davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (IL)

XX/XX/XXXX - called Aidvantage to request refund of payments made during forebearance. XXXX approval for about {$9500.00}. Told I would receive check in XXXX weeks XX/XX/XXXX - called Aidvantage for update. Refund was processed on XX/XX/XXXX and would take XXXX weeks to receive refund. 
XX/XX/XXXX - called Aidvantage for update. They've done " all they can '' on their end, and now need to wait for government/treasury to cut check. Will not know how long it takes until my balance is updated in their system. From there, will take XXXX weeks to receive a check.
Consumer complaint received 2021-07-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fairway Independent Mortgage Corporation (CA)

On XX/XX/21 Fairway Independent Mortgage sent a loan estimate for XXXX more than the loan estimate they sent on XX/XX/21. I was told it would get fixed but the lender would not answer my phone calls. He would only respond by text. I acquired a preapproval from another lender. I contacted Fairway on XX/XX/21 and notified them of what the other lender had offered. At this point we were 2 weeks away from close of escrow. On XX/XX/21 Fairway Mortgage called and said they were able to get our loan to 3.125 %. they got XXXX on the loan, our payments were going to be XXXX per month including XXXX fees and our cash to close would be XXXX XXXX we had already put down. Fairway Independent Mortgage employee XXXX XXXX called me on XX/XX/21 at XXXX and gave us this offer. At XXXX on XX/XX/21 I text XXXX XXXX to verify that the XXXX we had already deposited was to be subtracted from the XXXX he said yes. The loan estimate I received on XXXX higher then what XXXX XXXX had told me on the previous day. I was told he was aware and was working on getting it fixed. Then on XX/XX/21 at XXXX I received an email from XXXX XXXX at Fairway Independent mortgage. He said he was handling our loan since XXXX XXXX was on vacation. XXXX XXXX XXXX then told me that we would need to put another XXXX in cash to get the loan approved. XXXX XXXX XXXX also told me that the cash to close amount of XXXX included the XXXX deposit we had already put down. So the cash to close amount went from XXXX on Sun to XXXX on XXXX. Fairway Independent Mortgage said they knew their employee was giving out numbers that they were unwilling to uphold and did nothing about it. This gives us 1 week to get new funding for escrow. XXXX XXXX XXXX told me they would not honor their employee 's numbers. It feels like blackmail and they are forcing us to either pay the additional XXXX or move back our closing which costs us money and frustration to get everything else moved back. 
I have saved all communications between Fairway and myself. Email and texts.
Consumer complaint received 2021-07-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (WA)

Dishonest credit reporting and supervisor suggested student loans can not be inaccurately reported or retracted ; I submitted my payments online and they were returned for inaccurate banking information which resulted in a ding to my credit and Firstmark attempting to leave it as is due to their own system errors. 

Background : I called and amended this in XXXX, the first time the error occurred, and asked for my bank information to be input correctly to prevent the error occurring again. It was not. Since then 2 payments were reversed ( that I received confirmation emails for ) and I had to call in to inquire as to why when seeing they had not been debited from my account -- my account information had not been amended as I asked in XXXX. 

My scheduled payments are auto-populated from their history ; the number transposed is " X '' 'd out. Again, the account number was never amended. 

This resulted in 30 day late reporting and a series of back-payments to catch up on. Despite me attempting multiple times to pay on time -- their service and lack of compassion and understanding hit me with a derogatory mark. I explained this to a supervisor who decided instead to get upset about having to file a credit retraction ( which she initially said she would not do ; she thinks student loans are not eligible for inaccurate reporting claims and " promised '' me it would be denied ) and only admitted she could do it after I pressed her on my familiarity with the laws surrounding Consumer Protection and the credit bureaus.
Consumer complaint received 2021-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have tried on NUMEROUS occasions to get Capital One to give me a credit line increase. My credit limit is still {$500.00}, the same since I got the card. I have a very good credit score, and XXXX XXXX who's card I got after Capital One ) has given me a {$7500.00} credit limit and regularly approves increases. 

