davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MN)

After graduating from XXXX XXXXl & reaching the end of the repayment grace period, I consolidated my student loans in XX/XX/XXXX. That left me with two loans - consolidated unsubsidized loan and a consolidated subsidized loan. I have worked in qualifying employment for the public service loan forgiveness program my entire adult life and every day since since my first eligible payment in XX/XX/XXXX. I've only had two employers during that time, both are non profits. One is a XXXX XXXX XXXX and the other is a XXXX XXXX. I have tried to turn in employer certification forms annually or fairly regularly to ensure certification.

I have made made every payment except five months where payments were not made because my servicer ( s ) required me to take a forbearance so they could process paper work or transfer my loans between services. Of course, this adds another 5 months or separate monthly payments on the the end of 120 repayment obligation through no fault of my own. To the best of my knowledge the months that I was required to take a forbearance were : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX, and XX/XX/XXXX. I believe that the XXXX forbearance was cause the company XXXX, who may have been my servicer at the time and the rest were compelled by XXXX who may have taken over my loan on or about XX/XX/XXXX. 

Determining what organization serviced my loan at what exact time leads to the second issue of my complaint. In addition to be forced to delay making qualified forbearance through delays in paperwork process and loans transferring described above, I've been asking XXXX for an accounting of every payment that I have made since XX/XX/XXXX and a determination of whether each payment qualifies for the PSLF program. It is XX/XX/XXXX and I still don't have that. I was given a record of payments since XX/XX/XXXXseveral times. I've been told I was in default ( which was never true ). I've been told that there were no records before XX/XX/XXXX. I've been told that I had previous servicers and they went out of business so there are no records any more. I've been told that their record review is inconclusive. I've asked the NSLDS who my previous servicers are and contacted them myself. One promptly mailed me the records, the other said they turned everything over to a different servicer and didn't retain any record of me at all. My bank statements list the withdrawal from the Department of Education, but not XXXX in name back in XX/XX/XXXX & XX/XX/XXXX. XXXX XXXX got 3 payments in early XX/XX/XXXX before transferring to XXXX. They mailed me their records, but they also list at the Department of Education on the withdrawal transaction with my bank. The bottom line is that XXXX has me at 62 qualifying payments for PSLF when I should be around the 80 mark ( or higher if not for the forced forbearance months ) and they can't produce a complete records of payments made or their eligibility for PSLF after being asked for 4 years.
Consumer complaint received 2018-06-21
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. (NV)

I have an issue with EXPERIAN. My credit records exceed 20 years and I have never had an issue with a mortgage, a loan or a delinquency, and I keep a very small credit card balance. I never paid late my credit card bills, since all my credit cards are on autopay and get paid in full before the due date. As my credit score at XXXX and other credit agencies are well above 800, my credit score at EXPERIAN has remained fixed at XXXX for years. I checked the records submitted by EXPERIAN and they all show that I always pay on time. I contacted Experian for an explanation, and I was told that they are using a different method of calculating the score than the others. However, when I tried to use EXPERIAN 's score simulator and configured it to simulate that I pay all my credit card bills on time, it updates automatically my credit score to XXXX. Since all the other credit score companies are showing similar numbers, there must be a glitch with EXPERIAN 's system that results in lowering my credit score. Since Experian does not want to do anything about it, I am kindly asking for your help to resolve this issue.
Consumer complaint received 2015-09-07
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (VA)

I applied for a Best Buy Credit card. 
I was denied by CITIBANK. 
I was not aware that I was applying to CITIBANK, I subsequently discovered that Citibank was mention on the app in mice print as the " issuer '' of the card. No identified as the " decisioner '' If i was aware, i would not have applied. 
I wanted to apply for a Store Card, not a Bank Card as their criteria for acceptance is generally lower and they do not usually do a HARD inquiry on my credit. 
Immediately ( with 1 minute ) I called Best Buy/Citibank and requested that my application and subsequent HARD inquiry on my XXXX credit file be withdrawn. 
I spoke to XXXX different operators/supervisors (? ) was told that " the SYSTEM has already DECISIONED my application '' and it could not be manually removed.
Consumer complaint received 2016-02-22
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: Paypal Holdings, Inc (MA)

I 've been a loyal customer with Paypal for over 12 years and would like to remain so if this is issue is resolved. Paypal charged my credit union twice when I never authorized them to. My credit union charged me XXXX overdraft fees costing me {$52.00} because of their actions. I will like Paypal to please have the courtesy of resolving this issue by calling me directly and paying for this over draft fee because of their actions.
Consumer complaint received 2020-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

