davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA (TX)

I transferred to XXXX XXXX on XXXX XXXX back in XX/XX/XXXX-XX/XX/XXXX and according to them I was not able to receive financial aid due to the fact that I was attending a satellite school in XXXX, MO while my physical location was XXXX XXXX, TX. I was told that because I did not qualify for financial aid Pell grant that I needed to get the student loan offered at XXXX XXXX XXXX XXXX. 

I logged into the financial website back in XX/XX/XXXX and notice that XXXX XXXX collected on a Pell grant in TEXAS. I never received a refund but I was put into this student loan that I don't see the amount lowering because they are collecting on interest instead toward the principal. Mohela has been changing the terms and conditions since on the loan since the original promissory note that I have the original copy. I can mail or fax in any documentation you may need clarification. 

XXXX XXXX collected on my Pell grant close to {$9000.00} and also on my VA benefits and now they have me on this debt of an old student loan that I can not seem to lower the principal in all the time that it has been under my name dating back XX/XX/XXXX. This was all done because XXXX XXXX mislead me and collected on my Pell Grant and Ch-35 VA Benefits. 

I feel they are unethical and are over charging me for a tuition that my Pell grant and VA benefits paid for back when I attended XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. My total tuition for the school was no more give and take {$6000.00}. 

My interest rate with this loan was in the low 1.5 % initially and now is close to 7.0 % after I have asked mohela to lower the interest rate and to put my payments towards the principal. Nothing has changed I feel since XXXX XXXX  pocketed the Pell grant and lied to me about this loan. I feel this is wrong and want them to at least deduct my Pell grant they took from the total amount of this loan. 

I have good credit and I have been giving them payments that I can afford based on my budget. I still feel that I am paying a debt that is not lowering this student loan and feel I am unethically being charged by Mohela. I have already paid Mohela close to {$5000.00} and the amount in debt is still {$7300.00} and the initial loan was around {$5000.00}. I am reaching out to you in attempt to mediate and take this debt out of my life.
Consumer complaint received 2023-10-24
Product: Credit 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: AMERICAN EXPRESS COMPANY (MI)

I made a downpayment on a XXXX XXXX for {$100.00}. The downpayment was described as being fully refundable. I have requested a refund on numerous occasions and have never heard a response ; it seems as though the company is possibly going out of business, so this makes sense why they wouldn't want to refund my money. 

Amex refuses to refund this charge for me, saying it's too far in the past for them to do anything about. 

This is unacceptable.
Consumer complaint received 2019-06-13
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've been pretty consistent with paying my bills on time. I'm saying this because I went XXXX XXXX XXXX the other day and applied for an account. I got approved but with a {$500.00} deposit. I didn't understand until I checked my credit report. I see a couple of items that are not mine. I've contacted the FTC and the police. I'm doing this on my own behalf. These items need to be deleted from my credit report. Chapter XXXX Bankruptcy, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX. Inquiries : XXXX, XXXX XXXX. XXXX
Consumer complaint received 2019-06-13
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. (GA)

I've been pretty consistent with paying my bills on time. I'm saying this because I went XXXX XXXX XXXX the other day and applied for an account. I got approved but with a {$500.00} deposit. I didn't understand until I checked my credit report. 
I see a couple of items that are not mine. I've contacted the FTC and the police. I'm doing this on my own behalf. These items need to be deleted from my credit report. Chapter XXXX Bankruptcy, XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX. Inquiries : XXXX/XXXX, XXXX XXXX. XXXX
Consumer complaint received 2019-06-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (LA)

vigo  no pay my transacion sending last XX/XX/2019 today 9 day no have resolution my problem please call vigo  the number XXXX my name XXXX XXXX mtc XXXX this money for school my grand son hi no go school wait moment vigo  no pay a my beneficiario every day call for nothing thanks
Consumer complaint received 2019-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (MO)

