davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-22
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (MO)

I feel that towards the middle/end of my school career, my student loan officer did not assess my ability to repay the loans properly and that my accumulated loan debt was not factored into the calculation. With the high interest rates of the loans, the accumulated loan debt, the amount of time/number of classes I had left to complete my degree and the type of degree I was working towards - there 's just no way I could graduate and make the kind of money required to be able to comfortably pay off the loans. I would have had to forego basic necessities to be able to afford the loan payments. I was just to naive at the time to realize the student loan impact at the time.
Consumer complaint received 2023-03-28
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)

XXXX XXXX Home Mortgage put us on a payment forbearance plan that started XX/XX/22 and ended that XXXX. We were advised that due to a medical hardship, we did not have to make any payments during that time ( see attached documents ). When the time came to pay, rather than the payments just picking up again, XXXXXXXX XXXX now considered us as months past due. Whereas they had, in writing, advised that no payments were to be made, they actually were counting each of those agreed upon months as past due. We have disputed both through the credit reporting agencies and with XXXXXXXX XXXX to have the past due payments removed from our credit report, but XXXXXXXX XXXX continues to say their reporting is valid.
Consumer complaint received 2016-08-09
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (FL)

I WAS LOOKING AT MY FREE ANNUAL CREDIT REPORT, AND I MADE SOME DISPUTES, AND WHILE LOOKING, I GOT LOGGED OUT -- DELIBERATELY THIS SCUM. I HAVE A RIGHT TO ONE FREE ANNUAL CREDIT REPORT, AND HOW DARE THEY PULL THE NONSENSE. I SAW PROBLEMS, AND DISPUTED, AND THEY KNOW KNOW KNOW KNOW THEY ARE MAKING HUGE MISTAKES, BREAKING THE LAW, SO THEY WANT TO LOCK PEOPLE OUT. 
I FOLLOWED THEIR ONLINE INFORMATION TO " CONTINUE VIEWING YOUR CREDIT REPORT '' HOWEVER, IT WILL NOT LET YOU -- GET TO THE LAST PAGE, THEY WANT 1 ) MONEY 2 ) MAKE YOU JUMP HOOPS BY NOW HAVING TO WAIT FOR THE MAIL. LOOK, I SAW IT ONLINE, I AM UTTERLY BLOWN AWAY THESE XXXX HAVE THE NERVE TO LOG YOU OUT AND MAKE IT A XXXX BECAUSE YOU FIND MISTAKES. 
I WAS NOT FINISHED. 
THESE COMPANIES LEADIGN WITH XXXX ENGAGE IN SO MUCH LAW-BREAKING ACTIVITY AND SO LITTLE IS DONE. IT 'S HIGH TIME CONGRESS CHANGE EVERYTHING AND START HOLDING THESE XXXX, EXPERIAN AND XXXX ACCOUNTABLE. 
ALL THEY WANT TO DO IS FORCE YOU TO BUY THEIR " PRODUCT '' THEN THEY WILL FOLLOW THE LAW. 
THAT IS EXTORTION. 
EXTORTION IS ILLEGAL. 
I WANT MY CREDIT REPORTS. IT HAS BEEN A YEAR AND ONE MONTH.
Consumer complaint received 2023-03-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I submitted a request for transfer from my Bank of America checking account for {$4100.00} to XXXX XXXX XXXX XXXX to be deposited into their clients XXXX XXXX account. The money was transferred via wire on XX/XX/XXXX. The money was deposited by XXXX XXXX XXXX XXXX  into XXXX XXXX account on XX/XX/XXXX. The transfer was intended for XXXX XXXX, client of XXXX XXXX. XXXX XXXX XXXX XXXX  has record of deposit of the transfer into XXXX XXXX account. Bank of America submitted a trace and I was informed on XX/XX/XXXX the funds were not retrieved. Bank of America closed the case. Upon my repeated requests the case was escalated to BofA fraud department. XX/XX/XXXX I was informed BofA once again declined further responsibility to reclaim the funds stating the XXXX XXXX XXXX XXXX  has not responded to their inquiries.
Consumer complaint received 2021-09-03
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. (CA)

