davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TX)

I have four loans with American Education Services. Since XX/XX/2023, they have misapplied my payments every single month even though it is on auto debit from my bank account. I receive emails and letter in the mail stating that my payments are late. They are not late. 

I have to spend my time chasing them each month and it takes days each time to correctly apply the payment. They charge me " late fees '' and report it to the credit bureaus when my payments are not late. AES is the one who can not properly apply my payments. 

This is unacceptable. They are trying to charge me fees for their own mistakes and ruin my credit.
Consumer complaint received 2023-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (MN)

I tried cancelling my Delta gold card the other day because of the annual fee and I was talked into doing a product change to a no annual fee version instead. I cancelled within 30 days of the original fee posting, yet I see I was not credited the full amount. Amex is not honoring it's own policy that allows you to get a full refund of your annual fee if you cancel your card within 30 days of the fee posting.
Consumer complaint received 2023-05-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (OH)

Someone overtook my PayPal account and sent thereselves {$1200.00}, my account is linked to my bank XXXX. Ive disputed with both of them and PayPal says it was sent to family and friends. I never authorized this I was hacked. Im going through XXXX right now for XXXX XXXX and Im on a fixed income so this has just been a burden on everything In My life right now I have rent due and my electric
Consumer complaint received 2023-05-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (WI)

I have received a phone call from an unknown party, they claimed to be debt collectors.

They attempted to extract the last 4 digits of my SSN and my date of birth. They claimed I have an ambulance bill from 2015. I have not been in the hospital nor have I used the ambulance that year. The phone number indicated on the caller ID is XXXX They wanted me to " settle '' the debt, I assume their next step was to extract a debit or a credit card info.
Consumer complaint received 2024-03-22
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)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account Name : XXXX  XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : Account Name : XXXX BANK Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX
Consumer complaint received 2024-03-22
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

there are inquiries on all my credit reports that were not from me, I did ask the Credit Company to remove them but they said that these things will eventually fall off in 2 years but I told them I needed them off now in order to buy a home. I talked to XXXX and XXXX to try to get them to take these inquiries off my credit report. 

I called on the week of XXXX XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This company continues to violate my rights as a consumer by reporting this account to my credit which I have no knowledge of. I have tried to communicate with this company many times and they have failed to respond or provide any proof that this debt belongs to me. I am unaware of this debt, I did not have an opportunity to dispute this information, if in fact they believe they gave me proper notification then please have them send me the certified receipt with my name on it. I want names, phone number, address and email address for everyone who allegedly validated this debt.
Consumer complaint received 2023-05-25
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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS (MT)

I have tried multiple times to correct errors by sending dispute letters and I have contacted XXXX XXXX XXXX  by voice with no result so I would like to request that CFPB step in and help. On XXXX XXXX I Received a LexisNexis Report. Consumer Number XXXX, XXXX XXXX XXXX. My first concern is that I have Security Freezes on all the credit reporting agencies including XXXX and LexisNexis. How was this information sent to LexisNexis from XXXX with the security freeze in place? I will attach page 1 of 20 showing the sharing of my credit information. The second Error I found is the accurate reporting of information on my LexisNexis - XXXX - XXXX XXXX XXXX  credit information. BY Law FCRA Section 611 Furnishers and Credit Reporting agencies are to report information Accurately and is Complete If information is incorrect or incomplete the account is to be DELETED. Located on Page 5 of 20 XXXX XXXX XXXX  Report contains multiple ERRORS. XXXX XXXX XXXX XXXX Account Number XXXX. This account was reported for incorrect amount of {$24000.00} correct amount {$24000.00} ( INACCURATE ) .I will attach a copy of the from XXXX XXXX XXXX  which will show the payment history - which will show the errors. ( ERROR 1 ) - Status ( Discharged through Bankruptcy XXXX XXXXNever late ) This account was not discharged but was REAFFIMED meaning the account continued to be paid - paid in full with a zero balance,. ( ERROR 2 ) The payment history shows payments through XXXX of XXXX of the credit report. Please look at the attached payment history from XXXX XXXX bank you will see that the last payment was made XX/XX/XXXX. THIS IS OVER 3 YEARS DIFFERENCE from what is reported????? This loan was paid in full, on time, and to a zero balance. Many of the Categories of this report have been filled in with " Not Reported '' leaving the report INCOMPLETE. 
Terms " Not reported '' This account was in place from XXXX to XXXX ( ERROR 3 ) Recent balance " Not reported '' ( ERROR 4 ) High Balance " Not reported '' ( ERROR 5 ) Monthly Payments " Not Reported '' ( ERROR 6 ) Recent Payment Amount " Not reported '' ( ERROR 7 ) Date of Status -Incorrect - This account was paid in full the last activity was XX/XX/XXXX ( ERROR 8 ) This account was paid in full, with no late payments, the account should have been listed as a positive account. ( ERROR 9 ) By law tis account should show ACCURATE and The information should not be missing information. This account has shown multiple ERRORs and is incomplete making this INACCURATE. XXXX XXXX XXXX  has verified this account even with the attached information showing it is not.
Consumer complaint received 2015-07-15
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am filing a complaint against Bank of America. For the third time I have been sent a Mortgage Modification dated XXXX XXXX, XXXX. The modification that was sent doubles my current payment and there was a modification that has been completed, filed and recorded in XXXX County, Florida I have a completed Modification that was recorded XX/XX/XXXX. This is the second time I have filed a complaint against Bank of America for this same issue. I was assured by their Resolution Department earlier this year that the issue had been resolved.
Consumer complaint received 2023-05-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (AZ)

