davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I have been receiving multiple calls a day on my home phone as well as on my cell phone, from morning to evening, from representatives of U.S.A.A. concerning an outstanding credit card debt of mines. The frequency of the calls has now become harassment. I started receiving frequent calls from this company months ago, I spoke with a representative from the company about my debt and explained that I was experiencing a financial hardship and would be making a small payment at that time, and that I would pay more on the debt as I was able to do so. I followed through with my promise to pay, but this did not stop the calls, within this last month I have been receiving multiple calls every three days  ... non stop ( morning to night ). Even after making payments, the calls still keep coming. Two weeks ago I made a substantial payment and I made another substantial payment on Friday, XX/XX/XXXX. However, Monday morning, XX/XX/XXXX, I received another call from U.S.A.A. requesting another payment, and each time that I do speak with a representative from U.S.A.A. I feel as though I am being integrated about why I am unable to pay, as well as pressured and coerced into making a payment. I expressed to the representative that I had just spoken with someone concerning this matter three days ago and that I had spoke to several representative prior to that time, and that my situation had not changed within the past three days. The representative then told me that it is their policy at U.S.A.A. to call the consumer every three days to collect on the debt. On Monday, XX/XX/XXXX the U.S.A.A. representative even went as far as to ask me ... Why I could no longer make consistent payments? If I received unemployment? If I could borrow the money from a family member, when I explained to her that I was currently out of work. And she then followed up by telling me that if she was unemployed what she would do in order to make the payment, which I found to be very discourteous, offensive, humiliating and insulting. I then told her that I would make a payment on this coming Friday, XX/XX/XXXX for the entire amount, just to end the phone conversation because I was so upset at this point. Today, XX/XX/XXXX like, as promised by the representative on XXXX XXXX, I received another call from a U.S.A.A. representative concerning the same debt, who once again began to harass me and pressure me into paying, even after I stated to the representative on XXXX XXXX that I would be making the payment in full on XX/XX/XXXX. I have since borrowed the money as instructed by the representative on XXXX XXXX and I will be making the payment in full on XX/XX/XXXX if everything goes as planned. But meanwhile, I want the harassment to stop and I wish for all communication with U.S.A.A. to be by letter form only.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT Ability XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is reporting on my Credit Reports and needs to delete immediately : Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX
Consumer complaint received 2017-08-17
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. (TX)

XXXX stated that they are not going to report any late deliquencies or repossession or collections or missing payments to XXXX, Equifax and XXXX because of my vehicle loan issues and disputes.
Also accommondate me on my XXXX XXXX under my ADA Disability Act Civil Rights.under the Department of Justice.
Is upon the discretion of a company management to report to credit reporting agencies and in good faith a full payment of {$880.00} was paid on XX/XX/XXXX on my birthday to accommondate the disputes of loan issues and interest rate of 17 %.
The full payment was debited from my XXXX XXXX XXXX  Checking account.
I can not afford to have bad credit and low scores because I am trying hard to find me a lender that will lower my monthly payments of $ XXXX- {$440.00} and high interest rate of 17 % with XXXX.
Is XXXX in Retaliation because I file various Federal Complaints and seeking to destroy my credit so I do n't have another lender?
I am XXXX XXXX and Retired.
Notice : My XXXX  Account Loan # XXXX XXXX XXXX XXXX XXXX Purchase on XX/XX/XXXX in XXXX, Texas while under Bankruptcy Chapter XXXX proceedings.
On XX/XX/XXXX I receive credit reporting Monitoring Alerts on 30 days late, Deliquencies, missed payments on my vehicle loan.
I am a Military Veteran, XXXX XXXX.
Consumer complaint received 2017-08-17
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. (MD)

I had a short sale due to financial difficulties back in XXXX 2015. XXXX XXXX XXXX XXXX was the first trust lender. IT was agreed upon that for the short sale to be approved, that settlement was to happen no later than XX/XX/15. ( actual settlement was XX/XX/15 ). The proceeds to be received by XXXX XXXX  from the sale must be greater than or equal to {$340000.00} ( which they received ) and a cash contribution on my behalf for {$6000.00} in certified funds ( which they received ). I have a signed letter from XXXX XXXX Mortgage loss prevention supervisor to reflect this and also a HUD 1 settlement sheet. I had my credit pulled this month and to my surprise a collection from XXXX XXXX showed up on my report in the amount of {$54000.00}! I have called numerous times and have been transferred to other departments. I had left messages with no avail. I need your help to have this updated and removed. Is n't a short sale taking less than what is owed? No they want me to pay them back over and above to what was agreed. This is predatory in it 's best nature. Thank you,
Consumer complaint received 2021-11-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Google Compare Credit Cards Inc. (CA)

