davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (PA)

I HAVE BEEN PAYING THIS LOAN FOR PROBABLY 20 YEARS,, AND THAT IN IT SELF IS REDICULOUS, BUT WHEN YOU WERE SCAMMED AND NEVER EVEN GOT THE DEGREE, THAT IS A DISGRACE. IF THIS LOAN IS INSURED HOW DOES XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AT THE TIME MAKE ME PAY, I DO THE 4 YEARS, AFTER THE DEFAULT, I PAY ALL THESE YEARS THINKING THEY WERE HOLDING MY DEGREE, AND NOW THEY SAY NO WE CANT HELP YOU???? REALLY I PAID FOR THIS, WENT TO THE SCAM SCHOOL, WHEN THESE TRADE SCHOOLS JUST OPENED AND NOW I AM OUT AN ASSOCIATES DEGREE. DOES THAT SEEM FAIR?
Consumer complaint received 2018-03-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (FL)

I have contacted XXXX XXXX   several times. 
I wish to settle my student loan amount I have a loan amount right now that totals {$56000.00} I don't believe it to be fair or accurate to be charged such a high amount when I went to a private college where none of the credits are accepted anywhere. 

I understand that it is my responsibility to pay the student loan and I agreed to do so however I would like to do so by settling it completely instead of it accumulating more interests and fees.
Consumer complaint received 2022-01-19
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: Experian Information Solutions Inc. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

So I have a credit card with XXXX XXXX XXXX XXXX my balance was {$1300.00} I called to say that this was going to be paid in full the middle of XX/XX/XXXX ( i called the begining of XX/XX/XXXX to let them know and they said that would be fine ) and they should have noted my account so I wouldn't get charged a late and have no more charges. I called today XX/XX/18 and they said they couldn't reverse the late fee of {$25.00}, really!!! They got the full amount of {$1300.00} paid in full and they cant reverse a one time late fee??? they are saying that because i had one reversed in XX/XX/XXXX they cant do another one but in this situation the card is paid off and I will be closing account and so they should be able to waive this fee!! Now this wasn't even my fault that it took longer than expected which I had mentioned to person when I called capitol one to get total balance amount.
Consumer complaint received 2020-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2018-10-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I filed complaint # XXXX back on XX/XX/XXXX regarding Portfolio Recovery Associates Inc. regarding false statements or representation. They claimed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were retained and responsible for providing the correct amount of payments I made on XXXX County case # XXXX. The original debt was {$20000.00} but a settlement was reached for the amount of {$8200.00} with payments to begin XX/XX/XXXX. Portfolio Recovery Associates Inc. has been reporting the incorrect amount since XX/XX/XXXX and claimed in response on CFPB complaint # XXXX that XXXX XXXX XXXX XXXX XXXX were the ones responsible for reporting the incorrect amount. My credit report has Portfolio Recovery Associates Inc. reporting the incorrect amount. I reached out XXXX XXXX XXXX XXXX and they sent me the attached letter. This is proof that Portfolio Recovery Associates Inc. has been negligent and reporting false statements to all 3 major Credit Reporting Bureau 's. The letter dated XX/XX/XXXX indicates my balance is {$5100.00}. Since then, I have continued to send my {$100.00} per month due the XXXX  of every month. My balance should be {$4600.00}. This is the correct amount that should be reported.
Consumer complaint received 2021-09-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

The XXXX  XXXX  in XXXX Illinois illegally used my credit card to charge for rooms that wasn't mine but my sister who paid for them on XXXX My bank denied the claim because the hotel apparently recreated documents with my name on them... 

They have inserted me in this transaction and I wasn't staying there.
Consumer complaint received 2020-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Granite Edvance Corporation (TX)

The company inaccurately reported delinquencies in XXXX, XXXX, XXXX, XXXX of 2017 while I was under Forbearance. Requested forbearance with customer service representative. They also report account as previously 180 days late which is incorrect.
Consumer complaint received 2018-03-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NJ)

I called my bank which is Chase on the week of XX/XX/XXXX. I asked a question of how XXXX XXXX   XXXX works. The operator told me that my account is secure through the bank and all funds would be protected. I made a purchase on XX/XX/XXXX to a online company through XXXX by the name of XXXX the purchase was for {$950.00}. As of today i never received my items, a email of confirmation, a tracking number or nothing of that sort. I was informed from another purchaser that the page was a scam and fraud, that they have been taking money from people for a while now and not sending the items. I called my bank ( Chase ) on XX/XX/18 to put in a Claim because I was informed from the operator earlier in XX/XX/XXXX that my funds would be protected. I called my bank informed them of all the information I received and how I found out that the page is a scam. My bank told me it was nothing they can do because i authorized the payment through XXXX XXXX. I then told my bank but since now finding out that the account was a fraud i was duped out of my money. I told my bank I have copies of the conversations between me and the owner of the boutique. My bank didnt care to listen to my argument and straight out told me Im lost out on almost {$1000.00}. Is there any way you can help me get my funds returned please!
Consumer complaint received 2018-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MN)

I made a payment of {$2100.00} to my credit card that was received, XX/XX/2018. The payment was received and cleared by the merchant approximately, XX/XX/2018 and Synchrony Bank granted me around {$850.00} of credit, instead of the full amount. It is unfair of Synchrony Bank to " float, '' {$1300.00} of my payment for 1 week and I believe in violation of state and federal regulations.
Consumer complaint received 2020-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: DISCOVER BANK (MD)

A few years ago, I took a cash advance out on my Discover credit card to pay an employee. I knew the interest was higher but was unaware of Discover 's scheme to raise the balance of the amount charged the higher interest rate.

