davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (AR)

Hello, I have been having consistent issues with my lender, regarding getting my student loan forgiveness process started. A about 4 years ago I was contacted by a counselor from XXXX-XXXX. She contacted me on behalf of the Federal Student Loan program. She stated that she had someone on the line that was wanting to speak to me about starting payments on my loans, and helping me enroll in the forgiveness program. After speaking with the man on the phone, he stated that if I made consecutive payments of about {$200.00}, for about 8 months, I would be setup with the student loan forgiveness program ( I have bank statements showing the withdrawal of these funds ). Fast forward to now and I am still getting calls and letters stating that the interest on my loans are still increasing, and now requesting payment. I contacted the loan department of education, and explained all of this to a young lady on the phone ( I also recorded this conversation if it is needed ). She advised me that there are 3rd parties that will charge you for this free service. I questioned her further and advised her that I was contacted by my counselor, and she called me and connected me to someone working for the Department of Education. She advised me that she would email everything that I needed to start the forbearance process. I sent all of the requested info. in, including my most recent pay stub. The process was only approved for a month, and then I received a letter stating that the information I supplied was not enough to determine my monthly gross pay. Again, I supplied all the information that she requested. This has been highly frustrating considering that I already paid money month after month, that I didn't have, to start a process that still hasn't started. This whole thing seems like a scam. I have also contacted a firm that is already working cases like this, and have been advised that my loans qualify for forgiveness. Any assistance you can offer would be greatly appreciated. Thank you for your time.
Consumer complaint received 2016-01-25
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (VA)

Filed for bankruptcy in 2010 with the promise of a modification but never happened they only proceeded with the threat of foreclosure. We got caught up and now after a discharge the same thing. The property is worth XXXX to XXXX below what we owe on it and realtors state that the house is not in condition for FHA sale. This was from XXXX realtors from XXXX different firms. When contacted Ocwen they only replied back with when can you make your next payment. We have spent XXXX of dollars trying to renovate property but it just not enough, we are so under water in the property that we 're starting to see seaweeds, slight exaggeration but that 's the feeling. The loan/refinance should n't have never been approved and we are partially to blame and I take ownership in that regard but for the Ocwen not wanting to help out in no way Is just wrong. Please offer your assistance if you can as it would be most gladly appreciated.
Consumer complaint received 2022-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (FL)

Elan Services ( Fidelity ) filed in the credit bureaus that I missed a payment. Fidelity/ Elan Services has not sent me any letters or called me to notify. They did not try to reach out to me. I have received absolutely ZERO communication from Elan credit card Services on outstanding payments. 

I learned about the late payment because they filed in the credit bureaus and I got an email alerting me. I immediately called Fidelity/ Elan and made the payment I tried to fix/ negotiate the issue with Elan Services . I sent a letter that they received on XXXX/XXXX/XXXX  where I explained that my account with XXXX was closed due to divorce proceedings ( I am not obliged to have auto pay on ) and I had contracted Covid while overseas which impeded me to check on mails or do anything really since I was laying in bed. I provided evidence that I could not even check my mail as I was overseas. I sent a copy of the air ticket and of the XXXX diagnosis. I arrived back in the States in XXXX I did have similar issues with other banks such as XXXX and they understood my situation. However, XXXX reach edit to me via a letter that I was able to read and act upon and they did not file anything to the credit bureaus. Fidelity/ Elan services HAS not reached out to me. They did not send any letter to me either. I checked when I returned. 

My complaint is that Companies like Fidelity/ Elan services should have notified me because they put me in notice for a very small value in the credit bureaus. It is disgusting that after being a customer for 5 years they treat me like that. And Frankly, even adding that I had XXXX  ( meaning I could not do anything as I was laying in bed ), was overseas and that they did not notify me, they are not willing to budge and remove the late payment status. I have considerable force majeure items that prevented me to make the payment such as Fidelity/ Elan services not notifying me and contracting XXXX XXXX 

This is an awful company and I would like your support to revert this.
Consumer complaint received 2023-07-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (PA)

My bank account woth welfargo was closed they had charged me with well over XXXX in return check charges and overdraft fees when the transactions were already cleared out of pending they would put them back in pending and move the transactions around to delay the processing so if I was XXXX penny sort it shouldn't of allowed the debit to go there instead they allowed it and charged me thousands of dollars I even went and took photos once I realized when was going on and I complained with them but they said no im wrong.
Consumer complaint received 2018-09-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

