davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

I was looking to consolidate my student loans all into one company and upon trying to complete the application for consolidating I was shocked at how much I still, after 10 years of paying, owe on my loans. When I questioned my father who had completed all the applications he was equally as shocked. When I investigated further I asked my school for an account summary of everything that came into and out of my account, which they provided quickly. I noticed very easily that there were two loans specifically that were not there on this account summary. I called AES and they sent me the credit agreements. The loans were there on those agreements but not on my account? AES told me the disbursement was made to the school. The school says they never received and the disbursement was made directly to my father. My father states that he has never had that kind of money ever. And further more, why if he had received that disbursement would he have used his credit card to pay the school. I have submitted to receive his bank statements from the months that these disbursements supposedly took place. Every time I ask AES for anything its a 7-10 business day wait for their response. This is wrong given that they've collected principal and interest from almost {$20000.00} for over 10 years.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.
Consumer complaint received 2023-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: United Docu Prep, Inc. (CA)

I am writing to complain about a 3rd party Student loan provider that might be associated with the CFPB v. Monster Loans and Associated Student Loan Companies File Number XXXX 

My name is XXXX XXXX XXXX XXXX : XX/XX/XXXX ( XXXX ) XXXX In looking at my banking statements and the name of the company is listed as XXXX. which has taken {$39.00} monthly payments since about XXXX or XXXX. They have done so on the promise that I pay for 20 years without missing a single payment - the remainder will be forgiven on my student loans. This is a similar name to one of the stated companies in the original CFPB lawsuit mentioned above. The similar name ( s ) are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  . The initial ( 3 ) payments on my own statements that may have started XX/XX/XXXX are listed as XXXX. Soon, the provider name changed to " XXXX ''. I was forced to pay continuously through the halt of payments to student loans federally, with covid emergency relief which i was suspect of. 

I do in fact have a national service SL provider XXXX, which has just notified me my student loans qualify for Federal Forgiveness and we are in the process of finalizing this. 

The names seem so similar, and I know companies can have several XXXX, while also recording the payments in my banking system they may use alternate/shortened/subsidiary information. 

I agree that his company has unlawfully collected advance fees for debt relief services, and also may have violated the Fair Credit Reporting Act ( FCRA ) by marketing debt-relief services.
Consumer complaint received 2019-09-19
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. (GA)

This is my third time asking for an investigation of a bankruptcy ( XXXX ... ) reporting on my credit report. I asked in each of the three letters who verified this information. All three credit companies XXXXXXXX XXXX, and Experian  have said that the data furnisher is The United States Bankruptcy Court. I called the courts to verify this and they stated that they dont even report to the credit bureaus or third parties. XXXX and Experian even went as far as saying that they will not re-investigate this matter after blatantly lying about their re-investgation. Also XXXX, Experian, and XXXX state that they use XXXX to verify information. I have an attached letter from XXXX first showing that it is frozen and secondly that the bankruptcy was deleted out of there because it was incorrect, unverified and shouldn't have been in that report.
Consumer complaint received 2023-08-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: AMERICAN EXPRESS COMPANY (AR)

I got a call from XXXX and XXXX I believe in XXXX from a very rude guy name XXXX regarding some alleged debt with a credit card from American Express. He wasnt able to prove to me that I owe this debt by proving an original contract or anything showing this debt was mine. He proceeds to tell me that he sent a wage garnishment to my employer which was an old employer and all this was sent without my knowledge. I wasnt concerned being that I didnt work with the company he said he sent he garnishment too and I didnt owe this debt. XXXX then says thats fine and he continues to push and tell me that I needed to pay {$350.00} on this debt or my wages would be garnished with my new employer. I state to him I dont owe anything why would I pay. He goes on and on saying what will happen so me I give in without knowing my rights and made this payment of {$350.00} to avoid my wages being garnished while I dispute the account with American Express being that this isnt my debt. Even though I made that payment in XXXX, XXXX and XXXX still sent a wage garnishment to my new employer and my wages are being garnished. I feel that this was very wrong of them and they have gotten over on me and no telling how many other people they are lying too in order to collect money. They need to be stopped.
Consumer complaint received 2019-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AL)

A previously disputed collection account has been reinserted into my Equifax credit file with the following names : Collection Service of XXXX, also listed as XXXX , XXXX, also listed as " XXXX and account number XXXXXXX ''. This collection was successfully disputed and removed has been reinserted into my Equifax credit report. The collection account was reinserted between XX/XX/2019 and early XX/XX/2019. I have copies of my credit report from XX/XX/2019 and I pulled another version today because I applied for a mortgage loan a few days ago and was informed that there was a collection in my report! This has caused me to NOT be preapproved for the mortgage for which I applied. I was not notified that this collection account was being reinserted to my credit file which removed my right to dispute the information before reinserting a derogatory account into my credit file, pursuant to FCRA 611 ( 15 U.S.C. 1681I ). It is my belief that this reinsertion is a willful and deliberate act by Equifax to cause harm to my credit file and scores.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

Experian has furnished incorrect information on my credit report. I have tried to resolve the issue several times via phone and letter correspondence. I have sent a complaint to the XXXX XXXX office and XXXX XXXX XXXX Experian is reporting a fraudulent account on my credit report. I have sent a FTC report. Also I notified the company and Experian of this fraud. This account came back as verified by Experian. Not sure what is going on but this is not my account and I have done all necessary protocols to report and dispute the fraudulent account. This account is causing irreputable damages and needs to be removed immediately.
Consumer complaint received 2023-01-23
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. (NC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (IL)

I am a small business owner banking with Chase for the last 9 years. 
Recently I had a client who didn't pay us for our services and caused the recurring transactions related to business to create negative balance on the business checking account. 