To keep it simple, I noticed the amount seeing the higher interest rate was about double what I borrowed for the cash advance. I called Discover and asked their reps about what I thought was happening and they assured me the cash advance balance was not increasing. But, it was. After several more phone calls, I realized what Discover does. If I have a {$5000.00} balance, {$2500.00} cash advance and {$2500.00} purchase balance, and make just the required payment every month, Discover takes the payment and applies the entire amount to the
purchase balance. Then, they take the interest and apply it to the cash advance balance so that, over time, the entire balance could be charged the typically much higher interest rate. This was not made clear when I took the cash advance. It was not made clear when I called the call centers. In fact, the call center reps found it impossible in many cases, to explain the process and it wasn't until I finally reached a supervisor who confirmed what they do. I said I
felt I should get some kind of a refund of the interest charges and that I would record the phone calls to prove that even their own reps found their process confusing. I was told I would not get the refund I wanted and that I, under no circumstance, would be given permission to record their conversations.

But, I now have a balance of about {$5000.00} and the entire balance is being charge the interest rate of close to 30 % and the required payment is actually lower than the total amount of interest being charged. So, the balance is growing every month. While I would typically pay it off immediately after realizing this, duri
ng the pandemic I have limited funds and feel this is an unfair and unclear scheme to get more money from their customers.
Consumer complaint received 2020-01-28
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: Experian Information Solutions Inc. (WA)

There was some incorrect information on our credit report. I filed a dispute with Experian, and received an email that the dispute was resolved. I went to their Web site, and when I tried to get a new copy of my credit report/score, they want to " upgrade '' my membership and charge me {$1.00} to see my new report/score. 

I called the phone number provided, but was unable to get through their VRU to talk to a person.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

Today XX/XX/XXXX I received a letter in the mail from XXXX stating the because I submitted a previous dispute they will not conduct a further investigation into my accounts. This is obviously a violation of my rights. 
Also upon checking my complaints with the cfpb the credit bureaus stated they will investigate my case within 60 days. I feel this is very unfair and that i am being taken advantage of and is also a violation of my rights. 
According to 15 USC 1681 & CFPB investigations should be completed within 30 days of receiving original dispute.
Consumer complaint received 2020-09-22
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: SYNCHRONY FINANCIAL (MA)

I have been disputing this account present in my report because of its inaccuracy. I have contacted them multiple times but everything is getting nowhere. All I want is to have this account removed because I know that is justice. The information reported in this account does not match the bureaus reporting it, too many different information though it is only a single account.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # 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 an account without my written instructions.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX and XXXX has removed the XXXX XXXX account now can you also remove the inaccurate information Transunion ?
Consumer complaint received 2018-10-07
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: SYNCHRONY FINANCIAL (WI)

Today XX/XX/2018, I was notified by XXXX XXXX that their is a inquiry on my credit report from PayPal. I did not run credit for PayPal or apply for any credit card by PayPal. I want this removed from my credit report. This was not authorized by me!
Consumer complaint received 2022-01-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I am a XXXX yr. old XXXX XXXX and a terrible thing happened to me. I was sent some money from a friend through XXXX on XX/XX/2021, but never received it. I then went on my computer to look up XXXX when a XXXX XXXX ( phone # XXXX XXXX XXXX ) who said he was from XXXX and would get my money to me if I verified who I was. He had me go on XXXX website with XXXX and XXXX my license and email as verification. 
The next day I went on my app sites as I do every morning and when I got to Chase Bank app I was horrified. Someone had transferred {$10000.00} out of my account ( {$9900.00} + {$25.00} transfer fee ) to someone I did not know. It was definitely an unauthorized transfer. I immediately went to my Chase local branch and reported this. They changed my account number and said I would get my money back. Then Chase 's XXXX section emailed me and said I could not get my money back. 
I then went to the NYPD whose detectives felt a crime was committed by the above person on me, took a report and gave me a report #. I need my money back. It is social security and pension to live in an Assisted Living Facility.
Consumer complaint received 2022-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

