davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

I'm being inappropriately being denied Temporary Expanded Public Service Loan Forgiveness ( TEPSLF ) ( passed under The Consolidated Appropriations Act, 2018 ) by Fed Loan Servicing and the Department of Education. I have had years of miscommunication regarding the original Public Service Loan Forgiveness program and found that that I qualify under the TEPSLF I requested that Fed Loan Servicing conduct a
payment audit in XXXX XXXX to document my payment history and received that documentation outlining all payments.

I received official documentation from Fed Loan Servicing in XXXX XXXX that acknowledged that I needed seven more payments to qualify for the TEPSLF, therefore I made payments ( some credits earned during Covid forbearance ) and received credit and reapplied to the TEPSLF in XX/XX/XXXX after meeting the requirements previously stated to me in writing by Fed Loan Servicing in XXXX XXXX and today the Department of Education sent me an email stating that in XXXX there were 12 months of payments that were made while my account was in forbearance and because it was in forbearance those payments will not count. I don't recall putting my accounts in a year forbearance, I think this was done in error by the servicer because why would I continue to make payments on an account that was in forbearance. Also Fed Loan servicing did an audit of my payment history and communicated that seven more qualifying payments were needed. I satisfied that requirement as outlined in the XXXX XXXX Fed Loan Servicing Letter and the loans should now qualify under the TEPSLF. I received a new official letter today ( XXXX XXXX, XXXX ) stating that I need eight more payments. I have NO confidence in any information I receive from Fed Loan Servicing because last year ( XXXX XXXX ) they said I need seven more payments, I made those payments and now ten months later they say I need eight more payments. They keep moving the finish line ; this is unfair and deceptive practice and serving mismanagement and incompetency at best.
Consumer complaint received 2017-09-16
Product: Credit reporting, credit repair services, 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. (PA)

I tried to obtain my Equifax free online annual credit report today due to the recent announcement that Equifax 's consumer data was stolen. Equifax was not able to produce the online report ; the other XXXX agencies provided me their online credit reports.
Consumer complaint received 2023-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

RE : INQUIRY REMOVAL While checking my recent credit report. I noticed unauthorized credit inquiries made by the following company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give TransUnion permission to furnish this information onto my credit report. 
This is a violation of the FCRA Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights.

Please validate this information with this company and provide me with copies of any documents associated with this account bearing my signature, authorizing an inquiry.

I also demand of any such documentation bearing my signature, I formally requested that this unauthorized inquiry be immediately deleted from the credit file you maintain under my social security number.

Please note that you have 30 days to produce the requested contract and to complete this investigation, As per the fair Credit Reporting Act Section 611.
Consumer complaint received 2021-08-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NC)

I audited my credit reports, saw that this company, National Credit Systems reporting an alleged debt on my reports. Never have I received a dunning letter from this company, and never have I done any business with them. I sent them a certified letter on XX/XX/XXXX demanding that they validate this alleged debt. As of XX/XX/XXXX, I still have not received anything from them. Furthermore, I am not liable for this debt with The XXXXXXXX XXXX XXXX XXXX XXXX. To add insult to injury, I do not have any contract with this company, National Credit Systems, and they failed to provide me with the legal document that I demanded that they send me. 
Account number : XXXX XXXX : {$420.00} Date opened : XX/XX/XXXX I demand that this company delete this account from my credit reports immediately.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PNC Bank N.A. (TX)

XX/XX/year> viewed consumer report and seen illegal, inaccurate information from. PNC and XXXX XXXXXXXX late payments from PNC and illegal inquiries from XXXX  XXXX
Consumer complaint received 2022-08-12
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. (NV)

I recently a copy of my consumer credit report and noticed and error In accordance with the Fair Credit Reporting act XXXX Account has violated my rights. 

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 XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am a victim of Identity Theft. I responded to an email that led me to an unverified site that causes my account including my credit card information to be hacked by someone I do not know. I did not make a Credit purchased from them which appears on my credit report. I already filed a police report about this fraud incident.
Consumer complaint received 2017-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX had deleted XXXX XXXX XXXX XXXX account off my report now they reinserted it again on my report as of XXXX XXXX 2017. This account in the amount of XXXX was verified to be deleted. Now it 's back on again. I have been dealing with all 3 credit reporting agencies for months now. Once it has been verified to be deleted as it was it should not have been put back on my report
Consumer complaint received 2021-09-19
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: AMERICAN EXPRESS COMPANY (NV)