Please refer to Complaint ID # XXXX and Complaint ID # XXXX for more information. 
In short, my XXXX account was hacked and subsequently was used to make unauthorized transactions on Google Play. 
Per Googles own instructions, upon the discovery of the fraud, I filled out their unauthorized transactions form, and deleted hacked XXXX account. 
Due to some miscommunication and time constraints because of prior commitments ( work ) on my part, it took some time to get a final response from the company : MY NAME, we've checked, and would like to inform you that based on our investigation, we won't be able to refund the transactions in your claim. We're sorry for any inconvenience this may cause. However, this decision is final. If you believe that you may have included the wrong transactions in your claim, you can check the list of transactions in your claim by returning to the " Report unauthorized charges '' form and entering your email and claim ID. You can then submit a new claim if necessary. We wouldn't be able to confirm if these purchases weren't made by you. 
This was their response after I provided original claim, bank statements, the email account in question.
Consumer complaint received 2017-08-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I have retained new copies of my credit reports, and noticed that Portfolio Recovery did not furnish the credit bureaus with the required disclosure, within the period required by law. 
The listed item is entirely inaccurate, and represents a very serious error in there reporting, also they have not presented me with my signature as proof of any contract with their company, as with many other consumers, we are pressured into paying collection agencies in order to maintain our good credit standings. This is a perfect example, as I was pressured to pay, as I didnt know what the Law was at the time, and in response to the threatening letter that I received. 
I have been in contact on numerous occasions, and they continue to be not responsive to my request to remove this entry from my report. My credit has suffered, with high interest rates, and recently rejected credit applications from banks because of this entry. 
Thank You
Consumer complaint received 2017-08-17
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: ACS Education Services (FL)

ACS/XXXX XXXX XXXX XXXX This is a education loan which was consolidated. It states on my credit reports it was paid but past due 90 days. I was never past due on this loan. I have four loans with ACS all of which were consolidated at the same time and this is the only one reporting inaccurate information. I started an investigation with ACS and they have not remedied the problem. This late reporting is inaccurate and I would like this corrected on my credit reporting and reported accurately with no late payments made.
Consumer complaint received 2017-08-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NJ)

Every year I apply for income based consolidation it takes forever, every time I call I get different information from different representatives that always contradict eachother. I was on an income based repayment for two years because I was informed that it was my best option for repayment. What was n't explained to me was that my income based payment each month only covered the interest that was accruing. I was paying for two years and my loan payment was not going down at all. I spent all of this time and money wasted and it was n't doing anything except benefiting the student loan company.
Consumer complaint received 2017-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX XXXX, 2017 I have received the letter from BOA which told me they closed my account due to 1. the account has been inactive 2. Derogatory public record or collection filed First, I tried to get credit report and score from XXXX XXXX. I even spent about 30 dollars to get credit score. The credit report was fine which had been reviewed by my accountant friend. And my score was above XXXX which I believe it 's excellent score. I admit I did n't use that card. But when I called back BOA, they tried to look at my credit, and still only got around XXXX score, which I did n't know why BOA saw different score as me. Does it mean " XXXX XXXX '' not reliable? The account still had around 120 dollars cash reward in there and I could n't get it back due to the account had been closed. I do n't care they closed my account, but I need my cash reward back.
Consumer complaint received 2021-11-30
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CO)

I sent 4 letters regarding my credit report to each bureau and to the collector themselves. XX/XX/2021 was the last one I sent. I haven't checked my credit in awhile prior and noticed a collections accounts ( XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX ) show up on my report. I've called them several times to dispute the wrong information being reported and I either get disconnected or the run around to figure out how this account is on my report. Every time I call in to explain that I've sent in my letters multiple times, the reply is they haven't gotten it. its been about 3 1/2 months since at least ONE response even after calling. I have no clue what else to do and I feel like there won't be a resolution because they keep saying they haven't received anything. This account needs to be removed because I am not liable for this debt nor do I owe anything on these accounts I've never had a contract with. The false information on my report is unfair. Please help me figure this out, I'm out of options and frustrated that its been almost 4 months now. These letters feel useless at this point and I've been spending extra money to have my letters overnight to each credit bureau and the collections agencies themselves. I understand that bureaus and collections agencies can make mistakes but it is very frustrating. I went as far as taking pictures of receipts and letters because they keep saying they haven't received anything. Please help me
Consumer complaint received 2017-08-17
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. (CA)

I have disputed inaccurate updates that XXXX/XXXX keeps reporting information as accurate as well as readding amounts already paid. As of today XXXX XXXX 2017 it was updated once again showing that it 's accurate that I owe {$700.00} balance. This account was paid off on XX/XX/2017, even prior to that the balance was less than {$700.00}.
Consumer complaint received 2017-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I had scheduled an ON TIME payment in full on their online banking before my XX/XX/XXXX due  date. However, before that date, I closed a checking account, which had nothing to do with my credit card, nevertheless, that apparently changed my relationship with the bank, which changed my " profile '' which then triggered them deleting my " pay from '' account associated with my credit card, which in turn deleted my ON TIME scheduled payment. On XX/XX/XXXX they assessed a {$25.00} late fee as a result and after two discussions with a CSR, they will not reverse the charge. I find this practice of a profile change that caused a deletion of a " pay from '' account malicious and intentionally coded into their system.
Consumer complaint received 2017-08-17
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: AES/PHEAA (FL)

To whom it may concern. I have been identified for another individual with the same name as me. I go by XXXX XXXX and I have been identified wrongfully and I am a victim of indentity theft. I have never signed any documents including student loans with Fed Loans Servicing oXXXX XXXX XXXX XXXX XXXX. I know for sure that my name is mixed up with another XXXX XXXX, I 've had problems with this before in elementary school and now. It is a frustrating situation to be indentified for accounts that I have never opened. I never attended any school. Please fix this problem. This is an ongoing problem and it needs to stop asap. All Fed Loan Servicing and XXXX XXXX XXXX XXXX are to be removed from my credit report. It was erased and placed back on my report and if it is n't removed for good I will have no patience or understanding and allow my lawyer to deal with you in a civil or federal court.
Consumer complaint received 2017-08-17
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: AES/PHEAA (FL)

To whom it may concern. I have been identified for another individual with the same name as me. I go by XXXX XXXX and I have been identified wrongfully and I am a victim of indentity theft. I have never signed any documents including student loans with Fed Loans Servicing or XXXX XXXX XXXX XXXX. I know for sure that my name is mixed up with another XXXX XXXX, I 've had problems with this before in elementary school and now. It is a frustrating situation to be indentified for accounts that I have never opened. I never attended any school. Please fix this problem. This is an ongoing problem and it needs to stop asap. All Fed Loan Servicing and XXXX XXXX XXXX XXXX are to be removed from my credit report. It was erased and placed back on my report and if it is n't removed for good I will have no patience or understanding and allow my lawyer to deal with you in a civil or federal court.
Consumer complaint received 2017-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (TX)

XXXX/XXXX/XXXX XXXX XXXX said I owed XXXX XXXX which I did n't once I proved I did n't owe the amount they sent the debt to another company ERC the amount is XXXX
Consumer complaint received 2017-08-17
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. (ND)

I 'm a victim of identity theft. The following XXXX credit card account is listed on my XXXX XXXX, Equifax and XXXX credit credit report and it 's a fraudulent and unauthorized account. I never applied for the following XXXX credit card account : XXXX. Someone stole my personal information and identity, and fraudulently applied for and used the above XXXX credit card account. The XXXX credit card account do n't belong to me, because I did n't apply for the account.
Consumer complaint received 2017-08-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

Navient is reporting a different amount owed on each credit report. Non of the balances are the same and they each differ some by over {$2000.00} in balance. I 've sent letters in the past asking them to correct the issues but the balances still remain uneven. XXXX just removed two of the loans but XXXX and XXXX has not.
Consumer complaint received 2021-01-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (NM)

Sallie Mae is the loan company, however XXXX XXXXXXXX XXXX is the school. Currently there is a open application with the Borrowers Defense ( US Department of Federal Student Loans ) for this student loan due to a school closure and the school making promises to me in which they did not fulfill but still want me to pay. XX/XX/2021 when contacting Sallie Mae the company stated it is not their problem the school closed nor does it matter I have a approved forbearance with US Dept. of Fed. When contacting the Borrowers Defense they have all student loans on forbearance. Sallie Mae continues to be harassing and does not take into account the forbearance currently on file.
Consumer complaint received 2017-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have been asking the credit bureaus to fix my credit report for over 6 months now. They have my birthdate wrong and accounts on my file that are not mine. All of the bureaus have been notified and still nothing. They WILL NOT CHANGE MY BDATE.
Also they are showing 2 accounts from national credit adjusters that are not mine and a bankruptcy on experian. I have had a issue with id theft and these are just not my accounts
Consumer complaint received 2021-01-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (VA)

I had a recent transaction as a seller on XXXX where I explicitly said the item is local pickup only. An out of state buyer knowing this ( sent email before hand ) bought the item, sent no money for shipping. The buyer paid {$270.00} after taxes. I obviously needed to cancel this listing. However, paypal immediately took their ~ {$8.00} fee when the buyer paid and taxes. Leaving about {$250.00} in my paypal account. If I wanted to refund the buyer, paypal said I would 'need to go in the negative ' as the paypal fee can't be refunded. XXXX support told a similar story and said the only recourse will be for me to refund the {$260.00} and me lose my {$8.00}. As of XX/XX/XXXX  paypal refunded the buyer {$260.00} dollars and hence I lost {$8.00} since they did not refund my {$8.00} paypal fee. 

I don't know how this is legal that paypal keeps their fees for someone buying something willingly disregarding my listing stipulation ( no shipping ). Hence, the seller automatically loses money if a refund needs to be made. Paypal needs to have their fee be refundable if the buyer willingly acted in bad faith. My transaction was XXXX ID XXXX Paypal transaction ID XXXX