davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (AZ)

I have two student loans with fedloan servicing. 

One loan is a direct unsubsidized of XXXX, XXXX  and the other loan is a direct subsidized of XXXX, XXXX On Monday XX/XX/2019 I called to pay off my direct subsidized loan of XXXX, XXXX. I spoke to XXXX ID # XXXX. My confirmation number for my payment is XXXX. I made it clear to XXXX I wanted to pay off my direct subsidized loan of XXXX, XXXX. He said he understood. He told me it would take 2-3 business days to process. 

On Wednesday XX/XX/2019 I checked my online fedloan servicing account and the account said I owed XXXX, XXXX on my unsubsidized loan and XXXX, XXXX on my subsidized loan. This is not what I wanted. I wanted to pay off my subsidized loan of XXXX, XXXX  and just have one student loan ; my unsubsidized loan of XXXX, XXXX I called fedloan servicing one again On On Wednesday XX/XX/2019 I spoke with XXXX ID # XXXX. I informed her of my payment on Monday and informed her I wanted to pay off my subsidized loan. She said she would reapply the payment. She informed me this would take 2-3 business days to process. 

On Friday XX/XX/2019 I checked my fedloan servicing online account and it said I owed XXXX, XXXX on my unsubsidized loan and XXXX, XXXX  on my subsidized loan. I call fedloan servicing on Friday XX/XX/2019 I spoke with XXXX ID # XXXX. I informed her this was my third time calling. She said she would take care of the issue. I specifically informed her I wanted to pay off my loan of XXXX, XXXX which was my subsidized loan. I informed her I only wanted one loan of XXXX, XXXX which is my unsubsidized loan. She said she would take care of the issue. She informed me if would take 2-3 business days to process. 

On Tuesday XX/XX/2019 I checked my fedloan severing online account and it said I owed XXXX, XXXX on my unsubsidized loan and XXXX, XXXX on my subsidized loan. I call fedloan servicing on Tuesday XX/XX/2019 I spoke with XXXX ID # XXXX. This is the 4th time I call and waste my time. I informed XXXX the issue. He now informed me it would take 15 days to resolve the issue. 

I am not sure what fedloan servicing is trying to do with my loans. I have called 4 times and the problem is not yet resolved. 

It is easy On XX/XX/2019 I wanted to pay off my direct subsidized loan of XXXX, XXXX  This did not happen. 

I will never ever go back to college and get a student loan again. 

BEWARE OF FEDLOAN SERVICING
Consumer complaint received 2022-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

Please see attached pdf which summarizes dates, contacts made, and purpose of contact. 

At the end of XXXX I noticed several charges on my credit card that I didnt make. The charges were made in XXXX, Texas and I live in California. One large amount to XXXX XXXX for almost {$4000.00}. Also XXXX charges to XXXX  XXXX. I have reported this to Chase and they have come up with different reasons for not validating the fraud. XXXX  XXXX  because I ordered from them ONCE before about 6 years ago in XXXX XXXX using a different card. I didn't even have this card then. XXXX XXXX because they said that my home phone number was called and the charge approved. This is not true and they will not show me any proof. They originally denied claim because, they said, I was notified by email and didn't respond. I hadn't even seen the email until after I spoke to them. 

Please see details and dates in the document. I'm also attaching copies of the receipts and invoice from XXXX XXXX and charges from my statement for XXXX XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXXXXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES | HAVE THE RIGHT TO PRIVACY. LK 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
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX {$2100.00} XXXX XXXX {$3500.00} XXXX XXXX {$4500.00} XXXX XXXX {$2400.00} XXXX XXXX {$990.00} XXXX  acquired my student loans from XXXX XXXX XXXX on XXXX XXXX, and reported XXXX late payment for each loan in XXXX. XXXX  XXXX XXXX never reported any late payments nor was I ever late on any payment.
Consumer complaint received 2022-02-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (NV)

I received a letter from Pennymac on XX/XX/XXXX stating that XXXX YOU RECEIVED THIS NOTICE '' Because HO insurance is required on your property, we plan to buy insurance for your property ... .. ( i will attached a copy for the full language.

I signing into my loan portal with Pennymac and can see that they disbursed the insurance premium from my escrow account on XX/XX/XXXX. I can also see that they reflect a policy expiration of XXXX. 

I then send them a message ( in loan portal ) asking why they would send me this letter with this language when they pay my insurance. They indicated that they need to update their records. Which I can understand but the language is not appropriate for what is actually needed. 

