davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (ME)

I have been working with XXXX XXXX XXXX since the end of XXXX to get an affordable payment. I have called at least a dozen times. I have filled out multiple applications and submitted pay stubs multiple times because every time I call I am given a different answer. I still do not have an affordable payment and it is now the end of XXXX with a payment due XX/XX/XXXX. When I asked for a report of all the times Ive called and responses Ive received I was told that is internal information. So there is zero accountability on their part for the fact that it has taken them two months and they have not helped me at all. There is zero accountability for their mistakes but I am expected to make my payment which I cant afford. Today I finally spoke with a woman that partially fixed the problem. But it is simply due to the fact that I was lucky enough to get her on the phone which makes me question what they were doing for the past two months when they told me they were submitting applications. I feel that they do not handle things properly which is worrisome considering the amount of debt that they manage. I am frustrated that they are my only option for repairing these loans. I simply want to be able to afford my payment and make said payment. Not use forebearance time as they have suggested did to me when they dont know what to do. I have never felt so powerless and I feel that it is criminal that they have no accountability and that they dont need to answer to me the customer when they dont do their job. I think that I am well within reason to ask for that breakdown of what they have been doing for the past two months when Ive called. Ive spent countless hours on the phone with them figuring this out. Ive done my job. I feel that they and the department of education are criminals for the way that they handle these things. I have never felt so powerless and I feel that it is criminal that they have no accountability and that they dont need to answer to anyone when they dont do their job. I think that I am well within reason to ask for that breakdown of what they have been doing for the past two months when Ive called. Ive spent countless hours on the phone with them figuring this out. Ive done my job. I feel that they and the department of education are criminals for the way that they handle these things Something must be done.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

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 with my written instructions.
Consumer complaint received 2022-06-16
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. (MI)

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 with my written instructions.
Consumer complaint received 2018-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (MI)

On XX/XX/2017 I applied for the Synchrony Stash Rewards Hotel Credit Card. They advertised a promotional bonus of XXXX Stash rewards point after {$3000.00} of spend was met within 90 days. I applied for the card and was approved for the offer, but only received XXXX bonus points. 

Synchrony says that the XXXX offer was only meant for targeted users in an email, but I read the fine print on the application and no where did it say that. 

Numerous attempts calling Synchrony have not provided a resolution. Initially multiple reps said that they would issue the XXXX points at a later date. This never happened. Now they say I was not targeted for the offer and will not receive an additional bonus. They also did not provide any proof that I was not eligible due to the terms and conditions. 

This offer was publicly available on XXXX 's website, the application page did not ask for a special code, and the application page stated the terms would include XXXX points. Synchrony is not honoring their terms at the moment.
Consumer complaint received 2022-06-16
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 Acct # XXXX {$430.00} $ XX/XX/XXXX XXXX XXXX  Acct # XXXX XX/XX/XXXX XXXX XXXX Acct # XXXX {$170.00} $ XX/XX/XXXX XXXX XXXX XXXX Acct # XXXX XX/XX/XXXX XXXX XXXX  Acct # XXXX {$60.00} $ XX/XX/XXXX XXXX XXXX XXXX XXXX Acct # XXXX {$1600.00} $ XX/XX/XXXX XXXX XXXX XXXX Acct # XXXX {$1100.00} $ XX/XX/XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the rights 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 2020-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (NJ)

ONLINE INFORMATION SERVICES XXXX XXXX XXXX XXXX NC XXXX XX/XX/2020 To Whom It May Concern, I dispute your claims in their entirety and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Sincerely, I provided a letter above and I haven't received anything back referring this inaccurate information Asking to validate this account, this is incorrect, now I refuse to pay this debt 15 USC 1692C. 

