davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MN)

XXXX refused to permanently remove late payments shown for three XXXX XXXX loans that I took out in XX/XX/XXXX for each of my XXXX sons. The first basis for my request for removal of one loan showing in collections and all showing several months late -- severely damaging my credit -- was that I have several private student loans being serviced by XXXX. I am currently a XXXX XXXX. When XXXX advised that my " private loans '' were in repayment, and I began a payment plan, I reasonably understood that ALL student loans that were supposedly due were included in the repayment plan. Secondly, XXXX insists that the loans were not for my children despite that my children 's names are on the loan documents as the benefactors of the loans. Third, I argued that the negative entries had to be removed, as a matter of federal law, because I was never notified that the XXXX XXXX loans were in arrears. Finally, I filed Bankruptcy in XX/XX/XXXX in the XXXX District of Oklahoma. Many Circuits, including the XXXX Circuit wherein the XXXX  District of Oklahoma sits, recognize that Tuition Answer loans are commercial loans and not student loans that are exempted from Chapter XXXX bankruptcy. My last conversation with Navient evinced their attempt to conceal that they were collecting on the XXXX XXXX loan because the agent referred to the loans by either loan number or another acronym -- never calling the loans XXXX XXXX loans. My dispute with the credit bureau resulted in XXXX removing from my credit report the XXXX XXXX loan that is supposedly 18 months or more in arrears and in collections. Within a month of that retraction, XXXX and the credit bureaus added the loan that was in collection back on my report -- -reflecting me being {$7000.00} past due. 

My primary issue is with XXXX. However, that the credit bureaus allow me ( and others ) to initiate a dispute only to resolve said dispute by taking the furnishers ' " verification '' at face value without providing me a copy of the certification furnished denies my right to due process and to further challenge the issue. I would like for the CFPB to ( 1 ) intervene in the investigation into this particularly nuanced case regarding XXXX XXXX Loans i.e. loans taken for a third party and ( 2 ) initiate an action aimed at requiring credit bureaus to make their dispute process transparent and provide the person making the dispute with a copy of the documents upon which the Bureau relied to confirm or modify the information furnished BEFORE such action is taken
Consumer complaint received 2015-12-28
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

While I was XXXX I was protected by the Soldiers and Sailors Civil Relief Act. I was unfairly charged massive late fees and compound interest during this time that was illegal for them to do so. I had contacted all of my creditors and sent them a copy of my orders because they are required by law to reduce interest rate to 6 %. Since then the debt from those credit cards has been sold and I can not get this issue resolved.
Consumer complaint received 2022-12-15
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2019-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FIRST NATIONAL BANK OF OMAHA (OH)

I applied online for a XXXX XXXX Mastercard by First Bankcard on XX/XX/XXXX. I received notice of a decline promptly on line. Thinking there was some sort of error I called XXXX on XX/XX/XXXX which was a phone number they provided for such a situation. I was informed by XXXX I would receive a letter in 7-10 business days detailing why and that I was turned down due to a prior bankruptcy and too many credit inquiries. I did finally receive a letter dated XX/XX/XXXX but I didn't receive it until XX/XX/XXXX. It did not site a prior bankruptcy. I did have a personal bankruptcy but it was discharged in XXXX and should not be part of any current credit decision.
Consumer complaint received 2020-02-24
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. (DE)

Thank you for using the XXXX XXXX XXXX  's Online Complaint System. 
Your complaint has been assigned case # XXXX. 
Correspondence regarding this complaint will be emailed to : XXXX Please print a copy of this for your records. 

Filed on : XX/XX/2019 Filed by : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX DE XXXX Filed against : Experian Credit Report XXXX. XXXX  XXXX XXXX TX XXXX Complaint Description : I have contact Experian several times on inaccuracies that they are reporting and they refuse to correct with proof I have provided. I have court Judgement against XXXX XXXX, XXXX and have never been late on any payments. Experian has me at a low credit score which is their was of harassing US consumers. I have NO DEBT nor credit card XXXX. All my living expense Bills are paid in full ever month for at least 30 years. They refuse to correct my credit history, credit score which they say is FAIR and continue to harass US Consumers.

Your Desired Resolution : Do their JOB as they are suppose to be doing in correcting their mistake and sop harassing US consumer by not correcting their inaccuracies in credit report. They need to employ much better train employees. 

This case will be reviewed by a complaint specialist at the XXXX XXXX XXXX, and then forwarded to the business for their response. It is our policy to allow the business 30 working days to respond to your complaint. You will be notified when the business has responded. 

What would you like to do next? 
View the status of your complaint Return to the XXXX Homepage XXXX  Privacy Policy
Consumer complaint received 2020-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC. (MN)

Navient refused to permanently remove late payments shown for three XXXX XXXX  loans that I took out in XX/XX/XXXX for each of my XXXX  sons. The first basis for my request for removal of one loan showing in collections and all showing several months late -- severely damaging my credit -- was that I have several private student loans being serviced by Navient. I am currently a XXXX XXXX. When Navient advised that my " private loans '' were in repayment, and I began a payment plan, I reasonably understood that ALL student loans that were supposedly due were included in the repayment plan. Secondly, Navient insists that the loans were not for my children despite that my children 's names are on the loan documents as the benefactors of the loans. Third, I argued that the negative entries had to be removed, as a matter of federal law, because I was never notified that the XXXX XXXX loans were in arrears. Finally, I filed Bankruptcy in XX/XX/XXXX in the XXXX District of Oklahoma. Many Circuits, including the XXXX Circuit wherein the XXXX  District of Oklahoma sits, recognize that XXXX XXXX  loans are commercial loans and not student loans that are exempted from Chapter XXXX bankruptcy. My last conversation with Navient evinced their attempt to conceal that they were collecting on the XXXX XXXX loan because the agent referred to the loans by either loan number or another acronym -- never calling the loans XXXX XXXX loans. My dispute with the credit bureau resulted in Navient removing from my credit report the XXXX XXXX loan that is supposedly 18 months or more in arrears and in collections. Within a month of that retraction, Navient and the credit bureaus added the loan that was in collection back on my report -- -reflecting me being {$7000.00} past due. 

My primary issue is with Navient. However, that the credit bureaus allow me ( and others ) to initiate a dispute only to resolve said dispute by taking the furnishers ' " verification '' at face value without providing me a copy of the certification furnished denies my right to due process and to further challenge the issue. I would like for the CFPB to ( 1 ) intervene in the investigation into this particularly nuanced case regarding XXXX XXXX Loans i.e. loans taken for a third party and ( 2 ) initiate an action aimed at requiring credit bureaus to make their dispute process transparent and provide the person making the dispute with a copy of the documents upon which the Bureau relied to confirm or modify the information furnished BEFORE such action is taken
Consumer complaint received 2020-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION (DC)

I am contacting Pentagon Federal Credit Union Credit Card Services in regards to an account that is showing late payments. My account has shown several on-time payments. However, it wasnt until I received misinformation with a customer representative from Pentagon Federal Credit Union Credit Card Services that this person has indicated that Pentagon Federal Credit Union Credit Card Services reports at 60 days late. I learned that this information was incorrect. I was recently out of the country for work purposes. Pentagon Federal Credit Union Credit Card Services admitted that they have the recorded conversation in which they have provided me with the wrong info but indicated that they will not remove the late payments. 

XXXX, XX/XX/2019 XX/XX/2019 - 30 Days Late
Consumer complaint received 2020-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I filed a claim for an ATM withdrawal on XX/XX/2020, in the amount of {$700.00}. I attempted to withdraw {$800.00}, including the ATM fee of {$3.00} on XX/XX/XXXX, however, I only received {$100.00} from the XXXX XXXX  ATM. Therefore, I proceeded to file a claim for {$700.00}. I received a provisional credit on XX/XX/XXXX while the claim was being investigated. I then received a letter in the mail on XX/XX/XXXX regarding my claim update : it was denied. I was provided with a very poorly printed document that was comprised of multiple transactions from the ATM ( maybe a transcript, not sure ). The letter said that the bank relied on that sole document to come to a conclusion regarding my claim. I can barely make out what the thing says because of how discolored and dismal the document looks. But I can see where my transaction of {$800.00} was supposedly dispensed on XX/XX/2020. Inaccurate. The transcript just says what the ATM was supposed to give me, but that wasn't what happened. I appreciate the time and effort Bank Of America put into this claim, but it isn't just. The camera in the bank will prove my rendition of what happened. I have a full-time job, thus I don't have time to lie about an ATM error. Machines make errors, like theirs did. Sorry, that isn't sufficient enough to deny my claim.
Consumer complaint received 2022-12-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (MD)