my account was suddenly been closed without any advice or phone call they did mentioned its already closed when i was by chance i went to the bank and request a deposit slip form the main reason that they closed my account they are verifying the pay check that i have deposited and what they did is closed the account and removed all the funds that i have on that account without notification or email. they have closed my account XX/XX/2023 the action that they did is just provide me a number to call on i did call the number is a customer service and they told me they are on the process of verifying the check that i have deposited but the verified number they have is not responding to their call until no one answer to their concern the fund that i have on my account stay with them
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

Account doesn't state an opened date but has a first delinquency of XX/XX/XXXX. This account appeared on my report on XX/XX/XXXX Payment Status states UNPAID Amount {$650.00}. Company Name : Collection Agency is CCS Collections, and the report also has the original creditor listed as XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Department : CCS Collections Company on my credit report is a direct violation of the no surprises act. I don't know who they are, and I never received any type of notice of this account by way of mail nor email. It just appeared onto my credit report the beginning of this month which is clearly a direct violation of the No Surprises Act and needs to be deleted immediately.
Consumer complaint received 2017-07-18
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. (IL)

Credit report agency refuses to delete unverified and inaccurate information on my credit report. I have disputed these  2   XXXX  account information as inaccurate with them several times, and they have come back to me and stated they were able to verify this debt. How is this possible?   Here is a clear case of unverified debt, and I urge you to remove this item before I am forced to take legal action.     Credit report agencies are scammers targeting elders like myself that they perceive to be vulnerable -- those that are   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , unfamiliar with handling their own finances.   Exploiting deceptive financial practices designed to confuse and pressure seniors in order to hustle them out of money.     FCRA requires that all  Credit Reporting Agencies are supposed to verify received from creditors before this information is added to your credit file.    Proper verification according to established case law involves the credit bureau having copies of the original signed credit application in their files. They are required to have a copy of the credit application that you signed when you opened the credit account with the creditor in their files. They are supposed to have it in their files to show that they verified the information and account belongs to you and to show that they verified the information before they placed it on your credit report.     The truth of the matter is the credit bureaus dont review any documents let alone keep a copy of your credit application in their files. They NEVER see any documents.     In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA.   While I prefer not to litigate, I will use the courts as needed to enforce my rights under the
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom thi s may c oncern I  XXXX   XXXX  sent a certified letter and fax to Transunion and  XXXX  on  XXXX   XXXX    XXXX  . The letter was a paid for deletion to the company  XXXX   XXXX   XXXX   XXXX   XXXX  . Current Creditor  :  XXXX   XXXX   XXXX . the account was sold by  XXXX   XXXX    XXXX  . This letter stated that if the company agreed to cash the check that all the credit bureaus would delete collection off file the amount was  XXXX . I spoke with a  manager a t the company  XXXX  and he stated it would be removed.   XXXX    has deleted the collection from file but Transunion has n't. Also  XXXX   XXXX  is reporting the account inaccurate the account is paid so it looks like there are  XXXX  charge-off on my credit. The only action that was taken by Transunion is the collection has a  XXXX  balance when it should be deleted per the contract.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently reviewed a copy of credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible. 