I purchased a merchandise on XX/XX/2021 and the item was never delivered to me. By Federal law they are to provide proof of delivery by providing a copy of the Form 4473 and the last line of that for is supposed to have my signature that I picked up my item. all they are providing is a credit card receipt. I explained the to American Express several times but they seem to have a problem understanding me. I do not know where my item is. I stopped contacted the store because I was not getting any answers. I need my money returned. I should not have to pay for something that was never delivered to me.
Consumer complaint received 2020-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

i have sent more then enough information on XX/XX/2020 to have these accounts listed on in my police report and ftc report blocked or deleted. i have made all the attempts Per my own request to have these accounts blocked by Law or the FCRA. This is not a company and i have been getting no where because of automated emails i get from Equifax XXXX  and XXXX. Please see attached supporting documents
Consumer complaint received 2022-10-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NAVY FEDERAL CREDIT UNION (MO)

I claim my rights under 16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices and FDIC 6000 Consumer Protection. 
In connection with any sale or lease of goods or services to consumers, in or affecting commerce as " commerce '' is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of Section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten-point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
Consumer complaint received 2017-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC. (NM)

Equifax offered free credit monitoring/ID theft protection after they had a security breech. Their website gave instructions to enter your last name and SS # to see if your information was affected, then provided a date for when you should return to the website to enroll. I was given X/XX/2015 as the day I was to return to sign up. I followed the entire process, entering all the personal information required but when it came time to complete the process was unable to do so. I have called the Equifax call center twice, most recently this morning. I was told the only way to enroll was to go through the website, they suggested I try in the very early or very late hours of the day to enroll. This morning the woman I spoke to gave me the same response after I told her I had already made unsuccessful attempts. She stated there was nothing else she could do I just had to keep trying. I asked for a supervisor, was placed on hold for 35 minutes, the same woman came back on the line and gave me another number to call. I was never given the opportunity to speak with a supervisor and the number I was instructed to call has an eternal busy signal. I did everything Equifax asked me to do in order to be enrolled in their program. I started the process over a week ago, it is unreasonable to be expected to wait for protection indefinitely for a breech in security they are responsible for. I have no evidence to provide as the only way you can communicate with them is over the phone or via their website. Conveniently for them it does n't leave a record of communication with the company.
Consumer complaint received 2017-09-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I was current with my mortgage to Wells Fargo. The next payment was due XX/XX/XXXX. On XX/XX/XXXX I called Wells Fargo and told I was in Default and had not made a payment sinceXX/XX/XXXX. I have until XX/XX/XXXX to pay Wells Fargo XXXX or I will be Forclosed on. I have owned my home sinceXX/XX/XXXX. My mortgage statement shows that I am current with no late payments due.
Consumer complaint received 2021-03-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. This date is over 90 days I have not received a response yet. I feel like I'm being taken advantage of and my dispute has fallen on deaf ears. Section 611 ( a ), it plainly stated that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report it has been over 90 days so they should be deleted immediately be deleted I am demanding that these accounts deleted at once or I will file for litigations due to the stress you caused me. My information was also impacted by the equifax data breach. and may have gotten in the hands of the wrong person.
Consumer complaint received 2017-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

OnXX/XX/XXXX I went to the TransUnion website to freeze my credit. I followed a series of links that based on their names and descriptions led me to believe I was paying a 1 time fee to freeze my credit. OnXX/XX/XXXX, I received an e-mail from TransUnion thanking me for signing up for a {$19.00} / month credit monitoring service that will be automatically charged to my credit card.
This seems to be hugely sleazy and deceptive. The links I followed were clearly designed to appear to be accomplishing a one time freeze of my credit information, it did not clearly state anywhere that you were signing up for a monthly billable service. Shamefull in light of the current demand by people to freeze their info in light of the XXXX  hacking.
I did go on line, and after much searching, found where I could cancel the monthly service .... but I still am stuck paying for the first month.
Somebody needs to hold these crooks accountable!
Consumer complaint received 2021-09-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Thrivepoint Financial Holdings, Inc. (CA)

I am trying to pay off an existing XXXX loan but I have no documentation or paperwork of what company took over the loan. I never recieved an account number yet the XXXX County tax collector will not respond who holds the load so i can get a payoff amount. This is not a fair lending practice as I was advised upon taking the financing that there was no pre-payment penalty but now I can not get that information. the old website goes to the company XXXX who I have not received any correspondence back from either.
Consumer complaint received 2021-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/2020 I had a account with chase credit card and they tell me I owe them money but I dont cuz I payed it off and they didnt report that in my credit report instead of it being a positive they just dinged. My credit and didnt close the case
Consumer complaint received 2023-01-11
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. (MI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: KEYCORP (NC)

