davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (VA)

Had federal student loans. Worked for 10 years in public service at least in part because of student loan forgiveness program. At 10 year mark I apply for forgiveness. Forgiveness is denied because " loans are in wrong program '' supposedly. I am advised by servicer that they have reallocated loans to correct program and all I have to do is pay for another 6 months and they will automatically be forgiven. I do this. 

Loans are not forgiven automatically at 6 month mark. When I enquire I am informed that the loans are still not in right program but they will be moved and if I pay for another year they will be forgiven. I do this. 

Loans not forgiven at this point. Now I am informed that my loans are too old and that when Congress passed the loan forgiveness legislation it was meant for people who were younger and had been paying for shorter period of time. But again, all we have to do is move loans to another program and make additional payments and they will be forgiven. I do this. 

Year goes by I apply again, again I am denied. No reason given. AT this point I get aggressive on seeking answers. What I get told now is that 10 years prior there was a gap in payments where no payments were made one month but double payments were made the next month. I have no recollection of this as it has never been brought up before and I strongly suspect this to be retroactive fraudulent accounting. I am informed that this situation has created what they call a " rolling delinquency '', ie none of my payments over the past 10 years were on time because of this. But no worries, all we have to do is move loans to different program and apply for exemption to " rolling delinquency clause ''. More time passes without resolution. Lots of contentions back and forth communications though. 

PHEAA/Fedloan does eventually decide to forgive loans ( or perhaps forced to by incoming fed admin ) however they play games with the date on which the " rolling delinquency '' is resolved. Meaning... the amount of money that was overpaid due to the accounting error on their side is kept. They claim they are researching and looking into but mostly they just sting me along constituent with previous behavior. I follow up for several months but they stop returning phone calls. Last time I talked to them was probably late 2021.
Consumer complaint received 2023-05-24
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: EQUIFAX, INC. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-24
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: EQUIFAX, INC. (AR)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and informationimmediately!
Consumer complaint received 2023-01-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (FL)

I told t try hem I didnt want any kind o f extended warranty and my sales person said the same thing to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Signed a paper no extras except for gap got home looke at the contract they added over XXXX in warranty and would not fix it
Consumer complaint received 2023-05-24
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: EQUIFAX, INC. (TN)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: USCB, Inc. (CA)

I spoke with USCB AMERICA a few weeks ago and they claim that I owe them money since 2017. They can not provide me with original receipts nor correct info. This creditor never appeared in my credit report before and now its showing.
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (TX)

I called Chase Credit Cards on XX/XX/XXXX to obtain the statement balance on my CC so I could pay that amount to avoid interest charges. Per my online account, the payment was actually due on XX/XX/XXXX to avoid interest, but the online service did not provide me what the balance is. For context, I recently took advantage of a balance transfer offer of $ XXXX, which was interest free until XX/XX/XXXX. The fee for the transfer was {$500.00}, so a total of {$10000.00} was processed. I asked the representative what the statement balance was as of XX/XX/XXXX ( minus the balance transfer total ) so I could pay that remaining balance to avoid fees. I believe the rep was not understanding the question so I requested to be transferred to a rep in the U.S. I then was given XXXX in the U.S. I posed the same question to her and she initially stated that we ( she's been speaking with my wife, XXXX who is authorized ) would have to pay the full balance including the balance transfer amount or interest would be charged. We contested this and she then retracted and stated she could not provide us the statement amount for the time period requested, which was XX/XX/XXXX - XX/XX/XXXX. I asked her how is it possible they're not able to provide this amount and that as a consumer, we should be able to obtain that amount so we can pay it to avoid interest. I then requested to speak with her supervisor and she stated supervisor do not take calls and she would be the last line for a call to be taken. The agent then stated she couldn't give that amount and asked if there was anything else ( attempting to promptly end the call ). I told her again that if a consumer is not able to obtain the amount needed to be paid to avoid interest charges, this is poor practice by the financial institution. She apologized and disconnected the call.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-05-17
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: Experian Information Solutions Inc. (FL)

I NOTICED SOME INCONSISTENCIES ON MY CREDIT REPORT. THIS IS DAMAGING MY CREDIT SCORE AND NEEDS TO BE LOOKED AT IMMEDIATELY. PLEASESEE ITEM LISTED BELOW. 

ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX YOU'RE REPORTING A LATE PAYMENT ON MY CREDIT REPORT YET THE CREDITOR ( XXXX XXXX XXXX  ) SAYS THEY RESET THE ACCOUNT AND THERE IS NO LATE PAYMENTS SHOWING ON THEIR SIDE.
Consumer complaint received 2019-10-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (NY)

Tracking Number ( MTCN ) XXXX Transaction Date XX/XX/2019 Transfer Amount ; {$2000.00} USD Senders Name XXXX XXXX I paid for a money transfer in cash to be sent to the receiver at XXXX in XXXX. The appropriate account number was provided. XXXX states they never received the transfer. We provided copies of the XXXX bank statements to Western Union to proove that the transfer was never received in to the receivers account. I followed up with Western Union to try to resolve the issue. They did nothing to show proof that the transfer was in fact deposited to the financial institution. I believe fraud has transpired either by Western Union employees or employees of XXXX. Western Union offered a better money exchange rate if the transfer was sent to XXXX and that is the only reason I agreed to send the transfer to that specific bank. Now, Western Union is not providing me a refund for using a third party partner or affiliate. This is a major issue and a substantial loss of funds. The recipient did not receive the money transfer at the bank where Western Union sent the funds. I believe Western Union has been negligent in their third party vendor management due diligence. I believe Western Union owes me a refund for the funds that it transferred and which never received by the receiver. If the fraud was committed by the vendor/affiliate/partner bank that received the funds from Western Union, this does not absolve Western Union of its responsibility.  They are responsible for the fraudulent behavior of their partners/vendors/affiliates and I have recourse under the law. I lieu of filing a lawsuit, I would like the CFPB to investigate this issue. The proper resolution is a refund of {$2000.00} USD plus the fee paid for the transfer.
Consumer complaint received 2023-01-11
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) XXXX and TransUnion 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/2020 Balance {$7900.00}, XXXXXXXX XXXX XXXXXXXX XXXX Date opened XX/XX/2020 Balance {$38000.00}, and XXXX XXXX XXXXXXXX XXXX XXXX opened XX/XX/2020 Balance {$3000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-03-23
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. (TX)

I have tried I'm still remove my address off of my credit report wrote letters and still nothing. at this address is not valid XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX Texas XXXX This need to be removed I have reported to remove from XXXX report. I gave wrong address before
Consumer complaint received 2023-05-17
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: Experian Information Solutions Inc. (SC)

I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/XXXX and XXXX, 2023 and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns because I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-02-02
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. (FL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # 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 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 2020-04-25
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

I have contacted this company named XXXX XXXX since XXXX regarding a personal line of credit that was issued. I have been provided with misleading information regarding the dispute of their investigation every since time! Ive spoken too a resolution specialist in the Iowa Office XXXX XXXX and he provided me the resolution too resolve the matter, and once I accepted that offer the executive office lost contact with that representative. The representative XXXX XXXX was unable to be reached.. I was given the run-around by EVERY supervisor when calling in AND, I had to provide my story every single time! This amount is excessive and higher than the original balance the company has been in a class action lawsuit XX/XX/XXXX regarding damaging credit and was suppose too release at least an amount of {$25.00} XXXX too non-compensatory damages. I NEVER received any information regarding they would assist as I complained EVERY YEAR too this company about my compliant. I have all documentation regarding the suit and how they allegedly claimed to help those who was hurt. Within the Case XXXX /Document XXXX 2. Settlement Benefits it states : Net Settlement Pool 1, which will be 77.46 % of the net settlement fund, will go too paying damages related too period running from XX/XX/XXXX through XX/XX/XXXX. The documentation Also states they as in XXXX XXXX would pay for the Fee Damages, and Credit Impact Damages for the XXXX to write and still leave at least {>= $1,000,000} for Non-Compensatory Damages The documentation states they are Obligated too pay the amount. It states as well if a previous consumer has complained too XXXX XXXX or Federal Agencies they would be automatically enrolled into the settlement in section ECF XXXX. AS I READ XXXX XXXX, XXXX XXXX XXXX has AGREED too pay {$1.00} XXXX towards their so called expert analysis which wouldve been the title of XXXX XXXX who was miraculously retired/and or fired.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to dispute a collection account that has appeared on my credit report. The account in question is not mine, and I have no legal binding contract with the entity reporting the collection. The following account is violating my rights in regard to USC 1681. 1681 section 604 A Section 2 : 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.I have not authorized any entity to report this information on my behalf, nor have I received any goods or services from the entity in question. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TN)

My mom put me as a authorized user onto her XXXX XXXX XXXX  but I didnt know or ask I wasnt aware so with that being said she fell behind on her card and its causing my scores to drop significantly I would like to be taken off as a authorized user and correct my scores please
Consumer complaint received 2023-02-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Title Clearing, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FLORIDA IS NAMED ON FICTITIOUS PROPERTY ASSIGNMENT OF MORTGAGE FOR FICTITIOUS LOAN SCHEMES AGAINST MY PROPERTY UNDER IDENTITY THEFT SCHEMES