davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (VA)

Rating decision from the Veterans Administration dated XX/XX/XXXX showing that I was granted XXXX and XXXX disabled on XX/XX/XXXX. However between the 2 periods stated above I had a XXXX Loan coming due for my Parent Plus Loan for XXXX XXXX for XXXX College in ( VA ) and XXXX College in ( XXXX VA ). Keep in mind when I refinanced the XXXX Loan with XXXX XXXX  I had no idea that I was being found XXXX and XXXX Disabled. One I found out I went to XXXX and asked for a discharge of the loan bases on the XXXX  and XXXX decision. They told me that they would put me on a year forbearance while looking into the matter. Well not only did they charge me over {$4000.00} in interest, but they said I was denied due to my income which they never asked me for until after the year of forbearance, so they could had saved me money right off the bat with asking for income info! And they said that I am not XXXX. Well they do not know of any of my XXXX that are XXXX me at times and will continue to worsen the older I get. I am being penalized for not seeing in the past and that I would be awarded the Permanent and Total decision. I would had never refinanced with XXXX if I knew what XXXX would do for discharging the loans. This loan repayment will be a hardship.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital one credit card ending in XXXX reported a late payment to my credit report without my permission being noted and failed to provide the requested proof that my payment was late on XX/XX/23. Also failed to provide my permission that I would allow any late payments to be provided to the credit reporting agency.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 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 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, 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 2023-08-09
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. (CA)

company is currently reporting a negative listing to the XXXX major credit bureaus ( XXXX, XXXX XXXX, and Equifax ) regarding the above referenced account. Based on my recollection and my records, I can find no reason for you reporting such a history. If you'll review your records I think that you will find your reported notations are inaccurate
Consumer complaint received 2023-05-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc (NJ)

In XX/XX/2023 I made a purchase using PayPal which would charge my XXXXXXXX XXXX XXXX {$750.00}. I then returned the item to the merchant and waited for my refund. There was a delay in getting the refund so XXXX gave me a credit for the {$750.00} in early XX/XX/2023 and I filed a dispute against the vendor. In XXXXXXXX XXXX  the vendor gave me a refund of about {$730.00} which was the {$750.00} minus return shipping. XXXX did not realize the vendor had returned the funds for 3 weeks until i noticed the refund on my account and called them. They explained that the {$750.00} they credited to me in XXXX had been taken from PayPal and they would return the money to PayPal. XXXX then rebilled me the {$750.00} on or about XX/XX/2023 as I had received 2 refunds for the same item. I assumed at this time everything was over. Until About XX/XX/2023 Paypal also rebilled me about {$74000.00} to my credit card. I also noticed they had blocked me from using their services. I called PayPal several times to ask why had they rebilled me. They told me the merchant issued a refund in XXXX and they ( PayPal ) never received their money that XXXX had credited to me in XXXX. I have called XXXX every week since then several times per week asking them what is the process for returning this money to PayPal. They have told me they returned it to the bank on XX/XX/2023 and PayPal had to check the bank or merchant services. I called PayPal to give them the information and they have stated they see no refunds on their account. PayPal is now emailing me, texting me daily about this debt they want to collect from me. I dont understand why PayPal and XXXX cant work this out. How did I as the consumer get in the middle of this trying to figure out where this money went. I never received any cash from PayPal. This was all transactions through a credit card. So I dont understand why PayPal believes I am responsible for any delays or any debt to them and not XXXX XXXX I have called XXXX numerous times per week asking for help. Asking them specifically where PayPals money went, to what bank, are there any routing numbers etc. XXXX has told me weekly they will look into it and call me back with updates. XXXX has never called me. I dont want this to go on for months and get worse. I need help. I dont understand why PayPal is pursuing me for any debts and not XXXXXXXX XXXX
Consumer complaint received 2019-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

I have contacted XXXX to ask if this company can provide a valid document with my signature of consent to a unauthorized inquiry and unfortunately this company can not produce any such documents to prove their previous statements are factually sound. 

Their has been no application for credit with my name signed on it or any request for credit, employment, insurance, or any sort of financial assistance I consented to which is required to apply a inquiry on a consumer report. 

The documents presented on the CFPB  website is useless if this is their means of explaining their permissible purpose because unfortunately even with a purpose XXXX can not show one form of consent in writing or Electronically giving. 

I ask that this inquiry is immediately removed if XXXX can not provide the proper documentation/ and if they do not have it then XXXX need to ask the companies they sited in their reply for a copy to be once again factually sound. 

Or I will be force to sue XXXX for current inquiries and past inquiry violations they also can not show proof of. 