I am reaching out to CFPB because I believe there language is very threatening when I did nothing wrong. I work in this industry so I know better, but other Veteran would not and this caused UNNECESSARY STRESS.
Consumer complaint received 2022-02-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Unauthorized credit inquiries on my credit report, I've sent TransUnion Consumer credit reporting, letters dated XX/XX/XXXX and XX/XX/XXXX, to include calling every month to their fraud department, " unable to reach live operator, just a recording and only option to place a fraud alert on my credit file ''. Unauthorized credit inquiries : XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ). I did not authorize these inquiries and requested TransUnion Consumer to send me documentation verification, they failed to do so.
Consumer complaint received 2021-12-21
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. (CA)

According to 15 USC 3002 I am a natural person which means my name in all caps is not me. My name is XXXX XXXX XXXX XXXX 15 USC 1681a ( 3 ) ( E ) ( e ) The term investigate consumer report means consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of livi

ng is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 15 USC 1692
( A ) ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection. XXXX, XXXX, XXXX, and Experian Is acting as a consumer reporting agency as defined in section 603 ( f ) of the FCRA under 12 CFR Part 1022 Regulation V. 

Who did XXXX, XXXX, and Experian interview and can the provide the interviews with neighbors, friends, or associates of the consumer reported on?

DEPARTMENT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX  The accuracy and integrity of these reported accounts are misleading and inaccurate.
Consumer complaint received 2022-02-03
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: ENCORE CAPITAL GROUP INC. (CT)

Pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

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. 
[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ]
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: DigniFi (CA)

In XXXX of this year, I was the victim of identity theft. Fortunately, I was able to catch it fairly quick and the fraudster was only able to open up XXXX  accounts- a credit card and a personal loan. I was able to very easily work with the credit card company to dispute the account and it was closed in a fast and efficient manner. I filed a police report with XXXX XXXX Police Department at the time of the event. 

A few weeks later, I noticed the personal loan and immediately got in touch with Dignifi. I was told they would be unable to do anything until I provided a police report. I attempted to work with them on other options in the meantime to ensure they didn't report this as fraud to XXXX and the other credit agencies. I was told they are unable to do that and they would not take action until they had a police report that said Dignif on it. I was also told that if I provided a police report case number they could work with XXXX directly to take care of it. 

I went back to the police station, added dignfi to my complaint, and request a copy of the report. XXXX is fairly backed up and I still have not gotten the report. I tried emailing Dignifi to work through next steps and gave them the case number. I have sent XXXX unanswered emails since XX/XX/XXXX. 

In the meantime, they have called me to try and get a payment on the loan and have also attempted via the mail. 

Additionally, when XXXX reached out about my dispute, Dignifi reported it as legitimate. 

On top of all of this, I asked Dignifi when I was on the phone what kind of XXXX  they conduct and they told me they do not require a copy of an ID to get a loan which I found disturbing. 

Overall, the customer support has been terrible and they still have not resolved this.
Consumer complaint received 2021-06-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

Equifax is reporting an account on my credit report with no creditor listed. I've been sending letter after letter about this issue. How can I verify an account if I don't know who this account belongs to or where it came from. I have been sending letters since XXXX of last year to no avail.
Consumer complaint received 2022-12-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cooling & Winter LLC (GA)

Please Help! XXXX XXXX has furnished a charge-off on my consumer file that does belongs to me. As stated before I never authorize this account. I have attached a copy of debt validation Exhibit A. Exhibit B a letter from XXXX  XXXX stating that the account in question was taken over the phone or the internet. Exhibit C and FTC report, Exhibit D a letter from XXXX  XXXX stating that they are closing the account. Exhibit E is a letter from XXXX XXXX stating that they will be forwarding my fraudulent application to their fraud department which they never did. Exhibit F is a cease and desist letter to XXXX XXXX which they continue to violate. XXXX XXXX just placed an account on my consumer file with the attempted to ruin my credit worthiness without being able to validate.
Consumer complaint received 2019-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AL)

all 3 credit bureaus are reporting a public record on my credit that I have no knowledge of and I haven't given no one including third party companies written permission to obtain any information on me and no  judicial system releases information to second or third parties because its illegal and I can sue them.
Consumer complaint received 2018-08-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (MA)