In late XXXX to early XXXX, XXXX, my Experian account was hacked and my debit card info stolen. During this time, the subject attempted to apply for several loans and credit cards and was able to open one with XXXX XXXX After I obtained access back to my Experian account, I placed a fraud alert. I was not notified of the XXXX credit card account until XXXX  XXXX once it popped up on my credit report. It said that this account owed nearly {$10000.00}. I did not apply for this account and contacted XXXX. I sent them the requested documents to their claims department as directed by the employee. Its been three weeks and I havent received a response even after sending several emails and voicemails requested a reply. This fraudulent account has also resulted in approximately {$3500.00} being withdrawn automatically from my checking account. I have received zero assistance from XXXX XXXX regarding this fraudulent account.
Consumer complaint received 2017-04-29
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. (DC)

I requested that Equifax,  XXXX ,  XXXX  remove a judgment  XXXX  on my credit report, whereby this judgment has since been paid and it was vacated in Ma ryland ( c ourthouse ). However, as of  XXXX , this judgment still remains on my credit report. I made a second request to Equifax,  XXXX ,  XXXX  on  XXXX , requesting that the credit reporting agencies remove this item.
Consumer complaint received 2020-10-19
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. (OH)

I have contacted Equifax a few times to solve this issue and they have not solved this, i keep getting the runaround i need this fraudulent inquiry off my report i did not authorize lowes or anyone to apply for a credit card in my name!
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CT)

I am writing to formally file a complaint against Equifax concerning their failure to address the inaccuracies on my credit report, despite my efforts to rectify the situation. 

On XX/XX/XXXX, I mailed a dispute letter to Equifax via USPS certified mail with tracking # XXXX XXXX XXXX XXXX XXXX XXXX, requesting an investigation into inaccurate items on my credit report. In addition, I disputed incorrect personal information listed on my credit report. These inaccuracies have adversely affected my financial standing and credibility. 

Despite my compliance with the Fair Credit Reporting Act ( FCRA ) guidelines and providing all necessary information, Equifax has failed to acknowledge or act upon my dispute within the legally mandated timeframe. 

I did not receive a response back from Equifax with the investigation results. 

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

It appears that Equifax has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. 

I am seeking prompt intervention from the Consumer Financial Protection Bureau to compel Equifax to conduct a thorough investigation into the disputed items on my credit report and to take necessary corrective action as per the FCRA guidelines. 

I am including a copy of my dispute letter sent to Equifax as proof. I am now demanding Equifax immediately and permanently remove the disputed items from my credit report.
Consumer complaint received 2020-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In XX/XX/2020 I filed a dispute with this credit bureau about the unverified account XXXX XXXX  account # XXXX In those 2 months I have asked numerous times for a response and I have not received anything in response from this bureau in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these XXXX unverified accounts as of today. Thank you
Consumer complaint received 2016-08-20
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IL)

I applied for a loan at springleaf finance and received an email that I was approved for {$5000.00}. Per the email approval it was only dependent in employment verification, income verification and identity. 
I delivered everything they asked for then was told I was denied based on credit. The email they sent was deceptive. As obviously they was some other criteria it was dependent upon. I am happy to provide the email approval and the other they email they sent stating it was based on credit. 
They were specific in their approval letter and I was denied based on something else. I find their actions deception and misleading.
Consumer complaint received 2015-04-06
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Farrell Holdings, LLC (NV)

I did not know of predatory lending and was given a loan even though my income was not enough to cover the monthly payments and sustain daily living expenses. I have paid {$400.00} a month for 2 years and still owe the same amount in which I purchased the car for. I was also asked to pay a {$2000.00} down payment and it was not applied to car.
Consumer complaint received 2022-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (IN)

