davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-02
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: U.S. BANCORP (TX)

I was issued XXXX prepaid " Reward Cards '' from ELAN Financial Services / U.S. Bank for opening a couple of credit cards for clients while working for XXXX XXXX. 

I received XXXX cards in the mail in XXXX XXXX. Card XXXX was supposed to be pre-loaded with {$20.00}. Card XXXX was supposed to be pre-loaded with {$40.00}. I have never received this {$60.00} in full. 

When the cards arrived, neither of them had the correct balance that I was told they would have. The card with {$20.00} was reduced down to {$0.00} due to " inactivity fees '' before the card was ever received or activated because it had been allegedly funded back in XXXX of XXXX. The card with {$40.00} was reduced down to {$30.00} due to " monthly service fees '' before the card was ever received or activated because it had allegedly been funded back in XXXX of XXXX. 

The phone operators I called to request assistance were of no help trying to explain why the cards were assessed fees before they were received or activated, and informed me that the fee schedule ( 13 months of no activity ) begins when the card is funded, not when the card is received or activated. So if they send a card that 's already drained by fees, somehow this is my fault and I take the penalty for it. 

I activated the card with {$30.00} on it and attempted to make multiple purchases with the card. Despite activation, the card was declined at XXXX XXXX with a point of sale transaction, at a gas station, and with an online purchase on XXXX. When I contacted the company, they could give me no explanation for why the point of sale transactions were declined, but informed me that the online transaction was declined because activating the card was not enough -- I had to go online to a website and register the card as well. Despite multiple previous calls, no one bothered to explain this process to me at any point. 

Despite four attempts to use the card in XXXX, the card was still assessed a {$2.00} " monthly inactivity fee. '' When I call in to check a balance, the call drops due to an error in their system, and when you call in again, you get warned that they are going to assess a {$0.00} fee because you 're calling back a second time. When you call in to customer service to figure out why the card keeps on declining AFTER you activated it, not only do they not give you a straight answer until the THIRD call, but they assess you an a {$1.00} fee to give you incorrect information. 

These issues are beyond misleading and deceptive. The fee structure is ridiculously complex and hits you for everything you do to try to use the card, and the fact that they take money from you before you 've even received the cards is outright theft.
Consumer complaint received 2015-12-01
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (VA)

I opened a PayPal account XX/XX/XXXX for an eBay purchase and have only used my PayPal account sparingly since then, never experiencing any issues until this XX/XX/XXXX. XX/XX/XXXX I sent {$100.00} to a friend using PayPal ( no different than I had ever done in the past ) and I assumed the payment went through because there was no reason to think otherwise. To my dismay, XX/XX/XXXX/XX/XX/XXXX, I received a call from a collection agency saying that I owed money on my PayPal account. Specifically, I was told that I did not pay back my PayPal line of credit, so in addition to the {$100.00} payment and {$3.00} PayPal convenience free, I also owed a {$25.00} late fee. I was upset because I never established a PayPal line of credit, and assumed that my PayPal account was linked to my credit card and/or bank account as it was in the past. This felt sneaky to me, especially since I had to pay a convenience fee to use the service, only to get burned with late fees later on.
Consumer complaint received 2016-07-02
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Paypal Holdings, Inc (NY)

I have been using PayPal Credit for years to make purchases online from various retailers, and have been enjoying their payment terms immensely, but I am very distressed by the fact that, notwithstanding my impeccable payment history and nearly {$4000.00} of unused available credit, this account is not reporting my credit behavior to the credit reporting agencies. PayPal Credit functions essentially identically to a credit card, and it runs a hard inquiry on your credit report when you apply for it, so I do not understand why it is permitted to withhold valuable consumer information about its users from the reporting agencies. There should either be a requirement that any creditor who runs a hard inquiry as part of their evaluation about credit issuing decision has to make regular reports to the agency they use about the credit behavior of their borrowers. Alternatively, borrowers should have a way to report their own credit behavior to the agencies.
Consumer complaint received 2016-11-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

Consumer Name : XXXX XXXX XXXX Date of Birth : XXXX XXXX, XXXX Consumer Social Security Number : XXXX Consumer Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX There is a fraudulent credit inquiry on my credit report submitted by XXXX XXXX XXXX on XXXX/XXXX/XXXX. 
In accordance with the Fair Credit Reporting Act, an entity may NOT procure a consumner report, or cause a consumer report to be procured, unless the consumer has authorized in writing authorization in the procurement of the report. 
It is my legal right do demand immediate removal of such credit inquiry by XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX from all credit reporting agencies. According to FCRA 616, Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] can and will be enforced. 

If XXXX XXXX XXXX feels otherwise, provide all forms of communication proving the credit inquiry authorization directly to myself, the consumer, XXXX XXXX. It you can not remove immediately.
Consumer complaint received 2016-05-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (TX)

I 'm returning because I continue to have issues with my lender, my tracking number was XXXX In XX/XX/XXXX on my account statement shows activity for reversal payment which has not happen thus far, approximately XXXX In XX/XX/XXXX I Paid and escrow bill {$30.00} dollars, I 'm unable to denote the actual amount that went on my escrow, I have made every attempt to keep this account in good standing, Seterus is making this very difficult.XX/XX/XXXX Seterus states my payment will increase! 
I can not afford a lawyer, I feel that I truly need one, hopefully someone will hear my plea and help me, My previous request for help ended very minimal and my back remain against the wall, I am asking to have my account audit to make sure my principle is as stated I 'm requesting acceptance of my deferred taxes from XXXX county [ I have the affidavit ] and the escrow account be closed, with all monies in the account go toward my principle I 'm requesting that the reversal of XXXX XXXX be applied to my account I 'm requesting that revision of my payment schedule to only include principle and interest
Consumer complaint received 2017-01-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NY)

My wallet was stolen on XXXX XXXX 2016 with all my information social security, debit and credit cards, Drivers license. The perps have used my social to open credit card accounts under my name I 've reported the situation to the credit bureaus I 've placed a fraud alert and only transunion has deleted the fraudulent inquiries I 've had about XXXX inquiries since XXXX XXXX and XXXX account was opened. I 've reported this to the FTC and my local police I 'm a victim of identity fraud and I need help. The perpetrators address has been added to my own credit report as if it 's mine.
Consumer complaint received 2016-08-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (KS)

I have been deputing XXXX accounts from XXXX XXXX XXXX on Equifax for the last six months. It has been removed twice and then gets put back on within a month or 2. Tried to call and get them to correct but act like they ca n't understand what I 'm saying and have to repeat several times and get no where. I have attempted 3 times since it showed back up to get it redeleted and nothing.
Consumer complaint received 2016-06-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (IN)

I sent a dispute to Equifax based on inaccuracies being reporting by XXXX XXXX XXXX XXXX XXXX. My account with XXXX XXXX XXXX XXXX XXXX is set up on automatic payment deductions, bi-weekly and the Credit Union failed to take out the payments, which resulted in late payments being reported to the XXXX major credit bureaus. I spoke with XXXX in the loan department at XXXX XXXX XXXX XXXX and asked her to correct the information. She indicated, XXXX XXXX XXXX XXXX would correct the inaccurate reporting when disputed when the XXXX credit bureaus. XXXX stated, the credit unions policy is to have the consumer send in the dispute and when contacted by the Credit Bureaus, they will report the account as on time and asked that the information be corrected in my credit file. 
It is my understanding when XXXX XXXX received the dispute, they requested the information be corrected, to show on time payments. However, Equifax deleted the account in question, as well as deleted XXXX other accounts with XXXX XXXX XXXX XXXX. XXXX secured installment account reports ; " Paid in full with on time payments '', the XXXX account is for an auto, which is open and show on time payments since XXXX XXXX and the XXXX account in question, is an unsecured installment account, opened in XXXX XXXX and should have shown on time payments. A total of XXXX accounts were removed with perfect payment history as a result of my dispute. The removal of the XXXX accounts from my credit file, is highly injurious to my credit rating and did reduce my score, contributing to my inability to secure a mortgage recently.
Consumer complaint received 2015-10-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (OH)

I have I submitted XXXX letters to the credit reporting agency asking for verification of account and how the verification as obtained. All letters were sent certified. I am questioning FCRA 611 nd FCRA 609 process. 
To date I have not received any reply to by letters sent certified on XXXX XXXX 2015 and XXXX XXXX 2015 certified. The Credit reporting agency has refused to reply and provided proper documentation for the records I listed in the correspondence and remove the items since not reply was provided. All copies of the letters and certified mail receipts are attached.
Consumer complaint received 2016-11-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (OH)

