davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-03
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: AmerAssist A/R Solutions, Inc. (GA)

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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2020-10-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (FL)

PayPal informed me via email that my account has been permanently closed despite the fact that I have done nothing wrong. They will not let me access the funds in my account. I do not see how it is legal for an online banking institution to steal my money and not return it for 180 days!?!
Consumer complaint received 2018-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (FL)

This is THIRD complaint since PNC Mortgage does not seem to understand the unfair and illegal practices. My mortgage was bought by PNC from another company. Since that time it is been my worst nightmare. I have paid all payments on time through auto pay with my bank. Since the time of purchasing this home, it has required complete renovation due to the condition of the home when purchased. Because of this need, my loan was set up such that it required PMI. With PMI comes the escrow requirement. After allowing my insurance to lapse because they did not communicate with the insurance company during the hurricane, it took my footwork, etc to correct the problem. Since that incident, my insurance will no longer be paid through the escrow. A document was sent on XX/XX/XXXX indicating PNC will no longer pay the insurance. In addition, requested having the PMI and escrow removed. PNC insists because of the XX/XX/20 rule they can not remove the PMI and escrow. Because of their insistence, I ordered an appraisal costing over {$400.00}. It was provided to PNC proving the value was significantly higher and therefore PMI and escrow should be removed. Now they are saying despite them holding me land locked, now they will order an appraisal but I will be required to pay {$500.00}. They will not accept the appraisal which already proves the issue yet would not order one until I paid to prove they were incorrect. With all that, they are saying I owe higher payments for escrow despite insurance will no longer be paid, taxes went down because home is now homestead and value was proven higher. PNC actually owes my money back due to excess escrow for insurance. This is a shortened version, this does not include the lost payments, unable to take " partial '' payments so good luck paying off a loan early with any variance to your payments. PNC should be investigated including governmental audits. 

The second complaint resulted in PNC contact calling me and asking for return call with best times to call. After three attempts and no return call at requested time ( which were during business hours ) the complaint was closed. the employee should be terminated.
Consumer complaint received 2021-01-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (HI)

I reached out to Navient Corp, student loan servicer, to inquire about the current balance of {$17000.00} shown on my {$30000.00} private student loan, thereafter 124 monthly payment of {$350.00} were made, insofar, totaling, a repayment of {$43000.00}. This sum is in the neighborhood of the final amount they are supposed to collect over the life of a {$30000.00} loan with a repayment duration of 10 years, at 5.75 % interest rate. Not only do I question the amount to be much higher than normal, but also to stipulate whether the loan, at this point, should be paid off. Instead, if adding to remaining balance of {$17000.00}, the amount of {$13000.00} already paid, in excess, over the disbursed amount, of {$30000.00}, Navient plans to collect at least the sum of {$30000.00}, in finance charge! This is both ridiculous and absurd to charge an interest rate of 13.50 %!!, which, though variable, caps at 8 % : Here is the response I received from Navient ( I have attached the letter with my complaint ) : -- -- -- -- -- -- -- " It is important to understand that interest accrues beginning at disbursement until the loan is paid in full. Your Private Signature Student Loan was disbursed for {$30000.00} on XX/XX/XXXX. The Disclosure Statement sent to you at the time the loan was disbursed provided an estimated finance charge of {$40000.00}. In addition to the disbursed amount, this would total approximately {$70000.00} over the life of the loan. 
The finance charge provided on the Disclosure Statement is an estimate and can vary based on the actual interest rate charged on your loan, as the interest rate for your loan is variable. This amount may also change due to the use of deferment, forbearance, or making late or reduced payments. '' -- -- -- -- -- -- - I have NEVER agreed to a finance charge of {$40000.00}, in addition to repaying a {$30000.00} student loan!! Irrespectively, in the event I did sign for such loan, this finance charge would be strictly above the chart of allowable fees, and void, by law. Moreover, the exorbitant charge shall be interpreted as evidence of financial tort and business malpractice, on their part, instead of used to prove I agreed to repay such an abusive fee. I was financially misled by Navient, who is wrongfully overcharging an interest of 13.50 %, instead of keeping the rate within the required 4.75 to 8 % bracket. If the current repayment plan were to be maintained, when {$70000.00} is finally collected, subtracting {$44000.00}, it would result in an illicit extra surcharge of {$26000.00} ( approximated ). 
It is important to highlight that although the loan forgiveness program was created in XXXX to discharge public workers of their student loan obligations in exchange for their community service, forgiving Navient, for its disservice, is out of question, today.
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (MO)

