with 60 pages of supporting documents. I received an " upload successful '' message. On XX/XX/XXXX I received a letter dated XX/XX/XXXX from the Office of the Cosumer Advocate stated that " this review is not available for cosigners ''. I called on XXXX and left a message because I had questions. I then called 10 more times before the advocate called me on XX/XX/XXXX. At that time I was told " I didn't qualify because this was a private loan and only federally subsidized loans would qualify for a XXXX waiver ". The letter on XX/XX/XXXX reads Navient Private Loan, the form to request a XXXX waiver reads Navient Private Loan. Navient just changed the reason each time. I then asked for all the original loan documents along with Navient 's cosigner XXXX waiver documentation or any documentation about my repayment rights as a cosigner. On XX/XX/XXXX U received the loans documents but no information about my rights as a cosigner. I have also called the XXXX department but after leaving 10 messages I have received no response. The reason I have applied for a XXXX waiver is that my daughter XXXX can not make her payments so as a cosigner I am now responsible to make the payments. My other XXXX daughters have submitted requests to release me as a cosigner multiple times ( XXXX has submitted the paperwork 4 times ) Even though they have met the requirement of making 12 consecutive on time payments, Navient has denied their requests.