davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (CO)

This complaint is centered around multiple attempts to defer payments on my private student loans. In short, the loan servicer, American Education Services has provided inaccurate information resulting in 1 ) forbearance being denied and 2 ) severe delinquency of the account. 

In XX/XX/XXXX, after confirming my eligibility, I submitted a request to put all my loans in forbearance as I was working toward a professional license and while caring for my XXXX   small children. I did not receive income during this time. My request was approved however I was notified in XX/XX/XXXX that I had a payment due. Confused, I submitted another general forbearance request online. After another notification I was approved but yet I still has a balance due, I called and learned that private student loan forbearance required a separate request- An MRU Forbearance Request. An AES employee emailed me the private forbearance request form on XX/XX/XXXX and I completed them and sent them in via U.S. Postal service per the instructions. I also made a payment on the account in XX/XX/XXXX to demonstrate I was striving for resolution. This payment was very difficult for my family. After several weeks and yet another payment accrued, I received a letter ( dated XX/XX/XXXX ) indicating that my forbearance request was denied. I called AES to find out why the request was denied and learned from an employee that I signed the form XXXX XXXX XXXX and the request was denied because I signed my married name ( which is my legal name ). Interestingly, my payments to AES have come out of my banking account with the name XXXX for the past five years but that discrepancy raised no flags. In any event, I found out that I needed to change the name on my account so I furnished AES with the necessary documentation to do so. I was told by AES that I should submit another MRU Forbearance Request which I submitted on XX/XX/XXXX. On XX/XX/XXXX, AES notified me that my name change was accepted but still not word on the MRU Forbearance request. On XX/XX/XXXX I was notified my MRU Forbearance request was denied because now I owed too much on my loans to be eligible for forbearance. So I call again and learn that if I payed {$370.00} on the account, I would then be eligible for the forbearance. So, again, I made a very difficult to make payment that day, XX/XX/XXXX and submitted a third Forbearance Request. The third request was denied because the AES employee who told me to pay XXXX on XX/XX/XXXX was, " mistaken '' and needed to pay another {$370.00}. I did not have the funds to do so and was told that I should just consolidate my loans with another company. At this point, I no longer have faith that I can resolve this with AES. The reasons for the initial denial and subsequent denials now seem intentionally obstructionist. I have made a small payment on the account for the past few months to show some effort until I am able to get back to work and resume payments.
Consumer complaint received 2022-07-12
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. (CA)

The Credit bureaus stated my account was properly investigated but how is that possible if the account numbers are inaccurate, open date is inaccurate, the date last active is inaccurate, and date last reported is inaccurate, last verified is inaccurate, creditor type and creditor remarks in inaccurate. This is grounds 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 A section 2 states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2019-09-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been sending letters on and off to TransUnion since XX/XX/2019. I have attached all letters sent along with the certified mail receipts. I filed a complaint with the CFPB on XX/XX/2019 ( complaint # XXXX ). TransUnion responded After careful review, we have determined your complaint includes a dispute of information appearing on your credit report ; therefore, we have forwarded your complaint to our customer relations center for processing. You will receive your results within sixty ( 60 ) days from the date you submitted your complaint to the CFPB I am still yet to receive a response for my complaint or a response from any of my dispute letters. TransUnion has not followed through with their responsibilities and I have wasted a significant amount of time trying to get them to respond. This is my last attempt at contacting them before reaching back out to my Lawyer, I have done everything he recommended.
Consumer complaint received 2023-08-23
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: Kikoff Inc. (IL)

This is my formal complaint to KIKOFF LENDING LLC for taking no action to correct and remove the fraudulent account that is still reflected on my credit report and continue to damage my reputation. I sent out communication letters and complaints to them several times, but until this time no further action has been taken. I have attached my FTC report with report number XXXX. I was expecting that they would be reporting accurate information on my file but it seems they are not.
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NJ)

In 2016 my husband and I had a family circumstance causing us to fall behind on our mortgage. We attempted a loan modification but the mortgage company threatened foreclosure. We were afraid we would lose our home and filed for Ch XXXX bankruptcy. Right after we filed the mortgage company agreed to a modification. We dismissed the Bankruptcy because we no longer needed to do it. We never had to pay any trustee payments because the modification was resolved right after we filed. All 3 credit reporting agencies have the bankruptcy on mine and my husbands credit reports. Its destroying our credit and we never had to participate in the bankruptcy as we voluntarily dismissed it. Weve disputed this with the 3 credit bureaus and they refuse to remove it from our credit reports.
Consumer complaint received 2019-09-16
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. (SC)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2019-09-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery representing XXXX XXXX NV l has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2017 amt {$1800.00} XXXX XXXX   NV
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MN)