I was charged {$150.00} for an ATM withdrawal fee on XX/XX/2019. Chase Bank 's policy for Sapphire checking customers is to reimburse ATM fees. The receipt I provided to the bank clearly states the transaction was initiated on an ATM, was a debit transaction, and a fee of {$150.00} was charged. Chase Bank refuses to reimburse the fee, which is a violation of the bank 's terms & conditions of my account.
Consumer complaint received 2019-06-13
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSWORLD SYSTEMS INC (GA)

I have requested debt validation and debt verification and Transworld Systems has failed to provide copies of any documents that show that this debt is owed by  me. Transworld Systems and XXXX XXXX is trying to collecting on the same debt. Neither company has showed any documentation for the debt amount owed, contracts or rights to collect for XXXX XXXX. I have denied this debt and want it removed from my credit report immediately under the laws from the Fair Credit Reporting Act I do not owe this debt and after two attempts Transworld Systems has failed to provide these documents through the Consumer Financial Protection Bureau I have enclosed copies of debt collection letters from XXXX XXXX claiming they are the representative for this debt also
Consumer complaint received 2019-06-13
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. (GA)

I was recently went to check out a new car at XXXX. After carefully consideration I was decided to apply for a loan for this car. I was decline for a good rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. Chapter XXXX Bankruptcy, XXXX/XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX. Inquiries : XXXX, XXXX XXXX. XXXX
Consumer complaint received 2019-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (LA)

I contacted all 3 credit bureaus about the inaccuracy on my credit report months ago. As of today, the following information remains on my report. I have a statement on my credit report about several family members with the same or similar name in spelling. The accounts and amounts are listed below. : Afni XXXX XXXX XXXX XXXX XXXX, Il XXXX Opened XX/XX/19 XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, IL XXXX Please help me these accounts do not belong to me.
Consumer complaint received 2019-06-13
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. (GA)

I've been pretty consistent with paying my bills on time. I'm saying this because I went XXXX XXXX XXXX the other day and applied for an account. I got approved but with a {$500.00} deposit. I didn't understand until I checked my credit report. I see a couple of items that are not mine. I've contacted the FTC and the police. I'm doing this on my own behalf. These items need to be deleted from my credit report. Chapter XXXX Bankruptcy, XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX. Inquiries : XXXX/XXXX, XXXX XXXX. XXXX
Consumer complaint received 2022-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CO)

XXXX XXXX and XXXX XXXX We have our home loan with your bank ( # XXXX ) and we recently had some significant water damage in our kitchen. We have been without a usable kitchen for over two months as we have worked to repair damage and line up contractors. After A LOT of work, XXXX our insurance company finally processed the claim. 

When I call Flagstar I am literally unable to get through to your " Property Claim Center '' -- I suspect this might be an outside vendor that you use? 
The phone tree gave me an inaudible access code that is needed to use the website. There is NO information anywhere about who XXXX should make the check out to ( Flagstar Bank? XXXX who services the mortgage? ) I have called Flagstar no fewer than 5 times this morning and been transferred to the mortgage department three times. All three times I have asked for a manager. In all three cases, the person told me they would transfer me to property, and they did, which resulted in a 30+ minute hold time when I was unable ( each time ) to get on the phone with a live person. I have been working at this since XXXXXXXX XXXX  this morning MT ( it is now XXXXXXXX XXXX MT ). 

I am literally UNABLE to submit the check for the property claim or the supporting documentation as required due to their exceptionally poor service and phone tree. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

Hello, since my original mortgage from XXXX XXXX XXXX XXXX   was sold to PennyMac, in XX/XX/2017, for some unexplained reason, the lender has stated at least in the past year, despite the fact that Ive always made my mortgage payment, that I was behind on my mortgage but did not clearly explain why. This has adversely affected my credit scores and more specifically, this past week, caused a refinance to be denied, reportedly because of these lates, which were reported to the credit bureaus. They never explained clearly to me why they were doing this and now it has affected my ability to refinance my loan, which I need to do in order to pay off all the debt Ive accumulated, in order to make my mortgage payment each month.
Consumer complaint received 2023-05-08
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. (MA)

