davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (NY)

RE : ACCOUNT NUMBER XXXX XXXX XXXX I qualified for Public ( Student ) Loan Service Forgiveness and my student loans were forgiven by FedLoan Servicing on XX/XX/2022. 

However, in a previous correspondence/letter, FedLoan Servicing ASSURED ME that FedLoan Servicing will be reporting my forgiven consolidated amount of XXXX to the Three Credit Bureaus as XXXX PAID IN FULL ''. 

THIS IS NOT THE CASE. FedLoan Servicing is wrongly reporting to the Three Credit Bureaus as " PAID.CLOSED ''. PAID/CLOSED COULD BE FOR DIFFERENT REASONS, BUT PAID IN FULL IS WHEN THE ACCOUNT IS PAID IN FULL TO FED-LOAN SERVICING XXXX THE DIFFERENCE BETWEEN " PAID IN FULL '' AND " PAID.CLOSED '' IS HUGE. If FedLoan complete their obligation to Report my XXXX loans to the three credit bureaus as " Paid In Full '', then my credit score will be increased. When FedLoan Servicing is reporting that my newly consolidated student loans are ONLY " PAID.CLOSED '', that reflects negatively on my credit score, because FedLoan does not direct the three credit bureaus that my student loans are FORGIVEN OR PAID IN FULL BY THE GOVERNMENT. 
THIS IS WRONG. 
See the following explanation by XXXX : " The Difference Between Closed and Paid-in-Full. - Revolving accounts, like credit cards, are referred to as " closed '' when the account can no longer be used to make charges.Credit card accounts will show " closed '' with no balance rather than " paid in full '' so that there is no confusion about whether the account is open to new charges. Paid, '' or " paid in full, '' is the term applied to installment accounts, like car loans/student loans, after the last payment is made and you have completed repayment of the loan as agreed. XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX  # 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 instruction
Consumer complaint received 2022-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (DE)

We cancelled a XXXX XXXX due to Covid. XXXX issued two credits {$680.00} on XX/XX/XXXX and {$31.00} on XX/XX/XXXX to Chase AARP credit card even though we no longer used that credit card. XXXX  policy is to put the refund on card that was used for deposit, even though we told them we no longer use that card. Chase was taken over by XXXX & we didnt activate XXXX XXXX. Both banks, Chase & XXXX can not locate any of our account information. XXXX will not refund our money because they say they no longer have the funds. XXXX says to contact banks collection department. We have gone in circles, contacting all again.
Consumer complaint received 2020-07-30
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (NV)

On XX/XX/XXXX, we were contacted by XXXX XXXX at Freedom Mortgage who informed us our VA Loan was eligible for an IRRR. We completed the paperwork to lock in everything on XX/XX/XXXX. On XX/XX/XXXX, I reached out to XXXX via email because we had received no update. We were contacted on XX/XX/XXXX to schedule our closing. It was scheduled for XX/XX/XXXX and we were told to not make the XXXX payment. The week prior to XX/XX/XXXX, we were contacted by XXXX XXXX XXXX to confirm the appointment and get our gate code. On XX/XX/XXXX, we received the appointment reminder email. On XX/XX/XXXX, the appointment time arrived and no one showed up. We contacted XXXX XXXX XXXX and were told that the notary was not coming because there had been a discrepancy in the closing disclosure and although it had been resolved, the paperwork did not arrive in time for the notary to get everything. We were told we would be contacted for it to be rescheduled. I also emailed our Loan Officer, XXXX XXXX. I was contacted that evening by a customer service person apologizing for the issue and letting me know that it would get rescheduled. 

We heard nothing back from anyone. On XX/XX/XXXX, I sent an email to XXXX asking about the appointment getting rescheduled. He replied 'I will get the scheduling team to call you today. I was unaware, my apologies. I will handle this now '. A couple of hours later, I received a phone call from someone asking when I was going to make our XXXX payment. To my surprise, I was told we needed to make the XXXX payment or our credit would be dinged. We didn't make the payment at the request of Freedom Mortgage and they failed to do their job. Even after escalating the issue to XXXX XXXX, we are being told we have to make the XXXX payment to avoid something being marked on our credit. And, that we have to make the payment to be able to move forward with the IRRRL. This is absolutely absurd.
Consumer complaint received 2022-01-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (WV)

we had gone into a forebarence plan with Caliber Loans. our loan is federal backed/FHA, and we kept asking if they would roll the amount to the end of the loan..they said yes but never really made it clear that it would actually be a sub loan and effect us being able to refinance the loan. we desperately need to lower our payment, but cant because they want us to pay XXXX off before we can refinance.
Consumer complaint received 2020-07-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

My case reference ID with PayPal XXXX I used PayPal direct deposit to receive benefit payment into my account which was a total of XXXX usd On XX/XX/20 PayPal then limited my account same day I was unable to withdraw funds or even send money I contacted PayPal immediately on XX/XX/20 PayPal only response to me was they couldnt do anything my money was to be held for 180 days and that was it I have bills to pay that cant wait for 180 days to come I contacted PayPal on several occasions throughout the week and only got a sorry theres nothing we can do
Consumer complaint received 2020-07-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MA)