Chase began posting insufficient charge fees. They managed to charge my account 32 times x {$34.00}, totalling {$1000.00} and making the account completely overdrawn. 
I had spent 10 days of consistent telephone calls to resolve the situation to no avail. 
Finally, their collection department after all these nightmarish phone calls to them stated they would refund {$560.00}. My account was still severely overdrawn and I couldn't get Chase to cover all of the fees. I am outraged that Chase directly affected the finances of my business. I use the account to deposit clients check for work that my business does for them. Chase by draining my account with those fees inflicted financial damage to my operations. 

On XX/XX/XXXX I deposited another client 's check and I still continue the financial fallback from what they did. 

I will close my account as the bank has predatory practices and I don't have any faith in them. Before I do I expect that they return all the insufficient fees as this stress has gone beyond finances and it has been an absolute disgrace and a nightmare.
Consumer complaint received 2020-01-28
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP (NC)

Company charged me a {$10.00} fee for not meeting the minimum balance requirements even though as soon as I opened the account I gave the information to my old bank and did a transfer in to the new bank as soon as they finished adding the account to their system, I couldnt possibly have gotten the money in earlier since moving money in America into savings accounts sucks
Consumer complaint received 2023-08-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (TX)

On XX/XX/XXXX I filed complaint # : XXXX Against AES ( American Education Services XXXX for not granting him a deferment. They responded promptly and gave this student a deferment until XX/XX/XXXX under account number, XXXX. 
The problem is, this student is still in school, and his updated Expected Date of Graduation : XX/XX/XXXX ( about 2 years away ), and AES is unwilling to extend the date of deferment.
Consumer complaint received 2019-04-10
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 — Problem with personal statement of dispute
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I was a victim of a fire that destroyed my home in XXXX of 2018. Months later I am trying to buy a new home and am having a hard time because my previous mortgage company ( Select Portfolio Servicing ) reported that I had a payment 90 days late. I have proof that the forbearance plan they gave me after the fire was followed, as well as payments made for the most recent two payments prior to the date of loss in the fire. They refuse to remove the 90 day late payment even though it's not valid. There is no 30, or 60 day showing on my credit, only the 90 day. They say it's because XXXX, XXXX and XXXX payments weren't made, but the forbearance agreement stated there was no payment due for those months and the balloon payment was due in XXXX. The insurance paid off my mortgage at Select Portfolio Servicing on XX/XX/XXXX, so the loan was paid off prior to the balloon payment being due. I have called and written to the company several times along with my new mortgage lender between XXXX and XXXX. The last conversation was with my new mortgage lender and them on XX/XX/XXXX. They still refused to remove the late payment even though they can not explain why it's on my credit. I am legally XXXX and my wife and I are elderly. Not only have we been through a devastating fire and loss of our home, but now we are having an issue getting a new home because of this company.
Consumer complaint received 2023-08-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

I received a fraudulent email from " Zelle '' on XXXX XXXX, XXXX  during what I believed to be a secure business transaction via XXXX XXXX. ( sale of furniture ) Th email indicated that I had been transferred the requested amount of {$1000.00} and that in order to receive the payment from the business account ( payee ) I would need to submit {$400.00} to the Zelle agent account, then would have a credited balance of {$1400.00}. 
Email indicated my account was not ready for deposits and needed to be expanded to receive funds from " business accounts. '' The ( my ) deposit would start the process of insuring my account/certificate form. 
After following the instructions from the " Zelle '' email, I received a 2nd email instructing me to deposit an add'l {$600.00} so my avail balance would then be {$2000.00}. All money to be made avail immediately. I contacted my XXXX  immediately - XXXX XXXX XXXX XXXX and asked them to stop processing the {$400.00}. They opened a fraud claim with Zelle and let me know yesterday ( XXXX XX/XX/XXXX ) that Zelle will not be refunding me. 
I contacted Zelle, and they stated it was a XXXX  issue, and referred me back to XXXX. 
Emails received have " Zelle '' logo/trademark and comes from " Zelle '' when clicking on " Zelle '' anywhere within the email- it takes you toa Zelle website XXXX 

I reported the user to XXXX as Scam/Fraudulent, however, they claim her account is valid. 