My wallet was stolen back in XXXX and ever since strange account been popping up on my report. I tried to freeze my report but it didnt work.15 usc 1681 states that these negative collections and inquiries are fraudulent and abuse to my financial independence and the 3 credit bureau are reporting wrong information on my report
Consumer complaint received 2023-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MI)

My personal checking account was debited {$86.00} by the department of education via an ACH transfer. I have not authorized this entity to debit from my account. I believe they obtained my bank account information from an old student loan servicer.
Consumer complaint received 2017-05-26
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Shapiro, DiCaro & Barak, LLC (NY)

In  XXXX  o f 2015 Debt C  ollectors by the  na me SHAPIRO, DICARO & BARAK employee sued in the Supreme  Court of  XXXX   County wi thout ever properly serving i, my husband, and grandfather of the lawsuit. Debt  Collectors by the name SHAPIRO, DICARO & BARAK employee/ associate stated on the court record they   served  XXXX   XXXX   XXXX    , in wh ich the Deb t Collectors, SHAPIRO , DICARO & BARAK claim is a family member of mine. I do not   know of any person by the name  XXXX   XXXX   XXXX   nor do I have any family by that name.
Consumer complaint received 2023-01-08
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: EQUIFAX, INC. (NJ)

I checked my credit report and I had a whole lot of inquiries that I don't recognize I'd like these fraudulent inquiries removed please XXXX XXXX and Equifax please remove the inquiries immediately
Consumer complaint received 2020-09-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: PENTAGON FEDERAL CREDIT UNION (GA)

I have sent the company notices this is a debt that I don't owe and the account was from the result of identity thief from XXXX to XXXX. I have provided the police report, a report from FTC, etc ... Also informed them that the info they have on my report needs to be blocked and deleted. They have not removed items and find them to be in violation of several codes. I have sent proper notifications in a timely manner giving them ample time to remedy the issue. They have failed to remedy the matter and have not provided me of any documents which would verify why they would have these negative marks on my report which is causing economic harm. I have sent and recorded all correspondence that was sent certified mail for my records. 
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX  XXXX account # XXXX date opened XXXX account # XXXX date opened XXXX account # XXXX date opened XXXX address : XXXX XXXX XXXX XXXX, VA XXXX XXXX
Consumer complaint received 2015-12-11
Product: Credit card — 
Issue: Advertising and marketing — 
Company: SYNCHRONY FINANCIAL (VA)

XX/XX/XXXX A XXXX service offered me a CareCredit brochure. The brochure seems to say that you can have 6 months to pay off the charge interest-free. XXXX Reviews of the credit card and the issuing bank were generally low. I went to the CareCredit.com web site for more info and used the Payment Calculator to calculate payments for financing a {$850.00} charge. Results are below but there seems to be a hidden fee. 
XXXX Plan Term : Estimated Monthly Payment to avoid interest and pay only the amount financed : 6 Month {$140.00} 12 Month {$71.00} 18 Month {$48.00} When I did the math, I was paying back {$2.00} extra on the 6 and 12 month plans but {$14.00} more on the 18 month plan. I think this is a hidden fee. 
I visited the CFPB site and saw the action against CareCredit in XX/XX/XXXX. Today, in XX/XX/XXXX, the brochure and website use the terms " promotional purchase '' and " promotional period. '' It 's not that clear to me what that means. " Promotional '' made my alarm bells go off.
Consumer complaint received 2021-11-30
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. (MD)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My Credit card was used and my account were taken over by someone that stole my identity. 
XXXX bill was put in my name without my knowledge amount {$450.00} in 2019
Consumer complaint received 2023-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

name of inquiries to be deleted are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (KS)

