davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-17
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Mobiloans, LLC (FL)

I was able to take out multiple loans and lines of credit at XXXX different companies online. I feel that I shouldnt have been able to do that and now I dont have the income to repay at the extremely high interest rates. I feel these are predatory loans and loan sharks. They are unwilling to modify terms nor help.
Consumer complaint received 2018-08-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

Extra principal payments did not go to principle. I was told that i qualified for the XXXX   loan forgiveness program and since they mishandled my payments have not had to make a payment since XX/XX/2015. I have submitted several applications and called many time and they kept requesting more verification and told me every time that i qualified for the forgiveness on the phone but needed more verification letters that were not listed on the application. this last time after three years i was told that I no longer qualified. if their was a problem with my status it should have been disclosed to me on the first application. instead they strung me along for an extra three years of interest. the intent of the extra payments original were to pay down the balance. i let it go because they said the balance of my loan was going to be forgiven. I have worked over 10 years as a XXXX XXXX XXXX. They are deceptive and the whole program sounds like a scam.
Consumer complaint received 2017-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES (MI)

I a writing in regards to an issue I discovered last regarding communication received from Great Lakes, a federal student loan servicer, about my eligibility for the Public Service Loan Forgiveness Program. I have worked for the State of Michigan for over 17 years. After graduating from school in XXXX I contacted my loan servicer to consolidated my loans. In those discussions with the loan servicer we had conversations regarding the PSLF program and eligibility requirements. I ended up consolidating my loans under the assumption that I was under the correct program. 
Several years into repayment ( XXXX ) I reached back out to my servicer to ensure that I was under the correct loan repayment program to qualify for forgiveness under the PSLF program and was assured that I was. Several years later ( XXXX ) I did the same and was assured again that I was in the appropriate program. In XXXX I also completed the paper work necessary to formally certify my employment with the State of Michigan. Subsequent to this paperwork being filed my loan was transferred to XXXX. Last week I received noticed that the repayment plan that I am under is not an eligible repayment plan. I immediately made contact with Great Lakes and they indicated that they would be able to provide me with any assistance regarding their misrepresentations and misstatement of facts and that I should contact the FSAOmbudsman. For 5+ years I have been paying in the wrong repayment program. I trusted the Loan Servicer in providing the appropriate expertise in this area and in relying on this information I have suffered a loss.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX  Account Number:XXXX  has viold my rights. Or a list of inquiries : 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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2023-06-07
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)

This is a complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The bank is reporting this account inaccurately. They informed me they had an internal issue & posted me past due on XX/XX/2023. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX
Consumer complaint received 2023-12-17
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (MI)

On XX/XX/2023, I requested a balance transfer cash offer to my personal checking of XXXX dollars. I was told that I was approved and that the moneys will be deposited in my account in 5-7 business days. I was also giving a confirmation number XXXX from Barclays Old Navy customer service representative. After serval days of waiting for the money to be deposited into my account I gave the credit card company a call to see why the money was not there yet and they stated that they tried to call me to verify that it wasnt fraud. I never received a call, email of voicemail from this company. I called to validate my identity to let the company know that it was me honoring the transaction again and I was told the promotional transfer to my personal checking was no longer available and that I can only do promotional balance transfer to another credit card. I still have 29-30 days left for these offers to be granted to my account. I dont understand why Barclays took the offer off the table if my identity was cleared. Im very upset at this matter and would like to get this issue resolved.
Consumer complaint received 2023-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

I recently checked my credit take and noticed a collection from a comoa y I have never done business with nor ha XXXX any contractd with. This fraudulent claim could potentially cost my family many XXXX  of dollars. 

CREDIT COLLECTION SERVICES XX/XX/2023
Consumer complaint received 2023-06-07
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. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP (VA)

Hello. 

My husband and I both have platinum credit cards through Elan Financial. In taking inventory of our debt, we realize that we have overextended ourselves and want to take care of this. We arent asking to not pay our bills. We expect to pay every XXXX we owe. My husband and I called to get the interest rates and payments lowered on both of our cards. Elan Financial took care of his, and then said I was eligible for the same program. The person helping us said that his computer was running slow, and that we needed to call back to get all the details arranged. I called back repeatedly. Elan Financial is now saying that I am not eligible for the hardship program. We have made the first payment on my husbands Elan card, and I am eager to make a payment and get started paying back the amount I owe. Multiple calls have resulted in no help. Today I called, and they again said to call back in a couple of weeks. What is wrong with these people? I have called several times and keep hearing the same thing. Keep calling back. In the meantime, I am sure they are reporting this to the credit bureau. Seriously the worst company ever to deal with.
Consumer complaint received 2024-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My bank of America account was compromised. Scammer gained access to my account, changed my online password added the # of XXXX to my account. They also added XXXX XXXX XXXX as a XXXX XXXX. 

