davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-20
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: Experian Information Solutions Inc. (MO)

XXXX XXXX XXXX XXXX Experian in connection with its debt collection and furnishing activities continues to violated sections 1031 ( a ) and 1036 ( a ) ( 1 ) of the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C . 5531 ( a ), 5536 ( a ) ( 1 ) ; sections 623 ( a ) ( 8 ) ( E ) - ( F ) and 623 ( b ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. i68is-2 ( a ) ( 8 ) ( E ) - ( F ), ( b ) ; sections 1022.42 and 1022.43 of Regulation V, 12 C.F.R. 1022.42-1022.43 ; and sections 807 and 814 of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 16920,1692/.Collecting any Time-Barred Debt through any means, including but not limited to telephone calls and written communications, without .They continue to list the Loans as accurate, documentation from the creditor or agent was not provided to support creditor was not discharged in the chapter 13, as these are private student loans not federal and not subject to 11 U.S.C. Section 523 ( a ) ( 8 ) ( A ) ( ii ) ) on IRS publication,901. 

For those Time-Barred Debts that can not generally be included in a consumer report under the provisions of the FCRA, 15 U.S.C. i68ic ( a ). Clearly and conspicuously disclosing to the Consumer : " The law limits how long you can be sued on a debt and how long a debt can appear on your credit report.

They are not federal loans, A private student loan is not a scholarship or stipend, and the overwhelming body of judicial authority finds that it is not an educational benefit either That a private loan is an educational benefit is inconsistent with the full text of 11 U.S.C. 523 ( 8 ) the other two exceptions would be unnecessary if education benefit included loans. 
U.S. Court of Appeals for the 2nd Circuit from the U.S. Bankruptcy Court for the XXXX XXXX of New York. In the original case, U.S. Bankruptcy XXXX XXXX XXXX XXXX concluded that private student loans were not part of the Bankruptcy Code Section 523 ( a ) ( 8 ) ( A ) ( ii ), which states that any obligation to repay funds received as an educational benefit, scholarship or stipend is typically not eligible for discharge.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (FL)

I believe I have been getting false reports starting with a mortgage from XXXX XXXX that is not mine. Also, it seems to be someone trying to apply for loans or credit card under my information without my permission. I do not know who is doing this that is why I am reporting this dispute. 
The following accounts is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I believe I have been getting false reports starting with a mortgage from XXXXXXXX XXXX that is not mine. Also, it seems to be someone trying to apply for loans or credit card under my information without my permission. I do not know who is doing this that is why I am reporting this dispute. 
The following accounts is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-20
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: EQUIFAX, INC. (VA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX CT # XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX 1912 XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX : {$0.00XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$110.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2018-12-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

Various date fromXX/XX/XXXX through XX/XX/XXXX, various amounts the Paypal -- XXXX aka XXXX XXXX proceeded to somehow make transaction through my paypal account some which, was made directly on each on my credit cards that was listed in paypal system. This company XXXX also threaten me if I told pay it would be reported my institution as if they wrote my paper which, they only proofread my documents however, the company also at the amount of editing/proofreading was to be done by paying came back three days later to request more money because they stated it was the wrong price given. This was fraud. I contacted paypal and paypal stated they have zero tolerance for companies that conduct business to get over on customer. However, paypal stated limits or cancellation could be an option no documents was request and Paypal continues to allow company 's like XXXX ( XXXX XXXX ) to get over on customer without taking action. Paypal has not found out how this company was able to charge all my credit cards at one time making dup charges. Please see attachment.. Reference case # XXXX and transaction id # XXXX. XXXX ( XXXX XXXX ) has also falsified their location in Texas which, is a house purchase by and owner in XX/XX/XXXX. None of their numbers work and Texas Secretary of State has no listed info on this company. NO way to file charges or have them served ... Please see the companys " XXXX '' threaten chat posts and request after agree which was paid..
Consumer complaint received 2023-11-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (VA)