I have worked with XXXX bank regarding a loan that was paid off in XXXX. It started to appear in my negative credit portion of my account in XXXX XXXX showing I was currently delinquent. I worked with the bank and OCC and they removed it from all my credit bureau as it should have been in my positive credit. Please see the attachments for XXXX of XXXX. All XXXX bureaus were corrected. Then in XXXX Equifax started reporting it incorrectly again. I worked with the bank again and OCC and they XXXX have determined it should be removed ENTIRELY off my credit. I have enclosed the letters dated for XXXX XXXX of the investigation that was completed. I have waited for a number of weeks and Equifax is still reporting it negatively. I have disputed it again with Equifax and they refused to remove it from my credit. Please see the most recent credit dispute with them. This is costing me more money in loans as my credit score is not correct and creating a hardship. The XXXX Bank account needs to be removed immediately from my credit. If it continued to report, I will have to file a lawsuit again Equifax and XXXX bank. I have indisputable evidence that the OCC and XXXX bank XXXX agree the information that is being reported by Equifax is incorrect and is in violation of the fair credit reporting.
Consumer complaint received 2016-09-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

XXXX is reporting that I have XXXX outstanding debts with their company, on my credit report. They are reporting XXXX separate debts of {$1700.00}, {$520.00}, and {$480.00} respectively. I am unaware of any of these. I have contacted XXXX numerous times requesting a verification of these debts, but the will not give me any information about the origin of these debts they are reporting. They just ask me to pay them, even though I do n't know what they are.
Consumer complaint received 2016-09-28
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (LA)

I purchased my home in XXXX and was not required to have flood insurance because I was in Zone X. My servicer was XXXX. At some point in the last few years my servicer changed to Seterus. In XXXX FEMA changed the flood maps in my area and placed my property in Flood Zone AE ( high risk ). I did not get any notification of this change from FEMA nor from Seterus. I was unaware of the change until recently when my home flooded with XXXX ' of water from the XXXX flooding. I checked with my neighbors and most of them got notifications from their mortgage company when the maps changed telling them they had 45 days to provide flood insurance or it would be placed for them. I have read that it is a Federal Law for mortgage companies to place flood insurance on their assets to protect them when they are in high risk flood areas. As I understand it is their responsibility to know this information and inform me. The situation now is that I have a home worth pre-flood XXXX but now needs XXXX to rebuild. I currently owe XXXX on the original mortgage. I feel that the servicer or XXXX or FEMA bear some responsibility in not having the coverage I needed. I have gotten some money from FEMA as disaster relief but not to cover rebuilding. The home currently is vacant and not livable. I have called Seterus and they give me the run around sending me to their Insurance department XXXX who then tells me I do n't have Flood Insurance. ( I know ) They tell me I can not talk directly to their property mitigation department nor directly to XXXX about getting help with rebuilding costs by way of cash or mortgage reduction. I do n't want to walk from the house but the numbers just do n't add up. I need to find the right person which has not happened to date.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: PNC Bank N.A. (NY)

I have been in contact with PNC about repayment of a private loan. I spoke with them explaining I would not be able to pay the monthly payments because they are too high. 
In XXXX I XXXX and became XXXX and unable to work. I have told them this and asked for a loan modification but was denied. I have been speaking with them since XXXX about this issue. My first payment was due yesterday XXXX/XXXX/17, it was {$730.00}. I simply can not afford it. All I have asked was for an affordable monthly payment, but PNC has said there is nothing they can do. I want to pay but I am just unable to afford the payments.
Consumer complaint received 2016-05-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX XXXX account number XXXX See attached documents. This account should read XXXX balance and CLOSED. 

The attached are from FEDERAL BANKRUPTCY COURT. Signed by a FEDERAL Judge. 
Failure to properly note credit report is violation of FEDERAL LAW! 
This is solely on EQUIFAX not XXXX XXXX. 

EQUIFAX will be reported to XXXX XXXX Bankruptcy Trusteee and Magistrate if this inaccurate information is not corrected. LOOK AT THE DOCUMENTS ATTACHED!!!!!! 

They are from FEDERAL COURT. They Trump any documentation by XXXX. 