I once had a Personal Checking Account that was subject to over seas fraud transactions that hit both my Account Number as well as fraud transactions through XX/XX/XXXX I contacted the bank immediately after noticing my account was hit multiple times for different amounts. The Account Debit Card was closed and I did report this to the Credit Bureaus and I also had Fraud Alerts placed on ALL Credit Bureaus. 

Now my So Called Charge Off Amount is being reported to XX/XX/XXXX even after I have filed out Fraud Paperwork through the bank its self as well as filing out a pervious ID Theft Affidavit through a Government Website. 

I have proved this was fraud and I have had frequent contact with the bank and no one has called me back even after I requested a call from a Senior Member of Management. 

I have also contacted XX/XX/XXXX and I have disputed them and asked for another deeper investigation to be preformed. 

I have had NO resolution as of date.
Consumer complaint received 2020-07-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (AR)

trouble ticket # : XXXX Acct number : XXXX Card ending in XXXX XXXX XXXX XXXX On XX/XX/2020, I contacted MyVanilla customer service and reported several unathorized charges from a merchant called " XXXX XXXX XXXX. '' I MEVER got a notification that these charges were being made using my card, not one fraud alert, nothing. 
I was told that I needed to fill put a dispute form, which they did email me and I sent it back to them both via email and fax the very next day. A few days later I received a letter in the mail stating that my claim had been denied. 
HOWEVER, 2 days ago onXX/XX/XXXX the dispute team JUST NOW emailed me saying that they had now received my completed dispute form and that it would be reviewed by the dispute team. 

It had been more than 10 days and nonprovisoonal credit was issued and on top of that the information which they requested and I returned promptly, was not even reviewed. 
I contacted the merchant XXXX XXXX XXXX, myself and told them about the unauthorized charges, etc. And requested that they reduce some sort of identification, which I knew that they could NOT produce because I was not the one making the purchases on their gambling site. 
I have screenshots to prove everything that I am stating to be completely factual and accurate. 
Incomm/ myvanilla violated regulation E. Clearly. 

I have been the victim of fraud. 
I should be entitled to my funds that were stolen. 

During this pandemic, the worst time for this to happen, and it happened. 

Now the card issue refuses to rightfully return my money to me and I cant speak with anyone via customer service that can help me out by doing anything useful for my situation. 
I am SO stressed about this .... 
Please help me get my money back asap. 
I did not make these purchases. 
My card information was stolen, the merchant can not produce ANY proof that I made these lurchaes myself, the card issuer should have issued provisional credit, and XXXX should have actually read my completed dispute form which I sent to them promptly. I gave an explanation as to how I believe this happened, merchant communications, nd other details. 
This is not right or lawful. 
Thank you.
Consumer complaint received 2018-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

While doing my weekly credit report check on XXXX XXXX, I found a collection on my account which was odd because I pride myself on not owing anyone ( accept XXXX XXXX but thats another story ). 