I have 2 equity lines of credit with Keybank. 1 is for my business and the other was on a home that I owned. I went into the bank and asked to withdraw {$50000.00} from my business equity line. Keybank ( XXXX XXXX CT ) mistakenly took the monies from my home equity line. Several days later the house is sold and I am informed by my attorney of the mistake. The staff at XXXX XXXX CT transfers the funds to my business line and tells me all fees will be waived. The house is sold. Keybank didn't close the HELOC. They are billing me for the fees and interest that occurred. I have called several times to correct the issue and it has not need resolved as of today XX/XX/20. I have difficulty reaching XXXX the person at the branch who is supposedly handling the issue. I was told today by the branch manager that he is working to resolve the issue, but the technology at the bank is giving him errors. I need the issue resolved before it affects my credit. I have been made several promises that it is being worked and will be resolved quickly, but that has been the same answer for 2 months.
Consumer complaint received 2021-09-12
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. (DE)

In XX/XX/2018, XXXX charged off my car from being less than 30 days late. As per the Servicemembers Civil Relief Act ( SCRA ). I have attached my orders from my XXXX aboard XXXX XXXX XXXX. I sent them an email, as my ship internet connectivity did not work well once we were far out at sea. We could send an email, but doing much else was not feasible. I spoke with customer service and was sent the attached ledger, which does not make sense to me. I keep getting from the company to call them when I file a complaint with the credit bureau for over a year now. What has been placed on my credit reports are not correct and it should have not been placed for collection. Code 50, U.S.C 3952states that a vehicle can not be repossessed during a XXXX  XXXX XXXX time. I was on XXXX. It was not repossessed but they charged it off without being 30 days late. Also, when I called and spoke with the representative, he stated that they did not want the vehicle back but would instead require me to pay in full the amount that they say I owe. This is my last attempt before hiring an attorney to sue. The last uploaded file is the excerpt from the SCRA.
Consumer complaint received 2021-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

The items in question are not accurate in any way. I sent in challenge letters to the creditors as well as the credit bureaus and have not yet received a response. To resolve this issue. This is with XXXX XXXX as well as XXXX XXXX I never signed anything with. But the most important one of all was XXXX XXXX XXXX. That was not my mortgage. I never owed for a time share and this is costing me lots of money. I'm considering suing the credit bureaus for damages.
Consumer complaint received 2020-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

I had a Chase Freedom credit card and have accumulated close to {$2000.00} in rewards. Chase recently closed my credit card due to inactivity and removed all my rewards without attempting to let me know. This is devastating as I just lost all my money that I worked to get over the past decade. Can you please assist?
Consumer complaint received 2017-09-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (NY)

XXXX had a scheduled maintenance window from XXXX to XXXX EST. It is now XXXX and their site is not even up. Support requests have gone unanswered, and no notifications or updates have been made on any public channel ( e.g. XXXX ). 

They hold significant amounts of US currency in my account which I no longer have access to.
Consumer complaint received 2017-09-16
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Seben Hospitality Investments LLC (GA)

I had called ( XXXX ) on XXXX XXXX, 2017, trying to take care of my Federal Student Loans. I  spoke to a guy who said his name was XXXX. Through our conversations about my student loans, I thought he or his company ( Helping Hand Consultants ) was affiliated XXXX. So when he asked for my personal information to set up payments I assumed he had to have the information to do what was needed in order to start payments. In the end I had given him all my personal information to include ; name, phone number, address, social security number, credit card information, work information, and signed over my XXXX account power of attorney. After some research and talking with XXXX I realized I made a mistake and that " XXXX '' should have never asked me for my personal information. I was supposed to pay {$330.00} for the next 3 months and then {$0.00} there after. According to the information on the document I signed their information is as follows- Helping Hand Consultant XXXX XXXX XXXX , XXXX XXXX XXXX XXXX CA XXXX XXXX ext XXXX
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

IN THE LAST MONTH, TRANSUNION HAS GONE AS FAR AS DROPPING MY CREDIT SCORE BY XXXX POINTS AT ONE HIT AND JUST THE OTHER DAY, ANOTHER XXXX POINTS. A TOTAL OF XXXX POINTS IVE DROPPED BECAUSE TRANSUNION ARE XXXX. XXXX AND XXXX HAVENT EVEN DONE ANYTHING REMOTELY STUPID LIKE XXXX HAS. I WANT MY XXXX POINTS BACK CAUSE I WORKED HARD TO FIX MY CREDIT. THIS IS MY XXXX COMPLAINT IN AS MANY WEEKS