I applied for the SAVE repayment plan on XX/XX/2023 via Nelnet. I did not hear back from Nelnet, so I called on XX/XX/2023, and spoke with XXXX. He said he wasn't sure why my application wasn't available and had me resubmit a verbal application on the phone, waived the {$5.00} IBR exit fee, brought my account to current, and I uploaded my proof of income 1099 form. 
XX/XX/2023, I was emailed 3 letters ; first email was my application was unable to be processed, second email was additional information was needed for my application, third email was a one-time payment needed to exit IBR plan . XX/XX/2023, I called and spoke with XXXX who could not see why it was denied. I was transferred to Support Specialist XXXX who also could not see why it was denied. She then had me re-submit another verbal application, I paid the {$5.00} exit fee, and she guaranteed that there should be no reason I would be denied and repeatedly assured me I did not need to upload any more documents. She placed my application on express and said that I should be approved within 2 weeks. I asked for a written letter of what we had spoken about and what she said was going to happen but she said she could not do anything like that for me. 
XX/XX/XXXX I received an email saying my application review was in progress. XX/XX/XXXX I received an email that a forbearance had been applied to my account. XX/XX/XXXX, I received an email saying I had a new statement available, which was still for the Standard Repayment Plan. XX/XX/XXXX, I received an email that my application review was in progress. XX/XX/XXXX I received an email that my application review was in progress. 
XX/XX/XXXX I received an email saying my application was incomplete and needed more information. I called on XX/XX/XXXX, spoke with XXXX who said my application had been marked Abandoned. I was transferred to Support Specialist XXXX who told me I had multiple applications open, some marked Abandoned and one was pending. He told me that the system had not seen the {$5.00} payment I made to exit the IBR plan and that the system would transfer me over to the SAVE plan once I was billed for the exit fee. He advised that when the next billing statement is sent out ( XX/XX/XXXX ), that it will be for {$5.00}, once I pay that, then the system can move my application through and I will be on the SAVE plan. He confirmed that I do not need to anything additional, just to wait for the new statement, pay the {$5.00} exit fee, and then my account will be switched over to the SAVE plan. I asked that the interest that has been compounded during this period of Nelnet 's incompetence be taken from my account and he said that the government has not set a limitation on processing time so that could not be done. I was then hung up on.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (TX)

i recieved acopy of my credit report and y noticed severals accounts on my credit file that never applied for and never used needs to be removed from my account below are listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-21
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: DISCOVER BANK (IL)

On XX/XX/2023, I placed an order with XXXX for two products : an XXXX XXXX XXXX motherboard and XXXX XXXX XXXX, to be delivered on the same day via XXXX XXXX XXXX. After a three-day delay and no updates, I sought a refund from XXXX, but they declined and provided no delivery details. XXXX XXXX also denied sharing information with XXXX customers, redirecting me to XXXX. Consequently, I filed a dispute with Discover Credit Card, which was initially resolved in XXXX 's favor due to insufficient documentation. Surprisingly, XXXX later agreed to issue a refund within a week, but after two weeks of silence, I resubmitted the dispute to Discover Bank with a saved chat transcript promising a refund from XXXX. Despite this, the dispute resolution again favored XXXX. XXXX 's documentation only asserted their refusal to accept a chargeback without significant evidence. Additionally, there have been local issues with XXXX XXXX, often delivering to the wrong buildings due to complex road layouts. XXXX 's proof only included a photo of the box, lacking precise delivery location details.
Consumer complaint received 2023-11-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc. (PA)

I have been trying to work with Mr Cooper for my mortgage I was doing a modification and they said they would need paperwork filled out the sent me a link that would not open I requested several times and even put in a complain and then they said I was not eligible!!! And my loan officer keeps changing and they keep telling me different things or do not answer or call back. I received a letter from a lawyer that said I havent responded which is a complete lie. I was told by the gentleman who served us foreclosure paperwork to not make another payment until you go to court because I did pay almost XXXX and was told I was reinstated but would not let me make payment I have money in escrow to show the judge that they are lying and not letting me pay my bill. Look at attached say this will exapire on XX/XX/23 but it wont let me access the paperwork and when they send you a link by email it doesnt allow you to open it either
Consumer complaint received 2024-05-13
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (TX)

My account has been set up for autopay for almost a year and I XXXX XXXX  and was out of work but didnt stop my autopay so I was returning because I didnt have money in my account. I never meant to be malicious. I have alway paid on time until this
Consumer complaint received 2023-11-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

At approximately XXXX PT on XX/XX/XXXX, I took advantage of a Chase XXXX XXXX promotion offer with a points transfer to XXXX XXXX XXXX XXXX. The promotion would have had me receiving a 30 % bonus of points upon transfer. In simple terms, if I transferred XXXX points from Chase XXXX XXXX to XXXX XXXX, I would receive XXXX points in my XXXX XXXX account. The 30 % promotion bonus on the Chase website was slated to run through XX/XX/XXXX at XXXX ET. 

I was looking to book a flight through XXXX XXXX for XXXX points. Therefore, with XXXX points in my XXXX XXXX account, I had to transfer XXXX Chase points to XXXX XXXX. That XXXX, when coupled with the 30 % bonus, should have had me receiving XXXX points in my XXXX XXXX account ( XXXX ). 

The transfer was completed, however, I only received XXXX points in my XXXX XXXX account. My XXXX bonus points were missing. I called Chase and XXXX XXXX multiple times over the ensuing days to find out how to resolve this issue, and both companies pointed the fingers at each other. No one offered any sort of resolution. 

Chase indicates on their website that transfers ( and bonus 's ) can take up to 7 days to complete. The 7 days has officially passed and I do not have the bonus miles in my XXXX XXXX account. 

Therefore, because I needed to book a flight before it was unavailable, I had to transfer an additional XXXX points from Chase to XXXX XXXX to make up for the lack of my bonus points. 

