davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (VA)

Have had problems with this company ever since all my loans were transferred over. Originally had some loans with XXXX and some with XXXX. Now all are with fedloan for reasons I am not sure of. 

Requested to pay additional amount. Took two months to finally go through after several phone calls. Now they just lower my monthly required amount so my additional amount to be paid really isnt much or anything additional at all. Then once I am paid ahead by atleast a full month, they take it upon themselves not to take out a payment at all the next month, and report to my credit report that the loan is in a deferment state, dropping my credit score by over 50 points. I called about this and they told me it shouldnt be in deferred and to send them a copy or screenshot of my credit report. I did not send any additional information to them. This month, that remark on my credit report has been removed and my score is now up again. All for no reason of my own. I want a payment to be taken out every month for the same amount with the additional amount I requested added in every month. Since I requested additional payment be taken out, my payments every month have been different and change constantly. Emails that I get say I owe one thing and the website shows another. I never know what is going to be taken out of my account. 
Their website does not show any details of how interest accrues or how my payments are being applied and I have no option to choose how my payments are applied, additional or otherwise. 
I have looked online and I am far from the only one with these same issues. The company seems to be manipulating my payments and amounts to charge maximum interest. To date, I have paid over 50 % interest. I have paid more interest than principal and the interest amounts change significantly each month, sometimes very little and other times nearly the entire amount is interest. Usually interest is half of my payment. I don't understand how 6.8 % turns into half on a monthly basis. Website is designed very poorly so you can't get any relevant information on loans or do anything other than see what they are going to do with you this month. So frustrating and tiring. XXXX Veteran that used the XXXX XXXX and shouldn't even have all these loans to begin with, but I am trying to pay them down and XXXX is my biggest enemy to paying off these loans. They encourage you to put off payments. Thats the easiest option to find on their website. I am over that and just want to get these paid down in a fair manner. They will have no part in it.
Consumer complaint received 2018-11-28
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: JPMORGAN CHASE & CO. (MI)

XXXX  has been non-compliant with removing the unverified account CHASE CARD Opened Date XX/XX/2015 which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that CHASE CARD was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Uber Technologies Inc. (KY)

Hi I am needing help with my background check this is becoming a huge problem I am trying to apply for Uber as a driver and my background check comes back clear I am requesting a new background to help this matter for applying for Uber as a driver
Consumer complaint received 2020-08-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (NJ)

This collection company put a negative debt on my credit report I have never had any contact with anyone from this company on the phone or via mail. I do not have any knowledge of any collections from this company and I want this removed from my credit report. When collecting any debt a person must be notified and giving the right to dispute. Which I was not in the middle of Covid all of these collections companies are violating collection laws. They also reported this on my credit report as a loan and said the account type was a factoring company.
Consumer complaint received 2020-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

Incorrect names, date of birth, and addresses are reporting on my credit file that is incorrect. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2020-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (WA)

Each year I order my credit report for review. In XX/XX/XXXX I attempted to request by report on line without success ( because Equifax does not correct errors ). I ordered the report via mail. On XX/XX/XXXX, I received two reports both dated XX/XX/XXXX with two different confirmation numbers. The information on the report was again wrong. I mailed a letter dated XX/XX/XXXX to Equifax with the corrections, their form completed. and documentation to support corrections. I also sent a copy of my XXXX letter requesting the same corrections. I reported XXXX to both CFPB and the Washington State Attorney General as Equifax falsified my report, failed to release my report and failed to correct my report etc. 
The same request was made to XXXX  and XXXX. I received their XXXX reports with no errors. 

I have had no response from Equifax Information Services LLC.
Consumer complaint received 2018-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BB&T CORPORATION (FL)

HAD AN ACCOUNT WITH BB & T BANK, ALL WAS FINE UNTIL I HAD A LITTLE ISSUE WITH SOME TRANSACTIONS THAT WERE BOTH CHARGED TO MY BB & T ACCOUNT AND MY CREDIT CARD FROM AN ALTERNATE BANK BECAUSE I WAS TOLD IT GOT DECLINED AT BB & T.

1 ) CALLED TO DISPUTE THE CHARGES -- TOLD TO SEND IN SUPPORTING DOCUMENTS ALMOST 2 MONTHS AGO. SENT THEM THE DAY REQUESTED BY RESPONDING TO E-MAIL FROM THE DEPARTMENT.