The ACOUNT SHOULD read CLOSED and XXXX balance just like the DOCUMENTS FROM FEDERAL COURT!!!!!!!!!!!!!!!!!!
Consumer complaint received 2016-07-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (KY)

When leaving to XXXX XXXX military status I am protected under the Servicememeber Civil Relief Act and XXXX and My apartments I was living in at the time XXXX XXXX XXXX XXXX reported my information. I settle the case with XXXX because they originally had charged me for cancellation which was disputed and removed from them and i paid the remaining bill of around XXXX dollars to close the account. Same with XXXX they have been paid off but under the act it should have never been reported because the only reason why the contracts were broken was due to me changing over to XXXX XXXX status. When disputing this information for the credit agencies, XXXX corrected the matter though I had to dispute it twice. While, equifax and XXXX corrected the balance but refuse to remove the account. I was told to contact the company which was already done because that is how I receive the knowledge to send the credit agencies my information to be removed. Therefore, it is now a pointing game on who needs to remove it from my collection account and it is becoming very frustrating when I have a act in place to protect me from all this. Attached are my order from the time I had to leave for XXXX XXXX status proving the time these companies reported me in collection I was XXXX. This information has also been provided to the credit agencies and still they keep declining the dispute even when I called they informed me that I have to keep it on there for 7 years when it should have not been reported in the first place.
Consumer complaint received 2015-09-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

I sent XXXX And Equifax multiple requests regarding removal of an old mark on my credit from XXXX XXXX XXXX. 

Accordingly, I can show a judge that these accounts meet the requirements for removal and that they violated the Fair Credit Reporting Act by ignoring my requests to delete them. My previous letters -- all sent certified mail -- stated my reasons for an investigation and these reasons were not frivolous in any way.
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2016-01-09
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: LendUp Loans LLC (WA)

I applied for a payday loan in the amount of {$250.00} from LendUp.com. As of now, they show that I still owe them but I never received the money because while it shows it was successfully deposited on XXXX/XXXX/14 ( which was my ONLY deposit on XXXX/XXXX/14 ) there is also a reversal of {$250.00} + a {$5.00} fee charged to my account. So, I essentially never received the money. They are still saying I owe them, when I have the bank statement that shows that XXXX deposit on XX/XX/2014- then a reversal for that same amount, as well as the overdraft balance of XXXX as a result of the {$250.00} being reversed on my account. 

You are n't able to speak to a live person when you call, they are on a regular M-F XXXX-XXXX schedule, and you have to basically schedule a call back so you end up paying phone tag and nothing will get resolved.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

I have been paying on my student loan almost XXXX years. They are saying my principal balance has only gone down {$390.00} after all this time. They say I have another XXXX years left before it 's paid off. The original loan was {$5000.00}. The principal balance is {$4600.00}. This is at 11.8750 % interest. It just does n't seem to add up. I have asked for a payment history, but have only receive a partial. XXXX XXXX was who the original loan was through before Navient took over. All the payment history that was with XXXX XXXX they have refused to give me. I have tried several times, but what they give me always has missing information or inaccurate information. They ca n't explain to me why this balance has n't gone down more than it has. I always get the run around with them and it always seems like they are hiding something. Please Help!
Consumer complaint received 2016-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (FL)

I called to notify my lender that I was still XXXX in order to get an XXXX deferment on my loans and payments due ; however I continued to get statements showing a payment due as well as accumulated late fees. I called again to inquire as to why I am still being charged late fees if I am enrolled in school half time. I was told by a representative that they had not received proof of school enrollment through the national clearinghouse. I then asked if the late fees would be reversed once my enrollment and date showed on the national clearinghouse site and I was advised that those late payment fees would still apply even after my enrollment date shows I was eligible for a XXXX deferment. I was then offered to be put into a forbearance status until they receive my enrollment proof ; however this would count against any future forbearance that I would be eligible for and the representative did not reveal this information to me until I asked. I immediately contacted my university that I 've XXXX with since 2014 and was advised that they send enrollment information on the XXXX of each month ; therefore I feel as though Navient is charging me unnecessary late fees and ultimately causing my payments and interest to be higher. My payment was not due until XX/XX/XXXX and I was already XXXX therefore Navient should not charge me late payment fees.