davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc. (NY)

Greetings, I have a Parent Plus Direct Consolidated Loan in an IDR repayment plan. 
I was attempting to put it into a SAVE Repayment Plan to obtain the lower discretionary income basis for repayment and the 10 Year forgiveness. 

I had 2 Parent Plus Loan I consolidated in XXXX into a Parent Plus Direct Consolidated Loan. The original loans started repayment in XXXX. 

I asked the current servicer, XXXX to enter me into the SAVE Plan. They said they could not because they were Parent Pilus Loans. 

Emails from the CFPB, Federal Student Ed, and other Student Loan resources said that if I re-consolidated 2 more-times before XX/XX/XXXX, I could be entered into the SAVE Plan. 

I tried to do the first Direct Loan Consolidation with Aidvantage, and then I would do one more with XXXX to be able to enter the SAVE Program.

After applying to AidVantage for the first re-direct consolidation, they denied me.

They said I can not do more than one Direct Consolidation.

They said that I may be able to ask the original servicer that consolidated the loans in XXXX to split them up, which would take a long time and they weren't sure it was possible. 

So, my question to the CFPB is, am I entitled to enter into the SAVE Plan and how can I enter the SAVE Repayment Plan with a Parent Plus Direct Consolidated Loan before XX/XX/XXXX? 

Thank you!
Consumer complaint received 2021-03-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (MT)

I applied to 5 lenders to refinance my home. After 3 of them wanted me to prepay for an appraisal fee, I quickly decided to hurry up and just go with one lender. The other 2 lenders are dragging their heels in refunding my appraisal fees that are being charged to my credit cards. I told both of them that I was going with Company A and that it seemed like the best deal for me. I requested a refund of the appraisal fee. Rocket Mortgage or otherwise know as Quicken Loans was very pushy and tried to sell me on their reputation instead of matching the lowest rate. They only refunded me {$450.00} instead of the {$500.00} due. Nobody told me that there were any application fees or credit check fees or fees of any kind that were going to be deducted from this {$500.00} deposit for the appraisal. Please make them refund me the {$43.00} due. Thank you for your time and help. 

XXXX XXXX
Consumer complaint received 2019-11-18
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. (GA)

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2019-03-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (FL)

I purchased furniture from XXXX XXXX XXXX in Florida in XX/XX/2019. XXXX offered no-interest financing ( 0.0 % APR ) for 18 months with no fees. I accepted their offer and financed the furniture based on their representation that there would be no interest or fees for 18 months. The store opened an installment credit account in my name with Synchrony Consumer Financial and charged the furniture to that account. Two months later, I noticed charges on the account for " card security '' and monthly interest charges presumably related to the card security fees. Upon further investigation, I discovered that Synchrony and/or XXXX had, without my permission, registered me for " debt cancellation '' insurance at a cost of 1.6 % of the monthly balance on the account. I did not request or accept the service when I purchased the furniture. The charges simply appeared on my monthly statement. The terms and conditions, which I subsequently discovered, state that all charges will be refunded if the service is cancelled within 90 days. Luckily I noticed the charges and cancelled the service with two weeks to spare, although it remains to be seen if the fees will be refunded.
Consumer complaint received 2018-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (MO)

I have not been receiving rewards certificates for my best buy ( citibank credit card. ) I received a {$5.00} certificate that was reissued yesterday. I called their customer service number to find out what was going on. I have {$50.00} worth of reward certificates on my account, but their computer system says they were sent out so they can not be re-issued. I have checked every email account and can not find record of any emails with the reward certificates. I did find one for {$20.00} in XX/XX/XXXX.

I spoke with one gentleman before asking to speak to his supervisor ( who did not know what a supervisor was ). I spoke with XXXX ( Case ID XXXX ) today XX/XX/XXXX the entire call was from XXXX to XXXX XXXX ( CST ). I was told it was recorded.

No matter what question I asked, I was given a scripted response.

What is the point of having a rewards program when I can't used rewards points I was earning. I was specifically using my credit card to earn certificates to purchase a computer with Best Buy.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OK)

The 3 Credit reporting agencies XXXX, equifax, and XXXX have assumed a vital role which I have not given them express written permission to report on my behalf. I have disputed erroneous, inaacurate, out of date, and fraudulent accounts from XXXXXXXX XXXX XXXX that they are reporting. I have written to them to re-investigate already. Now, I am demanding they delete these fraudulent accounts due to all the errors and inaccuracies that they claim have been verified. If these accounts were in fact verified then why is there so much inconsistent information. Pursuant to 15 USC 1681, the credit agencies have a grave responsibility to report accurate, relevant, and impartial information. I have provided factual data which is attached to this complaint as evidence that I have been abused, treated unfairly and my character as a consumer has been tarnished due to these agencies lack of effort in finding correct validated information. I demand that these accounts be deleted immediately due to the copious inaccuracies and inconsistencies in data. These companies have not only violated my privacy by trafficking my name, but they have continued to deny me my rights as a federally protected consumer by doing their due diligence in investigating the matters I have submitted for complaint. SEE EXHIBITS A-F IN ATTACHMENTS.
Consumer complaint received 2019-05-01
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. (AR)

