davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I want to see if there is any way I can qualify for the  Public Service Loan Forgiveness Program.    I consolidated my federal student loans in  XXXX . I have made income based repayments since that time and have been continuously employed by state government since  XXXX . When th e PSLF was  enacted in  XXXX , my loan servicer did not make me aware of the PSLF program. Had I been made aware of the program, I could have reconsolidated my loans into  a Direct Student Loan and w ould then be eligible for forgiveness of the remainder of my loan in  XXXX ,   XXXX  . I believe it was unethical for my loan servicer to withhold this information from me and, with the help of the cfpb, I am hoping all those borrowers in my situation will find relief - either directly through the PSLF program of by holding our loan servicers accountable. Please let me know how you can help and what other steps I can take. I have about {$80000.00} in outstanding  XXXX  school loans which would be eligible under this program.   Thank you!
Consumer complaint received 2024-03-18
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: TD BANK US HOLDING COMPANY (OR)

I had a TD Bank credit card which I last used in early XXXX. Although I cant say with certainty when my credit card was stolen, when I noticed fraudulent charges on my statement, on XX/XX/XXXX, by phone, I disputed the charges for {$5400.00} incurred between XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I disputed the charges posted on XX/XX/XXXX and XXXX. I closed the account to ensure that there would be no further fraudulent charges. In correspondence dated XX/XX/XXXX, I was informed that there had been a determination that no fraud had occurred. The sole justification included was that " similar transactions were authorized by you, and the spending pattern is consistent with previous account history. '' No further explanation was given, nor was I ever contacted to provide additional information. It is clear that a thorough investigation was not conducted as the fraudulent spending included over 20 car related transactions and I do not have a car and have never made vehicle transactions similar to the pattern used by the thief. I worked XXXX from XXXX Monday through Thursday during the time period in question. By phone on XX/XX/XXXX, I requested the documentation used in making the decisions. I have yet to receive this information. Subsequently I received a letter dated XX/XX/XXXX informing me that payment was due on the disputed fraudulent charges. I sent a certified letter with return receipt requested noting my continued dispute but the bank refused to sign for the letter. To assist in resolving the matter and to aid in my own understanding of the fraud I have listed the charges in date order. I have looked up addresses to the extent possible but because I am not a customer of these merchants, this information may not be complete.
Consumer complaint received 2020-09-29
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I have no business with XXXX XXXX XXXX Acct # XXXX in accordance with the Fair Credit Reporting Act this account has violated my rights. 15usc 1681 section 604A states I have a right to privacy 15usc 1681 also states a consumer reporting agency can not furnish a account without my written instructions. The original account is past the 7years of reporting according to the state of illinois
Consumer complaint received 2024-04-10
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (SC)

I received a letter from chase bank on XX/XX/2023 they close my saving account but I still have XXXX $ in my account. its been 7 Month they still not issue me the funds back. I went to branch at lease 4 times they checked for me but still cant solve my problem. The said my account was take care by their legal department if legal department not release the money I cant get my money back. this XXXX $ is from my monthly salary check. I deposit monthly check every month to chase bank for at least 2 years also from same company I dont know what takes that long and I ask them to check from my company or my W2 or my boss to verify seems like they dont do anything just holding my XXXX XXXX I know chase bank is very big financial center but please do something help people out.
Consumer complaint received 2024-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: MOHELA (WA)

On XX/XX/XXXX, I received an email from Mohela stating that my student loans were more than XXXX days past due which is not true. As previously stated Moehla received XXXX payments from me in XX/XX/XXXX for XX/XX/XXXX bill, XX/XX/XXXX for XX/XX/XXXX bill and XX/XX/XXXX for XX/XX/XXXX bill which I later found out that the administrative hold was placed on all accounts and no payments were due until XX/XX/XXXX. As a result, I asked for the money to be refunded which did not take place. Please see screenshots of payments as proof. For the months of XXXX and XXXX, I received statements from Moehla stating that no payment was due. On XX/XX/XXXX, I received a notice from Mohela stating that my payment was due on XX/XX/XXXX, so I paid it on XX/XX/XXXX to ensure its timely arrival. I later found out that Moehla, applied the XX/XX/XXXX payment to the month of XXXX and there wasn't a payment due in XX/XX/XXXX. I called Moehla several times and requested that they correct my bill and the supervisor stated that she would. She also stated that she would use my previous payments to pay my bill forward to XX/XX/XXXX but that has yet to happen.
Consumer complaint received 2024-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

