davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (WA)

In brief, my deferment status for federal loans was wrongly changed and my loans were then due. Over the phone, XXXX assured me that this was resolved and the loan status was returned to deferment. With this false assurance, I let the payment due date pass by and XXXX is reporting me to all nationwide consumer reporting agencies. XXXX has been unresponsive to written requests and in a recent call, provided no assurance that credit reporting would cease. Below are relevant dates and actions. 

I have been enrolled in school - year-round, full-time - since XX/XX/XXXX. As of XX/XX/XXXX, I completed my coursework, yet am now still enrolled for enough supervision hours to be considered full-time. 

On XX/XX/XXXX, I received an email from XXXX stating that my school had notified XXXX that I was enrolled. 

On XX/XX/XXXX, I received an email from XXXX informing me that my loan repayment was to begin on XX/XX/XXXX. 

On XX/XX/XXXX, I called XXXX to inquire why I was being billed even though my enrollment status had not changed. At the conclusion of the call, I was assured that the status of my loans were all going to be in deferment status and that no further action was required on my part. 

On XX/XX/XXXX, I received an email from XXXX informing me that my payment was past due. 

On three occasions ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) I contacted XXXX through their website form, which does not allow me to retain a record of the emails sent. However, I can paraphrase my request to XXXX : resume deferment status and cease credit reporting. 

On XX/XX/XXXX, I called XXXX. I was told to apply for deferment, a process which will be extended past the next loan repayment due date on account of the school registrar office being out for holidays. Additionally, there was no resolution regarding the credit reporting activities. 

To add insult to injury, I received an email informing me that my phone call had resolved the concerns stated in my emails and that my account status would be reported to each nationwide consumer reporting agency.
Consumer complaint received 2018-01-25
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)

Problem with XXXX, XXXX, and Trans Union. There is a credit account with XXXX XXXX with Account Number XXXX. This Account says 'closed by credit grantor. ' I sent a dispute letter and two other letters disputing their actions. This account can not be mine because an account I had was resolved ( years ago. I do not evidence ) because fraud was detected. The company allowed someone else to use my card and the account was closed. I never had a card with {$3300.00} at any time. My complaint with the three agencies is ; they refused to give or produce information that was submit that made them place a negative mark on my credit report. In other words, XXXX gave the three companies information/documentation in which they believed this to be my account and the information give was true as to the account amount owed. They need to show that information or delete the false information. If, the company ( XXXX ) does not want to deal with this false information, why is the three agencies dealing with false information. At this point I am only asking for a deletion. This negative effect and affect needs to stop.
Consumer complaint received 2022-04-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

from XX/XX/XXXX XXXX to XX/XX/XXXX I have been making payments to USAA at 15 % interest I did not know that military max interest reate was 6 % for all XXXX XXXX. 
I applied for a loan with usaa in XX/XX/XXXX they set it up in the amount of 15 % interest. 
I am XXXX XXXX I qualified for the 6 % interest rate at the time the loan was approved because of my XXXX XXXX status.
Consumer complaint received 2018-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. I am XXXX XXXX the following addresses are XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, OH XXXX
Consumer complaint received 2018-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NY)

I opened up a XXXX XXXX account in order to get a XXXX XXXX Amex credit card. I then got it. 

My XXXX XXXX account was closed. 
Amex let me know I have until XX/XX/XXXX to open a new account or my amex card will be closed. 

In XX/XX/XXXX I opened a new XXXX XXXX account. 

Still Amex closed mt credit card on XX/XX/XXXX and blamed it on XXXX XXXX. 

I called XXXX XXXX they said it was Amex decision. 

Fact is someone is lying and acted against their own terms and conditions.
Consumer complaint received 2023-06-14
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. (NC)

I contacted Experian fraud department on XX/XX/XXXX around XXXX EST. I advised them I had several credit inquiries that was not done by me I advised them of the fair credit reporting act and they would need to investigate these inquires and remove them. The customer service agent stated they are not allowed to do that. 


XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX
Consumer complaint received 2019-03-31
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 account has been limited for sometime now, I think around XX/XX/2010, I am was a XXXX XXXX, no negative transactions no history of fraudulent activity. For almost 10 years my business has not been able to offer payment and receive payments in turn nearly shutting down my online business, I now do more that 75 % of business in person or storefront. I still dont know why my account has been closed or suspended, i have tried mutiple times over the years to get this resolved. Several times I have received emails that paypal has been involved in class action suits for privacy issues or other things but they insist on limiting or banning loyal customers like my business indefinitely without clarity
Consumer complaint received 2018-01-25
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. (OH)