Capital One sends an automated letter stating " recent use has been too low ''. I pay all my bills early or on time, and this is a lame excuse.
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO. (VA)

Back in XXXX XXXX day I woke up and saw my credit score go down by more than 200+ points. I got worried and pulled my credit report and saw a delinquent account on my report for chase bank credit card. I called chase and was told that I missed a payment of just {$80.00} therefore they put delinquency on my account. Chase bank never sent an official letter in mail or called me to inform me about the missed payment before marking it delinquent. 

I called chase they confirmed that they never sent an official letter or called me. Chase bank said they sent me emails which I never received. 

Nonetheless, delinquency on an account and being penalized for 7 years for just {$80.00} ( even though I earn a lot and have a good stable job ) is completely un fair to me. I can not buy a house in future, i can not apply for a govt job, my life is ruined. 

Though the credit card is fully paid, chase bank is reluctant to take that off my credit report. This is unfair to me. My life is ruined for {$80.00} missed payment which I was never informed off. Every bank/credit card sends reminders emails or whatever. 

Please help. My life and career is ruined.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I am habitually ignored by Fifth Third Bank ( address : XXXX XXXX XXXX. XXXX, XXXX, OH ) employees no matter when I call or what the subject matter is. I have been calling XXXX XXXX ( phone # : XXXX ) XXXX, apparently in the office of the President of Fifth Third bank to report to her XXXX ) changes in my monthly mortgage premiums due to changes in my home owner ins policy ; XXXX ) the fact Fifth Third reported me and my financial status to XXXX as being effected by Hurricane IAN which is incorrect. I continue to pay my mortgage monthly and do not want this notation on my credit report. 

She may believe it is more appropriate I call Customer Service but particularly because when I do that NO ONE calls me back, or their customer service skills are so bad I literally cringe when I speak with them, and because she has also evidenced this behaviour by not calling me back herself. I put a XXXX  call into her today and I am sure I will not hear from her. Based on the overall pandemic situation, which lingers and the unrest everywhere, I am not trusting of very much. And when I ask a specfic person to CALL ME BACK XXXX TIMES I EXPECT A RESPONSE!!
Consumer complaint received 2021-07-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

CapitalOne turned me down because they said XXXX gave them the following reasons. When I contacted XXXX, they said they CapitalOne turned me down because of XXXX of these general reasons. WHAT IS THE REASON AND WHY IS XXXX giving CapitalOne reasons that don't apply to me???? If I knew exactly why, I would try to fix it but this is going around and around. 

CapitalOne 's reasons : Time since most recent account opening is too short DOES NOT APPLY TO ME- I opened my XXXX XXXX in 2012 Length of time revolving accounts have been established DOES NOT APPLY TO ME- I no longer have a revolving account, paid off Too few accounts currently paid as agreed DOES NOT APPLY TO ME, I only have XXXX account and have paid it on time Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high DOES NOT APPLY TO ME, I DON'T HAVE A BALANCE on my XXXX XXXX XXXX! 
Number of inquiries on credit report I APPLIED XXXX FOR CAPITALONE VENTURE WHICH INCREASED INQUIRES ( they told me to reapply!!!! )
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

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. 

, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXX DEPTEDXXXX XXXX XXXXXXXX, DEPT OF EDUCATION/XXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPT OF EDUCATION/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 an account without my written instructions.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish and 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.