It says the original creditor is XXXX XXXX, but I've never signed up for cable. I don't even watch cable television because I have XXXX. For it just now to be going to collections, someone must have signed up for something in my name earlier this year ( {$76.00} balance - opened XX/XX/2018 according to XXXX XXXX ). I don't understand how or why someone could do this, this technology world we live in just is not safe anymore.
Consumer complaint received 2020-11-16
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. (NY)

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (IL)

I received notification from Transworld Systems Inc. in XXXX XXXX, PA in XX/XX/XXXX that I owed tuition from XXXX XXXX University. The XX/XX/XXXX and XX/XX/XXXX tuition was paid on a credit card and I called the school to confirm payment receipt. They said they did n't know why this was turned over to a collection agency. I called the collection agency and they wo n't work with me. I made copies of all my payments including the account printout from the school with my XX/XX/XXXX and XX/XX/XXXX account information showing a XXXX balance due. I sent this information to the collection agency certified mail with a return-receipt confirmation. I would like the school and collection agency to get their accounts straight and ensure my credit rating has not been affected by this inaccuracy. I am enrolled in the XX/XX/XXXX semester and the tuition information is reflected on these statements but will be covered in the fall with student loans and personal payment. Those figures are not part of this issue as I just registered for XX/XX/XXXX.
Consumer complaint received 2021-01-21
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AES/PHEAA (SC)

FEDLOAN SERVICING reported multiple alleged accounts to the consumer reporting agencies. I am disputing the validity of this alleged debt pursuant to 15 USC 1692g as it is damaging to my reputation pursuant to 15 USC 1681 ( a ) ( 2 ) and invades my right to individual privacy pursuant to 15 USC 1692. I have sent this company a debt validation letter and await their response.
Consumer complaint received 2020-11-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX at XXXX, I received an email alert from Chase stating that there was wire transfer of {$8500.00} from my checking account. I went to Chase Bank at XXXX to freeze the account. The banker helped me out to file a claim with Claim Department. I was at the bank from XXXX until XXXX for changing account and report. My cell phone got hacked and it didnt not work. The banker let me used the bank phone to call my family and the banker was the witness. The banker asked me to come back on the XXXX of XXXX to fill out Statement of Fact. Attach were the support evidences. 
On XX/XX/XXXX I got an email and Chase denied to solve the problem and denied to refund my money back with unacceptable reason saying that at XXXX I confirmed the funds. Please help me solve the problems because I my money was taken and I have XXXX  kids to feed. 
Thank you so much, XXXX XXXX
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (TX)

my student loan is no longer with great lakes higher education. I am now with XXXX DEPT OF ED. But great is needs to get remove from my credit report i tried to dispute it nothing is getting done. The account was open in 2009 {$1200.00} {$7500.00} {$18000.00} {$2900.00} {$10000.00} {$1700.00} {$7500.00} this loan has been consoildated with XXXX so why is it still on my credit report
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit, Inc (CA)

I have an established agreement with Volkswagon XXXX due to being impacted by the pandemic and Volkswagon is in violation and continues to tarnish my credit report while I have an arrangement with them. I called and was informed that they are behind and will continue to derogatorily report on my credit report.
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 — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

XXXX XXXX has removed public record from my account ( attached letter dated XX/XX/2020 ). I have disputed this item several times with both XXXX  and Equifax who report the results of my investigations from their 3rd party reporting agent XXXX as " verified ''. This is inaccurate and against my rights under the FCRA. Please have them remove this public record immediately.
Consumer complaint received 2020-08-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX XXXX  has not acknowledged my request for accommodation to credit reporting in accordance with CARES Act ( section 4021 ).

Although I have attempted mail and phone correspondence I have not received a response nor acknowledgement of my dilemma.

Earlier this year my wife was terminated from her job of 13 years due to the COVID-19 Pandemic. Amid the stress and chaos during this  period there was a lapse in accounting for my XXXX XXXX account. Typically, I keep the card paid in full perennially so I dont have to worry about the monthly bill. XXXX XXXX  reported 30 day late payment to all credit reporting bureaus. The balance on the XXXX XXXX card is minimal and the companys fees can make it easy to lose track of a card that rarely gets used. 