Also 15 USC 1692K states any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}
Consumer complaint received 2018-04-14
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 (AZ)

{$1300.00} charges that i was never made please look at attachment. 
I have called these places to refund my money and then they hang up on me i never purchase anything in addition i talk to barclayed and i told them those are not my charges and they never returned my money back please help thank you
Consumer complaint received 2018-05-01
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Financial Freedom Mortgage, LLC (MD)

I had received a call about refinancing with Financial Freedom Mortgage , LLC. These people were all quick to get all of my information and even the vice president of sales visited my house for me to sign some paperwork. After that, I had a heck of a time getting in contact with ANYBODY from this company. I was told that I had to call their appraiser to set up a time for the appraisal. That made no sense. The appraisal was done on XX/XX/XXXX and here it is XX/XX/XXXX and I still don't have it! Apparently the underwriters have it but they cant give out information! So I paid {$480.00} for something they will not give to me. I had to stop the loan process due to getting laid off from my job so now NOBODY answers emails or phone calls!! I either need my appraisal or my money back. I complained to FHA and they said there was nothing they could do but they gave me your email address to contact you. Thank you for any help you can give me on this matter. The company 's information as well as mine is listed below. 

Thank you so much, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Financial Freedom Mortgage , LLC New Jersey Corporate ADDRESS : XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, NJ XXXX NJ NMLS # XXXX Tel : XXXX
Consumer complaint received 2018-05-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

I consolidated my graduate loans with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/2009. Apparently, my loans were transferred to several Service providers and consolidated again. Navient is now telling me that I owe twice as much. I have sent proof from my school showing that I only owe half of the amount Navient claims. I have repeatedly tried to get them to investigate and even got in touch with the Ombudsmen. Apparently, the Ombudsmen work for Navient. 
I have called and called and called and am continually transferred from one department to the other. 
I can not get anyone from Navient or the Department of Education to thoroughly investigate my loans.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

In Accordance with the Fair Credit Reporting Act XXXX XXXX BANK 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 with my written instructions.
Consumer complaint received 2022-06-16
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. (MI)

In Accordance with the Fair Credit Reporting Act XXXX XXXX BANK 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 with my written instructions.
Consumer complaint received 2022-02-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (UT)

This notice with the CFPB serves as my written response to the Resurgent Acquisition LLC dated from their mailed letter XX/XX/22 that I have no knowledge of this alleged debt and request for it to to be sent back to the original creditor.
Consumer complaint received 2024-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (FL)

Unable to contact a live person to inquire about a new home equity line of credit fee when I don't have a home equity line of credit with this company. computer generated/recorded assistant will not allow me to speak to a live assistant. 
Tried their live chat assistant, and was informed that its live assistants were busy helping others and option to have someone call me back was not an option.
Consumer complaint received 2020-11-06
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: BARCLAYS BANK DELAWARE (GA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-07-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (DE)

On XX/XX/2020 I initiated a mortgage loan application with Wells Fargo to refinance my existing mortgage and requested a cash out to pay off my existing XXXX XXXX loan. Both loans are with Wells Fargo. The amount requested was initially {$120000.00}. On XX/XX/2020 I received a commitment letter approving my loan request. An external appraisal was ordered on XX/XX/2020 and was issued on XX/XX/2020 indicating a house value of {$310000.00}. A closing date was scheduled for late XXXX, but was rescheduled for the first week of XXXX. On XX/XX/XXXX I received a phone call from the bank informing me the bank wouldn't close on the loan because of policy changes that were were put in place while my loan application was in the pipeline. These changes became effective on XX/XX/XXXX and XX/XX/XXXX. The 26th policy change suspended interior inspections for the appraisal because of COVD-19. As such, my loan could not close. The 27th policy change suspended cash out refinance loans. As such, my loan could not close. Both of these actions were applied retroactively, as my application was accepted on XX/XX/XXXX and despite these policy changes, I received a commitment letter dated XX/XX/XXXX. A formal declined letter was issued on XX/XX/2020. Wells Fargo failed to keep me informed of these policy changes and made false representations to me during the course of the loan approval process.
Consumer complaint received 2018-05-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMCOL Systems, Inc. (NC)

Notified that this debt after it was placed on my credit report ; reached out to collection agency to dispute the debt. I asked them to send verification of the debt and they haven't. I also mentioned that my identity was stolen and that I have notified the police and I have a police report. 

This account does not belong to me. It should be removed. 