XXXX User name : XXXX XXXX ZELLE XXXX name : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - Enrolled as XXXX Email : XXXX fake ZELLE email generated from : XXXX ( this was masked )
Consumer complaint received 2019-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/19 I spoke to a rep from XXXX XXXX named Mr. XXXX, I wanted to dispute this fraudulent information that was being held on my credit report, the representative accused me of lying about the account being fraudulent. He stated that since the account was being paid with a XXXX XXXX account that I was obviously lying about the account not being mines, when I asked for his ID badge he refused and cut the line. So called back and spoke with someone else who sent me fraud report. My dispute started XX/XX/19, the rep informed my the dispute investigation takes from 45 days to 90 days to complete. On XX/XX/19 I sent the letter off to the XXXX, OH address, along with my IDF report and police report number. I called on XX/XX/19 and was told the letter have not been received yet and to call about the following Tuesday. On XX/XX/19 I spoke with another rep named XXXX, Badge # XXXX, I asked if they have received the letter yet, he told me their is no way for him to know if it came and I would have to wait until the dispute was over. Then he turned around to told me the disputed ended on XX/XX/19 and they found that i was responsible for it, but yet they didn't receive my reports and and its only been about 20 days since the investigation started. When I asked can resend my documents, he told me that since they found I was responsible for it, they never investigate this account again and I will have to pay the full balance. He told me anyone can make a police report and put their name on it, he accused me of making a false police report which a criminal offense in the state of IL. Why would put my career and schooling in jeopardy over {$500.00} by making a false report. I just want XXXX XXXX to know these are the type of UNTRAINED and UNPROFESSIONAL people working for them, and a reminder from those SAME people and OTHERS to NOT give their input on things they DO NOT know about. XXXX should also know refusing to take this item off my credit report is violating several laws and Credit acts. They have lied time and time again, I have everything documented this bank needs to be shut down immediately.
Consumer complaint received 2019-04-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: JTM Capital Management, LLC (WI)

There is a money judgement against me from JTM Capital Management LLC from what I believe to be a payday loan. 
I finished a Chapter XXXX bankruptcy in XXXX of 2018, I am done making payments and received all my court documents finalizing and closing this chapter XXXX, everything is in good standing. 
Under chapter XXXX bankruptcy payday loans are prohibited, this means this payday loan was taken out under my name, without my permission while I was still making payments under my chapter XXXX plan. 
I never received a court summons, have not been served any court hearing documents notifying me of any dates for a court appearance. 
I now have a money judgement claim under my name and fear that I will have wage garnishment without anything I can do to stop it.
Consumer complaint received 2023-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MD)

XX/XX/2023 Federal Consumer Financial Protection Bureau Ref. Report illegal activity by XXXX XXXX Ref # XXXX feedback Dear CFPB This is the feedback to the answer of the Specialized Loan Servicing LLC . Company as discretionary, advised.

First, we would like to thank the Department for their such a prompt response. 
Quick review Following our inquiry ( No. XXXX ), dated XX/XX/2023, regarding Illegal activity by XXXX XXXX , we would like to reply to the SLS Companys responses. 
The status of our dispute with SLS XXXX as follows The SLS XXXX filed Foreclosure in court. 
Location : The Circuit Court of XXXX XXXX. 
XXXX XXXX. XXXX XXXX  XXXX The SLS XXXX forcing us to pay them the cost of their illegal purchases. 
The SLS XXXX took us to the Court of Law and asking Foreclosure on our house based on Default on our Mortgage Deed of Trust. 
This is the Plaintiffs ( the Specialized Loan Servicing LLC. Companys lawyers ) arguing, responding to the question Did you bought Insurance Premium for the Borrower and add the cost to his account?. 
Quote, Specifically, with regard to the Defendants claim as follows : The core of the dispute is the SLS buys home insurance policy, which we did not ask for it, We did not need it, and certainly, we did not want it ( see Defendants pending Motion XXXX ). and this is their response, 8. Although there are far more detailed reasons for denying the pending motion, ... ... ... .....

The pending Motion reflects a fundamental misunderstanding and misrepresentation of the underlying loan documents. Succinctly put, the Deed of Trust specifically addresses in Item 5 the various requirements for the borrowers to obtain and pay for property insurance ( See Exhibit C appended hereto and made a part hereof ). Specifically, with regard to the Defendants ' claim as follows. 
The core of the dispute is the SLS buys home insurance policy, which we did not ask for it, we did not need it, and certainly, we did not want it. ( see Defendants ' pending Motion XXXX ) What the defendants are completly not considering is that paragraph 2 under Item 5 of Deed of trust, states as follows : If Borrower fails to maintain any of the coverage described above, Lender may obtain insurance coverage, at Lender option and Borrower 's expense. 

In short, even if the pending Motion could be considered by the Court, the substance of same is clearly without merit.

End of the Quote.

Apparently, the Specialized Loan Servicing LLC. Company has a quite different responses in the court.

This is the response of the SLS XXXX under oath and in front of the Circuit Court of XXXX XXXX. 

Our Motion to Stay have been denied by the Court based on not having enough facts and evidence. 
We currently requested for reconsideration of the Court judgment to revise and Grant us the Motion to Stay and Dismiss the Case.

Looking to hear from the Department in near future. 

Thank you. 
With regard
Consumer complaint received 2018-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have contacted your agency regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I do not believe a proper investigation was done from my file through your office. I am not associated with these following address : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My name is : XXXX XXXX XXXX Please delete any variations of my name.