XXXX XXXX XXXX Dear Experian, I have the following information on my credit report that doesn't have permissable purpose according to teh FCRA Fair Credit Reporting Act. Anything furnished on my credit report must have permissable purpose according to 15 USC 1681 B. Here are the following hard inquirires : XXXX XXXX XXXX XXXX,2022 XXXX XXXX XXXX XXXX,2022 XXXX XXXX XXXX XXXX,2022 XXXX XXXX XXXX XXXX,2022 XXXX  XXXX XXXX XXXX XXXX, 2022 XXXX  XXXX XXXXXXXX XXXX, 2022 XXXX  XXXX XXXX XXXX XXXX, 2022 XXXX  XXXX  XX/XX/XXXX. 2022 XXXX XXXX XX/XX/XXXX. 2022 XXXX XXXX XX/XX/XXXX. 2022 XXXX XXXX XX/XX/XXXX. 2022 XXXX XXXX XX/XX/XXXX. 2022 XXXX XXXX XXXX XXXX, XXXX, 2022 XXXX XXXX XXXX XXXX XXXX,2022 XXXX XXXX XXXX XXXX XXXX,2022 XXXX XXXX XXXX, 2022 XXXX XXXX XXXX, 2022 XXXX XXXX XXXX, 2022 XXXX XXXX XXXX, 2022 XXXX XXXX XXXX, 2022 XXXX XXXX XXXX, 2022 2022
Consumer complaint received 2023-04-04
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. (TX)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2018-06-18
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. (VA)

Experian continues to report a fraudulent account as a collection on my credit report. My credit report shows a collection from XXXX that shows a balance owed which is incorrect. I disputed this directly with Experian and it took them only 7 days to report back to me that the account details were accurate. This is not my account.
Consumer complaint received 2020-09-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (AZ)

For several years I have been called by XXXX XXXX  for a final payment on a gap credit card that shows record for not being paid. 

The unpaid balance is under {$30.00}. 

Someone has added unpaid charges on {$30.00} to the some of over {$350.00}. I have agreed to repay the last payment that was missing but will not pay and addition {$320.00}. I have had them note the account several times and they do not. They refuse to take the amount I have agreed to pay again and drop it. 

I just started a new job and they have now found my work number and called it. They OBVIOUSLY know it is my work number which is NOT ACCEPTABLE!!! 

Lastly, They are messing my credit up for {$25.00}. They are hunting me down as though it is {$1000.00} of dollars and.
Consumer complaint received 2019-06-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (KS)

I sent XXXX dollars through PayPal to the WRONG email address. It was a send money to friend transaction and as soon as I realized it was a mistaken email address, ( 5 minutes or so ) I tried to cancel the transaction and it didnt have the option. I called PayPal and they said to file a dispute and contact the person it was sent to. Ive sent her a couple emails asking her to cancel it or refund it to me and I havent heard back. Shes a  complete stranger and I dont know how else to get ahold of her other than email. I need the money to be sent back to me from her as it is not meant for her. PayPal isnt helping at all and I dont know what to do after filing a dispute with ic3.
Consumer complaint received 2023-05-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (AZ)

Dear Sir/Madam, I am writing to dispute a billing error that occurred with Toyota Financial Services . In XX/XX/2023, I set up automatic bill payment for my Toyota car loan, but apparently, the setup was not correct. Unfortunately, I was not aware of this issue until recently because I have a separate account where I transfer the exact amount of money to cover all automatic payments. Therefore, I do not usually check my billing or bank statements on a regular basis when I have autopay set up. 

I am disappointed to report that Toyota Financial Services did not contact me by email or phone to inform me that my payments had not been posted. When I contacted them, they explained that they could not help me, and I would have to dispute the issue with the credit bureau. However, I was able to open one of my statements for Toyota, called them, and made a payment to bring the account current. 

I am writing to request that the credit bureau investigate this issue and correct any errors on my credit report. I believe that Toyota Financial Services should have had a process in place to contact me if there were any issues with my billing, especially since I had set up automatic bill payment. 

I hope that you can help me resolve this issue quickly and satisfactorily. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX