davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (UNITED STATES MINOR OUTLYING ISLANDS)

All of my original loans for XXXX school were obtained under the FFEL loan program. When completing my XXXX XXXX, the Public Service Loan Forgiveness program became available. I began repayment in XX/XX/XXXX under the impression from Great Lakes that I would qualify for PSLF, so I make career plans to work in XXXX in an academic setting,  balancing the lower pay with the opportunity for forgiveness. I contacted Great Lakes annually for Income Based Repayment ( which then became Income Driven Repayment ) qualification, a requirement for loan forgiveness, each year confirming that my loans would qualify for PSLF and I received confirmation each year from Great Lakes that my loans would qualify. Unknown to me, the federal requirements for PSLF changed in XX/XX/XXXX to require all loans to be Direct and serviced by XXXX XXXX. Had Great Lakes let me know I would have consolidated my loans in XX/XX/XXXX and completed payments. Instead, working under the impression given me by Great Lakes that my loan payments qualified for PSLF, I continued making monthly payments. This spring I checked in again with Great Lakes knowing my 120 payments would be complete soon after 10 years of payments. For the first time in 9 years of yearly checking with Great Lakes I was informed that none of my loans qualify and I am left having made minimal payments on my loans under Income Driven Repayment, accruing increased interest and leaving me with 6 more years of loan repayment, and no hope of loan forgiveness. I love my job but my financial plans are turned upside down because of the repeated and consistently bad advice I received from Great  Lakes. I have no way to know if the bad advice I received was intentional or simply benign neglect, but there is no doubt that Great Lakes received more income due to my intelligibility for forgiveness than if they had give me the information i needed to stay on track for forgiveness. I now have {$100000.00} in remaining payments that I never expected to pay.
Consumer complaint received 2018-06-21
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. (OH)

I have submitted an identity theft report and the FCRA 605b ( 15 U.S.C. 1681c-2 )  statement to have an account from XXXX removed and the account was not removed. The FCRA 605b ( 15 U.S.C. 1681c-2 ) states that : a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. This was not done. They just did they regular dispute process and they did not remove the account.
Consumer complaint received 2023-08-14
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Account Name : XXXX, Account Number : XXXX, has violated my rights. 
Account Name : XXXX XXXX, Account Number : XXXX, has violated my rights. 
Account Name : XXXX XXXX XXXX, Account Number : XXXX, has violated my rights. 
Account Name : XXXX XXXX XXXX, Account Number : 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 9A ) ( 10 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Experian, XXXX, and XXXX are report some or all of these accounts inaccurately. These inaccurate accounts are preventing me from obtaining a XXXX XXXX clearance, purchase a new vehicle so I can travel, credit cards, and the ability to obtain employment. Over XXXX credit disputes have been filed with Experian, XXXX, and XXXX in an effort to resolve this situation. 

XXXX XXXX XXXX Account Number : XXXX information being reported by Experian does not match the information being reported by XXXX and XXXX. No late payments are listed by XXXX or XXXX. Experian shows multiple late payments. The account was closed because XXXX XXXX purchased XXXX XXXX XXXX. We have not been late on mortgage payments.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MD)

My bank ( XXXX XXXX ) is not reporting my mortgage payments to any of the 3 credit bureaus. I called several times, each time i was told to get reaffirmation letter, i called several attorneys for legal advice and i was told its too old to get reaffirmation letter, i filled XXXX XXXX  in 2014, bank is asking letter from that 2014 XXXX XXXX case, i only need bank to report my payments to all 3 credit bureaus. 
My loan was transfered from XXXX XXXX XXXX  to XXXX XXXX more then 2 years ago. 
Thanks
Consumer complaint received 2018-06-22
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A. (OK)

Our mortgage is with PNC Mortgage. It was previously XXXX XXXX and since PNC took over we have had nothing but problems with PNC. We show a 30 and 60 day late payment for XX/XX/XXXX and XX/XX/2017. There were many things that occured that caused these to be late. First we thought we were set up for automatic payments online but their payment system did not work properly. When we were notified ( finally after 2 weeks ), we tried to make the payment online as a one-time payment. Again it looked like it went through from our end but it didn't work. After more than a week we found out it didn't go through again because of PNC 's faulty payment system. We decided to mail a check for the payment. After several days we got the payment back as underliverable. I noticed the statements they mailed us had a different address then the payment book. The payment book also had the wrong amount of it. Now we were having to play catch up because we had more than one payment that didn't make it. We thought the money had already come out of our account and we didn't check our bank statement. Once we found out that we were behind 2 payments we had to take a loan out on my husbands retirement. It took a while to come in but as soon as it did we got all caught up. This was the only time we have been late. We have disputed this with the credit bureau 's and with PNC and have gotten no where. While we should have checked our bank statement this should never have happened. Their online payment system is truly faulty and this is not our fault. In addition to the issue discribed above, their payment system doesn't even allow you to pay online if it is after the XXXX of the month. This makes it really hard to get them payments. We also believe that having more than one address ( statement address vs payment book ) is ridiculous and our payment should not have been sent back. We are trying to remortgage our house to include a balloon payment due mid XX/XX/XXXX that the previous owner of the house took out to assist us in the purchase of our home. These late payments are keeping us from doing this. We need to be able to remortgage to pay off the other loan. We have hit nothing but road blocks from PNC. We even contacted them by phone when their faulty payment system caused us to get behind and they refused to help us out.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2023-08-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SG and Associates (FL)

