davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Vermont Student Assistance Corporation (VT)

I attended Vermont XXXX XXXX obtaining a XXXX XXXX and a XXXX XXXX XXXX in XXXX XXXX from XX/XX/XXXX - XX/XX/XXXX with funding provided through federal and private loans through VSAC. 

I wasn't aware of the Public Service Loan Forgiveness option when I first became a public servant in XXXX, so all of my payments made prior to consolidating all of my loans with XXXX in XX/XX/XXXX were part of PSLF, but not the public service period which covers 36 additional payments not being counted for PSLF. So, that is one problem.

The other issue is with the private loans through VSAC - Vermont Student Assistance Corporation. The original private loan was for {$61000.00} in XXXX when I graduated. I have currently made {$53000.00} in payments. So, assuming the APR was low, I would only have {$8100.00} remaining to pay. But, the VSAC statement sent to me on XX/XX/XXXX has a balance of {$51000.00}, which means if I paid off the current balance, I would be paying {$100000.00}, which is {$43000.00} MORE than the original loan amount. So, VSAC would be earning {$43000.00} in interest on these loans. When I realized this was just a losing game and I couldn't pay any longer, I stopped paying during the Pandemic, and I offered {$15000.00} in settlement of the remaining debt, but they refused to accept a debt settlement amount and stated my only option was to participate in their " Private Loan Rehabilitation Program '', which means no reduction in my overall balance, it just means I have to pay the same balance, which has been growing every month as they add more and more interest, and it just takes longer to pay it off. This not sustainable at all. I can not keep paying more and more every month for a debt that should be paid off with less than {$10000.00}! 

Please help. I am drowning with the VSAC private loans. I want to do the right thing and have tried to pay these loans off, but it just feels like a neverending process. 

Thanks, XXXX
Consumer complaint received 2024-03-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (NM)

Commencing on or around XX/XX/year>, I fell victim to two multi-layered scam operations run by XXXX and XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm ( s ).
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (IL)

In accordance with the fair credit reporting act convergent XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. State 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 1666B A Creditor May not treat a payment on a credit card account under an open and consumer credit plan as late for any reason
Consumer complaint received 2022-04-27
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. (GA)

I believe the reporting credit bureaus are in violation Equifax XXXX And XXXX XXXX stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 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 1681 b
Consumer complaint received 2017-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (PA)

Hello, About 1 month ago, XXXX 2017, I opened a credit card through XXXX credit services, which they promote ad nauseum on their website. When you activate the card the system asks you if you want future XXXX purchases funded with the credit card, or if you 'd like to keep your regular payment method as the preferred method of payment. I chose NOT to have the new credit to be used as a payment method. I then checked my settings to be sure that my credit card would not be used as the payment method. 

When I made my next XXXX purchase the payment went directly to the credit card. I checked my settings again and they were set to have my bank account as my payment method. I made another purchase through XXXX and it went onto the card again, and then a third time. 

I contacted XXXX and they basically said they must have made a mistake, but there was no way to change the purchase method, it was too late! I then canceled the credit card and my regular XXXX account and told them to send me the bill for the balance on the credit card. They have not sent a bill. I have tried to speak with them on several occasions, simply to pay my bill but they say my account has been closed and they are n't able to see anything in my account. I have asked for a bill over and over again and on several occasions, they have hung up on me or transferred to an automated phone system. This has happened many times. 

I opened the credit account in order to build a credit history and had planned on using it very judiciously, now my credit report states that I have opened too many accounts then closed them. This is fraud. What can I do? There are no email addresses or other phone numbers to use to contact XXXX. I fear my credit is suffering through no fault of my own. 

Thank you for any help you can provide,
Consumer complaint received 2021-05-05
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. (TX)

I just received a notice from the CFPB today that your company stated that my complaint on your negligence in reference to the false, incorrect, fragmented information your company is knowingly reporting on my credit report. I notified you that my information was also impacted by the XXXX data breach. 

I feel that at this point based on your refusing to respond within the timeframe detailed out by the FCRA in section 611 ( a ) ( b ) ( c ) it is not only time that I report you to the CFPB but to also XXXX  FTC as well as my States Attorney General 's office. 

First you report information on my credit report that is clearly false ; then when I do send in a complaint to your company to notify you of the incorrect, inaccurate, and incomplete information you are reporting on my credit report you totally ignore me and don't respond ; AND then you have the nerve to say that my complaint was not submitted by me in a attempt to get around the rules. 

I demand the accounts in question be deleted immediately or I will file for a litigation due to the XXXX and emotions XXXX you have caused me. This matter has effect my XXXX  and XXXX  wellbeing and I will seek damages if this matter is not swiftly resolved.
Consumer complaint received 2024-03-20
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

My checking/savings account with Bank of America was closed On XX/XX/2024 with over {$51000.00} in it. I transferred it over from my XXXX XXXXXXXX Account due to the many locations around where I live that I could access my money if needed. Going forward my account was closed all of a sudden and now they will not tell me why even after the account has been fully closed. I am still awaiting for them to send me a check still and they will not say when this will happen. How can they even do this?
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX SS # : XXXX XXXX # XXXX Add : XXXX XXXX XXXX, XXXX, FL, XXXX Last year I froze my experian credit bureau, I thought I had a fraud problem. I removed the hold approximately 2 months later. I was charged one month which I was not aware of and was not charged by the other bureau 's. My complaint is even though I removed my hold ( and the fact that I have not been charged since then indicates they removed the hold ), when I applied for a credit card my experian account was locked so the credit card company can not approve my card. I have been trying for over a week to get through to experian and can not, all I get is a computerized runaround. The computer wants me to supply numbers they gave me to lock the account. I threw these numbers away when I unlocked the account. The other bureau 's are no problem. In short you can't talk to a human and the computerized responses are not adequate. I need my account unlocked!
Consumer complaint received 2021-03-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources (NC)

This is in response to previous complaint # XXXX. First Point Collection Resources is in violation of several consumer rights under 15 USC 1692. I have attached the previous complaint with proof of each violation violated. I am demanding that they XXXX the balance on this account, delete it immediately from all consumer reports, as well as pay the attached invoice for each violation they violated.
Consumer complaint received 2020-09-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lending Club Corp (NY)

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Consumer complaint received 2017-12-21
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: The Thomas Agency, Inc. (FL)

I have sent debt validation letters to the company asking for proof of debt and have yet to receive a reply from any of the letters that I have sent via certified mailed. I first contacted them back in XXXX and recently I have found that they are not authorized to Collect Debt in the STATE OF FLORIDA WHICH REQUIRES THEM TO BE LICENSED, BONDED AND INSURED.
Consumer complaint received 2023-03-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IN)

XX/XX/XXXX XXXX XXXX via XXXX put a temporary hold of {$240.00} on my USAA checking account via debit card ending in XXXX. On XX/XX/XXXX XXXX XXXX debited the actual charge of {$170.00} and {$10.00} additional tip. Total of {$180.00} which is correct. USAA refuses to release the hold of {$240.00} and converted it to a debit. I repeatedly contacted XXXX and USAA beginning XX/XX/XXXX. On XX/XX/XXXX XXXX from XXXX confirmed the {$240.00} was a temporary hold and the amount should have been released by USAA on or before XX/XX/XXXX. I filed a dispute with USAA on XX/XX/XXXX and uploaded to their portal ALL the verification documents, including the XX/XX/XXXX email from XXXX that states the hold should be released and the 7 exhibits of proof. USAA kept saying they were waiting for the merchant to respond. On XX/XX/XXXX at XXXX XXXX ET XXXX from USAA said they had not released the hold and were not removing the debit. On XX/XX/XXXX I spent {$53.00} and overnighted all documentation to USAA including the 7 exhibits of proof. I reopened the dispute number XXXX with XXXX on XX/XX/XXXX. On XX/XX/XXXX I called USAA at XXXX XXXX to cofirm receipt of the overnight package and they do have it. I was told it will take another 7-10 days to review the dispute.

Based on the proof, USAA should have immediately charged back the {$240.00} to the merchant AND now they should also reimburse the overnight fee of {$53.00} I paid to XXXX 
There were NOT two grocery orders and thus there are not two receipts for goods/services. 
My husband is a XXXX Veteran & this is causing he and our family mental and financial stress.
Consumer complaint received 2020-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I received a letter dated XX/XX/2020 informing me that my credit limit had been lowered from {$10000.00} to {$5000.00} due to not using enough of my credit limit. Then subsequently received 2 days later from Capital One that my credit score dropped 31 points! Looking up what lowers your credit score is credit limit decreases. I called and asked them to restore my credit limit in order to keep my credit score what it was previously and was told, " that is not possible. Capital One swept across the board with decreases for people who were not using their credit limit. '' Due to the Covid pandemic, I have not been able to travel or do much spending in order to stay home and stay safe. This is an unfair practice to have the ability to lower my credit score from  over 800 well below 800. 30 points is a lot! I hope something can be done about this! These companies have power over my credit score with me doing nothing to cause the change. If nothing can be done to raise my limit, I hope someone makes laws that make it so they don't have this control over my score without me doing anything! This is very upsetting and can cause my insurance to go up as well as raise the interest rate I would be able to get for other loans as well. This is detrimental to the public as a whole and especially to do this sweeping change during a pandemic is ridiculous!
Consumer complaint received 2024-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HEARTLAND FINANCIAL USA, INC. (TX)