2 ) CALL IN MULTIPLE TIMES TO FOLLOW UP, NEXT THING IS MY ONLINE BANKING GETS TERMINATED BY BB & T, I GET CHARGED OVER 1500 IN FEES TO MY ACCOUNTS WHEN I CAN NOT ACCESS THEM AND I WAS OUT XXXX. 

3 ) CALL AND VISIT BRANCHES MULTIPLE TIMES TO SEE THAT MY ACCOUNTS ARE ACCRUING FEES AND I CANT GET A RESOLUTION. 

4 ) A MONTH LATER I GET SOMEONE WHO '' PLACED BLOCK ON ACCOUNT '' WHO SAYS ALL CLAIMS DENIED FOR NOT SENDING DOCUMENTS IN. NO ONE TOLD ME SHE DIDNT INPUT. I SENT THE DAY REQUESTED. TOLD ME TO WAIT ANOTHER MONTH TO GET CREDIT SHELL RESUBMIT AS I SHOWED HER PROOF E-MAIL WAS SENT A MONTH AGO. 

5 ) RELUCTANTLY CREDITS ME ALL CHARGES AND FEE 'S. AT THIS TIME WHEN I GOT THE CREDIT THEY BLOCK ALL MY ACCOUNTS BECAUSE THEY WANT TO STALL FEE 'S AND CREDITS AND KEEP XXXX IN OVERDRAFT AND SINCE THEY DENIED CLAIM WRONG THEY WILL GET BILLED AND DO NOT WANT TO CREDIT ME. 
6 ) LIED TO TOLD THEY WOULD GIVE ME MY MONEY AND FIX AND UBLOCK. 

7 ) THEY KEEP RUNNING ME AROUND FROM DEPARTMENT TO DEPARTENT AND IT ALL LEADS BACK TO ONE PERSON IN CHARGEBACK DEPT WHO CLAIMS SHE REFUNDED ETC. ITS A SCAM.. 

THEY ARE STEALING MY MONEY AND WASTING TIME. THEY ARE CROOKS. TOLD ME NOW XXXX   TRANSFER IS UNDER INVESTIGATION AND CANT RLS HOLD. MY FIANCE SENT ALL MONIES CLEARED BY HER BANK ... I CALLED XXXX WHO SAID NO ISSUES, AND THEY ARE SAYING NOW THEY NEED ANOTHER MONTH ... THEY CAN CALL / AND IT WAS NOT AN ISSUE TILL I GOT THE CREDITS. 

WORST CUSTOMER SERVICE IN WORLD. FALSE STORIES ALLIGATIONS ... THIS SHOULD BE ILLEGAL. 

PLEASE HAVE SOMEONE CALL ME ASAP.
Consumer complaint received 2018-05-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (PA)

I have reached out to IC Sytems and after thirty days of elapsed time I wanted to file a complaint., The debt they are trying to collect on is erroneous for I have paid as agreed., and fully satisfied this debt., I sent by certified mail / return receipt attached Hereto requesting Full / Validation of this debt including but not limited to An explanation of what the alleged debt is for / A calculation of the balance, Including the complete payment history of this account so that I have proof that this amount is correct / Documentation that shows I agreed to pay this debt / The agreement that grants them the Authority to collect on this alleged debt / a copy of their license to do business in my state along with their license number.,
Consumer complaint received 2020-08-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Moneytree Inc (CA)

I had an emergency and I went to MoneyTree asking for a loan, the guy thatassist me asked me to sign my contract, he didnt mention the interest rate, until I sign my contract, Now is becoming very dificult to pay every month. can you assist methank you so much
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NY)

On XX/XX/2022 someone used my credit card for {$100.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I put in a fraud case and was overturned saying it was me. I never ever was at a casino and no less taking a cash advance for {$100.00}.
Consumer complaint received 2020-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

I have recently reviewed my credit report and I would like to inform you of the inaccurate reporting on my credit file. see list below. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate this account. in pursuant to the FCRA section 6099 ( A ) ( B ) ( C ) I would like the name, email address, the addressed telephone number of the person who furnished and verified this derogatory information with transition. further I am requesting verification the amounts of any and all payments that led to this alleged debt being placed on my transunion consumer profile. al information pursuant to the FCRA section 609 should be mailed to XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, tx XXXX. I am disputingand requesting information on the following accounts. account name XXXX XXXX. account name enhanced recovery XXXX XXXX. account name XXXX XXXX XXXX. failure to properly investigate the accounts listed above will result in a " non verification '' which requires that the inaccurate information be immediately removed from my credit file. if any items return as verified please provide all records in regard to the FCRA section 609. I also  understand that the Fair Credit Reporting Act -specifically 15 USC section 1681i ( D ) AND 1681 J- requires that I receive both written notification of the appropriate corrections and updated credit report at no charge. thank you for your attention to this matter. XXXX XXXX
Consumer complaint received 2021-02-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC. (FL)