Stafford Group is calling me about a supposed debt. They have called my XXXX yr old Daughter on her cell phone, my ex husband, my elderly parents. Stafford Group never disclosed to anyone it was an attempt to collect a debt, they told XXXX yr old Daughter there is a case against me and also called my ex-husband. I have screenshots of all of their calls. Stafford Group called XXXX XXXX  and left a message on a random phone stating I owe money and there are charges being filed against me. I have a statement from XXXX XXXX. My elderly parents and ex husband are getting calls all day from them. They have threatened all of us, used illegal debt collection tactics. We have hired an Attorney against Stafford Group
Consumer complaint received 2017-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One extorts money from elderly clients. My XXXX year-old father who has XXXX 's and XXXX never requested a new card. Captial One sent him a new credit card after his old card ( ending in XXXX ) had expired in XX/XX/XXXX. Along with the new credit card ( ending in XXXX ), Capital One charged a membership fee of {$39.00}. Capital One sent the new GM credit card AFTER I called, faxed, and mailed POA documents. Despite all the documents I have submitted, Capital One refuses to add me as POA. They insist I must provide them with my annual income and social security number. I have requested Capital One to provide a copy of their policy that verifies they will not share personal POA information with affiliates. As of yet, Capital One has not provided any such proof. Meanwhile, the initial {$39.00} charge has now become {$110.00}. Capital One began calling my elderly   father 's residence to collect payment on charges he never made. Captial One invented all the charges. Whenever I answer their calls, I explain the situation. Nothing is resolved. And on XX/XX/XXXX,  my father answered the phone and allowed Capital One to deduct payment from his bank account. ( My parents have also been the victims of prior financial abuse. They are {$450000.00} in debt. They have little money to spare! ) On XX/XX/XXXX, I wrote and sent ANOTHER letter to Capital One with POA and all required paperwork, ( save my annual income and social security number ). Capital One 's response was to send a form letter with an entirely DIFFERENT ACCOUNT NUMBER THAT WE HAVE NEVER SEEN BEFORE!!!
Consumer complaint received 2023-08-10
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: CLGF Holdco 1, LLC (TX)

Payment was sent to XXXX XXXX account and it was applied to to separate other XXXX sister companies. Without my permission those XXXX payments went somewhere else. Caused late fees ( but those sister companies held my money until I investigated where my money went to. It was sent back to me after 2 months and now the credit report is reporting late payments.
Consumer complaint received 2022-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXX  Account with XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct XXXX XXXX XXXX account XXXX XXXX has violated my rights. 

15 U.S.C 1681 SECTION 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2, also States a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-08-10
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. (FL)

My name is spelled XXXX XXXX any other way is in correct There are also addresses on my Report I never lived at. 

I uploaded my XXXX XXXX bankruptcy discharge letter from XXXX any negative credit reporting before or after should be removed.
Consumer complaint received 2018-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (TN)

A JP Morgan Chase & Co. credit card was applied for using my personal information and 2 charges was placed onto the card for the total amount of {$13000.00} I reported the fraud incident to Chase in XX/XX/2017 with a supervisor closing the account immediately. Chase evidently did not remove the amount charged and cancel the credit card as stated, so several months later I randomly began receiving billing under what appears as a different credit card number. Chase asked me to send a fraud affidavit with a copy of my driver license and personal information. Chase never called, emailed or sent any written response confirming they had received my affidavit and what they were doing with my information. Since sending my affidavit I have spoken with fraud supervisor after supervisor with zero results. I have asked for a US based English speaking supervisor or above and I believe Chase is misrepresenting their staff, as each supervisor I have spoken to is a foreigner trying to speak English on what appears as a US phone number. I have repeatedly requested a copy of the signed credit card application that they say was applied by me. They have refused to provide any such application. They have required me to continue paying for the minimum payments and claim they are investigating. I do not believe there is any investigation and as I have mentioned to previous supervisors there should NOT be any monthly charges necessary during a investigation and why did you close the account and several months later Chase decides to reopen a new account with zero communication with me. I have asked how the application was completed and signed i.e. by mail or if completed on the internet then what IP address initiated the application. It would appear Chase could easily check my IP address to confirm I did not make application. Again, they ignore all requests for any documentation. I have never applied for a Chase credit card, and I have not authorized anyone to use my personal information to make an application for a credit card and do not authorize any of these charges. Chase states in writing a Zero liability protection for unauthorized purchases and fraud protection. Chase endorses this policy in writing yet I am still having to pay a minimum payment in order to maintain my credit score and good credit bureau reports. I have fraud alerts in place at all 3 credit bureau 's and attempted twice to get the county Sheriff 's office to make a fraud report but they unfortunately said it is between me and the credit card company. Chase has violated not only federal regulations but their own written rules and promises to their customers.
Consumer complaint received 2023-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (PA)

Last week I signed on to my Chase Visa account. Before I could access my account, I first received two agreements that have to be signed to access the account. The first agreement is 125 pages long, the second 10 pages long. As a long time Chase Visa account holder who has relied on internet access to check on my account, I found the 125 page agreement customer-unfriendly ( to say the least ). Im supposed to sign 125 page document from a bank to access an account Ive accessed for years? A bank document no less, fraught with fine print and who knows what liabilities? I called Visa and spoke with 4 different representatives. I learned this is a standard '' update. Yes, but never before has such an agreement been close to this long and so customer-unfriendly, and what exactly am I signing without carefully combing through a 125 page bank agreement? They told me I can continue to receive monthly statements by mail. Yes, but one of the reasons internet access is so vital is to monitor the charges which, experience proves, occasionally are fraudulent. They told me that I can continue to do so with the monthly mail statements. I told them that Id rather take the time to contact the appropriate oversight agencies to complain rather than read a 125 page agreement. Therefore I turn to you. Finally, I asked if they are receiving similar complaints from other customers. Indeed they are. I am now their ombudsman. Please look into this and report back to me. Thank you.
Consumer complaint received 2023-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (OH)

For over the past several years my personal information has been dumped on the dark web and the internet. Over XXXX cases of fraud on my account. Accounts emptied. Mail stolen. All due to credit card companies and credit bureaus and banks failing to secure their databases allowing information theft. I have brought this issue up with bank and they have not been cooperative. I have spent the last several years working to clear my financial records. In the past year starting in XX/XX/XXXX and in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have sent debt validation letters, some not asked for by creditors in a effort to research issues with fraud. This creditor has not seemed to respond to my letters within 30 days. The creditor needs to respond within 30 days to requests.
Consumer complaint received 2023-08-14
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: EdFinancial Services (PA)

EdFinancial has reported to the credit reporting agencies that I currently have 4 loans with them, amounting to {$13000.00}. This information is inaccurate. On their official website, which I will show below, they have only 3 loans, amounting to {$7600.00}. Not only is that information incorrect, but they are also reporting inaccuracies as to when these accounts were opened. The loan amount for {$6200.00} was reported opened XX/XX/XXXX. I never opened that account. In addition to that, I never paid not 1 cent to this lender. I also didnt sign an agreement, nor take out these loans with EdFinancial. They are reporting these accounts with on time payments, since XXXX, and who is to say they wont decide to report late payments? According to the FCRA, all information is to be reported accurately. According to 15 U.S. Code 6802 section ( b ) OPT OUT ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party.
Consumer complaint received 2018-06-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

capital onecredit card threatened me when I told them I was in XXXX  during this time. they said well looks like your going right back and laughed at me. I can XXXX XXXX  because in was XXXX XXXX XXXX XXXX XXXX XXXX. I was shocked a company would speak this way the card was XXXX on XX/XX/17
Consumer complaint received 2018-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: IQOR US INC (LA)

A debt for {$560.00} reported by allied interstate to all credit bureaus for XXXX XXXX for equipment and bill. 
I sent all equipment to XXXX and paid last bill here is the proof from the us postal office and XXXX XXXX paid bill
Consumer complaint received 2018-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

On XX/XX/2018 I entered into an agreement with XXXX XXXX ( representing XXXX  ) to settle a private student loan. The agreement is for " paid in full '' and " cure- deletion ' of negative reporting on CRA 's. Instead, XXXX only updated the amount owed and continues to damage my credit by reporting the account as delinquent. I have called XXXX directly and they keep saying it will take more and more time. I called XXXX XXXX XXXX XXXX collection agency- and they claim that the account is settled in full and there is not supposed to be any reporting of delinquency. Yet my credit got dinged again this month.
Consumer complaint received 2017-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I walked into Chase bank to make a money transfer to another Chase account, I handed the teller an account number to do the transfer from my account to what I thought at the time was my XXXX account. Teller did the transfer did not confirm the name, just provided me with a receipt I went home had my XXXX  check his account and the funds were not in his account, i found it strange, but told him to wait maybe it was a hold of some kind since the amount transferred was for {$6000.00}. The following day the funds were till no in his account and I walked into the branch, that is when I realized the funds had been transferred to another account that was not my XXXX. I talked to the branch XXXX, I 've called relentless to the XXXX number provided and all they can tell me is there is nothing i can do to get my funds back. Its been over XXXX years and I still have not been able to be directed to the correct person.