Hi Express Manager ; How are you and hope that you're safe and sound during this pandemic ( COVID-19 ) that we're facing. I just pulled my credit and noticed a late payment on XXXX 2019 on this account. I'm not sure how can this be even possible. I was shocked when I reviewed my credit report and found that late payment in XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2018-12-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (CA)

GILA Corp ( XXXX ) XXXX  has attempted to collect a debt from me in the past that i found out was not mine at all. Upon my request, Gila Corp provided more details about the debt and i determined it was someone with my same name, but was not me. I proved this to them by telling them this person had a different birthday than mine, we only shared a name. The agent confirmed they would no longer call me or pursue this debt with me, but fast forward a couple years and now theyre back at it, calling my home 3 times a day. I do not feel that i should have to argue with them and prove to them my identity every 2 years in perpetuity, they need a better way of verifying identities of the people they harrass and not just blanket call everyone in the USA who shares the same name, hoping that theyre scare tactics will cause multiple people to pay a singular debt of someone they have the misfortune of sharing a name with.
Consumer complaint received 2020-07-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Avadyne Health Holdings, Inc (NC)

On XX/XX/2019 was my first appointment with XXXX XXXX XXXX an XXXX XXXX practice. This visit was originally suppose to be coded and billed as a " First time new patient visit to establish '' and it was not as reported by XXXX. I later received this bill and have been in dispute of it because in all the years I have been on XXXX and XXXX I have never paid for a doctor 's visit except for any copay that might be due which was about {$3.00}. 

I contacted the billing department at XXXX and XXXX and they have said they would take care of this issue. I was billed again and contacted the billing department again and they said the doctor is refusing to update the notations so the right coding can be submitted to XXXX. Today I received a debt collection letter about this bill that should have never been from day one. Even after my check-in on that first visit and I was advised there is no copay or no bill that would be due.
Consumer complaint received 2020-07-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (MA)

Hi TJX Rep ; How are you and hoping that you're safe and sound during this pandemic that we're facing. I just pulled my credit and noticed a late payment of {$6.00} on this account. I'm not sure how can this be even possible during this COVID-19 that we're facing. I was shocked when I reviewed my credit report and found that late payment in XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2022-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (CA)

I received a call from Target on XX/XX/2022 asking if I opened a new credit card. I did not. They told me that there was a {$300.00} charge on the card. Some of my personal information was correct, but some was wrong, like drivers license # and email address. Target 's case number is XXXX. 

I then received a letter from XXXX XXXX on XX/XX/2022 asking if I opened a card. I did not. I called the next morning, XX/XX/2022 and reported this to to XXXX XXXX fraud dept. 

On XX/XX/2022, I also received a notification from XXXX ( account opened on XX/XX/2022 ) that XXXX XXXX inquired about opening a card. I have disputed that through XXXX. My case number is XXXX.
Consumer complaint received 2022-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act, USDOEXXXX, XXXX Account # 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.
Consumer complaint received 2022-06-15
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)

I am XXXX XXXX, and I am submitting this complaint on my behalf I been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I sent them letters over 30 days ago and they failed to get back with me and they failed to notate that these accounts were in dispute plus these account violate the FCRA and FDCPA these accounts must be deleted immediately.
Consumer complaint received 2020-07-29
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)

Hello, my name is XXXX XXXX XXXX, my SSN XXXX. I have been trying to dispute incorrect information with TrunsUnion for over 9 months now without success. I have an XXXX charge off that happened back in 2018 and the card was since closed. The company insists on reporting it as a new charge off every months completely shuttering my credit from XXXX to XXXX and every month no matter what I do they report it as a new charge off so it looks like by now i have not 1 but 12 charge offs. Every time i call i get a foreign person on the phone that tells me that the info is correct and they will not file a new dispute or says they filled it without any results.Or even better, after they complete their " investigation '' they lower my credit score even lower. Please help! Its been 9 months of XXXX and i am on the verge of financial disaster because of Transunion mistake.
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In XX/XX/XXXX, I had opened a credit card with XXXX XXXX XXXX XXXX, Account # XXXX, opened on XX/XX/XXXX. The Account type on my credit report shows a revolving balance and closed account, however this is now over 7 years old, almost 8 years old, and is past the statute of the state it was opened in New  Hampshire, it is over in NY and where i currently live in SC. 

After working with XXXX XXXX over the past year, sending dispute letters and still seeing this on my credit report, I would like this removed immediately from my credit report on XXXX, XXXX and Transunion, ( all 3 major credit bureaus ). 

This is not legal, and i really appreciate your help. The current balance shows {$5900.00}, with a credit limit of {$5000.00}. 

My SSN # is XXXX DOB XX/XX/XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SC XXXX
Consumer complaint received 2022-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CLGF Holdco 1, LLC (AZ)

Sent card not wanted and did not activate called the card customer service demanded to remove the bill for it, now I'm following up with identity theft to complete close and resolve this error.Thank you XXXX {$190.00}
Consumer complaint received 2022-01-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TD BANK US HOLDING COMPANY (CT)

On XX/XX/2020 td bank charged a late fee to our account. We disputed the charge.. Paid the monthly payment except for the disputed amount.. On XX/XX/2020 td bank over turned the late fees.. But because i didnt pay the late fee, which is under dispute, they charged another late fee for the late fee they said i dont owe
Consumer complaint received 2022-07-23
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. (MN)

I believe my Experian personal credit report account has been affected by a security breach/someone using my information to try to obtain credit. 

