davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TX)

I believe I am entitled to the XXXX  under the new temporary waiver set forth by the current administration from XX/XX/2021. I have submitted XXXX  applications seven times in the past 4 months and provided employment verification. ( Payments to verify may be difficult as my loans have been sold or consolidated 3 times in that time frame ). I have been a victim of XXXX XXXX, XXXX, never dealt with who XXXX sold my loan to and now FedLoan for the direct loan consolidation. I have watched my loan balance grow instead of reduce ( $ XXXX to $ XXXX in 4 months from all of the transfers ). All I received from FedLoan is computer generated letters they received my application. But no one has done any review for 4 months. I send emails to ask about the status, and also receive no communication. I am currently on hold with them to ask a person and not a computer about the status. I have been on hold 15 minutes so far. I am attaching the applicaitons etc to show that this should not be so difficult to review. I want to know why I am still waiting for a result. How long is it going to take FedLoans to get it together and start processing the temporary waiver applications?
Consumer complaint received 2022-01-28
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. (AR)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (OK)

I have escalated this issue several times. They have assured me that my account I will get paid a day early after the VA send them my XXXX. 

That is not true. It is based on the account that I have. 

They have consistently made it extremely difficult to understand which account I am on and which type of account actually gets the benefits that they are talking about. 

This has never been resolved, they blamed me for not being in the right account after they set it up incorrectly at first. 

I have been in the wrong type of account this entire time. It as exacerbated my physical and mental wellbeing in a profound, negative way. 

They said, as a courtesy, they post it on Saturday. That is not a business day. Why not Friday? Their online calendar is extremely misleading, making me believe I get paid earlier than I should, leading to $ XXXX of overdraft fees since I have been with them. 

I spoke with XXXX, a supervisor, on Friday XXXX. She didn't know anything and then hung up the phone. 

As of this message, I do not have my money because it will post on a " Saturday? '' I have never understood how or why they post my check earlier, but only sometimes.
Consumer complaint received 2021-05-18
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. (GA)

I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.
Consumer complaint received 2022-01-28
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MA)

I had an Amazon co-brand credit card with Synchrony bank. I requested their chat team ( sometime during this month ) to close my account after I clear my balance. I had not yet cleared my balance and they closed my account. In the process, they forfeited my rewards worth USD XXXX. I didn't ask them to close the account right away. Since they record the chats, it should be there in the record. When I reached out to them yesterday, they told me that I myself closed my account. I was shocked at such a blatant lie. When I asked for a proof that I closed it, they could share none because it was closed by them. They committed fraud by closing my account without my permission and forfeiting my rewards. Please look into it.
Consumer complaint received 2020-12-18
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

These were hard inquiries on my report that I did not authorize, I already filed a police report and contacted the companies listed directly. 

Capital One Auto XX/XX/XXXX XXXX-XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX Capital One XX/XX/XXXX Capital One XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-05-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION (TX)

I discovered inaccurate and incomplete information on my credit regarding this account. The account number in question begins with XXXX. I discovered that the account was not fully reporting correctly as it is incomplete and inaccurate. At which point I started a dispute with the credit bureaus in and around XX/XX/XXXX. In and around XX/XX/XXXX I received a letter stating this account has been verified. I asked for proof of verification including the specific person 's name, email, phone number, etc, who verified that the account is listed with 100 % Accurate and Complete Information as required by the FCRA. I never got a response to that request from the credit bureau. 

I mailed Pentagon Federal Credit Union directly on XX/XX/XXXX at the address of : Pentagon Federal Credit Union XXXX XXXX XXXX XXXX, VA XXXX Of which, as of today XX/XX/XXXX, I have received no response from Pentagon Federal Credit Union in writing. I then proceeded to do two other disputes with XXXX, XXXX, and XXXX. In each dispute, the information returned as " The information you disputed has been verified as accurate. '' I sent another letter directly to Pentagon Federal Credit Union dated XX/XX/XXXX and still to this day, I have not received any verification or response. The issue is that Pentagon Federal Credit Union is in violation of FCRA by not ensuring the maximum possible accuracy that can be. I have highlighted, circled, bolded, drawn, and written out several violations that you continue to allow to be reported to my credit report. I am giving you one last opportunity here to do the correct these errors as I am prepared to file suit for the harm and stress this erroneous reporting has placed upon me and the lost opportunities that have come from it. I have attached many documents to this case for your examination. If taken the time to look through them, I am sure that you will easily find a host of FCRA violations as I have. I am requesting this account be deleted immediately and a deletion letter be forwarded to myself as soon as possible.
Consumer complaint received 2022-01-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NJ)