During this sequence, I have maintained screenshots and phone records with XXXX XXXX as documentation.
Consumer complaint received 2017-05-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: POPULAR BANK (FL)

Banco Popular has given a loan according to the Board Meeting Minutes to XXXX XXXX XXXX XXXX where I currently live with the purpose of obtaining a certificate of occupancy that expire XX/XX/XXXX. As an owner I do not agree with Banco Popular giving this association a loan for the following reasons : At the time of application the association was dissolved by the Secretary of State for not having a registered agent in XXXX. There is possibly over half  a million in  invoices for services that were never provided. Thee Board also passed a special assessment in XX/XX/XXXX for   {$120.00}, XXXX with the purpose of obtaining the Certificate of Occupancy, the funds are gone, and Certificate of Occupancy was not obtained. The Board of XXXX XXXX can not be trusted with property owners funds. Banco Popular may be giving a loan to a condo association that has been reported to : Provided fabricated ledgers Covered up that the Secretary of the Board XXXX XXXX XXXX was delinquent for 2 years Board member XXXX XXXX XXXX apartment was foreclosed as of XX/XX/XXXX by XXXX and has been accused by XXXX XXXX of fabrication and fraud Multiple cases with Department of Business and Professional Regulation where the state agency held the Association had violated the law Building does not have a Certificate of Occupancy Failed to do taxes for 4 years Owners requested an Audit on XX/XX/XXXX that was never finalized {$3000.00} were paid for nothing. In light of these serious character issues its incomprehensible why Banco Popular would give XXXX XXXX XXXX a line of credit for {$75000.00} that ultimately owners like me will have to pay.
Consumer complaint received 2024-05-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (WA)

On XXXX I purchased merchandise from someone through cashapp for {$250.00}. Through further inspection, the merchandise came not as it was advertised ( the product was tampered with ). On XX/XX/12 I requested a dispute from cashapp and was denied. I've also requested a refund from the person directly with no response. The person has also removed their listing for the product right after I've reached out to them explaining that the merchandise was already tampered with and that I'd like a refund.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: T.S. Holdings (TX)

There was an apartment placed in my name. Information was stolen and I was unaware until it popped on my credit. There is a huge balance of {$16000.00} reported on XX/XX/year> from XXXX XXXX. The collection company is IQ DATA INTERNATIONAL IN
Consumer complaint received 2022-12-20
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. (VA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX CT # XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX 1912 XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$110.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2024-05-13
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: SYNCHRONY FINANCIAL (MD)

Synchrony Bank allowed a transaction that I did not authorize, for the amount of {$7600.00} for furniture that I did not accept, I rejected the delivery and I did not provide my signature on the delivery paper. 
I want to proceed with the arbitration, I already contacted the XXXX XXXX XXXX XXXX, and they sent me a form, I need the bank collaboration to continue with this process. I am kindly asking Synchrony Bank to assist in completing the necessary sections of the arbitration initiation form. 

Specifically, I kindly ask Synchrony Bank that you provide the following information : 5. Identify the requested city and state for the hearing if an in-person hearing is held : City : State : Select...

6. Please provide contact information for both the Consumer and the Business. Attach additional sheets or forms as needed.

- Business information - Business representative 7. A clear, legible copy of the contract containing the parties ' agreement to arbitrate disputes. 

I attached the XXXX arbitration form.
Consumer complaint received 2024-05-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: EASTERN BANKSHARES INC (MA)

-mistreated conduct, say '' i don't know " to every question i ask regards his paperwork request. 
-ask for the same documents that i have already provided causing delays process. 
-not filling the documentation on my behave for the city of XXXX XXXX assistance. 
-ignore my Emails. 
-pushing the closing dates for the XXXX time without reasonable explanation or explain my options. 
-asked for bank statement records for over 1 year ago which i don't believe to be with the guidance requirements documents.
Consumer complaint received 2023-11-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PENTAGON FEDERAL CREDIT UNION (IL)

There's a few issues I'm experiencing with my loan. This company has prevented me to make payments online which has resulted in late fees, credit card processing fees, and terrible customer service. Every time I speak with an agent from your collections department they're extremely rude. My car was repossessed earlier this year, and after paying all the fees it took over 7 days for me to receive my vehicle back, and I was never compensated for it. I have several late charge payments from {$5.00} - {$25.00} that could've been refunded due to my inconvenience. Also, I sent a request to be added on the Do not call list on XX/XX/2022 and still receive calls.
Consumer complaint received 2023-11-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

After examining my personal credit report, I have identified certain inaccuracies that could significantly impact my ability to purchase a home. While I understand that errors can occur, these particular mistakes could have detrimental implications. I am familiar with the dispute process and the time constraints that come with an investigation. The following errors have been identified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I kindly request that you remove these inaccurate accounts from my credit report as soon as possible. Given the current economic challenges, the negative impact of incorrect information on my credit score is a major concern. I expect an updated credit report that reflects these changes within thirty ( 30 ) days.