I looked at my consumer reports and noticed a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I have never been late on payments and did not provide written consent to report the account : XXXX : Account number : XXXX. Please investigate and provide proof with statements showing that these payments were late and proof that I authorized the reporting of this information. If proof can not be provided I demand these payments to be updated to on time as they should be as I was NEVER late.
Consumer complaint received 2019-09-16
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (CA)

Freedom Mortgage performed illegal modification stating from multiple staff ex husband would be removed from loan due to extreme circumstance of ex husband XXXX XXXX veteran. I currently have a XXXX XXXX XXXX XXXX  against him after he attempted to XXXX XXXX and then himself in XXXX XXXX. Freedom mortgage changed my APR % from 3.25 % to 4.75 % and now pay $ XXXX a month to get his name off. Modification never included ex husbands signature as he is the XXXX  on the loan. Rate changed and then told me ex husband will NEVER be removed. I complained all the way up to the VP of Customer Service at Freedom Mortgage and was told they would only match the unaffordable 4.75 % and nothing lower for everything they have put me through. Freedom mortgage even attempted to cover there illegal modification by contacting my ex husband stating they needed his signature since they never had it in the first place to do the modification. Unacceptable as a XXXX  XXXX of XXXX trying to make it after such a horrific incident. Freedom mortgage is trying to take advantage of this circumstance by not only charging a horrendous interest rate but forcing me into foreclosure because of it to inevitably foreclose on it. I truly wonder how many low income people this company has taken advantage of through the loss Mitigation unit where they do these modifications based on not being able to afford your mortgage.
Consumer complaint received 2022-03-22
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: EQUIFAX, INC. (NJ)

Failure to respond within the generously allotted 30 days. 
XXXX XXXX Company has failed to comply to report 100 % accurate payments listed as XXXX is unlawful and misleading I have attached the CRA Consumer report with PROOF
Consumer complaint received 2018-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (MN)

I have XXXX Doolers in Citi bank I cant acsses 2 years without a Phone Im a XXXX living in XXXX XXXX, I went two 5 Pone Companies couldent Get USA bank Phone numbers two Work Two Call a USA Bank Requires International Long Distance Cell Phone may cost me XXXX a Year Or I live in 5 coutries a year and buy 5 new Phones or 5 new SIM Cards XXXX XXXX has email Verifiation and XXXX XXXX is the only Bank Usable two me I would like Citi bank two mail XXXX XXXX a Check fore XXXX Dollers two XXXX XXXX so I can buy Mutuail Funds and Stocks Citi bank could email me the Bank Code Citi bank Could make the Transfer Fore me
Consumer complaint received 2019-09-16
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. (FL)

On XX/XX/XXXX of 2019 a hard inquiry was ran on my credit by XXXX XXXX XXXX XXXX XXXX. I have contacted the global fraud department for that company and equifax and XXXX as well. XXXX XXXX XXXX has no record of pulling a hard inquiry on my credit report and equifax will not help me unless I file this complaint. XXXX XXXX XXXX has also not helped and gave me false information about a reference number from equifax that does not exist with equifax and none of the agencies are helping me nor have a record of my hard inquiry being ran on XX/XX/2019. I have know where idea where to go from here thank you Regards, XXXX XXXX
Consumer complaint received 2022-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. After that I sent you the attached letter and I never got a sufficient response. Unfortunately, credit bureaus often use software that does not complete thorough investigations.I am disputing the following information directly with you, the furnisher of information, and I am requesting that you send me all papework you have on this account so i can review the accuracy of your reporting. You are a financial institution identified in 15 U.S. Code 1681a ( t ) Financial Institution.The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer. For the record I do know and understand by law, who you are and who I am. 
1. I would like to see your GAAP ( general acceptance accountability principles ) which is your paper trail from where/when it came directly from your account. 
2. I also want to know who is the original creditor?

3. I am also requesting the Individual Masterfile ( IMF ) pursuant to 15 USC 1681G this should contain every payment I ever made, the original wet signature contract, not a copy or printouts, it should also contain info on where you got it, how you got it, and when it was stored. If dont get this its a violation 4. Also I do not recall you CLEARLY and CONSPICUOUSLY disclosing to me the CONSUMER my right to opt out according to.
Consumer complaint received 2019-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (IL)

I have been charged a Draft Fee based on the following schedule without notice by MyLoanCare/XXXX : One-Time Draft Fee Schedule On or before due date-No Fee 1-4 days after due date-No Fee 5-9 days after due date- {$5.00} 10-15 days after due date- {$10.00} 16 days or more after due date- {$10.00} I was not notified a change in charge for a online payment fee. This fee was not on the original agreement, or any other agreement that I have signed. In my statements, the document reads that I have up to 16 days till a late fee in is incurred, which is what was agreed upon for the loan. The Draft Fee that XXXX is imposing it just a disguise for a late fee.
Consumer complaint received 2019-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (IL)

