davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

All three major credit bureaus showing incorrect credit history and inquiries on my credit file. I have disputed multiple times to all three bureaus and no respond or either correction from XXXX and XXXX. 

Experian did corrected few items from my report but no action from XXXX and XXXX. 

There is almost 100 point credit score difference between Experian and XXXX.
Consumer complaint received 2018-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MI)

I received a statement dated XX/XX/XXXX from my mortgage company stating my payment was late and that I was charged a late fee. I called on XX/XX/XXXX after returning from an overseas trip and spoke to XXXX ( agent number XXXX ). XXXX explained I received a late fee because my payment was received after the grace period. I told XXXX I have confirmation from my bank indicating they sent the XXXX payment on XX/XX/XXXX and Freedom Mortgage received the payment on XX/XX/XXXX. I asked XXXX to check into why it took Freedom Mortgage ( Headquarters location is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX, NJ XXXX ) so long to process the payment. XXXX put me on hold and contacted a team leader. XXXX came back on line and told me there was an issue at their payment processing center during the month of XXXX and that they are going to waive the late fee. I told XXXX thanks, but this is the second late fee I have been charged by Freedom Mortgage through no fault of my own and requested to speak to a supervisor. XXXX transferred me supervisor XXXX ( agent number XXXX ). XXXX told me the company had is issue with their lock box in XXXX and it caused a lot of customers to receive late payment charges/noticed. I asked him since the company knows they have an issue, are they taking corrective action automatically or are they only thanking action when customers call to complain. XXXX indicated they are taking action when customers call. He gave no indication the company is taking corrective actions for the accounts where customers do no notice the late fees. I can provide supporting documentation if required.
Consumer complaint received 2019-04-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CA)

I writing to complain about the IDR repayment plan and the failure of PHEAA, through both AES and MyFedLoan, to properly determine eligibility, calculate payments, and process applications in a timely manner. Every year, both my spouse and I, submit our applications timely and they never get it right. Either they deny eligibility, though we are clearly eligible under the guidelines, they fail to calculate our payments properly, and they take longer than any other servicer to process IDR applications. This corporation should be stripped of its ability to service federal student loans and their servicing portfolio should be distributed to other student loan servicers. For example, XXXX has done an excellent job so far. I encourage you to review the accounts serviced by PHEAA. I personally have experienced an unnecessary capitalization of interest to principal and prolonged delays in getting my loan properly serviced. I dread dealing with them on an annual basis and dream of the day that my ( and my spouses ) loans will be transferred to another servicer.
Consumer complaint received 2022-09-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Innovate Managed Holdings, LLC (NV)

I have had a loan with the company since XXXX of 2021 and have yet to receive a statement, or a bill, or a breakdown of how my payments are being applied. I have never been late or missed a payment but am now receiving emails stating they are attempting to collect a debt and my account is in collections. When I call the company they are not able to locate my account by number but are able to show my payment history. They stated they can not send out statements because they are behind with a system upgrade, but I have never received one. They also stated they would send me my payment history, but I have not seen that either. Their website doesn't show any details.
Consumer complaint received 2023-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NJ)

I have consistently made rebuttals and claims within the past few weeks with chime. I had money fraudulently taken from my account. I live in New Jersey, was at work and received multiple fraudulent charges totalling of $ XXXX dollars. Each charge was {$24.00}. Not only that, afterwards there was another charge of $ XXXX that luckily got denied because the funds weren't in the account at that point. I made a claim, and for weeks I've been tossed around like the issue doesn't matter. I keep getting things back saying they think " no error has occured '' ... how would it be possible for me to made transactions in XXXX XXXX XXXX when I was working in New Jersey and didn't even have my phone. I submitted a rebuttal, submitted proof of my work schedule, location, as well as the locations of the charges. 

Not only that, I got a new different card in the middle of that, and the fraudulent charges happened again. This time for {$10.00} and {$25.00} from XXXX XXXX. I was asleep at this time. After that, another charge of over $ XXXX tried to come out at an XXXX jewelry place. I spoke about this and submitted a claim again, and again, same result. It was denied and asked to submit a rebuttal. This bank is either scamming people in these scenarios even when they get proof. This may even most likely be happening to many other customers. This is ridiculous.
Consumer complaint received 2019-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

This Debt was paid in full when they garnished my tax refund check in 2013 I have contacted the the department of education on several occasions but they have failed to submit me the information validating the debt is very frustrating. I'm trying to buy a house and i cant get them to remove this negative information from my credit report. There is a big discrepancy on my report with XXXX XXXX XXXX as well which is very confusing both student loan companies are reporting inaccurate information. I was young at the time and didn't know the severity of this situation and how it affects my credit. Please help me with this situation as i try to progress to be a productive citizen.
Consumer complaint received 2022-11-07
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. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$420.00} ; U S DEPT OF EDXXXX XXXX Balance XXXX {$38000.00} ; U S DEPT OF EDXXXXXXXX XXXX Balance : {$33000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$9800.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2023-08-19
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)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account 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 seven 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 2019-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Peter Roberts & Associates, Inc. (MA)