There have been times in which I had to overdraw my account just to get by for the week. I would note all my transactions ahead of time to make sure they had already been withdraw from my balance prior to overdrafting my account to avoid any unwanted fees. Regardless, I would be surprised by more fees than what I was expecting. I wanted to get to the bottom of this so I started to screenshot my mobile banking app with the menu bar down to show the date and time. It wasn't long before I realized I was being charged inaccurate fees and I could prove it. I went to a TD Bank branch and spoke with a manager and was able to show her the transactions that were already deducted from my balance and a positive balance still remained afterwards. She proceeded to return the unfavorable fees back to me and told me I was possibly charged due to the date and time the vendor closed their batch. Even that seemed like a excuse without much behind it due to the fact that overdraft fees are charged when the bank must cover the cost of a transaction which in this case the bank did not do that no matter when the batch was closed. The manager notified me that I was unable to get any future overdraft fees returned due to the fact that I was only eligible for one per year. That did not help in the long term aspect of the situation as this is continuous issue. I have enclosed screenshots to further show that I was charged 3 overdraft fees that should not be existent on my account. The screenshots from Monday will show all the transactions deducted from my available balance and a remaining balance of $ XXXX and all will show the same date and time. The screenshots from Thursday will show each of those transactions again but that I was now charged overdraft fees on those three transactions. Regardless, those funds were deducted from my account 3 days prior and even left my account with a remaining positive balance. I must state that two of the overdraft fees shown are indeed legitimate. I did overdraw my account Monday at approximately XXXX at an ATM to catch up from the past few weeks.The screen shots were taken moments before I went inside to use the ATM. However there are still a total of three excess overdraft fees that I can't find any possibility to be justifiable. I would like to bring attention to this matter and see if this can be resolved because a visit to the bank branch is no longer an option for me as I am immediately dismissed and they claim they can't help me and the fees are accurate. A call to customer service is also not an option because they are unable to see the proof with the screenshots over the phone and are also unable to see which items have been deducted from my account balance days prior.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Im filing a dispute on my credit for a numerous of charges and accounts Im not familiar with such as and In accordance with the fair credit reporting act has violated my rights an XXXX XXXX account for the amount of XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I am unfamiliar with all of the following transactions and would like for all of these to be examined and removed. 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
Consumer complaint received 2021-06-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NC)

I would like to file a complaint against the retail company J C Penny. I had an account with the company and it was almost paid off. I was told there was a {$400.00} balance and I ask if as many of my previous payments could be allocated to cover the balance so that would be done before the promotional period date. I was told yes and it would take a couple of months. I continued to pay the minimum amount but every month if the adjustment was put on it was also taken off. I called every month after getting my bill for a year only to be told not to worry about it the late fee would be taken off and the adjustments would be allocated correctly. It never happened and I am now being told they are reporting my account as delinquent to the credit bureau ruining my perfect credit! Ive had an account with them for years and now since right before the pandemic I am being frauded. They have jacked my account up to thousands of dollars and continue to send me bills and threatening letters with the same. I dont owe them any money and I requested the account be closed last year! I destroyed the card and have not shopped in the store in years. If they are allowed to get away with this, imagine how many others they are stealing from. I have requested previous statements to send when needed. Please help me.
Consumer complaint received 2022-02-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (GA)

XXXX, I contacted XXXX XXXX XXXX ( XXXX ), concerning a debt that was showing up on my credit report. I explained to XXXX that I'm a veteran with full coverage through Tri-Care for life military insurance. I also informed XXXX that I was not aware of any services rendered by their company. I live in XXXX XXXX, Georgia and most of my XXXX XXXX are provided by the Veteran Administration or XXXX. I asked for XXXX to send me any billing that would confirm my being seen by them. XXXX never responded by sending a bill and their claim was removed from my credit report. XXXX of XXXX, another claim was filed because XXXX sold the claim to Lockhart , Morris & Montgomery inc XXXX XXXX XXXX We disputed the claim once again through the credit bureau. XXXX has continued to validate that the bill is mine. I believe this is medical fraud. If this is a second-part carrier, then they would have to bill my insurance. I'm not aware of what is going on, but need help with making these companies practice in good faith. The amount of the claim is XXXX. The opening date of the claim was XX/XX/XXXX.
Consumer complaint received 2021-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Brown and Joseph, Ltd (CA)

The collector is a company named Brown & Joseph , LLC. They are representing XXXX XXXX XXXX. They claim I owe {$620.00} for an insurance policy I never renewed. I have notified Brown & Joseph, LLC three times that I did not renew the policy. Twice, I requested documentation from them, which I am entitled to do under federal law. The most recent time, I provided documentation proving I did not renew the policy. Brown & Joseph refuses to acknowledge my lawful request and continues to harrass me by Email, phone and mail. Their representatives on the phone are extremely rude and have called me a liar.
Consumer complaint received 2017-02-01
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (GA)

Was applying for ibr consolidation with Navient and they told me everything was fine. Now they never finalized the process and never contacted me for additional information. Now the dept of ed put a wage garnishment on me and wo n't allow consolidation.
Consumer complaint received 2019-08-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC (AZ)

SECURITYCRED {$520.00} on credit report since XXXX. 

I disputed this in XX/XX/XXXX requesting accuracy and the name of the Creditor but all they did was say it was an accurate debt. 

I am not sure who this creditor is or why theyre on my credit report.
Consumer complaint received 2018-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I am having some issues on my credit report. I have inaccurate information showing My name is XXXX XXXX XXXX. my DOB is XX/XX/XXXX. My currnt and only address is XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. My phone number is ( XXXX ) XXXX. My current employer is XXXX XXXX XXXX. 
The following addresses are not mine please delete them : XXXX XXXX XX/XX/XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, OH XXXX The following phone number are not mines : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX