davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (CA)

In XX/XX/XXXX, I found out about the Public Service Loan Forgiveness ( PSLF ) program and transferred my direct student loan back to the DOE from XXXX to participate in the program. I was in IDR repayment with the IBR ( income-based repayment ) plan and making payments regularly with direct debit. I am set to reach my 120-payments ( 10 years ) in XX/XX/XXXX. In XX/XX/XXXX, I married which increased my payments. I had topped out in my payments under the IBR due to the increase in my joint income following marriage and was paying {$530.00} a month. I was set to have less than {$1500.00} to forgive at the end of my PSLF repayment period. 

I called FedLoan, my DOE loan servicer, on a matter related to my annual employment certification form and was " advised '' by the FedLoan representative to switch from the IBR plan to the ICR ( income contingent repayment ) plan as I would save {$140.00} a month due to my being married and filing jointly and, thus, would have more to forgive at the end of 120-payments. I was skeptical after my past experience with XXXX and other loan servicers. After discussion with my spouse, I decided to go through the extensive process to switch my repayment plan from IBR to ICR so I would have a bit more balance to forgive. When I received my paperwork from FedLoan, my payments had increased {$160.00} a month instead of decreasing {$140.00} per month -- the direct opposite of what FedLoan had promised. Now it is likely I will have no balance to forgive. 

When I called to complain, I was told there was nothing to be done and a supervisor I spoke to all but admitted I was purposefully mislead so I would have nothing to discharged under the PSLF program. I expected such deception from XXXX, who failed to inform me that there even was such a program for 3-years until I heard about it in a new article, but it is demoralizing and infuriating that DOE would allow and perhaps encourage FedLoan to mistreat borrowers who have sacrificed to work in public service so egregiously.
Consumer complaint received 2016-03-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (TN)

I refinanced my mortgage last year and the mortgage was resold to Chase Mortgage. I now have 10 payments that have been misapplied. All 10 of these payments were made by check with written instructions on the check and with an attached mortgage coupon with written instructions duplicated on the mortgage coupon. 

My mortgage is a conventional mortgage and the governing deed of trust is a standard XXXX form. Chase is not following the processes set forth in the deed of trust. 

I would be happy if the standard language in the XXXX form were to be followed as it would have the same results as the written instructions that are not being followed. 

It is my understanding that Chase can only set rules about how they apply payments if I am late on my payments. I have never been late on a payment and some of my communications have been to get them to apply payments correctly before my due date. 

Chase keeps telling me that it is my responsibility to tell them when they need to make a correction, but the misapplied payments are routine and regular ( they have never gotten a single payment applied correctly ). 

I have approx. 30 contacts and communications with Chase mortgage and still have no resolution.
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I reviewed my credit report and it showed multiple errors. The errors included incorrect names, addresses, accounts, and inquires that weren't authorized by me. I submitted multiple letters on XX/XX/XXXX, a second letter in XXXX as well as another letter XXXX XXXX, 2022. I haven't received any updates and this is affecting my life majorly due to them constantly reporting incorrect and fraudulent information.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XXXX I applied for an apartment and received a denial from a landlord. The landlord Used Transunions Smartmove. I tried to receive an explanation and the landlord refused and stated he would mail a copy of the report. I tried to get a annual credit report and they stated I could not receive it online. Transunion refuses to provide me with any information to investigate their information. This is violation of the law and needs to be investigated and possible prosecution. I have every right to my information that I had to pay {$40.00} for. This should be illegal that landlords charge for application fees unless the apartment is approved. It's a shame when companies and businesses rights are put above citizens!! And they are allowed to run amuck. This is a prime example.
Consumer complaint received 2023-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: DISCOVER BANK (CA)

Interest Rate promotion expired XX/XX/2023. I made an extra payment in order to clear the promo interest rate expiring XXXX. According to Discover the minimum payment is applied to the 0 % interest rate, followed by the 2.99 % and ANY additional payment is applied to the highest interest rate 17.24 %. They did NOT follow their internal policy and procedure. The extra funds were applied to the 2.99 % rate inflating my balance for 17.24 % purposefully to create fraud against the consumer. This needs to STOP!
Consumer complaint received 2017-04-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NY)

Commenity Bank purposely uses an " unknown '' number to harass people. They call starting XXXX, and they call nonstop throughout the day. I can not block them because they use a private number deliberately. 
They also try not to identify themselves on the phone so as to " trick '' the customer into identifying themselves first.Their business practices are harassing and unethical, and they need to be put out of business. 
I do not owe the money they are calling me about, and they have not even contacted me by mail so that I can properly dispute the bill.
Consumer complaint received 2019-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MD)

I obtained my Equifax credit report there were US Bankruptcy Court items listed on my credit report as per the FCRA 623 ( a ) ( 5 ) if the credit bureau can not validate the information with the original creditor they must remove the said information. Equifax sent a response to my investigation stating that they verified the bankruptcy with a third party company by the name of XXXX XXXX, which is a Fair Credit Reporting Act Violation because they are supposed to verify with the original creditor. I contacted the US Bankruptcy court and they said that they do not verify information with the credit bureau. I also received a copy of my XXXX XXXX report and it does not show a bankruptcy record on my XXXX XXXX report. I need all the Bankruptcy information currently showing under my social security number permanently deleted from my credit report immediately. Attached is a copy of the XXXX XXXX and Equifax report.
Consumer complaint received 2018-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Under the Fair Credit Reporting Act, they have violated my rights XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX U.S.C XXXX : A creditor XXXX not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

according to my consumer report I received dated XX/XX/XXXX and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted XXXX equifax or XXXX such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted XXXX XXXX and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : 1. XXXX  XXXX, XX/XX/XXXX of listed late payment 2. XXXX XXXX XXXX XXXXXXXX of XX/XX/XXXX listed late payment 3. XXXX XXXX XXXX XX/XX/XXXX of listed late payment Any information listed on my consumer report must be verified or immediately removed. I am due for a thorough and proper investigation. Please send me any information regarding my request and an updated consumer report showing that the above mentioned demands have been met. As a gentle reminder, this is my first and final attempt at peaceful civil mediation. 
Kind Regards, XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved.
Consumer complaint received 2024-03-05
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: EQUIFAX, INC. (CA)

I have a bankruptcy listed in my credit reports. Sent letter to remove it off of my credit report due to it being inacurate. The court recorder /court house sent me a letter and contacted me and stated they never verify nor give out Information to any companys or credit bureaus. The credit bureau stated they verified my information on XX/XX/2024. Its a violation of FCRA to provide inaccurate information or non verifiable information. And I demand it be removed from my credit reports. Ref # XXXX bankruptcy XXXX  XXXX
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

XX/XX/2021, I always got paper statements on this account. Once I paid it, I didn't receive another bill, but shortly after, I got a 30 day late on my credit report. When I called to check what was going on, they said I had an {$8.00} interest charge on the card that wasn't paid. I begged for this to be removed - there was never a bill stating I owed anything else, as I of course would have paid it. This was such a small amount and this is the only negative mark on my credit report. I have had this card for over 14 years and NEVER been late. I was never notified that I owed anything else and I tried to work with them on this and they wouldn't do anything. To top it off, I paid this card in full during the pandemic. I can't believe i was penalized during this time of crisis in our country. It is effecting me in every way today.
Consumer complaint received 2019-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (NY)

I went in for a credit check with my financial counselor when I noticed a collections account from Hairs & Hairs.With the original creditor being, the XXXX XXXX  XXXX XXXX in the City of XXXX XXXX. I never attended or even been to this place before. My financial counselor sent out a debt validation regarding this debt and we have not heard back at all regarding such debt. This debt is not mine, and I would like assistance with this fraudulent account.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (ID)

Account XXXX XXXX # XXXX Under 15 U.S.C Sec . 1681 I ( a ) you can not provide proof ( Proof being a signed agreement of the two parties to the debt ) then these accounts need to be deleted. That everything in that report must be 100 % correct or it should be deleted. please investigate the following account and remove them if proof is not obtained at a 100 % assurance of factual information.

15 U.S.C 1681 ( 3 ) E states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer or from the consumer.

They also violated my rights numerous times.

According to U.S.C 1681 section 602 A states as I have the right to privacy this has been violated many times by this agency by this account I request they delete and remove it.

According to 15 U.S.C 1681 Section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. Please send proof of my written instructions or delete the account from the report.

According to 15 U.S.C 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. See the Also know as different names different accounts Cause for concern this account is not accurate and should be deleted and removed.
Consumer complaint received 2022-03-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Performance Management, LLC (MI)

I sent out a letter to Receivable Performance Management on XXXX XXXX, 2022, requesting that they cease and desist from communicating with me about an alleged debt, I have attached the letter that I sent. 
I have not received any response and it has been over 30 days, under the FDCPA. This debt collector has failed to comply with the provisions of this subchapter, 15 USC 1692.
Consumer complaint received 2022-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2021 a client of Bank of America illegally cashed/deposited my stolen and tampered with check for {$12000.00}. This check was from my account at New York XXXX Bank. Said check was deposited/cashed without questions or incident at BOA. Check was obviously tampered with. Date was written in very oddly using numbers where they dont belong, signature was traced sloppily, left over residual ink was still on the check from a bad attempt at " washing the check '' and the enormous amount was made out for " school books ''. This check went through Bank of America 's " security '' and as a result I was robbed of some of my retirement funds. Bank of America had a client who was not a real person but a fraudulent account or instead a professional scammer. The lack of due diligence on their part by not inquiring as to the legitimacy of their " client '' and their lack of security measures has caused me, an innocent party, to loose {$12000.00}, a great sum of money for me as I am retired, with XXXX and no husband or children. I am becoming so ill from the stress from this loss that my health is becoming worse. I do not eat or sleep and I will take this story to television media and have Bank of America exposed if they do not restore my full {$12000.00}. I will not accept anything less than my full amount which they have caused me to loose! I have already reported them to several government agencies and I will continue to bring this issue to the surface in social media and television as I am presently in touch with two networks that advocate publicly on television such things for consumers as myself. I am a victim twice. Once by the scammer and another by the largest bank in America... ..Bank of America . This is horrendous what this bank has done to me. I will let New Yorkers and the rest of the country know what this bank has done to me!
Consumer complaint received 2022-02-10
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)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2019-07-31
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. (MA)

I have been disputing late payments on my account with the credit bureau and asked them to show me the method of verification since they continue to update the account after each investigation yet they have not complied with my investigation request. I have not gotten any document showing these late payments are accurate 1. XXXX XXXX XXXX   XXXX Account Number XXXX Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX 2. XXXX XXXX Account # XXXX Late payment XX/XX/XXXX XXXX
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Experian Keeps changing the status of this account from included in bankruptcy on XX/XX/XXXX report to a chargeoff on XX/XX/XXXX then back to included in bankruptcy as of XX/XX/XXXX report now currently back to chargeoff on XX/XX/XXXX without sending me any change of status notification nor proof that XXXX is sending this information to change. Next violation excessive reporting CO for years, XXXX violation reporting a balance on a charged off closed account. There is no bankruptcy so they just take it upon themselves to change the status on your own without any documentation from XXXX telling them to do so. Thats not right and fair. I have requested documentation several times and they have failed to provide me requested documentations from XXXX. This is and old dead account that XXXX wrote off.