XX/XX/2019 a 93A Demand notice was sent to PR via certified mail. This notice informed PR that the account they listed on my credit report was showing illegally ( under MA state law a debt collector may not place their name on a consumer credit report, PR has listed their name in violation of this law ) and the account does not belong to me. I demanded proof of their claim as well as removal of the illegal listing. They failed to comply. 
XX/XX/2019 a second 93A Demand notice was sent to PR via certified mail requesting proof of their claim and removal from the credit bureaus. They with a statement of " request has been sent to the credit bureaus, directing them to " expunge '' any derogatory information ''. The listing was removed from XXXX and XXXX. However, it was NOT removed from XXXX. 
XX/XX/2019 a third notice was sent to PR requesting removal from XXXX. PR failed to reply and failed to remove their listing. 
As of XX/XX/2019 PR is still reporting illegally and attempting to collect upon a fabricated debt.
Consumer complaint received 2019-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MD)

This complaint is in regards to fraudulent activities on both my checking and savings accounts with Chase bank. A few days ago there were fraudulent charges coming out directly from my checking and savings accounts. I called Chase immediately to lock my accounts and file the respective fraud claims. The Chase agent said that she would freeze my accounts until I could open new accounts. Two days  later, I received a Chase alert that my checking account was overdrawn. There were three more fraudulent charges made which completely had wiped out my checking account. The Chae agent did not place the freeze on the accounts. I went to the branch, filed more claims for three more fraudulent charges and opened new accounts. The next day I saw that Chase was reversing my stolen money to the compromised checking account instead of the new account. I no longer have access to the compromised account, therefore this reversal means nothing. Every Chase person I talk to tells me a different thing. The inefficiency of this company is outrageous. The branch manager said that they are doing activity with the fraudulent account because its part of the investigation, my case manager with Chase now tells me to withdraw money from the compromised account and put it into the new one, the Chase agent on the phone tells me its not up to them now to get those funds transferred to my new account. I sit here penniless, frustrated, and in disbelief of what is happening.
Consumer complaint received 2019-04-12
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. (FL)

XXXX and Transunion are reporting incorrectly that I am 120 days past due on XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 7 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

I need to file a complaint on Experian I have asked them to Investigate Errors On my credit file in which they failed to I pay for Experian credit monitoring these accounts are not reporting correctly I asked Experian to remove these account ASAP XXXX XXXX XXXX No account number attached. also a charged off showing that is a violation of the FCRA but they claim they have verified the account. I asked that this account be remove from my credit file today I will also need to see Physical proof of their investigation as Follows Who they talked when they talked to them employee Id number what Documents did you send them what Documents that they send you also any credit App with my names attached and Signed and dated if you can't or won't send the Physcial documents delete asap Please reframe from using XXXX XXXX as I need Physical Proof I will not ask again for Physical Proof again Next step with be legal actions see file from your website!
Consumer complaint received 2023-01-03
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. (CO)

I originally sent Experian a letter in XX/XX/2022 to investigate and update information that is being inaccurately reported on my credit report on XXXX XXXX XXXX  I sent a follow up letter because I didnt receive any response nor were any of these accounts notated as being in dispute. 

I sent another follow up letter in XX/XX/2022 because they only corrected 3 of the 7 accounts. All the accounts are reporting the same and they are ALL WORNG. SO they ALL should have been updated They are reporting on these accounts an inaccurate payment status. 
2 of the accounts are closed and they are reporting a derogatory payment status. 2 of the accounts are open and current, 1 is a dept of education student loan that is in deferment so not only are they violating FCRA, they are blatantly disregarding FEDERAL LAW.

Ive included 4 of the accounts copy of the credit report with the information that is being reported by THEM NOT THE CREDITOR inaccurately. 

I will not accept any response stating that the creditor has verified its reporting accuretly, IT IS NOT THE CREDITOR that Is reporting it wrong EXPERIAN is reporting WRONG. 

I also included all three letters that were sent to them.
Consumer complaint received 2019-04-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (FL)

PNC bank in XXXX New Jersey in the year 2013 claimed that I took money out of my minor children 's accounts of nearly amounts of XXXX XXXX XXXX XXXX XXXX XXXX which caused me to get a judgment where I had no knowledge of those accounts and they were not supposed to be enter into XXXX with my account I had a bond on those account with my trust attorney I would never kept in the loop I hate the me get my due diligence I with never this close to meet all of the out of the acts of going on and it was intentionally set up that I that money become XXXX and I want an investigation subpoenas that have might thing court even though statue the limitations the as 'd be exe exe a different circumstances here I with ill and thick in-and-out of hospitals and I deserve my right in court
Consumer complaint received 2019-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lake City Credit (CO)

I have an invalid " debt '' of appx. {$590.00} that was charged off by XXXX XXXX in XXXX. In appx. XXXX I was contacted by a creditor about this claim and provided multiple pages of documentation showing it was not valid. Nonetheless, this information has transferred to a new collection agency, Lake City Credit, who absolutely refuses to stop calling me about this claim although I've stated multiple times to them that their claim is over a decade old, it is not a valid debt, and requested they stop calling me. I've never received anything in writing from them. I've made multiple requests to them to stop calling, and I still receive calls once or twice every week. I was finally able to get the address for the debt collector from their employee, which they provided as Lake City Credit, XXXX XXXX XXXX, XXXX XXXX TX XXXX.
Consumer complaint received 2023-08-19
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. (FL)

I reviewed my consumer reports and noticed that I had late payments, charge offs, and repossession on the below accounts 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 Accuracy. I have never been late on payments for the accounts that are listed below. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER LATE. Thanks... 