XXXX XXXX is reporting false and inaccurate information on my credit report. They are showing a balance of {$800.00} which is false and inaccurate. When I disputed with them, XXXX XXXX stated that they sold the alleged debt to a third party, XXXX XXXX XXXX. I then disputed the alleged debt with XXXX XXXX XXXX and requested they validate the debt. XXXX XXXX XXXX then sent me bills from XXXX XXXX. The last bill was dated XXXX XXXX for a balance of {$460.00}. According to my Equifax report the date that account closed was XX/XX/year> with the balance of {$800.00}. How is that within the same month there are XXXX very different balances? Ive also requested proper debt validation and they have failed to provide me with such proof. XXXX  XXXX is violating my right to privacy as a consumer, reporting inaccurate, false and damaging information to the consumer reporting agencies. They are in violation of multiple federal laws.
Consumer complaint received 2022-08-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TN)

on XX/XX/XXXX i closed my loan with XXXX XXXX XXXX XXXX. my loan sold at the closing table to home point financial. my total monthly payment at the time of closing was XXXX this included monthly MI XXXX, XXXX XXXX XXXX of XXXX, XXXX of XXXX and taxes of XXXX per month. my new home was new construction so the property taxes were an estimate at the time to be XXXX per year. when the tax bill came out later that year they were only XXXX per year so naturally i am expecting my payment will go down. my HOI did increase from XXXX to XXXX per year so i expected my new payment should be XXXX in XXXX of XXXX XXXX XXXX XXXX took XXXX from my escrow account and erroneously paid someone elses property taxes. then they sold the loan to freedom mortgage. i had no clue at the time. it was XXXX of XXXX that i became aware that something was wrong. i happened to notice that my escrow account was substantially negative so i went to my sister-in-law, who is a mortgage broker, for guidance. i contacted freedom mortgage and pointed this out and asked them to fix this and they said it would be fixed by XXXX. instead of fixing the issue they reassessed my escrow account and sent me a statement on XX/XX/XXXX saying that my new payment will be XXXX!! i have explained this error multiple times to multiple people at both XXXX XXXX XXXX and at Freedom Mortgage. no one seems to want to fix this. XXXX first said that XXXX made the mistake and would have to reimburse the XXXX but then XXXX said they sold the loan to Freedom so they are no longer responsible for the error regardless that they made it. Freedom keeps saying they are going to fix this but as of XX/XX/XXXX by escrow account is still negative, they have not reimbursed my escrow account. they did reduce my monthly payment to XXXX but this is still NOT correct. my next payment is due on XX/XX/XXXX and this needs to be corrected!! i spoke to XXXX in escalation ( at Freedom ) on XX/XX/XXXX and she assured me, actually PROMISED me that it would be fixed by XX/XX/XXXX. i have been very patient with waiting for all of this to be corrected but that patience has RAN out as they still have not fixed ANY of this! I feel I had no choice but to file this complaint. This is NOT how i expected my first home purchase to go. Freedom did pay the correct tax bill for my property and absorbed the {$14.00} late but that is it. Please HELP ME GET THIS RESOLVED. They are not doing what they keep telling they will do. this is wrong. Thank you
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus has 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
Consumer complaint received 2020-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P. (TX)

There is credit reports older than 10 years showing as just opened. I have 2 seperate child support delenquit payments showing. I only have XXXX child case. Some of my name 's showing are wrong. Derogatory marks from a bank
Consumer complaint received 2020-09-29
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. (CA)

Dear administration, Thank you for your help, my address changed for real now, however Experian send me a letter where wrote all my credit report correct and credit what was paid full and this request do my husband XXXX XXXX for finance a car, not removed. 
Three request what I never do not removed too. 
I do understand from this letters any member of family credit request can be added to my credit report if they need or someone want? What about neighbours in my area? Second questions, - I have XXXX grandchildren, are you add their request to me too? 
Please remove credit request from my report what I never to do! 
I do not request cars finance, I was send you a list request what was done by me! I am do not request you clear all my report, part request I do. 
My opinion a person who make this mix in my credit report try still information and take green card for self what is illegal, they try still date. 
Please help me, alternative I must be move this evidence to the court. 