To Whom It May Concern, I was looking through my credit report the other day on XX/XX/XXXX. I noticed there was 2 inaccurate hard inquiry 's on my file. On XX/XX/XXXX I called each company to see if I had an account with them in anyway they both said no so I asked them why it's there and there customer service reps were basically saying it should be removed however due to corona virus there is nothing we can do at this time. These are the 2 that i never authorized, never gave anyone any permission and is clearly 100 % fraud XXXX hard inquiry from XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX they could not provide any proof that I have any such accounts with them. I asked to see proof nothing was given.
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX  and Transunion are incorrectly reporting that I am ( 30-60 ) days late on the XXXX partial account number XXXX. ( Please see pages attached from my credit report, along with a copy of my Drivers License and W-2 for identification purposes to proceed with the investigation of my complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-10-13
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. (TX)

My most recent dispute with Experian resulted in a public record being verified. During previous disputes I have asked for supporting documents and proof to validate their decision. I stated that the public recorded that is reporting on my credit report is not mine. The previous investigation did not meet FCRA. I was not given the documents that I request to prove this was a proper and thorough investigation. I am demanding all original documents from the original furnisher such as documents containing my signature, contracts, and or signed agreements. Also Im demanding documents used to determine your decision in this investigation such as address, phone numbers, dates, times, and name of person that your company communicated with to verify such inaccurate information. I would like this information within 15 days. 
US BKPT CT TN XXXX
Consumer complaint received 2020-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (CA)

I Purchased a new furnace and AC unit from XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX CA XXXX on XX/XX/XXXX in the amount of {$13000.00}. 
I was not advised that the loan that XXXX promoted through Synchrony Bank ( XXXX ) was a " Deferred Interest Bomb loan. " They encouraged me to use this loan, when I had plenty of alternatives via credit unions with low interest. I trusted their recommendation. They did not disclose to me any of the exorbitant rates or deferred interest penalties. Assume they just wanted to sell me the merchandise without concern for the bank 's known unscrupulous methods. I now see this bank has that track record. 
At the end of the recent loan period, they just added {$6800.00} to the original balance. This is almost 50 percent of the cost of the original furnace/AC. 
Yesterday, I paid off the residual balance to Synchrony Bank ( principal only - not the interest ). The interest rate they are charging is 26.99 percent. Also, they calculate the interest going back to the beginning of loan period - and charge that rate on the entire beginning balance. 
I learned about this yesterday, I was paying the monthly amounts electronically. Since I chose to avoid monthly statements, I was paying all amounts electronically. 
Note : If they had sent me a balloon payment balance of what was left, I would have realized it and paid it immediately. This is extremely deceptive. They deliberately keep the customer in the dark. This also occurred just when the COVID lockdown started in California. 
I received no warnings or alerts of the end of the 18 month period. 
Note : This ending period of the loan fell squarely into the first month of COVID XXXX - XX/XX/XXXX. 
I had recently lost a family member. I have perfect credit and carry no credit card debt. 
I also never saw any warnings or alerts - As soon as I noticed the balance changed ( it jumped up considerably ), I tried to reach the bank, but I could NOT reach the bank ( assumed due to COVID ) I continued to try to reach the bank. I tried using the chat tool, and that also was not working. 
I would be OK paying a reasonable amount of interest, but almost XXXX is deplorable. 
I would prefer to settle fairly with the bank and avoid litigation.
Consumer complaint received 2023-02-19
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

XXXX XXXX XXXX I found out that somebody open a fraudulent account with USAA in 2013 acct number XXXX and it was charged off. I sent USAA Documents and disputed this Bank account that wasn't mine. I sent in a police report fraud addavit and signatures of mine in front of a notary USAA DID NOT DO A FULLY INVESTIGATION On this matter. They notified me within XXXX weeks that it was verified mine which was a lie.
Consumer complaint received 2018-06-21
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. (AR)

XXXX XXXX XXXX 5 accounts are reporting inaccurately.

The following were transferred to the XXXX XXXX XXXX/XXXX/XXXX  and was paid, closed, never late.

XX/XX/XXXX- {$2600.00} XX/XX/XXXX- {$1300.00} XX/XX/XXXX- {$3500.00} XX/XX/XXXX- {$3300.00} XX/XX/XXXX- {$980.00} These accounts are showing to be considered negative and at the same time showing in good standing.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (VA)

I was notified by XXXX that my address had been updated by Equifax. I would like to see my Equifax credit report to determine what address has been added, so that I can correct it. However, I can't obtain my Equifax credit report. I am able to obtain XXXX and XXXX, but I get an error message whenever I attempt to obtain my Equifax report, which is suspicious and concerning.
Consumer complaint received 2018-02-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (GA)

Paypal allowed a fraudulent charge to occur on my account. I called the credit card company and they fixed the issue. Paypal locked my account down. I then submitted documentation on XX/XX/XXXX. The information has not been enjoying reviewed and my account remains locked. I have sent over ten emails and have gotten Zero Response. This violates banking codes of ethics and US Codes regarding access to accounts. XXXX is unable to access this account for payment causing undue harm and distress.
Consumer complaint received 2020-04-21
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. (GA)