My debit card was used without my permission, twice locally and once XXXX miles away. I filed disputes with my bank concerning these transactions. The one that was XXXX miles away was allowed, and the two local charges were denied. I told the bank that, " as far as I knew, '' the card was in my possession ( in my desk drawer ) and that I never carry the card with me. The bank did send me a replacement debit card and customer service advised me, since I claimed the card was in my possession that I should file a police report naming my wife and stepdaughter as the unauthorized users. It should be noted that all three transactions were " point of sale, '' transactions where one was found in my favor and two were denied. My bank also refused to answer my complaint to XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-29
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. (NY)

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX  Bankruptcy Reference # XXXX Asset Amount : {$0.00}, XXXX XXXX Date Opened XXXX XXXX  Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2021-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (FL)

I was sent a collection notice from Monterey Financial Services representing XXXX XXXX XXXX for a debt of over {$10000.00}. I informed XXXX XXXX this was not my debt but that of my spouse XXXX XXXX and I had no financial responsibility for this debt. I asked them to please remove the derogatory mark on my credit reports and to cease all collections. They first responded this debt would stay in collection and go after me but it would be sent to a supervisor for review and I would be contacted in 7 days. This was in XXXX, it is now XXXX. I contacted them again telling them to remove this from my credit report as it is causing big problems with me trying to obtain a mortgage, but there is no response or anything done.
Consumer complaint received 2021-07-13
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. (NJ)

On XX/XX/2021, I sent letters and proof to the company to let them know that the bankruptcy on my credit report needed to be removed following the evidence and also after being told by the clerks office that they do not report bankruptcy 's to the credit bureaus. I have submitted 2 letters exactly as the federal trade commission has advised me and yet I am still not able to get the accounts as per law. I demand that the bankruptcy be removed as I have provided all evidence required by law to remove said item. Respectfully Submitted - XXXX XXXX
Consumer complaint received 2020-09-06
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. (NC)

On XX/XX/XXXX, a collection agency in Arizona named XXXX XXXX XXXX opened on my credit file with an original balance of {$1000.00}. In XX/XX/XXXX, this same collection agency, along with the original balance was included in my chapter XXXX bankruptcy filing with a plethora of other collection agencies. After my bankruptcy was discharged and completed in XX/XX/XXXX, that collection as well as, all the others weren't listed on my report anymore due to the bankruptcy. 2yrs later, on XX/XX/XXXX, this same collection agency reposted this collection onto my credit report, listing the original balance again of {$1000.00}. I received notice of that and I disputed it and reminded Experian that it was included in my Chapter XXXX from XX/XX/XXXX and it should not be allowed to be reposted to my credit file. Had they done their homework and a thorough investigation, they would have seen that the collection agency/balance that was on my credit file from XX/XX/XXXX, when it was originally opened, was part of my bankruptcy filing. The attorneys pulled my credit report when I filed, again in XX/XX/XXXX with all of my collections including this one. After I disputed with Experian, the collection agency was allowed to repost the same collection on XX/XX/XXXX, and the amount increased from {$1000.00} to {$1300.00}. Also, on XX/XX/XXXX the Dept of Education posted LOAN PAID And, the same day, Experian  decreased my credit points by 20 ... absolutely no reason for that. Something's wrong at Experian, please investigate. Incompetence shouldn't be allowed when dealing with consumer 's personal important affairs such as this. Thank you
Consumer complaint received 2021-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MT)

I recently reviewed my Equifax Credit Report & observed hard hit inquiries that I don't recall authorizing. Therefore, I need Equifax to remove the following inquiries from my Equifax credit report immediately. The following multiple hard-hit inquiries are having a negative effect on my credit score, credit worthiness, & acquisition of credit. I have sent Equifax a letter with the hard-hit inquiries reflecting on my credit report that I don't recall authorizing & Equifax has failed to address this urgent matter & not even respond to my letter. Furthermore, in my letter to Equifax I requested that during their investigation if they were able to confirm I authorized the card hit inquiries to please send me a copy of the credit application that was signed & dated by me. 

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