This has been an issue since XXXX This has resulted in numerous hard inquiries which have depressed my credit score, made it hard to obtain credit, and made it hard for me to find housing. 

I would like these inquiries removed. Also, there needs to be more security in place to thwart unauthorized use of a person 's identity. 

Inquiries : 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
Consumer complaint received 2022-07-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (IL)

In XX/XX/2022, after XXXX university has been brought up on charges, I came forward to my complaint with the school. I applied for the loan forgiveness program based on the fact that my high school diploma was not a credited diploma. I got the diploma online at XXXX XXXX XXXX XXXX which i found out later was a fraudulent school. XXXX university knew this because while applying for the loans, this issue came up. However, the school still allowed me to attend anyways which destroyed my life! The school also forced me into signing up that day. Said if i didn't, I would not get their deals and promotions or a guaranteed seat in the classrooms. I had 2 different applications in 1 for borrower of defense which i applied because they pressured me into signing up, and also told me my grants would cover the cost of my tuition which was a lie! I struggled to pass my courses because of a learning XXXX i had all my life. If you look at my transcripts, you will see i attempted to retake failed courses which ended up raking up my tuition. My second application which is the one i am complaining more about is the False certification ability to benefit application. Since my high school diploma was fake, my loans by law should be dismissed due to XXXX university overlooking the fact that i had no credited high school diploma at the time of signing up which is illegal! By law, you can not enroll in school without a credited high school diploma. Mohela is refusing to properly process my application! They keep shutting me down with no explanation whatsoever! They keep denying my application the day they receive it telling me they did no investigation whatsoever on their part and is just denying it for no reason! I have just as many rights to have my loans forgiven like any other students did. The fact is that XXXX did me wrong and is not fair to me to make me suffer for the rest of my life for their mistakes! I think the laws are also unfair where you can't file bankruptcy on a student loan that is more than 10 years old! This is not fair either. I have no intentions of ever finishing school. I ended up resigning without a degree of anytime due to my learning XXXX i have. By law, these loans should be forgiven due to the fact that i never had any kind of credited high school diploma. I submitted the application to mohela twice, and they keep refusing to do any kind of investigations on it! Keep signaling me out. I will take this to court and sue Mohela for violating my rights as a student! This is not fair to me that i was mis treated at XXXX and should not have to pay for their mistakes. I just reapplied for the loan forgiveness in XXXX, and again never investigated it just denied it for no good reason. I have a good case and will take this to court if i have to. I'm also planning to file charges against XXXX as well for fraud!!
Consumer complaint received 2022-07-23
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: Experian Information Solutions Inc. (PA)

I REFINANCED MY CAR WITH A NEW LENDER ( XXXXXXXX XXXX ) IN XXXX OF XXXX. My old lender was XXXX XXXX XXXX. Experian reported my old XXXX account XXXX XXXX XXXX as closed in XX/XX/2021 with one late payment. Then in XX/XX/2021 Experian reported the account opened again and reported two more late payments when my Account with XXXX was closed and Paid in Full. I have disputed this account several times with Experian and have received no response on this matter. I even sent them an invoice of several violations to my credit file including this one along with an invoice for remedy and a affidavit of truth notarized back in XXXX and I have not received any correspondence. Tracking number XXXX In accordance with the Fair Credit Reporting act. The Listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX Experian, XXXX, and XXXX is violating my consumer rights by : Reporting Inaccurate Information on my consumer file which includes 1.Experian is reporting two extra late payments for XXXX and XX/XX/2021 when account was closed since XXXX and Paid. 
2.Experian reported my account closed in XXXX XXXX then reported it opened again in XXXX and added two late payments XXXX is reporting two late payments as well for XXXX and XXXX of XXXX when account has been closed since XX/XX/2021 XXXX. Opened dates are all different for each consumer reporting agency. 
XXXX is XXXX Account status as closed. Experian is reporting as paid. XXXX is reporting as closed XXXX. XXXX is reporting XXXX extra late payments for XXXX, XXXX, and XXXX of XXXX 

Information on all three consumer reporting agencies are all different and inaccurate all across the board. 

I disputed this account several times with all three CRA 's and all three CRA 's stated that my account was properly investigated or they did not respond at all. How is that possible when the open date, payment history, date last active, account status are all inaccurate for all three CRA 's. This is ground for account removal from all three CRA 's and monetary relief because my rights have been violated under 15 USC 1681 section 602 A which states my right to privacy 15 USC 1681 SECTION 604 A SECTION 2 which also states a CRA can not furnish a account without my written instructions. 

Also Experian took more than 30 days to complete investigation and the other two CRA 's XXXX and XXXX did not conduct a proper investigation and didn't respond at all. 
Tracking NUMBER : XXXX