In XX/XX/2019, I applied a XXXX XXXX Credit card, and this credit card had welcome bonus offer which spending {$1000.00} within 3 months, and earn XXXX XXXX XXXX  points. There was no any pop up box to informed me that I may not eligible for the welcome bonus. Therefore, I was continued to submit my application. In XX/XX/2019, I meet the spending requirement which spent over {$1000.00}. However, I haven't received my welcome bonus points of XXXX Honors points after the statement period. I called the American express customer service department, and try to figure out the reason. They opened a case for me on XX/XX/2019. The case number is XXXX. However, I called them today XX/XX/2019 to check my case status. The American Express responded me that the case has been closed, and they could not give me the specific reasons for declining my welcome bonus offer. Based on my history in American express, the XXXX XXXX credit card is my first personal credit card, i never had this credit card before. Also, When i submitted my application online, the american express website did not pop out the notification to inform me that i may not eligible for the welcome bonus offer. It is unacceptable that the american express declined my welcome bonus offer after i meet the spending requirement, and did not inform me when i submitted my application. The American express do not behave or act in a honest way to his customers.
Consumer complaint received 2022-09-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (TX)

The home depot has closed my account according to XXXX, XXXX and XXXX. My home depot card has not been working since last year. 15 USC 1681 section 602 ( A ) States I have a right to privacy. 15 USC 1681 section 604 ( A ) section 2.It also states a consumer reporting agency can't furnish an account without my written permission. I know they have violated the Truth in Lending Act. Under Tila consumers are protected against deceptive practices of misrepresentation, failure to disclose, unfair credit practices, and unfair credit billing, charges made in the wrong amount, charges that appear on the bill but where not actually processed by the consumer. Also referred to as unauthorized charges. Credit Card companies are ordered to provide statements for credit accounts at least 21 days before payments are due. Finally, failure to properly reflect charges or payments to credit or charge accounts.
Consumer complaint received 2019-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

Chase Bank decided to place my account on a " restricted status '' because " they no longer want to do business with me '' after a disagreement on XX/XX/2019. I had {$1600.00} in the account at the time. Chase Bank refused to pay and honor the checks and transfers I had authorized and debit them from the balance, instead returning all of my checks and transactions, even though there was more than sufficient funds in the account to cover these transactions that were completed before the bank decided to " restrict '' and " close '' my account. To refuse to pay items that were issued in good faith and with honor and integrity, when there is more than sufficient funds in the account to cover them, is nothing short of a XXXX move and if it isn't completely illegal for the bank to honor a check written in good faith with the available funds in the account to do so, it should be. 

It isn't legal for me to write a bad check. How is it legal for Chase Bank to refuse to pay a check that I wrote against the funds available in my account? About to be closed, or otherwise?
Consumer complaint received 2018-12-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Midwest Service Bureau, Inc. (KS)

On XX/XX/2018, I filed a complaint regarding the unprofessional conduct at Midwest Service Bureau with the Consumer Financial Protection Bureau. While completing the complaint I inadvertently activated the auto-fill feature on the family computer which auto-populated the address and changed the name from XXXX XXXX to XXXX XXXX XXXX. 

In the initial complaint number XXXX that I filed a complaint against Midwest Service Bureau due to their unethical conduct. Specifically, the clear conflict of interests in accepting accounts that Midwest Service Bureau engages in and the coercive positions it places consumers in.

In my initial complaint, I made a reasonable request that Midwest Service Bureau close the account due to the conflict of interest. Their response was nothing more than defamatory and libelous statements provided to the consumer financial protection bureau without providing any response to the request to close the account or an answer to the dispute. 

Additionally, not only do the statements about my son not only have nothing to do with the heart of the complaint the statements are both unconscionable and highly irregular. As such, the statements provided to Midwest Service Bureaus response both make a mockery of complaint process with the consumer financial protection bureau as well as show a clear need for federal and state oversight. 

Finally, it would appear that I do not have the same rights as any other consumer when it comes to filing a complaint with the appropriate regulatory agency. I say this because I filed a complaint against Midwest Service Bureau and instead of addressing the actual allegations Midwest Service Bureau instead engaged in frivolous assaults on my son. Does this mean that I can not make a complaint regarding unethical behavior without having to fear retribution against me or my family?
Consumer complaint received 2018-12-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OR)

XX/XX/2016 I started going back to school to earn a XXXX 's Degree in XXXX. At this time Navient put my loans on Deferment without informing me of this. After two months I noticed no payments were being made to my student loans and a small amount of interest was added to the account. I never would have know the loans were put on deferment if Navient wouldn't have called me asking if I wanted to open a loan as they saw I am back in school. I responded that I did not need any additional loans and that I did NOT want them to put me on deferment again. Since then I have had no issues with the loan provider but they are making changes to my account without informing me the lender, increasing my total amount owed! I truly feel that there may be  other information they are not telling me and they are charging me more then what I owe.
Consumer complaint received 2023-08-23
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 — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.