davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (ID)

I do not feel the company has responded within a reasonable time frame. It has been 135 days since they have made a commitment that they have yet to honor. 
Please see previously closed complaint # XXXX. Attached to that complaint is the company 's statement on XX/XX/XXXX. It states the following in paragraph 5 line 5 : " When we receive a completed ECF indicating that you are maintaining qualifying employment, a letter updating the total number of qualifying payments you have made towards loan forgiveness under the PSLF program will be sent. '' I submitted the ECF as requested and their response followed on XX/XX/XXXX ( attached in full below ) stating the following : Qualifying Payment Tracking for Public Service Loan Forgiveness In the next few weeks, we will calculate and provide you with notification of : The number of qualifying payments you have made during the qualifying employment period listed above, The total number of qualifying payments you have made during all periods of qualifying employment approved todate, The estimated number of payments that are still required, and The date you are expected to be eligible to apply for forgiveness. 
After we calculate the number of qualifying payments you have made, keeping track of your progression toward PSLF is easy. 


They have done nothing since then. As stated above, it has been 135 days and i feel that i am being forgotten intentionally. I know that these payments can be backdated, but i feel this is a diversionary tactic used to keep me from receiving qualifying credit for my payments until another dirty tactic can be used to disqualify me altogether.
Consumer complaint received 2020-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (KY)

I have attempted multiple times to contact FEDLOAN via their online message regarding payback and qualifying payments for Public health forgiveness program. They never respond and never show proof of messages. If you call to talk to agent, there is no paper trail and calls last for such a long time it isn't possible to call with questions. 
When you get to discuss loan with agent the details change per agent. 

I simply want my total amount of payments to be accurate. I have had automated debit since the onset and on time 100 %. They did not give me credit for 3 payments because I paid more than the lowest amount thus fedloan took it upon themselves to just use the extra amount to not add to the principal as i requested but instead delay counting the amount of months for me. 

They will not give me written information regarding that date. I consolidated XX/XX/XXXX and instead of XX/XX/XXXX being the 10 year forgiveness date it has been changed to XX/XX/XXXX arbitrarily. 

I have talked to several people and it seems to be a common scam by FEDLOANS to delay the 10 year time frame to months and even years of more payments.
Consumer complaint received 2024-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2019-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I purchased a new XXXX XX/XX/XXXX financed through XXXX XXXX. In XX/XX/XXXX, my motor went out in the vehicle. The car was towed to XXXX dealership, and it was confirmed the motor was gone. I had around XXXX miles on the vehicle, and XXXX XXXX would not replace the motor even though it was still under warranty. I told them they can pick up the car because there was no way I could pay for the car and get the motor replaced. XXXX XXXX did not offer any assistance in the matter. Therefore, since the car was deemed as totaled, my insurance company paid a portion of the balance and thereafter the car was recovered. 
Around XX/XX/XXXX, the car was recovered by XXXX XXXX and charged off. However, XX/XX/XXXX, XXXX XXXX is now reporting late payments on my credit report which is ruining my credit. How can the car be charged off and reporting late payments? I have not been in contact with XXXX XXXXsince the charge off. I have not any activity on this account none whatsoever. The account was closed charged off and date of last payment inaccurate and they would not delete I have read several articles with XXXX XXXX using unethical practices. This is really emotionally disturbing and stressful.
Consumer complaint received 2019-06-22
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2019 I entered chase bank located XXXX XXXX XXXX in XXXX New Jersey to deposit 10 money orders with a total sum of US {$9000.00}. The next day I was told there was a restriction on my account and I was to prove that the money orders was legitimate by bringing in the receipts which I didnt n have and had to have them shipped from overseas. I was able to provide nine out of the 10 receipts due to a miss placement of one. After that I was still told that I have to provide the 10th receipt in order to lift the restriction and if I cant provide it that my finances has two years to be claimed Or it will be sent to the state.
Consumer complaint received 2019-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

All of the money in my chase checking account was stolen by an unknown account via chase quickpay on XX/XX/2019. There were two unauthorized transactions under my brother and sister 's names but they were not recognizable email addresses. It seems like my chase account got hacked. One transaction was for {$1100.00} and one for {$87.00}. I was asleep when this happened and only found out about it when I woke up because of a notification. My brother and sister confirmed that it was not them and they did not receive any money in their accounts. I tried calling chase but they would not help me and were not able to give me my money back.
Consumer complaint received 2019-06-22
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2019, I sent the attached letter to Capitol One asking that they close this account. 

They called me about a week later, and transferred me to 4 people, none of which was willing to close this savings account. It seemed like a programmatic way to avoid closing an account, and it took an hour of my time. 

Now, on XX/XX/2019, the account is still open. Almost six months later. There is a XXXX  balance. 