Multiple times, I have written to Experian to delete accounts that I am no longer an authorized user on. As of today, I got another alert back from Experian saying that the account remains. Yet, in their system, these accounts are coded as " Authorized User '' " Terminated ''. These accounts are not my responsibility and, furthermore I am not listed on these accounts anymore. The companies tell me that since I am/was not the account owner they can not talk to me.
Consumer complaint received 2018-12-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

This is a second complaint. PennyMac has stated they denied my modification in prior CFPB response because I have not made 12 payments on the loan. This is not what their customer service rep stated and what their denial letter states. " We are unable to offer you a modification because you obtained your loan within the last 12 months. '' I was advised by origination date verbally on the phone and told to reapply in XXXX and both denial letters to do not reference having not made 12 payments.
Consumer complaint received 2018-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This mortgage was included in a chapter XXXX bankruptcy and was not reaffirmed. I have one 30 day late and from I understand this should not be reported on my credit report because I am no longer financially responsible. This has caused my credit to drop by 30 points. It is illegal to report this information as I am protected by the bankruptcy.
Consumer complaint received 2018-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (MN)

I made a XXXX  payment of {$420.00} with my Wells Fargo checking account on XX/XX/2018. I never received the product that I paid for despite multiple emails and calls. When I called Wells Fargo, I was told there was nothing that could be done ; they dont provide any protection for transactions via XXXX even if my bank account was used.
Consumer complaint received 2019-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX  VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX ACCIUNT # XXXX  Contact Information XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX  ) XXXX Payment History This account states that I was 30,60,90 days late however I was never late on this account and the creditor has agreed to remove the late payment to avoid any litigation. I demand that this be removed XXXX ACCOUNT # XXXX   Contact Information XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX  This account states that I was 30 days late however I was never late on this account and the creditor has agreed to remove the late payment to avoid any litigation. I demand that this be removed XXXX XXXX  Account # XXXX Contact Information XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. The collection agency has no account number or contact information associated with the account on my credit report and demand this is removed.
Consumer complaint received 2018-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished Lexis Nexis, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. I am XXXX XXXX the following addresses are XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, OH XXXX
Consumer complaint received 2020-02-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/2020 USAA is guility of ID Theft. USAA used my data to place UNAUTHORIZED charges on my XXXX  XXXX XXXX  of {$3.00}, XXXX. This overdrafted the account - {$2.00}, XXXX on my account. I had to do without food and paying rent. This is ID Theft Retaliation. I called USAA on XXXX spoke to XXXX requesting they remove my XXXX  XXXX data because I would NOT be using it to pay on ID Theft. USAA punishes me for reporting ID Theft. I contacted Social Security hooked up with XXXX XXXX to reverse payment When XXXX  XXXX told me ALL MY MONEY GONE AND OVERDRAFT FEES ACCESSED. I had a XXXX  XXXX XXXX right in lobby at XXXX  XXXX. I left went home to resolve and rest. Social Security Act section 207 prohibits debt collection from social security funds. It also is illegal to collect on ID Theft AND USAA IS GUILITY OF being an ID Theft CRIMINAL USING MY DATA TO PLACE FRAUDULENT CHARGES ON MY XXXX  XXXX BANK ACCOUNT. I have never had overdraft fees in 71 years. This was defaming my character to XXXX  XXXX.
Consumer complaint received 2023-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have made several attempts to dispute the presence of accounts on my credit report that do not belong to me. Despite multiple submissions of disputes and FTC XXXX, these accounts are still being reported. It is disheartening to see that these companies have chosen not to address the disputes as mandated by the law.
Consumer complaint received 2021-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Ive disputed account with Experian before and yet accounts somehow are still being reported to them with violations in which theyre supposed to verify the accuracy of which the reportings are and remove them if found. XXXX XXXX XXXX is reporting inaccurate information on the reporting and even so reporting a past due on this account which is a violation per the FCRA. This is considered a collection account and collection accounts can not report a past due balance which in this case they are. This account also has inconsistencies with the balance being owed for Experian {$3300.00} and XXXX  as {$3300.00}. They both have the same account number # XXXX but yet reporting different balances when theyre getting the same information from the creditor but differ. 

XXXX XXXX XXXX Has another account for which its reporting a past due balance and is violation. Account number # XXXX which I will provide documentation
Consumer complaint received 2020-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2020, I ordered merchandise for amount {$400.00}. The delivery of the same was scheduled by XX/XX/2020. I did not receive any merchandise from the said company until XX/XX/2020 nor I received a refund of my money. Hence I filed dispute with my bank ( Chase Bank in New York ) and amount was credited to my account in XX/XX/2020 while the dispute was being investigated. Suddenly I was re-billed by the same bank without any notification to me, for this amount ( XXXX ) by the bank on the ground that the company said they have already shipped the merchandise. Hence I requested for the dispute to re-open. At this point I would like to add that I received some other merchandise by the same company ( almost after a month0 in XXXX which again was not mine. Hence I requested for 'Return Shipping Label ' from the company which they did and I shipped the same with the acknowledgement and receipt. 