Hello and humbly thank you for your support and or assistance. It means a lot to have you working during this crazy time in our country. I'm a little emotional as I type this complaint because I do not complain about anything. Last year XXXX  I began to question the accuracy of the reporting on my credit report due to a bankruptcy listed on my public record. I followed a strict process to doing what the law requires as to validating this information. XX/XX/2019 I reached out to ask The United States Bankruptcy Court XXXX District of Georgia clerk office if they have anything to do with sharing information with the bureaus. They responded to me that they do not report anything to either Transunion, XXXX, or XXXX. They do not report to any third party sources anything about the status of a persons public record pertaining to bankruptcy 's ; however, XXXX  transunion as well as XXXX  have all stated that their reporting is accurate. The challenge is XXXX  is spelling my name 100 % incorrect on my report and I have addressed this with them before. I have all of the certified letter receipts from mailing them off. I must have mailed 30 letters of the same matter with little to no results. With that in mind it would be impossible for these companies to state they have verified this reporting as accurate when the clerks office can not and will not confirm or deny the claim as a first hand source. Its been almost a full year that they have been breaking the law ... I have requested time and time again sending them the proof of what the clerk office sent me to show them that it is  impossible that they can use their 3rd party source as accurate. Also XXXX  matches my social with a name that isn't mine.
Consumer complaint received 2023-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCS, Inc (IL)

This complaint is about a debt collection agency noll collection in XXXX XXXX iowa, XXXX noll an attorney is reporting a false amount of debt on my credit report even though XXXX XXXX XXXX of south dakota judge discharged the their claim of amount we owed to a rental apartment XXXX at XXXX XXXXXXXX XXXX  where i lived for 4 years .noll collection is still reporting imaginary amount of XXXX dollars on my and my husband s credit report even though ordered by court that we dont owe them this amount. 
I paid her court fees and what ever was ordered by judge. 
Now this is unfair that noll collections lawyer XXXX noll is still reported a closed account new just to hurt my credit exactly at time when i applied fir home loan.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Delete this account. 

5. The following personal information is incorrect Account Number : XXXX : XXXX XXXX XXXX XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2020-07-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX   XXXX, XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/2023 I used my Chase debit card to buy {$130.00} worth of clothes from XXXX website. I used the XXXX payment installation plan where I would pay about XXXX $ a month until the amount was paid off. I was excited for my clothes, when I shopped online for them I spent 2 days looking through all the clothes and looking at size guides and reviews of other clients who previously bougth the same product and described their body to be like mine. I followed XXXX size guide. When I received the items and tried them all on I was depressed that there was nothing that fit as described and the outfits alone are not even the same material they describe in the website. So I returned the items ( order for return from XXXX is # XXXX and my USPS tracking number for the clothes I returned is # XXXX ) I have called my bank and they claimed they only can recover up to XXXX $ per year for me in transactions and I aparently exceeded that- never had I heard of this before nor until this year have I used the services of my bank to request my money to be recovered. I reached out to XXXX to have them release the funds to my bank they laughed at me and refused and told me to call XXXX XXXX XXXX has only an email to reach out to and they said they will not help release my fund back to my bank and they also have my items i returned. Now XXXX is trying to send the rest of the money I " owe '' to a debt collection agency when I dont even have the products I SPENT that money on!! I have reached out to XXXX and filed a complaint on XXXX but they are a huge entity and likely not to return the messages. I want my cash refunded back and I also want my credit to be repaired if they did send my debt to a collection agency. I am not sure what else to do at this point I want to take legal action but the amount of costs is so small I am unsure anyone will take me seriously.
Consumer complaint received 2020-03-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (NC)

I had been making payments using Ally Autos auto pay system for about a year and a half. XX/XX/2020 it stopped working. I spoke to them and was told that the issue was resolved. XXXX my payment didnt deduct from my account and by time I realized it I was charged a late fee. I contacted them again and was told that my Auto Pay account was fixed and would start back up in XXXX. I was told that the late fees would be waved for XXXX. I am charged {$4.00} every time I make a payment by phone, so I am being penalized for their online service not working properly. XX/XX/2020 I checked my account and the payment for XXXX wasnt taken out and I owed {$46.00} in later fees. I asked how did I owe that much and was told it was for XXXX and XXXX. I have reached out every day from XX/XX/XXXX until XX/XX/2020 about these fees and have been told that they will be waved by the end of that day. To this date they still have not been waved. I have been promised that someone from their customer service department would be reaching out to me in one to two business days and it has now been almost 5 business days and no response. I have contacted them through XXXX, XXXX, and Allys own secure email site ; but have received no response regarding a solution to my issues. Attached is the message I receive every time I try to make an online payment.
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I have asked Equifax and XXXX to remove this account from my report, as it was result of ID theft. I have asked the bureaus previously but it still reporting until now and affecting my scores and files tremendously. I need help to get this item removed from my file. 

XXXX XXXX XXXX