In XXXX of 2019 I took out a personal debt consolidation loan with ONE MAIN FINANCIAL. This finance company paid off prior debts that I had as the agreement that I signed. Debt was not paid and was forced to go to collections. I have tried several times over the years and most recently months to get this remedy to get that creditor paid. The amount is about XXXX some dollars but the company has yet to re-administer a check even though I have provided the name of the collections company as well as mailing information.
Consumer complaint received 2020-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I want to contact Capital One directly to appeal a late payment that is listed on my credit report. I have contacted the credit reporting agencies to look into this matter without success. I have been with Capital One for about 2 years now and have only had one payment over 30 days due to being locked out of my accounts because my password was compromised and on the dark web.
Consumer complaint received 2020-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (KY)

Southwest Credit Systems keeps calling my phone constantly. I did answer once to see what they wanted. I told the lady to stop calling because it was illegal and she called me a XXXX before I hung up. This debt is for XXXX originally and it was under another CA called XXXX XXXX  for awhile and removed and now it's is back under this new CA. This is bringing my score down because they even put on there that I was 60 days behind. I have not been with XXXX since 2014 when the account was closed. They are re-aging this account and I know that's is illegal to do. Thank you.
Consumer complaint received 2020-02-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Johnson Mark LLC (OR)

I have disputed this debt as the dates that they claim this was incurred, I was out of the country. My accounts and credit report were part of the XXXX/XXXX   data breech and as a result I have had to resolve these issues on my report. However, this company has been particularly abusive and bullying in their tactics. They sent one letter on XX/XX/XXXX and then tried to serve papers on me inXX/XX/XXXX- for a debt that I am not responsible for nor, have ever heard of this company before. I have filed reports with 2 credit reporting agencies, so by law they need to stop harassing me, however, they have not. I am still trying to access XXXX  to dispute the reporting with them, however, due to the data breach, and misinformation on my accounts, I can not even access those records.
Consumer complaint received 2020-02-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (GA)

I GOT A REFUND OF {$2400.00} FROM XXXX XXXX  XXXX   SINCE XXXX OF XX/XX/2020 TO MY ACCOUNT IN CHASE BANK WITH ACCOUNT NUMBER XXXX, ALL EFFORT TO COLLECT MY FUNDS HAS BEEN IMPOSSIBLE AND THEY CLOSED MY ACCOUNT AND REFUSED TO RELEASE THE FUNDS TO ME,
Consumer complaint received 2021-04-18
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 (NY)

PayPal limited my account permanent without any reason. XXXX PayPal. ( Ref ID - XXXX XXXX The processor PayPal has infringed in a violation of my consumer rights. PayPal has closed my account to prevent me from withdrawing my money to my bank account. Send them all the documentation they requested, bank account, photo identification. According to PayPal, accounts are blocked for unauthorized transactions, disputes, or chargebacks. I have no disputes, I have no chargebacks and I have always used my account respecting the policies and use agreement that are established in PayPal. The reason for the limitation was due to the withdrawals I made to my bank account. My account is XXXX I am scared that this company will steal my money and not allow me to withdraw it. I enclose all the evidences of how this company does everything possible so that I can not withdraw my money Account ID : XXXX XXXX
Consumer complaint received 2019-09-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

My payment for my mortgage has went up by {$300.00}. Due to escrow analysis. I'm struggling now and don't know if I can pay the extra. I dont understand why I need to pay XXXX in full or pay XXXX more for new payment. My taxes have only went up by XXXX. So why would it be this much more?
Consumer complaint received 2020-02-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (OR)

I sold my babys crib on XX/XX/2020. The buyer transferred {$110.00} to my phone number using XXXX XXXX  XXXX XXXX. I received an sms to accept the amount. As my phone number wasnt registered on XXXX I was told to wait for 3 working days for the amount to appear in my account. The buyer says that ot has been debited from their account but I havent received it. I contacted my bank PNC about the same on XX/XX/2020 and they say its an issue with senders bank ( XXXX  ). The sender says that they contacted their bank and the issue is with my bank.XXXX  says as I have XXXX with my bank they can not help me. I have attached senders bank statement and mine too
Consumer complaint received 2017-05-31
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. (TX)

