davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (LA)

I had my student loans transferred from XXXX to Fed Loan Servicing in XX/XX/XXXX in order to qualify for the Public Service Loan Forgiveness Program. Despite being certified as working for a qualified employer, being in a qualifying payment plan, and despite making payments on time ( except XX/XX/XXXX and XX/XX/XXXX ) Fed Loan claimed that XXXX said that I was on an " internship forebearance '' XX/XX/XXXX - XX/XX/XXXX, and thus FedLoan is not counting those payments to PSLF. On XX/XX/XXXX I spoke with XXXX ( XXXX ) from Fed Loan, who said she would " activate the bills '' for the months during that time period that I made payments, and she said that she would request for the forebearance to be removed. She also requested a manual recount of which loans should count. On XX/XX/XXXX, I called XXXX and they confirmed I was NOT on an internship forebearance XX/XX/XXXX - XX/XX/XXXX and they did not communicate to Fedloan that I was ( so this was Fedloan 's mistake ). On XX/XX/XXXX I called Fedloan ( spoke with XXXX, # XXXX ), who said the payments were still showing as in forbearance. XXXX put a note in the system that the Dept of Education fixed my datafile and that now it should show that I was in repayment XX/XX/XXXX - XX/XX/XXXX ( except XX/XX/XXXX ), and not in forebearance. XXXX said they have not started the manual recount yet. On XX/XX/XXXX, I received my updated qualifying payment count and they are still not counting the loans that I made on time payments for during the months mentioned above. It appeared as though they still thought I was on an " internship forebearance '' XX/XX/XXXX - XX/XX/XXXX. I called Fedloan and they were closed due to COVID. On XX/XX/XXXX I called the Ombudsman number for Fedloan and spoke with XXXX ( XXXX ) who told me that it is STILL showing a forebearance for XX/XX/XXXX - XX/XX/XXXX, and XX/XX/XXXX - XX/XX/XXXX, and also XX/XX/XXXX, despite that I made on time correct payments during those months, I was in a qualifying payment plan, and my employer was certified as qualifying for the program. She submitted ANOTHER ( third ) request to have the forebearance removed for these months, and she submitted ANOTHER request for a payment period verification so that once the erroneous forebearance is lifted, those payments can count toward PSLF. I am now back in the same place where I started when I was told XX/XX/XXXX that Fedloan would request the forebearance to be removed and also that I would have a manual recount of my loans done. I found out today, XX/XX/XXXX that there is NO RECORD of anyone attempting to remove the forebearance, and my qualifying payment count is still off by 10 months or more, 2 years after my first attempt to correct the problem.
Consumer complaint received 2019-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I applied for a Capital One card, and got approved but they never sent the card to my house. Apparently they sent the card to someone because they claim I owe {$13000.00}. How I could owe {$13000.00} when I never received the card in the mail.
Consumer complaint received 2020-11-16
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: SYNCHRONY FINANCIAL (NY)

To whom it may concern, i was a victim of identity theft. I never authorized the following inquires on my report. Sync XX/XX/XXXX, Sync XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, sync XX/XX/XXXX, sync XXXX XXXX. I recently changed all my passwords and stuff online to avoid this from ever happening again. I was told by a friend to come to you guys since i was getting the run around. When this first happened back in XXXX sync bank had agreed to remove the inquiries. I will show a picture of my XXXX  report which is showing all this and my XXXX which removed all of it since it is inaccurate and was never authorized by me.
Consumer complaint received 2019-05-13
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: Experian Information Solutions Inc. (NY)

Tried to obtain my credit report through Experian. When asked to verify my personal information none of the information presented was correct and it would not confirm my identity. I strongly suspect my identity has been stolen and I need the credit reports to assess the extent of the identity theft in my name.
Consumer complaint received 2022-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX : 1. XXXX XXXX XXXX : XXXX. XXXX, XXXX 2. XXXX XXXX Inquiry : XXXX. XXXX, XXXX 3. XXXX Inquiry : XXXX XXXX, XXXX 4. XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX 5. XXXX XXXX Inquiry : XXXX XXXX, XXXX 6. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX 7. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX 8. XXXX XXXX/XXXX  XXXX  Inquiry : XXXX XXXX, XXXX 9. XXXX XXXX  Inquiry : XXXX XXXX, XXXX 10. XXXX Inquiry : XXXX XXXX, XXXX 11. XXXX XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX : 1. XXXX Inquiry : XXXX XXXX, XXXX TRANSUNION : 1. XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX. XXXX XXXX Inquiry : XXXX. XXXX, XXXX 3. XXXX Inquiry : XXXX XXXX, XXXX 4. XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX 5. XXXX XXXX Inquiry : XXXX XXXX, XXXX 6. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX 7. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX 8. XXXX XXXX/XXXX XXXX  Inquiry : XXXX XXXX, XXXX 9. XXXX XXXX  XXXX : XXXX XXXX, XXXX 10. XXXX Inquiry : XXXX XXXX, XXXX 11. XXXX XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2021-05-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have applied multiple times for a credit limit increase. Bank of America never answers. 
The limit has created serious problems for me as I have to make multiple payments during a billing period, rejection on purchases etc etc. 
I have excellent credit above XXXX score and I don't like to use more than one credit card for organizational purposes. XXXX  violating the law as usual does not answer the credit increase request and does not follow their own rules. Of course try to talk over the phone is useless and with no resolution either. 
Attached is proof of my latest never answered credit increase request a month ago. 
I believe there should be a criminal investigation against Bank Of America for their fraudulent practices.
Consumer complaint received 2020-01-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: GOLDEN EMPIRE MORTGAGE INCORPORATED (CA)