These accounts are fraudulent : XXXX - {$610.00} XXXX XXXX  - {$170.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX - {$590.00} XXXX XXXX XXXX - {$92.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - {$0.00} XXXX XXXX - {$620.00} XXXX XXXX - {$680.00} XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-10
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-10
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and XXXX  is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-06-15
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Automated Collection Services, Inc. (TN)

2. The next complaint is XXXX Community College is reporting the same debt twice on my credit report from Automated Collection Services and XXXX XXXX XXXX. Both have the same amount owed and paid. Automated Collection Services is showing XX/XX/XXXX and XXXX is showing paid XX/XX/XXXX. I don't understand how they are able to put the same debt on my credit report twice and have different dates of service with the same account number. I called both parties and no one seem to know why it's being reported twice but XXXX  or the collection agencies will fix it.
Consumer complaint received 2023-02-10
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

The Consumer Reporting Agencies have Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. The items below should all be updated as agreed on my consumer report.
Consumer complaint received 2021-02-17
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. (TX)

XXXX XXXX XXXX REPORTS INACURRATE STATUS abd has repeatedly attempted to collect the wrong amount of accounts prior with XXXX  XXXX in violationof FCRA, UDAAP, and FDCPA. I have no contract with XXXX. These were secured accounts and deposit adjustments are not being reported. Furthermore, these accounts are not active revolving credit accounts. THE DATES OPENED ARE INCORRECT. XXXX  and Transunion refuse to open consumer investigations into these actions. 

XXXX XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX XXXX XX/XX/18
Consumer complaint received 2019-03-12
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. (NV)

I plan to get married soon, and a friend of mine helped me pull my credit report. And I swear the are accounts/collections list that i have no clue about. Please assist me in removing this items from my report, so I can move on in life in a positive way. 
All of the items will show on my attached XXXX report. 
Best Regards, XXXX XXXX
Consumer complaint received 2022-12-15
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$4300.00} XXXX XXXX Balance Owed : {$1300.00}
Consumer complaint received 2021-02-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TD BANK US HOLDING COMPANY (NY)

TD Auto Finance was contacted, in regards to a statement claiming a passed due amount. Td informed me that there was a payment missed and I have been charged a passed du amount for close to a year the amount as of the statement dated XX/XX/XXXX {$410.00}, the total payoff amount including the late fees was {$850.00}. 

I paid the amount of {$430.00} to agent id # XXXX ( confirmation number XXXX XXXX the agent told me this is the amount owed minus the late fees. I asked at that time to speak with a person who can assist me in handling the late fees. I was told that it has been noted in the account and a manager was contacted, and will contacting me promptly. 

I have made multiple attempts to contact a manager, XX/XX/XXXX ( manager notified and will call me back ), XX/XX/XXXX agent # XXXX ( manager notified and will call back ). XXXX ( manager notified and will call back ) I called a few more times which i did not keep record of, but every time was noted in my account on TD banks side. 

There has never been an attempt to be contacted by TD auto finance before XX/XX/XXXX, the date of the initial debt collection letter. 

The payment has been on auto pay since the initial payment XX/XX/XXXX. Supposedly 1 payment was missed and no 1 have over {$400.00} in late fees. I have not been contacted regarding late fees until XX/XX/XXXX.
Consumer complaint received 2018-02-25
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CURO Intermediate Holdings (CA)

Company failed to provide me written notice of intend of collection and give me a change to pay. They call my cell phone numerous times every hour through out the day the calls never stop. Its disrupting me while Im at work, and driving having dinner and sleeping. I feel like I pay my cell phone bill just for these people thats how much they call me.
Consumer complaint received 2024-05-23
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (TX)

On XX/XX/XXXX, I charged my prepaid card in the amount of {$150.00} to XXXX XXXX XXXX XXXX. I stayed one night and checked out with no further incidentals. The room charges and fees came out to about {$40.00}, which I anticipated that coming out of the {$150.00}. The final refund should be {$110.00}.

I contacted Cashapp 1 week after checking out to inquire about the hold still pending and they stated there is nothing they can do before 31 days has passed do if the merchant doesnt resolve it. They advised me to reach out to the merchant because once the merchant releases the funds, the funds will be back in my account. 