Best regards, XXXX XXXX
Consumer complaint received 2024-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (CT)

I rented a car from XXXX XXXX in XXXX. The vehicle 's window was smashed when the car was broken into. I received no communications regarding paying the damage until XX/XX/year>, when I was emailed a " final notice '' notifying me that I had ten days to pay the debt or it would be forwarded to a collection company. Notably, that notice did not include any information about how to pay the debt electronically. I responded to the email requesting information about how to submit the claim to auto insurance, but received no response. I decided to mail a check to avoid having the debt go to collections, in large part because the only information in the letter to pay the debt was about mailing payment. By XX/XX/XXXX, I saw that the check had not been cashed, so I XXXX  how to pay the debt electronically. I made a payment via credit card, and submitted a " stop payment order '' for the check to my bank. I emailed XXXX  to explain the situation regarding the check, and evidencing my payment via credit card. The company responded, stating they had received the electronic payment, and providing me a letter closing out the debt on XX/XX/year>. I later received a phone call in early XXXX telling me that the check I had mailed had not been valid, and that the debt was not paid. I clarified verbally that the debt was paid electronically on XX/XX/XXXX, and the debt was already closed. On XX/XX/year> I received notice that the debt was sent to Transworld Systems for collection, despite the fact that I paid the debt on time, I was not given sufficient information to submit an insurance claim, and I clarified that the debt had been paid when there was miscommunication regarding the check. I believe my consumer rights are being violated as a result of this attempt to collect a debt I have already paid. As evidence of my complaint, I am attaching a copy of the correspondence I have sent to the debt collector, including evidence the debt has been paid.
Consumer complaint received 2024-04-11
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: Westlake Services, LLC (TN)

To Whom It May Concern, I sent out a letter to XXXX on XX/XX/XXXX and never received any response. I will disclose the letter below : Dear XXXX, I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 

The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX XXXX  on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from Westlake Service Inc on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXXXXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-04-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CT)

I reluctantly opened a Venmo account after receiving money as a gift. AFTER Venmo allowed me to transfer the money to my checking account, they froze my account. 

They are requesting that I unload my checking account statement. I will NOT do this under any circumstances as I will NEVER use Venmo ever again. 

I want my account closed immediately.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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 Account Number : XXXXXXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2023-02-08
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. (NJ)

XXXX has charged me XXXX dollars for a cell phone I never had. I dont have an account with XXXX  nor any services from them. I disputed the mark on my credit report in trans union and they said it was a legimate charge.
Consumer complaint received 2023-06-09
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. (FL)

There is information thats on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My report to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX/XXXX XXXX- XXXX XXXX true identity fraud/account fraudulently opened. 
XXXX XXXX XXXX true identity fraud/account fraudulently opened. 
XXXX XXXXXXXX XXXX XXXX- XXXX Claims true identity fraud/account fraudulently opened. 
XXXX XXXX XXXX XXXX balance {$1200.00} Claims true identity fraud/account fraudulently opened. 
XXXX XXXX XXXX XXXX balance {$520.00} Claims true identity fraud/account fraudulently opened. 
XXXX XXXX- XXXX Claims true identity fraud/account fraudulently opened. 
XXXX XXXX XXXX Claims true identity fraud/account fraudulently opened. 
XXXX XXXX XXXX XXXX Claims true identity fraud/account fraudulently opened. 
XXXX/XXXX XXXX- XXXX Claims true identity fraud/account fraudulently opened. 
XXXX/XXXX XXXX- XXXX Claims true identity fraud/account fraudulently opened. 
XXXXXXXX XXXX XXXXXXXX XXXX Claims true identity fraud/account fraudulently opened
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (GA)

In accordance with the Fair Credit Reporting Act, the following companies have violated my rights : XXXX XXXX Accounts ending in XXXX and XXXX XXXX Account ending in XXXX Chase/ JPMCB Card ending in XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for and purpose.
Consumer complaint received 2024-02-10
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: Paypal Holdings, Inc (CA)

I ordered a XXXX radio from geejfone website. I received conference email from PayPal. PayPal then sent emails I set up daily payments that automatically withdraw payment of and equal to the purchase payment I already paid. 

Customer service has offered nothing.