Today they opened another bank of America account ending in XXXX and authorize a transfer of {$25000.00} in my name. 

Bank of America has now froze my account, due to fraudulent activity which is protocol. 

I am hoping you can use the information provided, to stop these scammers from doing this to others.
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (GA)

I paid off my Citibank credit card bill of {$12000.00} this past summer in a lump sum payment. I was under the impression that the balance was at XXXX. A couple of weeks later I had an XXXX XXXX XXXX and then contracted XXXX. I was recovering and wasnt on my phone. I then finally started using my phone and was shocked when my credit score dropped over 100 points. I investigated and contacted Citibank immediately. They then reassured me that since Ive been a customer and Ive never had any late payment on my credit history they would remove the late payment and nothing would be reported to the credit bureaus. To my surprise this did not happen. They lied and thats the issue here, I was completely misled by the people who work for this company. I am still disputing this case. I have attached a copy of the letter that I sent out to them after speaking to a representative named XXXX. I just want to know why they lied and werent truthful about the process. They removed the ding on my credit score and then put it right back in XXXX? So many months after the incident in XXXX. I want them to provide the chat history and answers that the employee provided because that is the issue, I was misled.
Consumer complaint received 2023-12-17
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Specialized Loan Servicing Holdings LLC (PA)

Bought my house with cash XXXX, XXXX from divorce money. I am permanently XXXX. In XXXX, was scammed with cash and credit cards. XXXX XXXX into a XXXX loan with XXXX cash out. The loan seems illegal. Research says it is illegal to turn unsecured debt into secured. Null and void. In XXXX, XXXX XXXX bankruptcy discharged all my debt. XXXX shows sls loan as closed due to bankruptcy and no liens on property. There are no liens on my property at the local Courthouse either. They refused to modify my loan about a year ago. They did not respond to my app requesting mortgage assistance. They said short sale is available as an option. But i have asked for short sale, and they don't respond, instead say they need full payoff. They are playing hardball, especially since their homeowners insurance would not cover a water shut on after pipe freeze problem last year.
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FC HoldCo LLC (NV)

The loan company stopped credit reporting in XX/XX/2023 and continue to report that I am 30+ days late since this date. This is not correct. It took them 30+ days to get me my payment history and they never updated my credit report. I have filed disputes and they still wont correct it. Since the date in the documents I have continued to pay them monthly. They did update their payment portal in XXXX which caused a change in some account numbers, this is not an error the consumer should be paying for. They need to get this corrected and merge the accounts and be ethical and honest about the credit reporting. I want my payment history fixed on my credit reports!!!
Consumer complaint received 2024-03-26
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: Chime Financial Inc (WA)

My complaint is against Chime Bank. On XX/XX/24, I rented a car from XXXX XXXX  Rental, XXXX, WA, using Chime Bank XXXX  credit card XXXX XXXX XXXX XXXX. A {$510.00} Rental car hold was placed on this card. I returned this car to XXXX XXXX Rental XXXX, WA, on XX/XX/24. The bill for this rental was {$410.00}. Upon reviewing my credit card activity, I noticed XXXX pending charges on my credit card, XXXX for {$510.00} and another for {$410.00}. These XXXX transactions caused my credit card to be over the limit {$420.00}. When I contacted XXXX XXXX  Rental, they informed me that on XX/XX/24 at XXXX AM, a cancellation was sent to Chime Bank. When I contacted Chime Bank, they told me to call XXXX to get the problem corrected. XXXX XXXX  Rental provided me with the codes XXXX and XXXX, canceling the {$510.00} hold. After numerous calls to Chime Bank and XXXX, it became apparent that Chime Bank was purposely giving me lousy information, including the transaction would fall off and your balance will be corrected. On XX/XX/24, the {$510.00} transaction fell off, and my credit card was still over the limit {$420.00}. Upon numerous calls to Chime Bank, the problem has not been corrected. Chime Bank employees have had me on hold for times over an hour and have disconnected me.
Consumer complaint received 2023-12-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (GA)

I hope this message finds you well. I am writing to bring to your attention a concerning issue related to a negotiable instrument ( 3-104 ) that I issued to Chase on XX/XX/2023, with the expectation of prompt and secure handling. 

Regrettably, I have been informed that my payment, sent in good faith, has been misplaced by your institution. As of XX/XX/2023, when Chase received the negotiable instrument, it came under the purview of the Uniform Commercial Code ( UCC ), specifically sections 3-309 and 3-312.