{$1000.00} per inquiry past and present.
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (FL)

Since my loan has been with Navient, I have been advised to go into into forbearance and not to pay interest. Then when I wanted to go the income-driven repayment plans, I was told my payment would be XXXX a month. When I went to start, this was not the case. So I as advised to go into forberance. Each loan advisor I spoke to gave me an entirely different story. Thy did not keep me informed of deadlines or changes to the payment amounts and continued to guide me not to pay at this time, as a supervisor would call me back to sort things out, because each advisor came up with a different amount to pay back. I was also waiting on my income-driven plan amount in a letter so I could buy a home. It never came after many attempts. Then of course the amounted quoted over the phone changed.
Consumer complaint received 2017-06-23
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XXXX XXXX, 2017 i sent two letters via certified mail to transunion explaining to them that i didnt authorize the inquiries that was showing on my credit report as of today XXXX XXXX, 2017 i havent received any communication from them regarding my letters and i was under the impression that the bureaus have exactly 30 to respond or they have to delete. So im writing in my complaint because i havent seen any deletions nor have they responded to my letters.
Consumer complaint received 2020-09-16
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (AZ)

Below is the email that was sent to the company Hello, in regards to XXXX XXXX XXXX XXXX XXXX, AZ XXXX Loan ID XXXX It has come to my attention that my loan for the subject property has been signed up for the forbearance program without my request to be done. I do not want this program. I was told by XXXX XXXX, the customer service representative, on XX/XX/XXXX that my loan has been in the forbearance program since XXXX of this year. Please remove this from my loan as it has negatively affected my credit report. 

Also, I have made contact previously in regards to another credit report issue due a late payment from XX/XX/XXXX that was, in fact, not late at all. I also just learned that the payment for this month XXXX of XXXX was also named late. This is not true either. 

I have attached the credit report for both " late payments '' affecting my credit negatively. 
I have also attached both checks that were used to pay those statements and they had been cashed. 

Please resolve these 3 issues and remove them from my credit. 
I can be reached at ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX Thank you for getting these issues resolved, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Loan ID XXXX
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (NV)

Paypal Credit, literally charged an unexpected separate interest for {$8.00} on XX/XX/XXXX, for purchases. And never purchased anything this month. Furthermore, interest is combined in the monthly payment and not charged separately on the account. This is charging me interest twice over for next month payment in XXXX, and never had this issue before. My balance was at {$310.00} and this unexpected fraudulent interest has bumped my balance up to {$320.00}.
Consumer complaint received 2018-06-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Total Card, Inc. (FL)

XXXX XXXX allowed someone to fraudulently open an acct in my name. The account was opened in a state I do not reside in and an address I've never resided. I filed a police report and have previously called XXXX 's cooperate office and spoke to them. I also went into a local office and discussed this. They admitted to not having any of my personal information on file but having numerous signatures of others on the account but not mine. XXXX deleted the negative account from my credit once they knew it was not me only to sell it to a collection agency. Now, Total card inc., on behalf of XXXX XXXX XXXX  has placed it back on my credit and requesting funds. I disputed it online with XXXX  and I was notified that I had to request a dispute in writing from the other two credit bureaus. Once the debt was verified with XXXX  via online dispute, I received a notice in the mail from Total Card , Inc. stating they are representing their client XXXX XXXX XXXX. This is the first I am hearing from either of them due to them not having any information for me which lets them know I am the wrong person. The letter states it is a collection notice and their client has agreed to accept 12 monthly payments of {$150.00} as a full and final resolution on this account. Why would I pay half of something that does not belong to me? I have sent a debt validation letter via certified mail to Total Card Inc., but I have read online through the XXXX  that people said their letters were returned to sender from Total Card Inc. I want this handled in a timely manner as I only get 30 days to dispute and I sent it with 10 days left to dispute. On my credit report it says this was opened by XXXX XXXX XXXX on XX/XX/XXXX. Original creditor name : XXXX XXXX XXXX. The balance is {$3400.00}. I would like this removed from my credit report as it is not my debt. There is no legal binding contract connecting me to this debt nor any of my signatures or ID. I have only had XXXX XXXX XXXX cellular service since XX/XX/XXXX. I would also like the address reported to the credit bureau in connection to this by XXXX XXXX XXXX be removed. I have never lived/resided there and there is no verification/validation that can link me there. This is all false information reported and is affecting my credit negatively.
Consumer complaint received 2020-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

Shellpoint Mortgage Company has not given a full refund as stated in an email received on XX/XX/2020 at XXXX. Shellpoint Mortgage Company has withdrawn the following insurance premium disbursements from my escrow account : XXXX {$490.00} XXXX {$450.00} XXXX. {$67.00} On XXXX, Shellpoint Mortgage Company has decided to return {$490.00} to my escrow account on the day for Escrow Analysis. This amount is less than the {$490.00} insurance premium disbursement that was withdrawn on XXXX. On XXXX Escrow Balance was {$670.00}. On XXXX Escrow Balance is {$1100.00}. Shellpoint Mortgage Company has not returned the additional amounts of {$67.00} and {$450.00}. My actual escrow balance should be {$1600.00}. Shellpoint Mortgage  Company has instead stated that after Escrow Analysis a shortage of {$1200.00} and an increase of mortgage payment to {$880.00}. Shellpoint Mortgage Company has intentionally not refunded all the insurance premium disbursements and is stealing funds from my escrow account. In addition, Shellpoint Mortgage Company is making false claims about a shortage being present when the fact is that my escrow account has a surplus and the mortgage payments should have decreased. This is against the law.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (GA)