I called the merchant ( XXXX ) on XX/XX/XXXX and they emailed me a copy of my XXXX  that shows they released the funds on XX/XX/XXXX at XXXX. They advised I contact cashapp because they no longer had the funds. 

I contacted cashapp again to ask where my funds were, because the merchant confirmed they released them. I sent them a copy of the XXXX  with this inquiry. Since then, I have been told that it take 10-14 days, or it takes 31 days, but one thing consistently stated is that there is nothing more I can do.

I called one last time and advised I would be filing a complaint due to these practices, and I was placed on a long hold and then subsequently hung up on.

I think this is unacceptable because Cashapp has no reason or justifiable cause to hold these funds when the merchant has released them. This is not a credit company. The funds were my own cash that I am entitled to, and they have given no reason why they are holding it and no estimated time I can expect my funds back outside of a 31-day window.
Consumer complaint received 2023-02-18
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. (FL)

I've recently obtained a copy of my credit report and discovered that I have been a victim of identity theft. As my family and I are in the process of buying a home, this news has left me feeling horrified and anxious. This unfortunate situation has had negative impact in my life. I would like to request that you take immediate action and remove the fraudulent accounts from my credit report. I've attached the relevant documentation for you reference. I've also sent the credit bureaus the same documents I'm sending you. I appreciate your attention to this matter and hope that you will work swiftly to resolve this issue. Thank you for you understanding. Please see attached
Consumer complaint received 2023-09-20
Product: Credit reporting 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. (PA)

THESE ACCOUNTS IS NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-15
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: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2021-03-09
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. (CT)

In XXXX I filed bankruptcy after the passing of my wife and being left with an abundance of medical bills for her care totaling {$500000.00} ; I knew that I would not be able to pay off this debt so I claimed bankruptcy. Last year I disputed the bankruptcy with all 3 of the credit bureaus : XXXX, XXXX and TransUnion and after careful review and investigation XXXX Removed the bankruptcy under the Public Records Section. 

To my chagrin I was very perplexed as to why it was not also removed from XXXX as well as Trans Union. On XX/XX/XXXX XXXX stated the following on my credit report : Public Records 0 - " At this time, XXXX has no Public Records on file for you. Public Records are financial accounts attributed to legal actions from bankruptcies. '' Last month I mailed in Dispute Forms to XXXX and XXXX XXXX with copies of my XXXX Report showing the removal of my Public Record - Bankruptcy.
Consumer complaint received 2019-07-11
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. (MO)

XXXX ; Experian and XXXX are incorrectly reporting the XXXX   account number XXXX. ( Please see pages 9 and 10 of the attached credit report. ) This account was paid in full over ( 60 ) days ago and the balance should have been updated on my credit report. I have contacted the ( 3 ) bureaus to have these line items updated, however I have not been successful. This incorrect reporting is harming my credit score. Please update to report accurately on my credit report.
Consumer complaint received 2024-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CrossCountry Mortgage LLC (OH)

On XX/XX/XXXX I made full payment of {$1900.00}. 
On XX/XX/XXXX I made a {$1000.00} payment. This began the XXXX payments. I made XXXX payments of {$1000.00} since XX/XX/XXXX. 
XX/XX/XXXX & XX/XX/XXXX completed XXXX obligated payment of {$1900.00} plus extra towards principal. However the company did not apply the payments properly. I received my first phone call on XX/XX/XXXX saying I had not made my payment. I told XXXX that I had and explained what I did. He assured me he did the proper things to apply payments and clear out fees and notices of late payment. I asked then if I could continue to make XXXX  payments and have them applied correctly, he responded with a yes. On XX/XX/XXXX, an XXXX called and said I was now late on payment and was in default. I explained to XXXX what I did ; I explained how I had spoke to the guy on XX/XX/XXXX. She was kind and said she got it all worked out and correctly noted and applied and that I wouldnt have anymore issues. 
On XX/XX/XXXX I received a letter stating I was in complete default and I needed to make a payment immediately. Upon receipt I called and spoke with a XXXX. She said my payment was applied but that I needed to make XXXX payment. The issue with this all is I made XXXX payments on XX/XX/XXXX and XX/XX/XXXX as a {$1000.00} each. XXXX tells me they wont accept biweekly payments therefore they wont apply payments correctly. What kind of bank wont accept timely prepayments?! This is a scam and fraud of my money. The money should have been applied correctly to ensure interest wasnt accruing daily. They are scamming people.
Consumer complaint received 2023-03-22
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Action Revenue Recovery, LLC (LA)

I am request for to validate this alleged debt to clarify everything. I am not aware of this account with you so please send me validation and send it as a response to this complaint for CFPB to see it aside from sending it to my address.