Under UCC 3-309 ( 4 ), when a claim becomes enforceable, the obligated bank, in this case, Chase, is obligated to pay the amount of the check to the claimant if payment has not been made to a person entitled to enforce the check. This, however, is contingent on the condition that the claimant refunds the payment to Chase if the check is paid or pays the amount of the check to the person having rights of a holder in due course if the check is dishonored.

Additionally, UCC 4-302 outlines the payor bank 's responsibility for the late return of an item, holding the bank accountable for the amount of the item if it is not settled for or returned by the midnight deadline.

Moreover, considering the provisions of UCC 3-303, it is essential to emphasize that the negotiable instrument was issued for value, meeting the criteria outlined in subsection ( a ), specifically ( 3 ) " as payment of, or as security for, an antecedent claim against any person. '' The obligation of the acceptor, as defined in 3-413, further underscores the responsibility to pay the draft according to its terms at the time of acceptance, or as varied, to the extent owed to a person entitled to enforce the draft.

Given the circumstances outlined above, I am compelled to express my concern that this situation may be indicative of a potential securities fraud matter. I believe it is in the best interest of all parties involved to address this issue promptly and rectify any discrepancies.

If this matter is not handled in a timely and satisfactory manner, I may be compelled to escalate this concern to the Securities and Exchange Commission ( SEC ). I am hopeful that we can resolve this matter amicably and promptly to avoid any further escalation.

I appreciate your immediate attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This notice is to inform you that you have broken the law. You unlawfully reported unauthorized accounts on my consumer report that have violated my federally protected rights to privacy and confidentiality under FCRA law 15 USC 1681. I have not given written permission to put anything on my credit profile. You have violated me pursuant to 15 USC 1681B, the permissible purpose of consumer reports. You have no permissible purpose by law to contact third parties with my private and personal information. Your offenses amount to aggravated identity theft pursuant Title 18 USC felony punishable 1028A. You have knowingly transferred a felony punishable with up to 2 years of imprisonment in addition to civil liability up to {$1000.00} per violation. You are also in violation of 15 USC 1692G and my instructions are for you to delete these accounts immediately. 

The following false accounts have been deleted by XXXX after an investigation, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXXXXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX I have attached highlighted removed accounts.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (OH)

I have had some issues with someone using my information to apply for accounts in my name. I have had issues in the past with my information being compromised I am trying to do my best to protect the integrity of my credit file. The following inquiries and not mines and were never authorized by me or my signature. I have filed a dispute letter and never received a response back from the following companies : 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 None of these inquiries were authorized by me and I do not have an account with any of these companies.
Consumer complaint received 2023-12-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

Subject : Unresolved Charges Dispute Regarding XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to bring to your attention an ongoing issue I have encountered with my credit card provider, Capital One, related to a recent rental car transaction with XXXX. 

I utilized XXXX for a rental car service and took the necessary steps to avoid additional charges, including refilling the gas tank and using my personal toll pass. To my dismay, I was billed for both gas and toll fees despite complying with the rental agreement. 

Upon noticing the erroneous charges, I promptly filed a dispute with Capital One, which initially resulted in a refund. However, to my surprise, a subsequent price adjustment led to a reiteration of the charges. Despite providing conclusive evidence of having refilled the gas and utilized my own toll pass, Capital One has been unresponsive and unwilling to address this matter satisfactorily. 

I am seeking your assistance in resolving this issue and ensuring a fair and accurate resolution to the disputed charges. Your intervention in facilitating communication between myself and Capital One would be greatly appreciated. 

Thank you for your attention to this matter, and I trust that the Consumer Financial Protection Bureau will help in rectifying this situation promptly. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-06
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (FL)

On several occasions while trying to pay my bill last XXXX ( 2016 ), Chase lost my billing information and it resulted in interest charges and late fees. There was continuous communication on my behalf as the information that was provided was inconsistent amongst different entities of Chase. I was told it would not be reported to the credit bureau 's and would be noted as I was also a victim of identity theft. Chase continues to address that I did not contact them in regards to a sudden address change or lack of receiving of a card but I did. In fact, my card number was compromised. On several occasions, I went to the branch to address this issue as Chase did not via customer service. Ultimately, my balances were paid off and I was dismissed due to " bank policy '', but ultimately I feel the reason is because of the lack of ethical business practices and the poor documentation. In one incidence, I was charged interest/late fees and it was reported to the credit bureau even though Chase had my payment info and the representative just did not submit it correctly. I feel that the indication only my report as my account being past due or late should be corrected at any rate. In addition, any late charges that were charged or indicated on my account should be reviewed individually as Chase failed to follow proper bank procedure and business practices when contacting me and/or communicating me with such sensitive/important information. This specific to the account ending in XXXX. This is my second inquiry.