Would you please ensure that Capitol One adhere 's to my request and close this account?
Consumer complaint received 2018-01-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JH Portfolio Debt Equities, LLC (MA)

I checked my credit report when the XXXX breach happened. XXXX  gave me a free XXXX XXXX protection plan. I then requested a free annual credit reports from XXXX and XXXX. I noticed a few accounts that were opened fraudulently. I disputed these accounts a few times.
Consumer complaint received 2021-10-15
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. (PA)

I am writing to remove the following information in my file. The items I need removed are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions identity theft affidavit. Please remove these as soon as possible. I XXXX XXXX am making this complaint. This is not a third party, you guys tried this before.
Consumer complaint received 2022-04-06
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: Conn's, Inc. (NC)

bought a tv from conn 's XXXX XXXX in XXXX nc around XX/XX/XXXX XXXX it hasnt been 30 days XXXX the item is already having issues. i tried to fix this with the store XXXX headquarters. the store is not willing to refund me the money right now
Consumer complaint received 2021-06-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

I accidentally filed wrong claim for this transaction. 

Transaction ID : XXXX Transaction date : XXXX XXXX Transaction amount : {$120.00} USD Recipient email : XXXX I did not receive item for this transaction and I'd like PayPal to reopen this case. I talked to the merchant and apparently he/she does not want to ship the item because his/her PayPal account was limited and unable to withdraw the funds.
Consumer complaint received 2020-02-17
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: EQUIFAX, INC. (AZ)

XX/XX/XXXX contacted XXXX with Disputes for XXXX XXXX. She advised I do not have any late payments with them and did not know why Equifax was showing a late XXXX payment. Filed a dispute with Equifax. They replied back that XXXX computers sent that I do have 1 late payment.Tried talking to Equifax on XX/XX/XXXX. Advised them XXXX  and XXXX  show no late payment, why wont they correct this. I filed a complaint with you { CFPB } on XX/XX/XXXX but never heard back. Tried talking to Equifax again on XX/XX/XXXX but they still will not remove a XX/XX/XXXX late payment for XXXX XXXX which does not exist.. XXXX  can be reached at XXXX
Consumer complaint received 2020-02-17
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. (NV)

Transunion Report shows a hard inquiry from a XXXX XXXX, XXXX, TN XXXX. Don't know the company nor did I ask for credit.
Consumer complaint received 2022-12-14
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. (CA)

THE BUREAUS KEEP MARKING THE STUDENT LOANS AND OTHER ACCOUNTS AS VERIFIED AS ACCURATE BUT CAN NEVER SHARE THEIR FINDINGS. I BELIEVE THEY KEEP MARKING IT WITHOUT GIVING ME A PROPER INVESTIGATION. 

In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 1. XXXX XXXX XXXX  XXXX XXXX BALANCE {$7600.00} 2. XXXX XXXX XXXX XXXX XXXX BALANCE {$4300.00} 3. XXXX XXXX XXXX XXXX XXXX XXXX {$3600.00} 4. XXXX XXXX XXXX XXXX XXXX XXXX {$5300.00} 5. XXXX XXXX XXXX XXXX XXXX XXXX {$4000.00} 6. XXXX XXXX XXXX XXXX XXXX XXXX {$9300.00} 7. XXXX XXXXXXXX XXXX  XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Secllan 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ).

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute.

Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

Please reply within 15 days or delete the negative items, as originally requested.
Consumer complaint received 2018-01-13
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)

Following inquiries on my report are not mine and fraudulent ... 

Fraudulent Inquiries XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX -XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX
Consumer complaint received 2018-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Byrider Franchising, LLC (OH)

XX/XX/17 disputes sent through all credit bureaus regarding closed accounts still reporting on credit report after discharged bankruptcy. XXXX  responded saying the account information is correct. All closed accounts should be removed as they are no longer my responsibility to pay.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I ask the credit bureau to do a verification on my credit report and they did.They stated that it was accurate and I did a thorough research myself and found improper inaccuracies on my report after the verification In accordance to the Fair Credit Reporting XXXX Account has violated my rights.