I traveled to XXXX. On XX/XX/XXXX during the trip, a vendor/employee used an extra XXXX machine to charge my card for {$480.00}. I did not know of the charge until a few days later when looking at my account. I called immediately to dispute the charge, and even gone through the appeal. They state that because I had valid charges after the fraud, it was not fraud. I explained that I was unaware what was done until after I used my card several more times. I have requested the credit card company provide me a receipt. They have given me the run around on getting a receipt. If they don't have a copy of my signed receipt, how can they know it was me?
Consumer complaint received 2021-06-03
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: JPMORGAN CHASE & CO. (IL)

Chase dispute services claims the requested fax was not received. On two separate occasions a fax had been sent to the number provided. The amount in dispute XXXX was reversed XX/XX/2021. The second attempt to dispute the purchase reversal occurred XX/XX/2021. The original purchase date is XX/XX/2021, that includes an overlapping purchase. To which, only the book purchase was desired : not a book with monthly subscription and webinar for the above price. Chase and the merchant were contacted directly in an effort to resolve the dispute.. 


XXXX and XXXX XXXX XXXX issues has not been addressed. As stated, in a prior message Chase refused to permanently reverse the XXXX charge. They did communicate about the duplicate charges. However, the CFPB did not achieve the result sought. Which is duplicate charges acknowledgement and reversal. 

That leads us back to ( XXXX  ) our merchant in question, owing a book ( duplicate ) and upcoming conference stream to purchaser. We regrettable ask that Chase and the CFPB, evaluate our claim again. The merchant has been contacted once again and states they can no longer reverse the errant charge.
Consumer complaint received 2024-02-26
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Commencing on or about XX/XX/2020, I fell victim to a multilayered scam operation orchestrated by XXXX  ( website : XXXX  ) ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account, and through an intermediary named XXXX in the total amount of XXXX USD utilizing Bank of America services.
Consumer complaint received 2022-09-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AZ)

Due to the pandemic, the public is entitled to free WEEKLY credit reports from Equifax, XXXX, and XXXX. At the site recommended by the CFPB, XXXX XXXX XXXX, I am unable to obtain an Equifax credit report online. This is due to the " security questions '' that are posed -- Equifax must have erroneous answers to some of these questions. This forces me to request my credit reports through the mail, and I send my requests certified with return receipt due to the confidential nature of the request form 's contents. This costs {$7.00}. I am at risk for identity theft due to a transgression by XXXX, and I need to request my credit reports frequently. 

On XX/XX/2021 I sent ( via certified, return receipt mail ) a complaint letter to Equifax concerning this matter, as my pandemic budget did not originally include {$7.00} every time I want to check my credit report. Equifax never acknowledged the screening question issue, instead sending two copies of my credit report that I'd requested previously through certified, return receipt mail. This did not solve the problem of the company 's online screening questions having erroneous answers and serving as a barrier. I am still stuck having to pay {$7.00} to obtain what I should be able to get online for free.
Consumer complaint received 2024-02-26
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. (SC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-02-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (MN)