I have tried to resolve this issue with both Fed Loan Servicing and the Dept. of Ed. In XXXX of XXXX the Federal Government announced a waiver of Public Student Loan Service rules in that previously discounted payments should now count. You still had to meet certain criteria, be in public service 10 years, make 120 payments etc. I have been a public servant for over 25 years. I had one direct unsubsidized loan with Fed Loan as of 2009. On and off I had to defer it but I still made payments as I could. At one point 2010/2011 I made 18 payments on a standard repayment plan, no one told me that these would not count towards my 120 payments. Until I called to check on my payment count, at the time there was nothing on their website to tell me that information. I was very disappointed and angry that I had been misled. I shifted over to one of the qualifying repayment plans and continued to make payments. I am still being told that I owe 19 payments but when I read and apply the new waiver rules I count at least 21 payments that should now count. I have provided highlighted payment histories to both Fed Loan and the Dept. of Education. But Fed Loan refuses to apply the new rules to may case and they close it without giving me a chance to question or appeal the decision. I have filed 3 complaints with the department of Ed. but have gotten no relief. I will write my Congress people next I guess.
Consumer complaint received 2022-09-28
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. (TX)

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. 

XXXX XXXX # account number XXXX has violated my rights. 

XXXX XXXX XXXX account # XXXX has violated my rights. 

XXXX XXXXXXXX XXXX account XXXX XXXX has violated my rights. 

XXXX XXXXXXXX XXXX account XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

XXXX XXXX account # XXXX has violated my rights. 

XXXX XXXX XXXXXXXX XXXX account # XXXX has violated my rights. 

XXXX XXXX  account # XXXX has violated my rights. 

XXXX XXXX account # XXXX has violated my rights. 

XXXX XXXX XXXX. account # XXXX has violated my rights. 

XXXX XXXX XXXX, account # XXXX has violated my rights. 
XXXX account # XXXX. 

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 XXXX 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 2022-01-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( 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 associates 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-01-28
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Fidelity National Financial, Inc (MI)

Complaint against Fidelity National Financial , Inc ( FNF ) XXXX XXXX XXXX XXXX XXXX dba ServiceLink ( various shell corporations ) for fraud and impersonation as " XXXX XXXX '' ; " VA '' and " FEMA '' I am a victim of XXXX XXXX 's criminal enterprise FNF operated by several people who created numerous shell corporations acting under names of XXXX XXXX XXXX XXXX ( former XXXX XXXX XXXX, inc/DocX, LLC ) and ServiceLink which are incorporated by FNF trusted XXXX XXXX XXXX XXXX XXXX lawyer who holds about 724 jobs in various FNF shell corporations ; XXXX XXXX XXXX lawyer who holds about 487 jobs in various FNF shell corporations ; lawyer XXXX XXXX XXXX holds 607 jobs in various FNF shell corporations ; XXXX XXXX XXXX XXXX XXXX XXXX jobs in various FNFshell corporations ; lawyer XXXX XXXX XXXX holds 10 jobs ; XXXX XXXX XXXX 55 jobs ; and XXXX XXXX 607 positions. These six people, all employees of FNF, registered and operate 15 various ServiceLink companies in California alone My entire transaction called " VA Loan '' with alleged " Lender '' XXXX XXXX  was originated and processed by XXXX XXXX 's FNF in California, XXXX where his employees acting as XXXX XXXX ServiceLink posed as FEMA to place me under forced Flood Insurance to cause financial hardship and VA on whose behalf XXXX XXXX XXXX employees sent me various Notices and letter. 

XXXX XXXX 's FNF is also a claim processing agent for First American Title ( FAM ) - who deceptively sell bogus " Title Insurance Policies '' to homeowners via chain of sham conduits like Bell Title- which neither FAM or FNF are not going to adhere. 

On XX/XX/2022 someone sent me flagrantly fake " VA Partial l Claim " and " Modification '' acting as FNF 's ServiceLink in XXXX XXXX XXXX XXXX XXXX Ca. 