Police Report Number - XXXX ( XXXX of XXXX NC )
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

In Accordance with the Fair Credit Reporting Act XXXX XXXX BANK 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 with my written instructions.
Consumer complaint received 2022-06-16
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. (NC)

The Credit bureaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 




" I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Experian credit agency is reporting debts, names, addresses, accounts, and social security number variations incorrectly. I filed my complaints several times electronically and by phone. They will not send me copy of my credit report or show me the results of the dispute. Additionally they are showing credit score from XX/XX/2020 and after I have brought this to their attention they still are reporting the same. The investigations are taking well over 30 days and I do not ever get my calls returned. 
This is causing a hardship for my business and my personal life
Consumer complaint received 2018-04-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MI)

Coinbase somehow lost my money and locked my acct Then my acct that have been linked were unauthorized charges and money in my Coinbase acts started being sent out with out my approval Then locking my acct and charging me fees and not getting back to me or letting me withdraw my money
Consumer complaint received 2018-05-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I requested a copy of my credit report with all 3 major bureaus, and found erroneous information being reported by Portfolio Recovery. I am unaware of how they've obtained my personal information without my authorization/knowledge. 
In attempts to resolve the issue I mailed a certified letter on XX/XX/XXXX asking the agency to VALIDATE the alleged debts owed on said accounts ( 2 ) under the Fair Debt Collection Protection Act. I requested the agreement that I signed, the original contract, a copy of their state license for Maryland and a full calculation of the balance and payment history. 
I was provided a one month billing statement from XX/XX/XXXX-XX/XX/XXXX. 
This is not sufficient and doesn't prove obligation to the alleged debt. I am disputing this debt. 
They are also reporting delinquent /negative information to all 3 credit bureaus and I am requesting they be immediately deleted.
Consumer complaint received 2018-10-18
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Auto Trakk, LLC (OH)

Had a car financed through Autotrakk in XX/XX/XXXXfor {$18000.00}. Paid majority of balance with a perfect payment history with {$710.00} balance remaining in XX/XX/XXXX. Had some financial woes due to illness. Tried to work with company to pay off balance, they repossed car without warning. Company who collected the car towed the car on two wheels with no key and wheels locked. Car was taken to a city 2 hours away from where I live which prevented me from getting my possessions out of the car. They sold car without my knowledge or even informing me so I could never get my things. And instead of subtracting the profit of the sale from my balance, they increased my balance to show {$1500.00} owed on my credit. Recent call on XX/XX/XXXX with rep XXXX confirmed the accurate balance of {$710.00}. But each time I tried to dispute balance on my credit they made no changes or correction to the balance. Paid off account for {$380.00} on XX/XX/XXXX. But I'm sure car was sold for more than what my remaining balance was amd they never gave me the opportunity to get my car back when they initially took the car! That was unfair and should be corrected.
Consumer complaint received 2020-07-27
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. (AR)

On XX/XX/2019, I placed freezes on my credit files and reported identity theft due to an account being fraudulently opened with XXXX with my credentials. I contacted XXXX and they immediately closed the account as a fraudulent account. Ive disputed the hard inquiry on my XXXX report multiple times, but still the company refuses to remove it from my credit file. This is an error on Equifaxs part and it needs to be removed.
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX I did not approve this show me proof I already wrote a letter its been over 45 days no response Did not follow the Fair Credit ACT
Consumer complaint received 2017-09-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

I start a Loan application ( Refinance ) with two banks. One with CHASE BANK and other with XXXX XXXX Florida. Since  the start the loan application ( XXXX/XXXX/XXXX ) with Chase it was a nightmare. No answer-back, no emails answered, errors in the loan process all the way. In summary, the reason for complaints is that they cancel the loan because they could n't verify the employment verification. While the smaller bank called " XXXX XXXX '' did n't have an issue with the employment verification. The point is that the method they used was not sufficient and did n't do their job properly. I presented all the documents required for the loan, but at the end, it was Chase bank who could n't do their job in a simple, organized matter while the smaller bank did. I just do n't understand.