When I established my Robinhood ( RH ) investment account, I funded it with a direct XXXX XXXX wire transfer. From my XXXX XXXXXXXX XXXX ( XXXX ) to Robinhood. There were two transfers : XX/XX/2020 {$100.00} and XX/XX/2020 {$1000.00} for a total of {$1100.00} which was used to make two purchases of XXXX and XXXX stock. Subsequently, those stocks were cashed in and then the trouble began. Once my RH account had waited for the monies to clear and be available for withdraw ( back to the original XXXX that funded RH ) I attempted the transfer and was given an error message 'Account withdraw disabled '. I reached out via email ( the only way apparently to contact the RH ) 1st attempt XXXX Case # XXXX and again on XXXX Case # XXXX. Both requesting RH remove the bank restriction so I'm able to complete the transfer but I've never gotten anything other than an automated email response saying they received my email, some hyperlinks suggesting self-help, and if further help is needed to respond. I have to in both cases responded additional help is needed yet no further follow up or response from RH has occurred. My monies are still trapped unable to be withdrawn.
Consumer complaint received 2021-10-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc. (TX)

For more than three years I have been the victim of an abusive practice by First Federal Credit C. which has not stopped reporting to the three major credit bureaus a medical debt that does not belong to me even though the information they maintain in their files does not match my identity at all nor does it match the information they maintain on file with the credit bureaus, which I was able to verify through information obtained from the original creditor XXXX XXXX XXXX XXXXXXXX  when I submitted this account through XXXX on XX/XX/XXXX and contacted both companies in order to resolve the situation. 
FIRST FEDERAL CREDIT C Original creditor : XXXX XXXX XXXX XXXXXXXX {$440.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX XXXX
Consumer complaint received 2020-08-16
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA (MO)

I just started getting thousands of dollars showing up on my credit report out of nowhere. I never went to college I never borrowed any money to go to school! I am disabled so even if I did take out any loans they would've been forgiven already because I've been on XXXX since 2010. I don't know who's loans these are but if they're not mine.
Consumer complaint received 2020-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (VA)

On XX/XX/XXXX, I made a first mortgage payment to US Bank from my checking account. In error the payment was sent to my US Bank home equity line account. I made several calls to US Bank to inquire why my XXXX payment was not applied to my first mortgage. After weeks of research no one from US Bank could locate the payment. On XX/XX/XXXX I looked at my Home Equity Line account and saw that my first mortgage payment had been applied to the HELOC. I brought my account current with my own funds on XX/XX/XXXX while I have to wait weeks for this payment to be reversed and a check to be sent back. This is an additional {$3500.00} I am out of pocket due to the misapplication error. During this research time, US Bank reported a 30 day delinquency on my first mortgage and now my credit score has dropped by over 60 points. I have tried to US Bank to reverse this negative reporting but they have said they can't help me. I have never missed a payment on my first mortgage or my HELOC or ever been late on this mortgage which I have had for 5 years. I have had mortgages since XXXX and never been late on any payment. 

Included my bank statement showing my XXXX Payment to US Bank that was applied to HELOC and not my first mortgage.
Consumer complaint received 2021-10-02
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: CITIBANK, N.A. (CA)

Citi Bank has a vendetta against me because I have complained against them. Unfortunately I have 3 Citi Bank Credit Cards. Limits were {$3000.00}, lowered to {$500.00} illegally ; Home Depot {$4000.00}, lowered to {$500.00} illegally and Sears, {$4000.00}, just lowered to {$250.00} all without proper notice just because gave an earned feedback of zero! How can I get Citi Bank to stop victimizing me and leading low credit score and then using it as an excuse to keep lowering my limits without notice? Please help me with a referral to fraudulent financial abuse.