Information on my credit report is not correct. I have not been late my account was paid. I did not have repossession at all. Please have this account remove completely. There are not reporting correctly on my credit report. By law i have the right to have compliant to remove it completely from my credit report. XXXX, XXXX and XXXX. each one is reporting different information.
Consumer complaint received 2023-01-21
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)

On XX/XX/XXXX, I disputed a claim on my report for XXXX XXXX XX/XX/XXXX again disputed the same said claim on my report for XXXX XX/XX/XXXX disputed the said same once more for XXXX on my report. 
The same generated response. 
-- -- INVESTIGATION RESULTS- VERIFIED AS ACCURATE : The disputed item was verified as accurate. 
We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX I would like to be shown proof of the accuracy, not just a generated result. The account in question is from a purchase with XXXX for a truck that became a lemon but was a re-sale, so it had no recourse. I in-turn after over {$150000.00} in continual repairs at the last place, where I could not afford to repair a 3rd engine, called XXXX and explained where the truck was, gave the contact of the tow yard, and which they said they would obtain the truck, sell it, and send me a receipt for unpaid balances since I only had only 11 months left to pay off. 
Contact was made to XXXX again about 6 months later, in which they said they were getting the truck. One year later, the owner of the tow yard said they had never picked up the truck, and therefore they had to sell it to recoup losses ; abandoned. Now, it says an amount that is not what was discussed, but they had left the truck there, without telling me anything, because I could have sold it, and paid off my debt. I have no knowledge therefore of this debt since the truck was given back to the lender ( XXXX XXXX ), and I have not received anything to a fact of their receipt of the asset, and or sale of it, so therefore this debt is considered inaccurate, and they have not shown proof of anything, just a generated message. Transunion is only using the lines of the bare minimum, yet this has been the same generated message for results since my dispute. I am requesting that it be removed immediately since no proof of said debt has been proven, i.e. signatures, amounts, debt service dates, and/or reason as to why the truck was not obtained and/or sold at auction. 
Also, my credit report is clean and over XXXX, I have no other issues with other bureaus but Transunion, who also had decreased my score, XXXX points for no known reason, as I have no collections and no balances, credit surpassing {$90.00}, making no sense. I find Transunion to be deceptive. I also contacted them regarding addresses on my account which are incorrect, and names being incorrect, by which they allow no way to cure.
Consumer complaint received 2021-02-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (NV)

The number used to make my affirm account XXXX XXXX XXXX was spoofed and registered by someone under XXXX  while I had it under XXXX XXXX XXXX. It never got rectified so my number was changed to XXXX XXXX XXXX. I submitted the identity verification twice but they keep claiming I only asked to have my number changed via telephone which is false. I had to add payment via phone since my account is not accessible and they keep denying that proper information which has been submitted twice via the proper forms. To make things worse, the person who stole my number can access my information and I have gotten a report from from XXXX  saying new loans I don't recognize were added from affirm. I received the notice today.
Consumer complaint received 2018-06-17
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. (NC)

I disputed the XXXXXXXX XXXX account XXXX with all 3 Credit Reporting agencies they updated I accurate information noting that the furnished of the information Guaranteed that the information was accurate. The FCRA says that these companies must do an independent investigation not jut take the furnishers word for it .they are willfully violating the FCRA an also my rights they have the proof that this account is not accurate but in fact erroneous an should be deleted according to federal consumer protection laws .this account has been reporting in error since it opened with the creditor breaching the contract with an unscheduled monthly payment before payments were scheduled to begain.
Consumer complaint received 2019-08-29
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. (GA)

I have inquires on my credit report that are not from my doing, I have tried to get this taken off my credit but the credit bureau still report the inaccurate and fraudulent inquires when I am not the person who actually applied for them on my credit. I tried disputing them online, by mail and calling. I am at my breaking point!
Consumer complaint received 2023-05-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Wolf River Development Company (AL)

I took out a loan for {$700.00} from this company back in XX/XX/2023. This was my second loan from them. The first loan was paid off early. The payments come out every 2 weeks on my payday. To date I have made 7 payments of {$190.00} for a total of {$1300.00}. I wanted to pay this account off because of high interest rates but when I look at the payoff it still states that my payoff is {$890.00}. That is alot more than what it showed when I took the loan out. I have asked the company twice by email and once by mail to stop the EFT but they have not stopped it. The phone number listed on their site is XXXX which I will not try calling.
Consumer complaint received 2023-03-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (OR)

{$48000.00} in fraudulent XXXX charges were made out of my Chase checking account and not by me. It started on XX/XX/XXXX and I caught the fraud and immediately reported it to Chase mid XX/XX/XXXX. Chase has already closed my case and does not want to reimburse me the money.