davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (NY)

I have called XXXX XXXX several times and have spoken to different representatives that have informed me t that I qualify for the " temporary expanded Public Service Loan Forgiveness Program (  tepslf ). '' I know this to be true because I completed 7 years in the program and was placed in the wrong repayment plan for over 3 years so I am a perfect candidate. The problem is that the XXXX XXXX   representatives claim not to have access to TEPSLF and neither do individuals who have applied to the program. There is no phone # only an email address that does not respond.
Consumer complaint received 2018-12-08
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 XXXXReport and other furnished XXXX XXXX, XXXX XXXX, 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 XXXX. My current and only address is XXXX XXXX XXXX XXXX, OHIO XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX   XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX, XXXX , NJ XXXX. 
ALSO DELETE THE FOLLOWING NUMBERS : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX PLEASE DELETE THE FOLLOWING NAMES LISTED :, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX
Consumer complaint received 2018-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (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 and other furnished XXXX XXXX, XXXX XXXX, Innovis 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 XXXX. My current and only address is XXXX XXXX XXXX XXXX, OHIO XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX   XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX, XXXX , NJ XXXX. 
ALSO DELETE THE FOLLOWING NUMBERS : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX PLEASE DELETE THE FOLLOWING NAMES LISTED :, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX
Consumer complaint received 2022-06-13
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I informed Capital One that after all these years of paying my credit card bill in cash I realized that the coupon attached to my statement was indeed a form of payment. I looked up the correct definition of a Coupon pursuant to the XXXX law dictionary A coupon is a written contract for the payment of a definite sum of money on a given day, and being drawn and executed in a form and mode of the purpose, that they may be separated from the bonds and other instruments to which they are usually attached According to USC 1693o-1 Remittance transfer, the purpose of this law is to accept this remittance slip as payment for this bill. According to 12 CFR 1026a Billing Error Resolution, by law, creditors can not pursue adverse action against me ( by shutting off and or closing the credit card account ) 15 US Code 1666 correction billing errors. Failure to comply by not accepting this payment will result in further legal action. 
The United States Code Law 15 U.S. Code 1666b/ Timing of payments- A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. It is illegal to report a late payment on an open-ended consumer report and the payment must be reported as a positive payment.
Consumer complaint received 2022-10-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sunlight Financial LLC (NC)

I have a Solar Loan through Sunlight financial Agreement # XXXX. The company that installed my solar system XXXX XXXX XXXX XXXX has went out of business. My system has not worked properly since day one and now I have no one to service it. I have called Sunlight Financial for assistance and have not gotten any
Consumer complaint received 2022-06-13
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: EQUIFAX, INC. (OH)

Equifax continues to report a job and family services child support case that ended on XXXX with a XXXX ballance due and is still there after 16 years. 
It went away once, now its back. 
I want it permanently gone. If it returns, please instruct me how to sue these XXXX.
Consumer complaint received 2019-03-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (GA)

On XX/XX/18 I initiated an online application to One Main Financial. Which was approved online without any collateral. With an XXXX credit score. For and amount of XXXX. Keep getting an esign error. Got a call from the office in XXXX. To come in to sign the paperwork. Once at the office they see I have a vehicle that's almost paid off from my credit report, now the only way they can close the loan is to use the truck as collateral. Which was almost paid off and at a lower interest rate. This is a classic Bait and Switch and Predatory Lending.
Consumer complaint received 2018-12-08
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. (FL)

I have disputed the late payments on XXXX XXXX XXXX for months. Credit Bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2018-12-08
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: Experian Information Solutions Inc. (FL)

XXXX  am very concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this ... XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2019-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (AZ)

Company named AFNI claims to work on behalf of XXXX and says that I owe over {$700.00} due to an accident that i was never involved in, in a vehicle i never owned, in a city I don't live or have ever visited. They say this so-called accident took place on XX/XX/2018 and I'm not sure how they have my personal information. I have already tried contacting XXXX directly and they are not aware of this company or the claim number that AFNI came up with. This company continues to send me letters of owing and calling my phone. I want it all to stop! I don't know of their legitimacy, but I have no involvement in this claim.
Consumer complaint received 2018-12-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (MN)