If, any reinvestigation under paragraph ( 1 ) of any information distributed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall...

( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: COAST PROFESSIONAL INC (MI)

After I was wage garnished by Coast Professional INC on XX/XX/XXXX, I received a letter from Federal Student Aid. Within this correspondence the statement, " Education loans included in bankruptcy petitions filed on or after XX/XX/XXXX, can not be discharged in bankruptcy unless the court finds that repayment would impose undue hardship ... .. ''. Then I realized that I didnt owe the loan. Being ignorant of the bankruptcy law at the time I filed for financial relief from the court I didn't have a great understanding, nevertheless, the petition was granted. I listed the US Department of Education as creditors. This creditor was the main reason I petition for relief. 

This case was filed on XX/XX/XXXX. It can to term on XX/XX/XXXX. The case is # XXXX XXXX. My Attorney was XXXX XXXX. 

Because I really didn't knew the law and total depended on my attorney because I was stressed in my state of mind. Because I didn't ask the important questions I thought I still owe the U S Department of Education and because they stated through communications that I did. 
I was know as XXXX XXXX at the time of the loan in XXXX. When I default I filed for bankruptcy in XXXX under this name. In early XXXX 's I got a judgement against me despite the bankruptcy. Tax refund off-set for decades were levied against me. The US Department of education didn't recognize my bankruptcy when it was within the law at the time pertaining to discharging student loans in bankruptcy.
Consumer complaint received 2019-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

RE : Fraudulent charges on teenager account Claim was denied Account in question : my daughter XXXX ( XXXX year old ) On XX/XX/XXXX, I received emails ( attached ) regarding unusual activity on XXXX account. I call the bank after I log in from my app on my phone and see all these activities that are clearly not my daughters. As I talk to the agent, I find out from XXXX that her card is missing and the last transaction she recalls is purchasing food at XXXX on XX/XX/XXXX. Someone stole XXXX XXXX card and logged online to make mobile check deposits : XX/XX/XXXX check amount {$1400.00} reversed on XX/XX/XXXX XX/XX/XXXX check amount {$3400.00} rejected on XX/XX/XXXX XXXX had {$15.00} on her account on XX/XX/XXXX and was never able to charge more than what is available her card would decline if she tried. 
Other charges and deposits were made all between the first and the XXXX of XXXX by the perpetrators. 
1. XX/XX/XXXX Cash deposit of {$3.00} ( Monday ) Capital One in XXXX we live in XXXX XXXX and this is a school day and we have never been to branch. 
2. XX/XX/XXXX Debit card purchase {$1.00} ( Sunday ) 3. XX/XX/XXXX Debit card purchase {$1.00} ( Sunday ) 4. XX/XX/XXXX Debit card purchase {$100.00} ( Tuesday ) On XX/XX/XXXX, one agent and her supervisor both told me that my daughter was called by the claim department and she confirmed she made the charges. I assured them that was untrue and they came back on the line and said that it was actually from the original conversation I had with them on XX/XX/XXXX. 
I am so disappointed that the conclusion was that actually my XXXX year old daughter made all these transactions while living 45 minutes from XXXX and being in high school all day and without having the card in her possession. 
The claim is closed and I received a letter stating that the charges are our responsibility. I called the claim department and was promised full details of the investigation and never received it. I would like to have someone resolve this issue. 
Thank you, XXXX : XXXX XXXX.
Consumer complaint received 2019-04-12
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

I'm XXXX YRS- works as a XXXX XXXX XXXX- for XXXX XXXX XXXX an Agency that is responsable to take care of the Sick, the bunerable, elderly, misfortunate, drug addicts, XXXX XXXX XXXX belong to the XXXX XXXX XXXX XXXX XXXX XXXX, I retire from them a few years ago, but I was not aware I had a Rollover-IRA- finally I had some money after I intervine, the Company sent the money to the Citibank located at, CITIBANK RETIREMENT PLAN SERVICE -XXXX-XXXX-XXXX- XXXX   XXXX, TX. XXXX- I have to remove the Money from them because of my age, the banking Staff at CitiBank , NA-XXXX-XXXX XXXX-N.Y. XXXX-Vice President NMLS # XXXX XXXX XXXX has help me with the transaction, fot the second time those people overthere are givingme the runaround always asking for the same information, I had submitted to them XXXX Driver Licency, as an ID- XXXX XXXX XXXX   Medicaid, my address, I need my refunds.