XXXX XXXX  touts XXXX XXXX Secured VISA card as a tool to improve credit. 

XXXX, I have had the {$200.00} XXXX XXXX ( Secured ) card  since XX/XX/XXXX and although I have multiple credit cards with other banks like XXXX  XXXX and XXXX with higher limits, this is the only card with a delinquent payment on my credit report. The 30 day late that was reported in XX/XX/XXXX is the only late credit card payment on my credit report which has a severely detrimental impact on my family. 

The opportunity to have late payment record for XX/XX/XXXX deleted due to turmoil during the COVID-19 pandemic would demonstrate professional courtesy, empathy and consumer loyalty during these trying times. 

The 30 day late report for the month of XX/XX/XXXX should be removed from all credit reporting agencies pursuant to Cares Act ( section 4021 ).
Consumer complaint received 2018-07-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MD)

I began a repayment plan in the fall of XXXX after learning that I was no longer eligible for forbearance or deferment options. I spoke with an account manager who placed me in a program that allowed me to make semi-reasonable payments with auto deduction. I re-enrolled in this program every year since that and have been current the entire time. However, in XX/XX/XXXX I received notification that my payment would increase. I called that month and was told that it would not increase until XXXX, but I would have to wait until then to request the continue the current payment. I called the first week of XX/XX/XXXX and was told that there was no program I was eligible for from two account managers with no explanation as to why. There was no attempt to work to resolve the issue that the payment is too high for me to pay after 3 years of perfect payments.
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 — Old information reappears or never goes away
Company: I.C. System, Inc. (MO)

On XX/XX/2020, I submitted a dispute to remove IC Systems from my credit reports. It was removed, however, it is showing back up today on my transunion report. The original creditor, XXXX, had removed it previously due to this being an account my ex wife opened without my knowledge and consent, but then it went to collections and reappeared on my reports. I need this removed as it has already been removed by the bureaus and is reappearing once again. I feel it is a matter of time before it shows up on the other 2 bureaus.
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NY)

My Wells Fargo Credit card has not report since XX/XX/2020. Since that time Wells Fargo should have reported twice. It is still showing my outstanding balance as {$7600.00} from that date. Since then I have paid my account down to {$2800.00}. I have called Wells Fargo last month and this month and they have not been able to rectify this situation. I have also sent them a letter 0n XXXX XXXX concerning this situation and there hasn't been any response from them.
Consumer complaint received 2020-08-28
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: EQUIFAX, INC. (CA)

On XX/XX/2020, I mailed a factual dispute letter to Equifax highlighting its inaccuracies and incompleteness of reporting in regards to my credit file. Enclosed with that letter was a correspondence letter from XXXX XXXX XXXX, XXXX with highlights that confirmed the incomplete reporting and the inaccuracies in my file. 
Equifax responded, XX/XX/2020. This was the correspondence letter that prompted my request for the description of how the reinvestigation was conducted and how Equifax determined verification of accuracy and completeness regarding the results of the dispute. 
Along with the request for description of how the reinvestigation was conducted and how Equifax determined verification of accuracy and completeness regarding dispute, I also requested Equifax to provide copies of any documents bearing my signature, showing a legal binding obligation, also, the name, address, and telephone number of each person contacted regarding this dispute. To date, I have not received a reply from Equifax or any acknowledgment.
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: EQUIFAX, INC. (FL)

I filed a Consumer Finance complaint previously with XXXX XXXX  regarding account XXXX. They responded and stated they would have the account removed from the credit bureaus, but when I check my XXXX  report the account is still showing.
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: ALLY FINANCIAL INC. (CA)

1. On XX/XX/XXXX, XXXX add a hard inquiry on my credit report per XXXX. 
2. On XX/XX/XXXX, ALLY FINANCIAL , INC add a hard inquiry on my credit report per XXXX, XXXX and XXXX. 
3. On XX/XX/XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX, XXXX and XXXX.