davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (VA)

Thank for you hearing my complaint. Upon hearing of the new expanded loan forgiveness program in late XX/XX/XXXX ; I started the process of applying in early XXXX and sent my application to FedLoan servicing via fax on XX/XX/XXXX. Upon not receiving any confirmation, I called FedLoan to ask whether my application was received. I was told my application was not received and to fax it and even mail it. After several weeks of back and forth I received confirmation that the application was received in late XXXX and early XXXX. After a quick turn around, I received a letter stating that I did not qualify for neither XXXX or XXXX. Understandably, I would not qualify for the former but I researched and was told by representatives that I would qualify for XXXX ( the waiver would not be needed ). After evaluation, I noted that only 102 payments were counted towards XXXX and that years of payments were not evaluated in their determination from XXXX to XXXX. No explanation was provided and was told I had to reapply to the program ( note that to reach a representative it takes approximately 2 hours only to be transferred from one person to another ). I reached out to my prior loan servicer XXXX and they told me that all payment history was sent to Fedloan. I took the liberty and requested the complete payment history and uploaded to their website ( FedLoan ) for further review on XXXX which included years of missed payments by FedLoan ( uploaded here ). A month later I contacted FedLoan numerous times to only be told that it is under review despite a quick response earlier rejecting my application using erroneous information. As of XX/XX/XXXX, I further contacted FedLoan to be told that my application has not been evaluated at all and has been sitting for over a month. Evaluation of my application was handled incorrectly and a quick response without needing further consultation with the Department of Education regarding the limited waiver should have been conducted by now. Due to the incompetence of FedLoan and the inability to expedite my application under the well established XXXX  rules, I am filing this complaint. I am in the process of purchasing a house and my student loans ( which should be forgiven under both old and new rules ) could affect my ability to secure a loan.
Consumer complaint received 2021-10-08
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: CITIBANK, N.A. (NY)

I have three credit cards that are open with my name attached to them that do not belong to me.They show up on my XXXX XXXX report and I believe its not allowing me to open my own credit card. Accounts below with balances that are due. 

XXXX XXXX {$1600.00} Balance XX/XX/2021 ( AUTHORIZED USER ) *CITICARDS CBNA {$17000.00} XX/XX/2021 ( AUTHORIZED USER ) *XXXX XXXX {$150.00} XX/XX/2021 ( INDIVIDUAL USER )
Consumer complaint received 2015-10-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Southwest Credit Systems, L.P. (VA)

XXXX and XXXX was included in bk XXXX XXXX of virginia. They have transferred or sold debt to collection agency which in return is on my credit report in collections status. They stating the info is correct and will not remove out of collection or off my credit report. Now I getting collection mail for accounts that was discharged thru bankruptcy.
Consumer complaint received 2023-05-06
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. (GA)

I'm filing this complaint to alert you that I was the victim of identity theft. I looked into how to delete the bogus entries from my report and discovered that I needed to file a report with the FEDERAL TRADE COMMISSION or https : //www.ftc.gov. Credit reporting agencies are required by FCRA section 605b to remove/block any items reported on an id theft report. Please see the ATTACHED documents to help you stop the incorrect information that is being uploaded on my report. 

The following is a list of items that do not belong to me and were opened without my consent. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$960.00} ; XXXX XXXX XXXX XXXX XXXX : {$6800.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$410.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$620.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$670.00} XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$120.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XXXX XXXXXXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GULF COAST COLLECTION BUREAU, INC. (GA)

I received a call today from XXXX XXXX XXXX XXXX in XXXX FL the phone was dead and there was no indication of who it was. When i called back, i spoke with a person who wanted information from me but would not give any specific information to me so I could validate my debt. She was rude and said I owed {$940.00} for a visit to an emergency room on XX/XX/XXXX!!!! Its XX/XX/XXXX!!!. I was not given standard disclosure about collecting a debt and I hung up on her. Then I called the hospital who then referred me to the emergency room doctors. I then called the emergency room doctors business office and they told me that there was a mistake that I owed {$200.00}!!! The doctors didnt know why the collections agency quoted {$940.00} nor why they waited till 18 months to collect any debt!!! I told them I never received any bill from either the collections bureau or from the doctors office - to wit the doctors office said it was returned as undeliverable -!!! Thats impossible as this house has been here 200 years and I have owned it since XX/XX/XXXX. I paid the doctors {$260.00} on the phone today- but I am suspicious that this issue wont go away and that my credit is affected.
Consumer complaint received 2016-01-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TN)