On XX/XX/XXXX I was pre-approved for a mortgage loan with the company name Signature Home Lending. They let me know by phone the loan amount of {$330000.00} and interest rate of 3.5 % because of excellent credit score. I  never received the Loan Estimate, but I trusted them to keep their promise. Later on, I changed my mind, and instead of buying a primary house I wanted to buy a house for investment. My agent called the lender to let them know the changes, and also to let them know I would need a lower amount ( {$130000.00} ). On XX/XX/XXXX I received by email the confirmation of the new pre-approval for the {$130000.00} with neither interest rate nor Loan Estimate.  When I finally found the right house and my offer was accepted, I contacted the senior lender XXXX XXXX XXXX on XX/XX/XXXX to ask if the interest rate would be the same since she never called me to let me know otherwise. Her answer was that ofcourse the interest was going to be higher. I asked her how much higher. The next day we got in contact again, and she told me the interest would be 4.25 %, but when she finally showed me the Loan Estimate I could  notice she was changing for points to lower the interest that she never mentioned, and I never agreed to pay. Now what I thought it was a good deal is became a 4.625 % interest loan. I tried to get a lower interest by changing from 30 years loan to a 15 years loan, but she gave me the same 4.625 %. My complaints are she never told me she was selling me points intead of negotiating the interest, she gave me the Loan Estimate until almost closing which is against the law. Not to mention the HIGHER interest.
Consumer complaint received 2022-10-14
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 — Investigation took more than 30 days
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

I submitted a letter to the XXXX and XXXX Credit Bureaus XX/XX/XXXX to update this suspicious information. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
CARNGTN MTG XXXX Date Opened : XX/XX/XXXX Balance : {$230000.00}
Consumer complaint received 2021-09-20
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: EQUIFAX, INC. (SC)

Ive been seeking validation for the derogatory item reported to my credit report since XX/XX/2021 and the debt collector has failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.
Consumer complaint received 2018-02-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have attached a copy of the status page from Transunion. By law, they have exceeded the the 30 days allowed for the verification of this item. Transunion must now remove this item immediately.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, : XXXX # XXXX 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-18
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. (AZ)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-11-05
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL (GA)

I am a natural person and consumer who has received unfair treatment by Synchrony and its business affiliate, a well known hardware merchant. 

In a previous CFPB complaint, XXXX, Synchrony pledged to remove the fraudulent inquiry made on my consumer report on XX/XX/2021. This was to be completed within 60 days of my complaint however, the inquires still remain on my consumer reports. Pursuant to 15 USC 1681b, Synchrony received my consumer report but has no written instructions from the consumer ( me ) to whom it relates. This constitutes a violation of Title 15, Chapter 41.

Synchrony also violated 15 USC 1681d and 1611 as they caused to be procured an investigative consumer report and did not accurately disclose to the consumer ( me ) that such report would be made. This too constitutes a violation of the Title 15, Chapter 41.

Sychrony continued to report that they made a fraudulent inquiry on my consumer report well past the date they claimed they would remove the inquiry in CFPB complaint XXXX. Synchrony is in violation of 15 USC 1611, by continuing to report false and inaccurate information to consumer reporting agencies, therefore ruining my reputation and defaming my character.
Consumer complaint received 2022-04-29
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: CMRE Financial Services, Inc. (OK)

XXXX $ XXXXcmre financial services I don't use it an I told them this time after time Ic system XXXX $ i told them I never use are signed up for anything I disputed both of them but it still on my credit
Consumer complaint received 2021-01-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

I have a collection on my report from Wakefield and assoc.in the amount of XXXX.that has already been paid off.have an email from them that says it's paid.trying to get that collection off my credit report.its on both XXXX  and XXXX.thanks
Consumer complaint received 2019-08-22
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. (CA)

my name : XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX account : XXXX XXXX   for two card chase for 3 card XXXX for 2 XXXX XXXX for 1 I returned to XXXX two years ago and I rarely return to the United States because my mothers XXXX needs to go back to XXXX for treatment. 
This is the new ID, the previous one was lost, and the new passport is returned to the country. 
and These payments are not used in my country in the United States and in other countries I have not been to. The bank has not confirmed with me. 
I have bound the automatic repayment, so many credit cards have overcharged my money. Many of the costs are not used by me and I have not allowed my permission. No one has any email to inform me that I have over-consumed. 
You can check my historical payment credit. I am paying in full. 
I had a credit score of XXXX or more two years ago. 
Now, because I have not passed the transaction I allowed, the expenses incurred are such that the money in my checking account is automatically repaid. Now, my checking and saving are closed. 
I have been in the United States for a short period of two years and the time spent on my credit card was spent when I was away. I lost my passport and ID card.
Consumer complaint received 2018-02-05
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (TX)