I closed the mortgage for my XXXX Minnesota house on XXXX XXXX, XXXX with XXXX. On XXXX XXXX, XXXX I was notified that my mortgage servicing company will be changed to RoundPoint Mortgage Serving Corporation ( RPMS ). 
An initial Escrow amount of {$2500.00} was deducted from my loan proceeds. 
Starting with XXXX XXXX, XXXX due I have paid {$580.00} ( PMI {$87.00}, Home Insurance {$73.00}, and Real Estate Tax {$410.00} ) each month for the Escrow account. 
As of XXXX XXXX, XXXX after my XXXX payment my Escrow account has a balance of {$5300.00}. 
Since XXXX XXXX there has been monthly payment of {$87.00} made late every month for the PMI premium. 
XXXX/XXXX/XXXX - XXXX/XXXX/XXXX Home Insurance premium was paid and deducted from my loan proceed on XXXX/XXXX/XXXX. Next Payment of about {$880.00} is due XXXX XXXX. RMPS has it scheduled for XXXX/XXXX/XXXX. 
On XXXX/XXXX/XXXX {$160.00} was paid by RPMS for the 2nd half XXXX Real Estate taxes. My County latest estimate of XXXX RE taxes is {$3700.00} due {$1800.00} on XXXX XXXX, XXXX and {$1800.00} due on XXXX XXXX, XXXX. RPMS has scheduled payments of {$2500.00} on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. 
As it is indicated from the start my escrow deduction has been very excessive and the balance as of XXXX/XXXX/XXXX is almost enough for the total XXXX actual payments of {$5600.00} ( PMI {$1000.00}, Home Ins {$880.00}, and RE Tax {$3700.00} ). 
According to your site the Escrow withholding can not be more than 2 month of the actual payment, in my case {$120.00} in XXXX ( {$440.00} form PMI and XXXX for RE Tax / 5 month ) and {$470.00} in XXXX. 
I have made every monthly due on the 1st day of the month ( Due date ). 
I am requesting your help / or directing me to the proper authorities to correct this unjust situation and have the RPMS pay me back the illegal additional escrow balance plus interest and penalty and to adjust the XXXX escrow withholdings immediately. I recently requested a Escrow analysis on RMPS site but have not received any responses from them. When I called their ( XXXX ) office few month ago several times I could not even get an agent that could comprehend my issue and they were confusing the Principal and Interest Payments with the Escrow account. 
Best Regards, XXXX
Consumer complaint received 2024-02-26
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I'm desperately appealing for the removal of this mixed up late installment from my record. My predictable history of opportune installments goes against this section, which is causing me pointless. I encourage you to address this blunder by refreshing my record quickly.
Consumer complaint received 2015-08-19
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc. (IL)

I requested copies of the original contract with the original creditor in a dispute letter to GM Financial on XXXX XXXX 2015. I also requested a copy the repossession of a vehicle connected to the account, the bill of sale for the repossessed vehicle, verification the sale amount had been applied to the account and an accounting for all payments and charges assessed to the account. The creditor has failed to provide the verification that proves the validity of the account they have listed on my credit reports. They have not even acknowledged my request. Per the Fair Credit Reporting Act if verification can not be provided upon request then the account is supposed to be deleted from the consumers credit reports.
Consumer complaint received 2015-04-08
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (ME)

I graduated from the University of XXXX XXXX County in XX/XX/XXXX with a XXXX. I worked in my field for 6 years until I came down with a devastating XXXX in XX/XX/XXXX which leaves me unable to work and in the hospital several times a month with life threatening XXXX. I am receiving Social Security XXXX Insurance and XXXX through my former employer which is around {$20000.00} a year. My out of pocket medical expenses are between {$12000.00} and {$15000.00} a year leaving me with barely any money to survive on. I am also on a very expensive, strict diet which costs me over {$400.00} dollars a month as I am allergic to most foods. I have several private loans and most of them have either forgiven my loans all together or have applied all of the interest I have paid the last 9 years and have significantly lowered my principal and monthly payment to an affordable amount. American Education Services is the only lender who will not work with me. They are stating that I have no option for XXXX forgiveness and have informed me my decreased payment of just paying interest will be soon ending sending my monthly payment from {$170.00} a month to over {$400.00} dollars a month. I have used all but two months of my forbearance with this loan and I have asked for an account review to make an exception and significantly lower my payment due to the rarity and severity of my disease, but they will not work with me at all. I need help. I am just trying every day to continue to be able to afford my life saving medications and treatment and the stress from this is overwhelming. I have been paying on this loan for almost 9 years and have NEVER missed a payment and have used almost all of my allowed 12 month forbearance.