Simply put, Wells Fargo sent me a letter on XXXX saying that my home loan adjustable interest rate is now 3.00 %, and starting XX/XX/XXXX my adjustable interest rate would remain 3.00 % for a year. On XX/XX/XXXX I received the exact same letter stating that starting XX/XX/XXXX my home loan adjustable interest rate is now 3.375 %. 
I relied on the XX/XX/XXXX letter and did not refinance.
Consumer complaint received 2015-08-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I have an inquiry on my credit report from XXXX XXXX XXXX XXXX. I have challenged this inquiry monthly for several months with the bureau and the creditor asking for the application because I do not recall authorizing this inquiry. No application has been provided in order for me to determine if this was an attempt at identity theft. Each month they send the exact same response saying they can not comply.
Consumer complaint received 2022-10-05
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. (NJ)

in accordance with the fair XXXX  Fosporing act XXXX XXXX my rights 15 US C 1681 section 802 A. States I have the right lo privacy.

15 US. C 1881 Section 804 A Section 2 : 2 also states a consumer reportng agone ) can not fumish a account witout my writen instructions XXXX XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Account type Collection XXXX XXXX XXXX XXXX  Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Charge Card XXXX. XXXX XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan XXXX XXXX XXXX XXXX Account XXXX XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan
Consumer complaint received 2015-11-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CA)

I an writing in regards to my credit balance with XXXX XXXX XXXX. I currently have a maximum credit limit available to me of {$800.00}, which I have owed over {$790.00}. However, I have paid this credit card down to {$280.00} and this amount has not been reported on my credit report. Therefore, my credit card utilization is incorrect and reflects inaccurate information ... which has reduced my credit score.
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 — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve.My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX Date of inquiry XX/XX/2021 XXXX XXXX  Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2021
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX
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: EQUIFAX, INC. (MA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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
Consumer complaint received 2021-10-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX there was an advertisement on XXXX from a woman with username XXXX  She was teaching a class about finance. Her website was XXXX. I clicked on her ad and she said the class would cost XXXX. I sent the money to XXXX. After I sent her XXXX she said I needed to pay XXXX  for some mining fee. I sent the remaining to a XXXX. I realized I was being scammed when she kept asking for more money and fees. The website she uses doesn't even work and I was never given any materials to study. She completely lied about her class and scammed me. I reached out to chase fraud department and they did absolutely nothing for me. I been a loyal customer of chase for a very long time. I even paid off an entire mortgage using Chase bank and they dismissed everything. I reported my case to the Texas attorney general after chase wouldn't help me. Next I'll report to the local police department. Please help me get my XXXX back. I was totally scammed.
Consumer complaint received 2021-10-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: KEYCORP (WA)

Key Bank wanted to charge a large processing fee upfront before handing a loan estimate. This is not allowed as per the consumer finance website " By law, the only fee that lenders are allowed to charge you before issuing a Loan Estimate is a small upfront fee to pay for pulling your credit report. The fee will usually be no more than {$20.00}. ''
Consumer complaint received 2015-06-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (VA)

My name is XXXX XXXX I had a dispute with this information on my credit report. 
Credit ItemsXXXX XXXXAddress : XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Account Number:XXXXOriginal Creditor : XXXX XXXX. 
Address Identification Number:XXXXStatus : Collection account. {$810.00} past due as of XX/XX/XXXX. 
Status Details : This account is scheduled to continue on record until XX/XX/XXXX. 
This item was updated from our processing of your dispute in XX/XX/XXXX. 
Date Opened:XX/XX/XXXXReported Since:XX/XX/XXXXDate of Status:XX/XX/XXXXLast Reported:XXXX Type : CollectionTerms:XXXX MonthsMonthly Payment : $ XXXXResponsibility : IndividualCredit Limit/Original Amount : $ XXXXHigh Balance : NARecent Balance : $ XXXXRecent Payment : $ XXXXPayment History:XX/XX/XXXXAccount History : Collection as of XX/XX/XXXX The address in number used on this is wrong I did not have direct tv. I did not live tat the location they have listed for this. I never signed for this either. I am not sure how this account came to be. They have not showed me any proff that this belongs to me nor provided me any information. The address identification listed for this address was my ex-husband who is now deceased.This is the address id information : Address:XXXX XXXX , XXXX XXXXAddress identification number:XXXX. 