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.
Consumer complaint received 2021-07-02
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: JPMORGAN CHASE & CO. (NY)

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. P
Consumer complaint received 2021-03-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (CT)

I used to be a XXXX  customer and happened to getting internet service only from the company until on XX/XX/XXXX I've decided to leave the company after increasing my bill for up to over 50 % of the original package which was $ XXXX/month I had with the company when I first signed up with them back to XXXX. On XX/XX/XXXX I have made a payment in the amount of {$190.00} with XXXX which was the amount due on my internet bill at that time and to my knowledge my XXXX account for my internet services should automatically become current but that payment had never reflected on my account ; therefore I have switched to XXXXXXXX on XX/XX/XXXX which is the first bill I have received from the company. However, I've decided not to pay the month of XX/XX/XXXX with XXXX due to the fact I have contacted XXXX and paid for new internet services ; therefore XXXX has disconnected my services in the first week of XX/XX/XXXX then sent me a notice of disconnection on XX/XX/XXXX for past due balance of {$100.00}. On XX/XX/XXXX XXXX has released my bill report to a collection agency called Southwest Credit stating that I owe the company {$220.00} which is totally false and I have proof that my account was paid and current with XXXX on XX/XX/XXXX and besides XXXX has charged my account again for unreturned equipment which was returned in XX/XX/XXXX and I have a confirmation email from XXXX as proof.
Consumer complaint received 2021-07-02
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: U.S. BANCORP (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-07-02
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: National Credit Adjusters, LLC (VA)

I have filed a dispute in regard to the inaccurate items on my credit report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2021-07-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IN)

I was working with a private contractor for some home renovations. I received an email from the contractor asking for the down payment to be sent via Venmo. I opened the Venmo account and sent a total of {$4900.00} to the account requested. The first payment of {$2500.00} was sent on XX/XX/21 and {$2400.00} was sent on XX/XX/21. On XX/XX/21 I found out via a phone call from my contractor that his email had been hacked and I was receiving messages from the hacker and not from him. I contacted Venmo and they suggested that I reach out via the account and request the money back. Of course this did not work. They also recommended that I file a report with my local police department and have them contact Venmo and that they would cooperate with a police investigation. On XX/XX/21 I filed the report of theft with the PD. To date neither the police department or me have had any cooperation from Venmo. There has to be a way that Venmo has information on this fraudulent account and who holds it. They should at least be cooperating with the police on this matter.
Consumer complaint received 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have sent over 5 letters for Experian credit bureau to remove addresses that are on file that Ive never lived and are also business addresses and they are removing 1 at a time per letter or they will just update the addresses instead of all of them and Im tired of playing mailbox.
Consumer complaint received 2021-07-02
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: JPMORGAN CHASE & CO. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2021-07-02
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. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

Credit Bureau refuses to update my credit report.. my bank and student loan institution has reported numerous times that my account has not been late and the bureaus refuses to update information.. they just want to dispute the same account repeatedly.. I have credit monitoring for each credit bureau and even though the bureaus own credit monitoring department has the updated information the bureau still refuses to update results or help in any way.. I have credit monitoring results printed out but bureaus just reports the same information and say they dont have access to the monitoring section.. they send numerous alerts to me on updates to the report that I never get information on. Even though numerous changes have occurred after months of institutions sending information I have yet to see an updated report.. when I call they tell me what they see on the report refuse to update and I pay for another report week after week after week with no updates.. my bank had to send one report 6 times to get it updated and its still not correct.. even with dispute results corrected they refuse to update reports.. Ive been trying for 8 months with no help from the bureaus regardless of the info I have from their specific credit monitoring department.. I spend hours on the phone getting sent to different people or hung up on after sitting on the phone all that while.. I get told a different number to use every single time I call and still no results. Its like they want you to have bad credit.. Ive even had lawyers contact them with no results.
Consumer complaint received 2021-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/21 I attempted to transfer points from my Amex rewards account to my XXXX XXXX account and was told my account was frozen. I called and was told there was 3rd party fraud suspicion. I had logged onto my Amex account on my phone requesting the transfer. Amex told me I would have to wait at least 7 days for a review. I was trying to purchase award seats on XXXX XXXX that had just opened up and I will lose the opportunity if my points are not released by Amex immediately. No one at Amex I spoke with could find any evidence of fraud to my account.