So Im trying to figure out why my account got frozen. On Friday the XXXX I went to go pull out money from my account and a banker blocked my account an hour after I left from the branch asumming that my identification was a counterfeit ID So later that evening I returned back to the bank with two forms of identification and they told me that they couldnt unblock it because my account was getting reviewed even though I showed up to with 2 forms of identification. That confirms all my information tied up to my account What Im not understanding is how they thought it was a fake id all of a sudden when its the same exact id I used when I went to get my temporary card on XXXX at the same exact branch. They even helped me set up my online banking there I cant go in to show my ID now due to me being on bed rest due to me having COVID. 
What Im not understanding is that why they put a block on my card after I exited the bank and got back home. From my understanding is that they have to follow a certain procedure when you put a block on someones account as well as when I showed up later that day with my id The branch offficer who put a freeze was XXXX at us bank in XXXX XXXX on XXXX  XXXX Later that day I had realized that they had pulled a credit report without my consent even tho my account was frozen Im certainly unhappy with this whole situation that is going on so I would like so speak to the branch officer named XXXX that put a hold on my account .I honestly dont want to go to the extreme measures of getting my attorney involved unless needed that being said I would like for you to contact me on Monday once she gets in to the bank if I dont receive a call by the end of the day. I will be speaking to my attorney and will be letting him take over this whole matter
Consumer complaint received 2022-01-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (AZ)

This is my SECOND complaint about SYNCHRONY BANK. SYNCHRONY BANK continues to violate my rights as a federally protected consumer under 15 USC Chapter 41. I am a victim of identity theft and fraud. SYNCHRONY BANK has been harassing me and claims I owe a debt that is NOT mine to pay. I filed an FTC identity theft report and sent an Affidavit of Truth to SYNCHRONY BANK stating what violations they have violated with proof- sent on XX/XX/XXXX. ( attached ) It was sent via certified mail and I received the green return slip on XX/XX/XXXX letting me know it was in the hands of the XXXX of SYNCHRONY BANK. ( attached ) I had not heard from them, but noticed that the account was still open and with a different account number. With that, I filed my first CFPB complaint on XX/XX/XXXX. 

SYNCHRONY BANK finally responded XX/XX/XXXX. ( attached ) They declined signing my Affidavit of Truth and claimed that they " validated the debt because payments were made ''. Under the laws of Commerce, an un-rebutted Affidavit stands as Truth. Therefore, my Affidavit sent stands as Truth and they are liable to compensate me for the violations they committed against me. Moreover, their " evidence of " proof '' in attempt to validate the debt is in violation of 15 USC 1692h- which was a violation stated in the Affidavit of Truth sent to them.

They continue to perform identity theft acting as if they are the Original Creditor. This is incorrect pursuant to 15 USC 1602 ( g ). I am the Original Creditor and my social security number issued credit, not them. This also violates 15 USC 1692e ( 2 ) and 15 USC 1692e ( 7 ). 

As mentioned briefly above, SYNCHRONY BANK proceeded to create additional accounts without my consent to continue their attempts to collect an alleged debt. This is a violation of 15 USC 1602p. My account number changed from ending in XXXX to ending in XXXX. ( attached ) Furthermore, I did not apply or sign for the card with this account number, therefore I am not to be legally held to the contract. 

SYNCHRONY BANK continues to harass me sending emails to pay a debt that I don't owe. ( attached ) violating 15 USC 1692j, 15 USC 1692b ( 2 ), 15 USC 1692d ( 1 ), 15 USC 1692 ( e ) ( 2 ) ( a ), 15 USC 1692e ( 4 ), 15 USC 1692e ( 5 ), and 15 USC 1692e ( 7 ) ( most already stated in the Affidavit of Truth they've already received. ). 

This is completely unlawful and abusive. I have provided all proof needed and have done all steps needed via the federal law and SYNCHRONY BANK is still breaking FEDERAL laws pursuant to the FDCPA.
Consumer complaint received 2022-11-20
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 demand that the following account ( XXXX ) /file ( XXXX ) be deleted, all collection efforts cease and any information about this account ( XXXX ) /file ( XXXX ) sent to credit agencies/bureaus be removed immediately!! 
XXXX XXXX XX/XX/XXXX {$11000.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$5100.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$3300.00} XXXX XXXX XXXX XX/XX/XXXX {$19000.00} XXXX XXXX XX/XX/XXXX {$18000.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX  XXXX XX/XX/XXXX {$5800.00}
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2020-01-28
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. (TN)

I was informed in XX/XX/XXXXthat my credit and information had been stolen. Someone used my information to apply for a XXXX account and opened up wireless lines with my social security number. I contacted XXXX wireless and they determined that it was fraud. They sent an email to me notifying me that the accounts would be closed and that they would let Equifax, XX/XX/XXXX, and XX/XX/XXXXknow. They stated that it would take anywhere from 30 to 90 days. It has now been 90 days and the error still is showing with Equifax. I called them earlier today and they told me that there was nothing that they could do even if I submit a dispute, that it would have to be resolved with XXXX. I contacted XXXX wireless again and they informed me that everything was done properly and of the required information was provided to Equifax. There is now nothing that I can do since XXXX has sent everything over to Equifax that is needed. They will not do anything to help me out and so I am running out of options. I don not know what else to do.