I do not know how this account came to be and I never signed for service. I can provide proof needed showing I did not reside here, I did stay with him for about 2 weeks but that is all. I would like this removed from my credit report. Please let me know what I need to do to have this matter taken care of.
Consumer complaint received 2021-10-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (AZ)

I bought Crypto currency in XXXX of XXXX and XXXX of XXXX XXXX My account was limited and Paypal refused to tell me what happened. I had a regular balance in my account and after 180 days i was able to get that out. They told me the Crypto would be release in an addition 180 days which out that release date at XX/XX/XXXX. As of today, Paypal refuses to release this and refused to transfer me to any higher manager successfully. I have been patient and now upset as I am unable to withdraw my current Crypto Balance which is currently at Crypto BTC {$1200.00} Available value. I have called daily and get the same refusal and " we will put a help ticket in but can not give you a time frame to when they will get to it ''. Paypal did not hold up to their promise and instead treat me like a criminal. They also never respond to my emails. Thank you for helping. 

Transaction Date : XX/XX/XXXX Amount : {$500.00} Transaction ID : XXXX Transaction Date : XX/XX/XXXX Amount : {$51.00} Transaction ID : XXXX
Consumer complaint received 2015-05-26
Product: Credit card — 
Issue: Late fee — 
Company: REGIONS FINANCIAL CORPORATION (NH)

invoices arrive the day before the due date. I pay the invoices the day they arrive in the mail. My account is charged a {$75.00} Late because payment is n't received on time. Because its impossible to meet the terms of the card. There is no doubt in my mind they delay sending my invoices to intentionally collect the late fees. This card is a scam. 
I tried paying my latest invoice over the internet but surprisingly the feature on the account never works. This card is a scam and this company is making an exorbitant amount of money on late fees that cant be helped by the consumer. I want all my records deleted from their company and will seek damages.
Consumer complaint received 2015-05-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Original creditor XXXX paid- account in good standings. 
Portfolio Recovery reporting same account with wrong Original Creditor listed. Reporting Late as 0f XXXX/XXXX/15 on XXXX and XXXX credit reports. Do not owe debt. No terms/agreements. Also, Portfolio Recovery modified account number from XXXX account and reporting it on XXXX account. Original creditor XXXX- aged account XXXX - Paid
Consumer complaint received 2024-02-25
Product: Credit card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A. (VA)

Citibank has changed its lending practices and is now restricting individuals who only receive non-taxable income from applying for XXXX XXXX credit cards. My uncle died last week, and I wanted to return to CT for his memorial service. I have GOOD credit with XXXX XXXX and, during the pandemic, applied and was approved for a card through them to fly. They recently discontinued their program, and now the only cards they offer are backed by Citibank. Citibank 's process prohibits consumers from applying if their total income is non-taxable. For instance, if you are a veteran and totally XXXX, you are restricted from completing the Citibank application process or claiming your total income as non-taxable. I believe their lending practices are discriminatory toward individuals whose sole income is non-taxable and specifically target and restrict people whose total income is XXXX or XXXX-based. Their process never included this caveat until now. I believe it to be a prejudicial and discriminatory lending practice. Based on their current lending practices, they should be prohibited from contracting with the U.S. Government. I was restricted from completing the application process, and unable to apply over the phone due to my XXXX. Citibank provides no other means for contacting them via e-mail, and I do not use social media. I find their NEW guidelines and restrictions on creditworthiness elitist and prejudicial.
Consumer complaint received 2022-01-19
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Specialized Loan Servicing Holdings LLC (NV)

During Covid, I was in a forbearance with XXXX XXXX, in XXXX of XXXX, they notified me that my loan would be serviced by SLS. At that time, I could no longer get a hold of anyone SLS and neither was able to get into my account on XXXX XXXX. 
After many calls and paperwork with SLS, I went into a 90 Day Loan Modification trial period. 

As of XX/XX/XXXX, my trial period was over. 

I received a notice of my final statement for my XXXX, XXXX, XXXX payment on XX/XX/XXXX. That day my credit report app and bank alerted me of a drop in my credit rating dropped over XXXX points. I noticed the " reason '' and it showed SLS had reported my mortgage was over 120 days late. Missed payments is what the credit report shows. 

I now have a letter from SLS congratulating me of my Modification Agreement and to please sign and return. 

Because I am now outside of my XXXX trial period, I am trying to refinance my loan to get a better rate. I can not get a better rate because they reported my loan to be over 120 days late. 

I have called SLS and informed them of the credit issue and they said that once I send back the paperwork, then they would address the fixing the credit report. 

I understand the forbearance and modification would never hit my credit report. 

I really need help getting this fixed as rates continue to go up, I can't get out of this loan with SLS to move on.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I am writing this complaint regarding late payments with CAPITAL ONE. There are late payments being furnished on my consumer reports that are incorrect. I was never late regarding this account. I am requesting that these late payments be removed. I have already called CAPITAL ONE to confirm this to be true. It is in fact an error. I was told to dispute it with the consumer reporting agencies. The late payments are an error. XXXX XXXX XXXX BILLING ERROR.