I purchased home and was being financed by Flagstar bank Michigan based loan services which had history of mortgage and loan modification violations since XX/XX/2018 up to present. soon after I purchased the home the second borrower has lost job and we have to apply for loan modification. The bank received loan documents and promised to give us help based on our income. after review of the loan Flagstar bank denied our modification. The primary reason for assistance is loss of income and they refused to help us in the 1st loan modification request. we did not give up however, struggled to pay monthly payment of {$2300.00} until the month of XX/XX/2018. during our missed payment Flagstar loan officer called us to help us and directed us to reapply and submit loan application along with required documents again. we did. they deny again saying that loan is not matured to one year and again send us letter to reapply when the home is 12 month. we again agreed with the bank and applied for the third time. They denied again. During our default we also found that Flagstar bank added {$1300.00} to our loan balance which we never aware of at all for the last six months and raised the payment to {$2400.00} which we realized that a violation of mortgage rule and make it difficult for us and trying to foreclose the home on us. loan modification is aimed to help active home owners who can not able to make payment due circumstances such as job loss like we had. Flagstar however depicted us for several months by offering false hope, harassing us to apply for assistance and intentionally drags us to foreclosures.

They failed to help us and threatening us to foreclose the home with out offering us options to solve the defaults with payment arrangement, forbreances, or loan modification. secondly they added up money we have not know the reason and made us vulnerable for foreclosure.

I am writing to your office to investigate their violation specially violation of Dodd- frank wall street reform which is regulated by your office which is empowered by federal government. I also inform your that Flagstar bank does not made a fair decision and their judgment is unlawful, not substantial, not transparent, and doesn't not constitute federal mortgage rule and regulation practices. I declare this as act of discrimination and will continue to bring them to justice. Justice will prevail.

Thank you so much.
Consumer complaint received 2023-03-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

I was purchasing a dog from XXXX. 
Paid a deposit {$100.00} to hold. And {$200.00} for the rehoming fee. 
The next day when it came to pickup the puppy I paid an additional {$200.00} for regression fee. 
So a total of {$500.00} was given to the recipient. 
Ive waited over and hour for pick up. Owner kept asking for shot fees and stating he was not allowed to give dog away till puppy was vaccinated. 
I had a vet to take puppy to. I told owner it would be handle since it was only rehoming fee that was discussed. 
Owner kept changing vacuumed names and would not provide the vet information to confirm which vaccines are needed. I then called and reported it to the authorities to report this scam since the owner no longer live at the address they provided to meet at and had not responded.
Consumer complaint received 2019-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Account : XXXX Account # XXXX I've contact the creditor multiple times to resolve this issue. Was instructed to contact the credit bureau for help. I have sent multiple letters to the credit bureaus and each time I received a " we verified your account as accurate ''. This account is not reporting 100 % correctly and it's damaging my credit profile and causing me to be denied credit. The credit bureau has failed to completely verify this account for accuracy.
Consumer complaint received 2018-04-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

When took out this loan it only covered a small fraction of the amount I needed to attend school and I was and am currently repaying for the loan. I am struggling to repay this debut due to the fact that I never received a degree I kept running out of financial aid funding. I dont mind paying for something I utilized but if I didnt receive the benefits of a degree that I feel Navient does not deserve my hard earned money. I have a family to support. I am a single parent and my daughter now wants to attend college and I cant even help her..
Consumer complaint received 2022-06-13
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. (MO)

My name is XXXX XXXX and I have been a customer of XXXX since XXXX! I am sending this letter because when I checked my most recent credit report, I noticed it contains 2 late payments on XXXX and XXXX of XXXX. The late payments were due to my bank account getting hacked and I had to get a new bank account. After receiving my new bank account, I reached out to XXXX via email on XX/XX/XXXX to update my bank and was not contacted back in a timely matter. When I finally received an email, I was locked out of my account and had several issues connecting my new bank. There has been several issues with the app logging you out and not being able to verify your information in order for you to regain access. Due to this mistake with their system. When I was finally contacted by XXXX I did get into the account to update my bank but it was too late. I had already received a late payment on my credit report which is effecting my credit in a negative way. I have perfect payments on all my credit accounts. I attempted to reach out to the company to fix the issue. I even uploaded the screenshot where I asked them to switch my bank and they are not willing to correct my credit report. They advised me that I have not been a customer long enough and Ive had the account over XXXX years. The company has not updated nor reported none of my payments since XXXX of XXXX and its now XXXX. 

Other than this mistake, I have a history of making my payments to XXXX on time. I hope you will consider my request and remove this late payment from my credit report.
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. (FL)

experian, XXXX and XXXX has an account on my credit that is not mine/inaccurate. 