My XXXX credit card bill is due on the XXXX every month. On XX/XX/2018 I made a payment of {$50.00} over the phone with a lady named XXXX. I confirmed with her that the amount I paid was correct. She said yes that is correct. The following month on XX/XX/2018I went to shop at XXXX XXXX, and I was told by a worker in XXXX name XXXX at the XXXX location in XXXX CA who told me that my bill was not paid. I told her that I did make the payment and he told me I would have to call customer service. So then I called the XXXX customer service over the phone and I explained the situation to them. I spoke to a gentleman named XXXX. I explained to him that my XXXX bill was not late because I had already made a payment of {$50.00} on XX/XX/2018. He said he would look into it, so he did some research and came to the conclusion that I was short an extra {$5.00} on the bill. He said he would wavie the late fee as well as other charges that I had on my account because it was not my fault that I was not told the entire amount for my biil that day on XX/XX/2018. He did that so that my account would be back current and I won't have a negative impact on my credit report. I have just received my credit report today and I have a 30 days late negative impact on my credit report that needs to be removed asap.
Consumer complaint received 2022-05-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have been with Capital One since I was XXXX XXXX XXXX and have had minimal issues until now. On XX/XX/2022 I received a text message from the Fraud department asking if I attempted to make a purchase in which I replied no. My card was charged 3 times for a total of {$110.00}. I went to a gas station the day before this incident and must have dropped my card without realizing it. I called to dispute the payments at which some point the customer service rep asked me if I had my debit card with me. I assumed I had the card without checking to see if I actually had it and told the representative that I did have it. Because of this they have denied my claim and stated that I authorized the payments since it was chip enabled. They credited my account for the full {$110.00} but will remove the money from my account since the claim was denied. Ive been with capital one for over 11 years and have only disputed a payment less than a handful of times. I have tried to appeal their denial but they are not willing to solve this problem. I dont understand how Capital Ones XXXX department notified me of these purchases but denied my claim. I am beyond frustrated and upset.
Consumer complaint received 2021-02-13
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. (MI)

Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Congress made it know to a federal protected consumer that XXXX, Transunion and XXXX must have your written instructions from the consumer. I never gave XXXX, Transunion and XXXX any written instructions no consent is identity theft. They never did their investigation right according to federal law. They never talk to my neighbors friends or associate. Pursuant to 15 U.S. Code 1681a - Definitions ; rules of constructiona ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associat
es of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Remove all accounts
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

My mortgage servicer, XXXX XXXX, is reporting a higher unpaid balance that what it owed. I disputed this with them at the start of the year and it was corrected and now it has happened again. My unpaid principal balance as of XX/XX/2022 is/was {$130000.00}. They reported for XXXX {$130000.00}. They are stating that they have to report past due interest, fees, and escrow. Until recently, they have never reported anything but the actual balance. This is effecting both my wife and my credit.
Consumer complaint received 2019-11-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Global Credit & Collection Corporation (FL)

I had a XXXX  Card and then entered into a debt counseling program. There was an outstanding balance from XXXX that was turned over to Global Credit and Collection ( Global ). My issue is with Global. I  received a letter in XXXX. I mailed a check in the envelope and stub printed and sent to me by Global. It was to a PO Box . It was returned by the USPS. I tried calling Global, I either get XXXX wanting a credit card number or I get voicemail box. No way to pay online was provided in the letter. I filed a XXXX Complaint. Global stated the PO Box is valid, but, provided a STREET ADDRESS and a web address, after three exchanges through XXXX. I attempted to pay the {$34.00} I owe online. I get a message that payments must be greater than or equal to : {$200.00}. I DO NOT OWE ANYWHERE CLOSE TO THAT AMOUNT. I do owe the {$34.00}. I tried calling XXXX  to pay them dir, but, once an account is turned over, they can no longer accept payment. Global seems to be a very unprofessional and scamming organization. Theres no business website that I could find. Requires a payment WAY ABOVE what I owe, I cant speak to someone here in the States. I have a check ready to mail, but, I am rather hesitant because I dont trust Global. Please look into this organization. Seems like a rip off, scamming organization.
Consumer complaint received 2018-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