Fraudulent account : -XXXX XXXX XXXX XXXX {$240.00}
Consumer complaint received 2023-05-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION (PA)

A deposit was made into my account with XXXX XXXX which is a division of Webster Bank on XX/XX/2022 in the amount of {$40000.00}. The deposit came from XXXX XXXX  XXXX bank. The XXXX XXXX  XXXX account belongs to a friend of mine. I received an email stating the deposit cleared the account. I do not have checks or debit card to access this account. I attempted to transfer the money to my primary account which was at XXXX XXXX  at the time. I received an email from Webster Bank stating the transfer had been initiated. A few days later I received another email from Webster Bank stating the transfer has been stopped. I have made several calls to XXXX XXXX. I have spoked with multiple representatives. Every time I call all they will tell me is my account is under investigation. I have been getting told for 6 months by the various representatives at XXXX XXXX that my account is under investigation. However nobody can tell me why it is under investigation or how long it will take to complete the investigation. 

I really need to get this issue resolved as soon as possible.
Consumer complaint received 2017-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Credit report agency refuses to delete unverified and inaccurate information on my credit report. I have disputed these  2   XXXX  account information as inaccurate with them several times, and they have come back to me and stated they were able to verify this debt. How is this possible?   Here is a clear case of unverified debt, and I urge you to remove this item before I am forced to take legal action.     Credit report agencies are scammers targeting elders like myself that they perceive to be vulnerable -- those that are   XXXX  ,   XXXX  ,   XXXX   XXXX   XXXX    XXXX , unfamiliar with handling their own finances.   Exploiting deceptive financial practices designed to confuse and pressure seniors in order to hustle them out of money.     FCRA requires that all  Credit Reporting Ag encies are supposed to verify received from creditors before this information is added to your credit file.   Proper verification according to established case law involves the credit bureau having copies of the original signed credit application in their files. They are required to have a copy of the credit application that you signed when you opened the credit account with the creditor in their files. They are supposed to have it in their files to show that they verified the information and account belongs to you and to show that they verified the information before they placed it on your credit report.     The truth of the matter is the credit bureaus dont review any documents let alone keep a copy of your credit application in their files. They NEVER see any documents.     In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA.   While I prefer not to litigate, I will use the courts as needed to enforce my rights under the
Consumer complaint received 2017-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

As a result of the XXXX breach, I 've been trying for days to request my credit report from annualcreditreport.com online. Each time, I have received a message "... can not be fulfilled online at this time, based upon the data provided. '' Today 's message included more information : " To request your Free Annual Credit Report by phone, please call ( XXXX ) XXXX. '' The alternate solution was to request the information by mail. 

I did NOT want this private information delivered by mail because of frequent Post Office misdeliveries. So, I called the phone number provided and gave the exact information that I 'd given previously to get it online : Name, address, ss # and DOB. Given a choice of the three companies, I chose TransUnion. I assumed the next step would be for me to talk to a person and provide additional information to verify who I am. 

Instead, the auto-call abruptly ended with a message that my credit report would be mailed to my home in a few weeks! I am so upset that security is so lax with my personal information, and that I had no choice to opt out of them mailing it to me. I fully expected that whatever the glitch they detected in filing online would be resolved by the phone call and I would immediately receive the report by email. 

In addition to being one of those whose information was compromised according to XXXX, my detailed information is now being sent by snail mail, without the benefit of challenge questions. It 's irresponsible!
Consumer complaint received 2023-05-25
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: BARCLAYS BANK DELAWARE (WV)

Barclays Bank has said they can not help me regarding this dispute. I provided them with the credit vouchers that I found in my contract documents with XXXX XXXX, both of which were not signed by me. 

This card was not authorized by me nor were these charges. 

My contracts with XXXX XXXX have been cancelled. If Barclays Bank can do business with such a scam as XXXX, it puts them in the same category, scam artists. 

Barclays said to take it up with XXXX. Since Barclays is harassing me for payment when they were never given authorization to open a card for me or put any charges on it.
Consumer complaint received 2021-03-22
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (NC)

On XX/XX/XXXX, I opened a CD account at SunTrust, XXXX XXXX XXXX in XXXX, NC. The fixed interest rate for the XXXX CD was for .05 %. The maturity date was XX/XX/XXXX. XXXX XX/XX/XXXX, I returned to SunTrust and asked banker XXXX XXXX to credit my account for the full interest rate due to me as per our written agreement. He told me the interest I earned was XXXX cents and cut me a check for XXXX. 

I asked him to show me the calculator that the bank was using. We went into his office and he inserted my information online, and the interest rate that appeared on his computer was XXXX cents. He said that the bank " had a special formula '' for calculating interest rates. Something was wrong with his computer. 

{$2000.00} x XXXX should have yielded me {$100.00} in interest. Not XXXX cents.