Accounts-not mine XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,
Consumer complaint received 2018-12-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (UT)

My mortgage was recently sold by XXXX XXXX  to XXXX XXXX  in late XXXX early XXXX of 2018. I had previously been working with XXXX to remove my PMI from my loan. After my mortgage information was transferred to XXXX I called them to continue the process of removing my PMI. However, XXXX informed me that due to my contract with them that I will have to pay PMI for the full term of my loan no matter what my principal balance. I'm willing to pay for an appraisal to prove that my house is worth 80 % more than my principal balance however XXXX told me that regardless I would be stuck paying PMI for the full duration of my loan.
Consumer complaint received 2018-12-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

Chase is my mortgage servicer, but is failing miserably to provide me with an opportunity to keep my home. For several years ago I have been trying to work with them, but they have failed to provide me with any mortgage payment relief. They have dragged their feet and I believe they have not properly reviewed my loan for workout options. I make enough money to afford a reasonable payment and believe there must be some sort of modification or forbearance program available for which my loan can qualify, but Chase isn't taking me seriously. I have spent YEARS trying to get them to modify my loan and it seems impossible to get them to perform a financial calculation of my current income and offer a program that fits within the guidelines for mortgage assistance. Their staff has been robotic and I fear that I will lose my home because they are blocking me from getting help. I lived in my home since XXXX and I had my hours cut at my job a few years ago. I reached out the Chase to get help, but they kept denying me because they did not include all of my household income. My wife makes good money, but for some reason, Chase did not take her contribution into account. I contacted Chase when I knew I was going to miss my mortgage payments, but I have only gotten the runaround and have been unable get them to properly review my loan for workout options. I have had multiple single points of contacts who would never return my calls and I was forced to repeatedly send in the same documents that were " never '' received. Eventually I had to turn to an attorney who advised bankruptcy, but I continued trying to work with Chase to get assistance on my mortgage loan. They were given billions of dollars to help homeowners who are in trouble, but apparently can pick and choose who and how they help. During the last three years, I have been shut out every opportunity to have my mortgage loan reviewed for assistance options and need help to get them to treat me fairly.
Consumer complaint received 2018-04-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OK)

I have sent Portfolio letters regarding this matter, I have ask them to send me a contract with them, that has my signature. They have failed to do so. They claim I owe them {$1100.00} from XXXX  XXXX. I don't believe I owe Portfolio money, They have put this as a collection on my 3 credit reports, With out a contractual agreement between me and Portfolio that would be Illegal to do so.
Consumer complaint received 2019-03-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (VA)

I applied to refinance my current mortgage and after lengthy negotiations with the servicing company, they told me to call the original bank which I signed the mortgage with. They are now telling me that after XXXX years of payment I will still be owing {$470000.00}. I don't understand it a nd I want some answers.
Consumer complaint received 2019-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (NY)

Because I filed a complaint ( XXXX ) regarding my personal loan issues Discover is now retaliating and not allowing me to use my Discover credit card. This is appalling and unacceptable! They worked in competence and when they elected to ignore the problem they created, I filed a complaint. They need to explain why they were not being truthful with your company and the previous complaint should have been resolved long ago. I made my payment on-time and my credit union have provided documentation that I have faxed over to Discover to prove their error. Now, why are they trying to prevent me from using my credit card? That personal loan account is up to date and all payments were made and are made in a timely manner, including my credit card payments. I am seeking a resolution to their bullying, not just any response. They have integrity issues just a response is not sufficient. 

Thank you.
Consumer complaint received 2019-10-18
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. (LA)

I HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASION TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

My name is XXXX XXXX and I have been a customer of XXXX since XXXX! I am sending this letter because when I checked my most recent credit report, I noticed it contains 2 late payments on XXXX and XXXX of XXXX. The late payments were due to my bank account getting hacked and I had to get a new bank account. After receiving my new bank account, I reached out to XXXX via email on XX/XX/XXXX to update my bank and was not contacted back in a timely matter. When I finally received an email, I was locked out of my account and had several issues connecting my new bank. There has been several issues with the app logging you out and not being able to verify your information in order for you to regain access. Due to this mistake with their system. When I was finally contacted by XXXX I did get into the account to update my bank but it was too late. I had already received a late payment on my credit report which is effecting my credit in a negative way. I have perfect payments on all my credit accounts. I attempted to reach out to the company to fix the issue. I even uploaded the screenshot where I asked them to switch my bank and they are not willing to correct my credit report. They advised me that I have not been a customer long enough and Ive had the account over two years. The company has not updated nor reported none of my payments since XXXX of XXXX and its now XXXX. 

Other than this mistake, I have a history of making my payments to XXXX on time. I hope you will consider my request and remove this late payment from my credit report.