I submitted my Complaint with CFPB against ServiceLink demanding explanations and validation of this " VA Partial Claim '' To my surprise, this complaint made a detour to Fidelity National Financial , Inc. before it was purportedly submitted to ServiceLink.

On XXXX XXXX XXXX someone responded me purportedly from ServiceLink with absurd runaround. 

FNF repeatedly said that my Complaint does not belong to them XXXX XXXX and his FNF must explain to me and CFPB why my complain does not belong to them if ALL manipulations with my fake " VA loan '' ; fake FEMA Insurance ; fake " Servicing '' by Caliber and PennyMac ; and fake " Modification '' and " Partial VA Claim '' are all done by XXXX XXXX ; XXXX FNF and its six trusted employees XXXX, XXXX, XXXX, XXXX, and XXXX who send instructions to various XXXX XXXX  via secured messages from secured message which documents they need to send me; under glimpse of " XXXX '' and its " employee '' XXXX XXXX '' who is likely a ficitious name for someone else.
Consumer complaint received 2021-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (CO)

I have been hit with 2 " priority service fees ''. My Payment Due Date is the XXXX of the month and I sent my last payment ( due XX/XX/XXXX ) on XX/XX/XXXX, electronically, and was hit with the most recent of the 2 fees. The first fee was against a payment sent on XX/XX/XXXX ( due XX/XX/XXXX ). I have paid the increased fee amount every month since the fee was assigned and they won't clear it off my statement.
Consumer complaint received 2021-05-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (MI)

1. XX/XX/2021, received notice from XXXX XXXX, SD XXXX name of sender was not included ) telling me that my APR on a closed account ( closed in XXXX ) may increase and require me to pay more monthly. 

2. XX/XX/2021, called number listed on notice and spoke to XXXX from Citibank. Asked why is APR increasing on a closed account which I pay on time every month? Answer : The federal gov't controls the prime ; Don't see anything about an APR increase ; No you can not dispute the change ; and Contact consumerfinance.gov for more info. 

3. My complaint : Who protects my rights in this matter? Where is my Notice to Dispute? Can the company legally increase my APR on an account that is closed but being timely paid monthly? 

Thankyou.
Consumer complaint received 2017-08-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NC)

I have only been with Select Portfolio Servicing for a year, my account transferred to them by XXXX. 
My home burned XXXX-XXXX-17 & I have been trying since that date to get short pay offers approved. 
XXXX did an appraisal after the fire which came in at {$38000.00} BPO. Two different XXXX  representatives promised me that an offer of {$36000.00} on my part would be accepted. I had the call on speaker & have witnesses that the 2 representatives made this statement to me about {$36000.00} ( 95 % of the BPO ) being accepted. 
It was not! 
This company has been sending me default letters since the fire. Prior to the fire & since, I have missed zero payments. XXXX until now I have sent {$4000.00} in payments to XXXX while being homeless due to their threatening mail. My mortgage payment is supposed to be locked in on a permanent modification at {$490.00}. 
I sent {$1000.00} that I did not owe in the past 45 days to stop the daily default notices & constant collection calls.
Consumer complaint received 2022-01-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I recently had to travel out of the country for work. Potentially that triggered some sort of check, because I was then locked out of my online Citizens account ( despite two factor authentication, etc set up ). I tried calling to remedy the situation while abroad, however despite trying multiple times over several weeks and waiting XXXX, XXXX minutes or longer, I would end up getting disconnected rather than speaking to anyone. 

Shortly after ( within two weeks and before I could return to the US ), I was sent an letter saying my account has been closed without explanation. Note I never received any other contact from the bank regarding why it was suddenly shut down, however the letter advised I call into customer service- even more unsuccessfully as my account and debit card numbers are not even recognised any longer. Meanwhile I am still getting marketing emails from Citizens. 

Thus far I have not been able to speak to a person. The website only directs me to log into my online account ( which was never unlocked ). Nor is the chat function on the website operational. The only email address I can find listed on the website was for disputes, and when I reached out they only redirected me to the same customer service number.
Consumer complaint received 2021-05-15
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: Experian Information Solutions Inc. (NC)

I sent a Certified letter to both XXXX  and Experian asking them to validate the debt from XXXX back in XX/XX/2021. The account was not validated and the information that is reporting is still not correct. The account is paid. Both agencies are reporting different information, neither is correct.
Consumer complaint received 2021-05-17
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: EQUIFAX, INC. (FL)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.