I have a   XXXX   and for some reason when you run my credit, all of my  XXXX  information comes up. Things such as her being in the  XXXX , her places of residence, and car loans she has taken out.
Consumer complaint received 2016-01-26
Product: Credit card — 
Issue: Arbitration — 
Company: AMERICAN EXPRESS COMPANY (CA)

My Right to Reject Arbitration ; Arbitration Rejection Notices sent to American Express via Certified Mail with Return Receipt ( XXXX of them now!! ) and another sent via First-Class Mail ( XXXX total ). First one sent XXXX XXXX, XXXX and delivered XXXX XXXX, XXXX and up to now XXXX XXXX, XXXX there has not been a single confirmation letter/letter sent back concerning all XXXX letters!! Called American Express over XXXX times regarding why I have n't received my confirmation letters and the first XXXX reps. told me it was processed on XXXX XXXX, XXXX and on it 's way to me in the mail. The XXXX time I 've called and asked to speak to supervisors they all can not find any record of my right to reject Arbitration, Arbitration Rejection Notices even in the system when the first XXXX reps. could!!!! Some of the rest of the calls I was treated with disrespect and some employees left me on hold or transferred me to a automated recording and completely wasted my time disregarding me as a consumer! American Express to date ( XXXX XXXX, XXXX ) has not written back or called back concerning my letters or returned my many calls/voicemails and have not sent me any confirmation letters regarding My Right to Reject Arbitration/Arbitration Rejection Notices and they show no interest in getting the issue resolved and show no interest in sending me all the confirmation letters that they owe me. I believe American Express is willfully violating our agreement ( s ) and my right ( s ) by refusing to provide confirmation letters ( which are to me and all consumers for the matter, written proof that they received my/our letters and state that they 've updated my card member agreement ( s ) to reflect my/our Right to reject arbitration for my account ( s ) ) to me so if anything were to every happen like for example my card number was stolen they ca n't claim they never received my Certified Letters and " force '' me to arbitrate any disputes when in fact I have proof/evidence that I did my part per the card member agreement ( s ) and sent them not just XXXX, but XXXX letters, XXXX of which are Certified Mail with Return Receipt ALL DELIVERED to American Express and signed for! How can consumers trust such a company that from the beginning have illegal business practices??! Please investigate and take action against illegal and corrupt conduct from companies like this! BAN " FORCED/BINDING/MANDATORY '' Arbitration from ALL contracts, regardless of nature, whether it be consumer, employment, loans of any sort, etc.. BAN ALL AND INVALIDATE CURRENT CONTRACTS AND AGREEMENTS THAT RELATE TO CONSUMERS regarding FORCED/BINDING/MANDATORY! 
Also, please look into my current issue concerning American Express and their illegal business practices! 
Thanks in advance to the people and consumers just like me in the Consumer Financial Protection Bureau who band together for OUR rights!
Consumer complaint received 2019-07-16
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)

The following accounts were disputed but transunion never updated theses accounts as being disputed. 

US DEPT OF EDUCATION Closed Closed on XX/XX/2017 US DEPT OF EDUCATION Closed Closed on XX/XX/2017 US DEPT OF EDUCATION Closed Closed on XX/XX/2017 DEPT OF ED/XXXX   Closed Closed on XX/XX/2017 DEPT OF ED/XXXX Closed Closed on XX/XX/2017 DEPT OF ED/XXXX  Closed Closed on XX/XX/2017 2017
Consumer complaint received 2020-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mobiloans, LLC (TX)

I was recently going over my XXXX  credit report and I found some inaccuracies in their reporting. Here are the facts. 
Original Balance is incorrect. XXXX  is reporting the Original balance as {$2400.00}. Original balance after interest and fees was {$2100.00} Monthly Payment is incorrect. Monthly payment varied from {$150.00} - {$170.00}. 
Status is not 30 Days late. I have documents showing every time a bill would be coming up Mobiloans LLC would send me a email copies attached stating that his account comes with AutoPay* so no action is required if youd like to make the minimum payment. Mobiloans LLC has set the standard letting me know to not worry that my account will be automatically drafted each month. 
My wife spoke to Mobiloans and they said that the account was taken off AutoPay on XX/XX/XXXX. I never requested this. 

Now it my credit report is showing a 30 day late even though this was now my fault. 

I have tried to remedy the situation to no avail I will be attaching documents