I previously had a second mortgage loan with Chase. This loan was unfortunately charged off in XX/XX/2009 and the loan was re-modified through Chase. Chase maintained a lien on the property through the second lien while the first remained current. I have been trying to sale the home and Chase has refused to talk to me about the loan and refers me to XXXX XXXX XXXX XXXX. XXXX has inflated the amount of the originally charged off debt by {$15000.00} with no explanation of charges. I am now in another situation to sell the home and XXXX will no longer speak to me but refers me to XXXX XXXX XXXX. I think this is an unfair practice whereby these companies unfairly inflated debts and hold up sales on the property of debt that is past it's statue of limitation for ANY type of legal action to the consumer.
Consumer complaint received 2022-04-29
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : XXXX states a consumer reporting agency car furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under XXXX open end consumer credit plan as late for a purpose.
Consumer complaint received 2019-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc. (TX)

Recmgntsys Opened XX/XX/2016 {$220.00} Original creditor : XXXX XXXX XXXX Overview {$220.00} Highest Balance {$200.00} Opened XX/XX/2016 ( 3 yrs, 4 mos ) Account status Open Type Consumer disputes this account information Original Creditor Name XXXX XXXX XXXX Creditor Information RECEIVABLES MANAGEMENT SYSTEMS
Consumer complaint received 2023-01-18
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. (CA)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy XXXX ex XXXX XXXX Bankruptcy XXXX
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AZ)

So I had filed for Bankruptcy Chapter XXXX on XX/XX/XXXX and then it was dismissed by the courts on XX/XX/XXXX due to failure to appear in court, but it was actually because I was in the process of having an attorney help me and I had filed the wrong information and needed help so they wouldn't let us use my original case we had to open a new one, so the court automatically closed it due to non appearance. The second one was opened XX/XX/XXXX and closed on XX/XX/XXXX. Both of these cases were not finalized and finished through the court system meaning where the courts discharged my bankruptcy and I had to pay anything or they paid any of my creditors. These bankruptcies were not finalized and finished therefore they should not exist on my credit reports since we didn't follow through with the actual BK. I should not have to suffer with a BK public record when we didn't even finalize anything and go through with the actual BK. Please have these both removed from all three of my reports. I have my documents if you need them to show the dismissal was on my end not the courts end and that there was nothing finalizing the actual BK Cases. Case numbers XXXX XXXX This is all through the Arizona Bankruptcy Courts and XXXX have reached out to Experian, XXXX and XXXX and nothing has been removed.
Consumer complaint received 2021-09-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (TX)

A FRIEND XXXX GOT HACKED, SCAMMER PRETEND TO MY THE PERSON AND TOLD TO INVEST A CERTAIN AMOUNT TO GET 3X THE AMOUNT. AFTER THEY TRIED TO " HELP '' ME, THEY BLOCKED ME, AND I FOUND OUT THE WALLET HAVE OVER XXXX XXXX  IN IT. THE SCAMMERS HAVE MORE THAN ONE IDENTITY. JUST LOOK UP ON XXXX " XXXX ''. MANY HAVE BEEN VICTIMIZE, AS MYSELF DUE TO HOW DESPERATE THE ECONOMY IS RIGHT NOW. PLEASE HELP.
Consumer complaint received 2021-01-22
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. (TX)

THESE COLLECTION ACCOUNTS ARE IN VIOLATION AND NEED TO BE REMOVED IMMEDIATELY. COLLECTION ACCOUNTS IS CLOSED-END AND CAN NOT HAVE LATE PAYMENTS ..MEANING THAT THERE SHOULDN'T BE REPORTING OPEN, NO LIMIT, NO PAST DUE AND NO PAYMENT STATUS. 
NOT ONLY THAT THESE ACCOUNTS ARE IN VIOLATION WITH HIPAA LAW WHEN IT SAYS MEDICAL INFORMATION FURNISHER CAN NOT BE INCLUSEDIN A CONSUMER REPORT AND THE NATURE OF SERVICES CAN NOT BE INFERRED BY A PERSON OTHER THAN THE CONSUMER MEDICAL INFORMATION. SEE ATTACHED : XXXX ACCOUNT. 
PLEASE PAY CLOSE ATTENTION TO THE ATTACHED THESE ACCOUNTS NOT REPORTING SOLD/OR TRANSFERRED THESE ARE VIOLATIONS. INSUFFICIENT ACCOUNT # 'S. BALANCE SHOULD SHOW {$0.00} REMOVE IMMEDIATELY!!!