I requested SCRA benefits for my Citi Platinum account that I acquired before I joined XXXX XXXX on XXXX XX/XX/XXXX. I acquired this account in XXXX with a credit limit of {$2000.00}. I was told that my benefits were approved but because the card was charged off, there were no adjustments made. The date the card was charged off was XX/XX/XXXX. Payments were still being made to the account and the last documented payment of {$140.00} was made on XX/XX/XXXX ( verified by the customer service representative today XXXX XX/XX/XXXX ) which put my account at a {$0.00} balance. They could not tell me the amount of the charge-off because of the account being closed but assured me that I had a {$0.00} balance. When I asked the SCRA department how did they get this information as I was expecting an adjustment ( interest rate was 28.99 % ) with the account being at a {$0.00} balance since XXXX, they said that they went by my statements. I ask about that because I was told they could not retrieve the statements so how could they verify that an adjustment would not be made to my account. I have tried to call customer service multiple times over the past month ( I have a copy of phone to show the amount of calls ) about obtaining my statements and called today to acquire my statements since that is what I was told by the SCRA unit was used to make a determination to be told that because the account is closed that they could only provided me with a {$0.00} balance statement and they do not have the statements to provide me.
Consumer complaint received 2016-01-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FirstPoint Collection Resources (NC)

I do not have unpaid debts. I continue to receive calls from First Point Debt Collection stating they are a debt collector that needs to get in touch with me. The phone number I receive calls from is ( XXXX ) XXXX.
Consumer complaint received 2024-03-08
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. (FL)

Information that I previously informed you the Consumer Reporting Agency on or around XX/XX/2023 that was a result of alleged identity theft pursuant to 15 U.S.C. 1681c-2 and providing to you all the appropriate document inclusive of a FTC identity theft report and police report has no been reinserted into my consumer file as evidence on my consumer report.

I have not received any form of written or unwritten notification from you the consumer reporting agency in compliance with the FCRA section 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( Requirements Relating to Reinsertion of Previously Deleted Material ) section ( ii ) Notice to consumer. 

Information furnished by : XXXX XXXX XXXX ; Date Assigned; XX/XX/2023 ; Amount : XXXX ; Account Type : XXXX
Consumer complaint received 2024-03-08
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. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-05-23
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: Freedom Mortgage Company (GA)

Reporting act XXXX Account # XXXX, has violated my rights. 
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 a account without my written instructions. 
XXXX5 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

in accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-05-23
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. (FL)

Hi my name is XXXX XXXX. I have never done business with XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX. I have the right to demand and see the contract between XXXX and myself! Please send the proper validation
Consumer complaint received 2022-05-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CURO Intermediate Holdings (GA)

This was a loan scam where the person was impersonating an representative from Speedy Cash. A loan company that I have never submitted an application too. I mistakenly gave out my account info and login info to my account. I received an online bank deposit and was told to go to XXXX or XXXX to get gift cards. If i did not get the gifts cards I was told that I would lose my job and that a police report would be filed against me. 

XX/XX/XXXX gave out my account info XXXX received an electronic check deposit that was not authorized for XXXX. 

XX/XX/XXXX was told to put all of that money on XXXX gift cards or I was going to jail, going to lose my job or have a police report filed against me. 

XX/XX/XXXX immediately changed account password XX/XX/XXXX spoke to XXXX XXXX XXXX to submit a claim
Consumer complaint received 2022-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently filed a complaint, your ID number XXXX. 

The investigation for this account on my credit report has exceeded the 30 days allowed for investigation. I have attached the images below confirming when my original letters were submitted to all 3 Credit Bureaus which confirms the dates of receipt. 

Per the FDCPA, under law, if a credit reporting agency fails to complete an investigation within 30 days, the account/and or trade line must be removed. 15 U.S. Code 1692g
Consumer complaint received 2022-04-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/13 I received an email that a checking account was opened in my name with capital one banking. I then received emails that my email and phone had been updated. I have restricted the account but need it closed as soon as possible.
Consumer complaint received 2022-05-23
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-12-16
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I submitted a {$23000.00} check it was a third party check of my son 's that I'm the power of attorney for his finances well he's XXXX they cashed the check on XX/XX/XXXX and it was submitted into a family members account and they were {$850.00} overdrawn and since then they refuse to release the money to me so they were supposed to release the money back to my lawyer and as of today they have not yet and here it is 6 months later so I expecting XXXX after they take out {$850.00} buck