Finally Company agreed that no Merchandised was shipped nor I received any product from the same company for which I was re-billed in XX/XX/2020 ( Which is reflected in the bank statement of XX/XX/2020 ). The bank now refuses to credit the chargeback to my account, despite the letter from the company stating that NO ITEM WAS SHIPPED BY THEM NOR I RECEIVED ANY ITEM FROM THE COMPANY FOR THE SAID AMOUNT. 
I request you help in recovering {$400.00}, which has been charged to me fraudulently XXXX XXXX Phone:XXXX
Consumer complaint received 2021-06-10
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: GOLDMAN SACHS BANK USA (CA)

Apple Card was used and made payments on that were reversed after my phone was stolen in XXXX XXXX in XXXX. My balance is XXXX $ and I never once used the card or made payments
Consumer complaint received 2020-08-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (AZ)

So me and my father have a loan on our house with Freedom Mortgage. my father filed bankruptcy in XXXX and it was put in bankruptcy to retain the property. so I filed bankruptcy in XXXX and retained the property. ever since then freedom mortgage was not applying our payments to our house loan They were saying that we were behind on payments since XX/XX/XXXX I had called them numerous times to figure what was going on with our account since it was stated from them we were delinquent on our mortgage and that we were sending partial payments. we were not we were sending the payments that we were supposed to pay according to our statements. they have always added late fees and broke up our payments when I have checked our account on website. every time it was stated different amounts that we owe. which I had spoke to a supervisor after trying to talk with a customer representative that each one never knew what was going on with my account everybody had a different story. the supervisor had told me to send all proof that payments were made and she would look into it, there response was we are investigating it and that was last year.we have never been able to clear this problem up and it is still continuing to state we are delinquent and we are not. I am so stressed out from them not fixing there problem with my account and throwing the blame my way they say they have been trying to contact me and they have not they are lying they have all phone numbers and my email. so as of yesterday I receive a letter from them that this account is still behind and it was stuck in my door with not return address and hand written. they have not tried to fix this problem in any shape or form. I need some assistance with them I think they are trying to get more money and trying to foreclose when I don't think I'm in the wrong there not treating me fair.
Consumer complaint received 2018-12-31
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (MO)

On XX/XX/2019 at XXXX XXXX  I called XXXX XXXX, to double check that my student loans are still in deferment, and would remain for the spring 2019 school year. I advised the agent, that I will be attending school full time spring of 2019. He advised me that my deferment ends in XXXX, and that my first payment will be due XX/XX/XXXX. He stated I only have 48 months available of deferment, I asked how could a payment be due while i'm enrolled full time in school. I asked, how much will the payment in XXXX be. He stated we don't know, and can't view that due to my account showing zero due, and currently being in deferment. I pulled up my account online on XX/XX/2019, for both of my student loans, and it show 's that my next payment isn't due until XX/XX/XXXX. Last time I checked In-school deferment is unlimited, as long as you are enrolled at least half time. Which I currently am. Why would my loan company tell me otherwise?
Consumer complaint received 2023-08-24
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (CA)

This company placed a debt on my credit this month they stated I opened an account with the XXXX XXXX which is false. They stated I opened the account in XX/XX/2023 which is flat out not true. This is fraud and the company just made up fabricated information. I have included this information in the police report I made last week. They are reporting someone else debt to my credit report which is in violation of FCRA.
Consumer complaint received 2022-03-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

5 fraudulent transactions occurred on XX/XX/XXXX at XXXX # XXXX, XXXX XXXX XXXX, The XXXX XXXX XXXX ; all in XXXX XXXX, IL. Total for the transactions was {$670.00}. 

Immediately reported to Bank of America once transactions had been posted ( XXXX ). Bank of America denied the claim ( XX/XX/XXXX ) and I immediately followed up to appeal the decision. Fraud denial claims that a chip card was used and that these transactions were made at places I had been to before. I had the chipcard in my possession the entire time so this is not true and I have never been to XXXX XXXX, IL, or have made purchases from these specific store locations. 

The {$670.00} is coming up due for payment on XXXX and I should not be held responsible to pay for these fraudulent transactions.
Consumer complaint received 2022-07-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (OR)

I was purchasing a camera off of XXXX XXXX for {$2300.00} on XX/XX/18. I make the payments through XXXX but lost contact with the seller afterwards. I contacted the company regarding this, but no action was taken.