15 USC 1681 Section 602 A states that I have the right to privacy 15 USC 1681 604 Section 2 it also states a consumer agency can not furnish an account without my written instructions
Consumer complaint received 2024-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There is a collection on my Transunion credit report for XXXX XXXX XXXX XXXXXXXX who is reporting a debt for XXXX XXXX. I have requested in writing validation of debt from XXXX and the address provided to me from Transunion has been returned as undeliverable. I will submit proof of the returned mail. In addition this debt collector is illegally collecting as they are not licensed to collect in California. This is required by the CA Financial Protection Law.
Consumer complaint received 2018-01-13
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (MS)

On XX/XX/2018, I received a bill in the mail for the amount of {$680.00} from a MCM or XXXX XXXX XXXX. Upon further investigation after XXXX  the company, they have tried to commit fraud to many unsuspecting people. I called them and told them they had the burden of proof to show I owed the debt. I asked them where the debt originated from and they could n't provide those answers. They stated they are a attorney 's office and will go after me in court. I explained to them I would be reporting this to the Attorney General 's Office in my state and make an official police report. They transferred me several times until I spoke with an male who had an XXXX XXXX accent who identified himself as a manager. He stated the debt was done in error and they would release this from my credit report. I made a police report with the XXXX County, XXXX Sheriff 's Department and XXXX.
Consumer complaint received 2018-01-13
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (PA)

I was suddenly XXXX in the summer of XXXX resulting in the sudden loss of my home where my bills for my student loans were sent. As soon as I was able to contact family I was able to get my loan back to current and have not missed a payment since. This negative hit from being unable to pay is currently the only missed payment on my credit report and is greatly effecting my score and therefor my ability to get a decent rate on a mortgage. The missed payment is detailed as XXXX XXXX through Navient
Consumer complaint received 2020-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo Bank closed my secured credit card on XX/XX/2020. I received a letter a week later stating they had closed my account based on thier desicion even though I have an excellent payment history, on this letter they did not provide information on the collateral monies held by them which belong to me are {$500.00} dollars, the balance on the account at the time they closed the account was {$470.00}. Wells Fargo closed the account reporting the incorrect balance owed stating I owe them {$570.00} instead of applying my deposit and the payment they had already had in thier possesion and reporting the correct balance which is XXXX!! Wells Fargo owes me {$29.00} I do not owe them any monies as they are reporting incorrect information. I called them and spoke to thier executive offices and was told they they didnt have any information to provide me and would get back to me and never did.
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc (NY)

This is not a duplicate. On XX/XX/2022 I noticed i had multiple unauthorized transactions in my account. The transactions looked as if i was sending myself money but wasn't spelling my name right. So I contacted my bank to explain who i believe XXXX be to blaim for this but also to ask how this was possible because I should of been protected from something like this. That's when I put in the disputes. 
I got an automatic response initially, then they just closed my dispute. I, then called Chime and spoke to a gentleman and explained what i believed happened and he then refiled another dispute for me and told me to just explain what i did to him in an email following the dispute. That's exactly what i did. Then the following day on XX/XX/2022 Chime closed my account completely.
Consumer complaint received 2021-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

I found out today that a joint account I've held for several years with someone granted the joint holder access to all of my individual accounts. USAA as a bank should be shuttered over this violation of trust. All joint accounts should be audited to see if the holders have access to individual accounts that aren't theirs.
Consumer complaint received 2021-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I received a call from capital one fraud department XX/XX/XXXX. After going over fraudulent charges. I requested for the Representative XXXX to look at a credit card end XXXX. I advised I am unable to pay on an account with a fee due to lack of income. Requested to have cancel the card. I was told by XXXX the membership fee would be waived to keep account active. I reviewed the account XX/XX/08 and noticed the fee was still there as well as a late charge. I called to go over the account was told by XXXX XXXX ID XXXX ( no last name provided ) they are unable to waive the membership fee of {$39.00} and I will continue to get a bill and late charges. I advised I was told it would be taken care of and I scheduled the payment for a recent charge and the surcharge connected. He stated nothing he could do. Asked for his supervisor. He said cant get me to a supervisor as he is the highest level. I asked if he had a supervisor he said yes XXXX agent ID XXXX, and that he couldnt get me to them and to have a great day.
Consumer complaint received 2019-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (MN)

This debt keeps being reported even though I did not open this account in XXXX as it says in the credit report. I closed my account with XXXX in XXXX and paid the bill off in full with a check from XXXX XXXX XXXX. 

First off, this debt should be removed immediately because it is not my debt as I did not open this account. 

Second, it should be closed because even though I have known this is not my account I was so scared of getting bad credit that I actually paid the balance in full to XXXX XXXX before XXXX because I was getting harrassed by them. 

There is no way this should be on my account still and there is either fraud or innaccuracy here.
Consumer complaint received 2018-02-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I had to ask Equifax to remove this debt from XXXX XXXX and follow suit of XXXX and XXXX. XXXX  and XXXX both have researched these claims and was unable to " validate '' this debt, Equifax is saying that the debt was " verified ''. I'm asking how were they able to validate this debt when the other two was not. They only send me a letter saying it was " verified '' not " validated ''. 

XXXX XXXX Acc # XXXX {$1000.00} Acc # XXXX {$61.00}
Consumer complaint received 2024-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Upon reviewing my TransUnion credit report, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next XXXX business days.