I have 4 good banks that increase my limits rather than increase, XXXX XXXX, 3 accounts ; XXXX XXXX, 2 accounts, best bank ; XXXX  XXXX, XXXX accounts and XXXX XXXX! I only get financial rewards from these banks rather than financial abuse acts. Just because Citi Bank is an international bank does not give them the authority to victimize, abuse, and subject us severely XXXX XXXX XXXX  to unfounded and discriminatory abuse! All of these has lead me to a bad score leading to losses of thousands upon thousands of dollars of low interest opportunities. Because of Citi Bank 's illegal acts, I don't qualify! Prior to all of these unjust victimizations, my score was XXXX, but XXXX turned our finances off illegally but then Citi Bank has followed illegal suit! I still make all my payments on time where the companies has not prevented me to access my accounts, because some have!
Consumer complaint received 2020-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX has once again added a negative remark to my credit report after removing it 3 times now. I have filed complaint after complaint with CFPB regarding this matter with XXXX XXXX. XXXX will reply quickly, remove or update my credit report, and then it will arrive again on my credit report within a couple of months. 
My credit report now says " PAYMENT DEFERRED ''. This is a negative remark, and will affect my ability to secure future mortgage financing. 
I need this to be removed. I have proven over and over again that this remark is not accurate. XXXX has provided me numerous apology letters stating this information is not accurate, and then they remove it. 
I need this to be removed immediately because I am in the process of having a home built and trying to secure financing. 
Thank you
Consumer complaint received 2021-10-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have been disputing this account with XXXX XXXX XXXX, TransUnion, XXXX, and XXXX  for months. The bureaus claim XXXX XXXX claims if accurate yet, all companies have refused to supply me with the method of verification and or any written contracts with my signature. According the the FCRC and Maryland state and Federal laws I have the right to have and review those contracts if any. If they don't have them then it accounts must be deleted. If XXXX XXXX did supply the bureaus with any information they did so under a ceased and deist order with was sent certified mail on XX/XX/2021 and again XX/XX/2021. If such information was provided under this order that is grounds for District Court with XXXX XXXX and all 3 credit bureaus for obtaining medical information without my consent. At this point I was these account deleted not updated and I will seek damages of $XXXX per violation per company (XXXX XXXX XXXX, TransUnion, XXXX, and XXXX. Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act (including but not limited to Section 807-8) Violation of the Fair Credit Reporting Act (including but not limited to Section 623-b)
Consumer complaint received 2020-08-16
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: EQUIFAX, INC. (IL)

Received notice today via XXXX XXXX that XXXX XXXX XXXX are showing on my credit report and shouldnt be. I do not recognize this account and dont have this account and is affecting my credit report. Per fair credit reporting agency, please remove inacc, invalid, or unverifiable information from my credit report.
Consumer complaint received 2021-09-01
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. (PA)

I have looked over my credit report and there are fraudulent accounts on my consumer report that are fraudulent. Any unathorized account is considered identity theft. Under the FCRA written by congress at the receipt of an identity theft report, which is attached, a consumer reporting agency has 4 business days to block these fraudulent accounts. I, XXXX XXXX did not receive and will not receive goods, services, nor money for this block. Neither was this request made by error nor is the identity theft report a misrepresentation of fact being that it is directly from the Federal Trade Commissions website, who by law is authorized to enforce compliance. Therefore there is nothing preventing the blocking of these fraudulent accounts as said so by congress under the FCRA. Unless your consumer reporting agency is able to provide me, XXXX XXXX who is the consumer, a proof of validation of any of these alleged debts from the creditors within 4 business days, there should be NO reason why I would have to wait for an investigation with the creditors/furnishers before the necessary blocking of these fraudulent accounts. NO company policy is above FEDERAL LAW. With that being said there should be NO comments on my consumer report saying that these fraudulent accounts are in dispute, especially since I, the consumer DID NOT request for these accounts to be disputed but blocked, and I have also provided everything needed, pursuant to 15 USC 1681c, for this fraudulent information to be blocked no later than 4 business days. Please also mail me confirmation of this block along with an updated consumer report showing this block. Along with this statement, I have attached both the identity theft report and proof of my identity which is my license and proof of address. The fraudulent accounts that need to be blocked are listed below. 

XXXX XXXX XXXX US DEPT OF EDUCATION/XXXX US DEPT. OF EDUCATION/XX/XX/XXXX
Consumer complaint received 2019-09-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (HI)

I wrote to Law office of XXXX XXXX, 2 times to ask for original bill that they claiming I owe, this is after they send to my work papers of garnishment?? Left several messages at Synchrony Bank for the same ( original bills ) no return calls or letter. XXXX XXXX has stated in a letter that Synchrony Bank is their client, however, Synchrony bank is not involved and does not own the acct. since it been sold to XXXX?? 

Also XXXX office is charging me over {$1000.00} in fees, for garnishment that was not approved by the courts. If Synchrony Bank is his clients, let them pay his fees ...