davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

I have been having issues with my student loan servicers regarding accessibility of information, transparency, servicer transfers, and payment refunds. My student loans were serviced by Fedloan up until XX/XX/XXXX, after which they were transferred to XXXX/XXXX  XXXX I made $ XXXX in payments to Fedloan during the COVID-19 forbearance period and paid the remaining $ XXXX to XXXX over the next several months , still within the forbearance period. I requested a refund of these payments when the BidenXXXX debt relief program was announced, on XX/XX/XXXX, and have been met with confusion, conflicting information, and stalling for months. It appears that Fedloan Servicing has lost information regarding my payment history when they transferred my remaining balance to XXXX/XXXX  because neither servicer can find history of it. As a result, XXXX is refusing refund of the first {$10000.00} of payments and delaying the {$17000.00} of payment history they do have record of. I have called Fedloan and they told me it was not their responsibility and that XXXX has to handle the refund. I have called XXXX 4 times, emailed once, and mailed bank statement history of payments directly to their office. Each call is met with operator confusion and telling me that the refund is processing on time but no one can give me a completion date. Every time I call I am told that it will be done by a different date, I was first told it would be done in 6 weeks, by XX/XX/XXXX. 4 weeks after my request, I got a letter saying it was just submitted and it would be 8 weeks to receive the refund, XX/XX/XXXX. First I was told that my loan balance would be reflected in XXXXXXXX XXXX website and then Studentaid.gov, now I'm being told I will get my refund and it will not update the balance? How am I supposed to pay off the loan then? In addition to the conflicting information, both Fedloan and XXXX 's websites restrict account access to website features once the loan balance is {$0.00}. XXXX prevents users from acccessing their account inbox to send messages and contact the company with questions or concerns. They then force uses to mail or fax to send documentation. Fedloan is the worst offender and restricts all access to the user 's account, including any and all payment history and tax forms. The current status from XXXX is that the refund is processing and is currently held up with their request to Fedloan for information regarding the loan payments that I made that they did not transfer and have no record of. These companies have truly mishandled my money and should be subject to punishment.
Consumer complaint received 2022-10-15
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: SYNCHRONY FINANCIAL (SD)

On XX/XX/2022 I was contacted by Synchrony Bank about suspicious charges on my Lowes Credit Card. Approximately, {$14000.00} was fraudulently charged. I verified with Synchrony that these were not my charges. They stated my address had been changed online and they updated it to my actual address and sent me a new card. The new card was intercepted by the fraudster and mailed to their home. XX/XX/2022 the newly issued card had approximately {$12000.00} fraudulently charged. Again, I called in and verified with Synchrony that these were not my charges. They issued me a new card which was intercepted again by the fraudster and on XX/XX/XXXX, {$12000.00} fraudulent charges were posted. I have had to call Synchrony 5 different times regarding this. They have nothing in place to verify address changes or suspicious activity on an account that already has recorded fraud. I just called Synchrony because {$8000.00} is reported on my credit report. The person I talked to was not from the United States and was very unprofessional and would not answer my questions. He kept telling me my card would not be sent because the account was frozen. I called to find out why {$8000.00} was on my credit report and he became very rude and talked over the top of me and would not listen. I had to raise my voice and talk over him. He told me my fraud charges were under investigation but he would not answer my question as to why, of all of the charges that have been fraudulently posted to my Lowes account, {$8000.00} is hitting my credit report. I would have prefer to speak to someone who is more helpful. I ended up hanging up on him because he was rude, unprofessional, inept and obnoxious.
Consumer complaint received 2021-04-13
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (SC)

The short of it is the credit reporting agencies are practicing unfair practices. For nearly 120 days this has been what it has been like for me. My story : Prior to XX/XX/2021 I had 12 or more credit cards, a car loan, student loans, personal loan. And credit card utilization of 70 % at any point and time prior to XXXX. Important note, NO LATE PAYMENTS IN FIVE OR MORE YEARS ON ANY ACCOUNT. 
Late XXXX, I paid all credit cards down to less than 10 % utilization. ALL of them. 

My credit score went up about 30 points on XXXX  and Equifax. For XXXX  it increase by more than 100 plus points. Roughly ten days later, for no reason known to me XXXX  change my score to within ten points of the other credit bureaus, reducing the score by 100 points. Again no change to any account and XXXX  just reduced it. 

Next I paid off my personal loan. No late payments on life of loan. My credit score DROPPED by 6 points for paying the personal loan off. 

Just to see what would happen, on a credit card with and already 9 % utilization I made a {$40.00} purchase. My score dropped by 4 points for the {$40.00} charge.

I paid {$140.00} on the same credit card a few days later. My score did not change at all.

I next paid off my car loan. My score dropped by 10 to 12 points. No late payments. Just paid it off. 

My point is I gain few points for on-time payments. I lose point for using the credit cards even if balances remain below 10 %, and I lose points for paying credit cards or other type loans. 

I can not win. I am a XXXX man. My wife, who is white, paid down her credit card balance but remain about 30 % utilization and she gain several points. Her score is higher than mine right now and her utilization is higher. Her debt to income is higher.
Consumer complaint received 2022-08-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (OH)

I am in active bankruptcy and have a past due balance. Through my bankruptcy plan, the trustee pays my monthly mortgage and an amount towards my past due, back balance. On XX/XX/2022 I submitted an application to The XXXX XXXXXXXX XXXX XXXX to assist with getting caught up with my mortgage. They approved my application and stated I was eligible for them to pay my back balance and 6 months towards future payments. XXXX sent the information to my mortgage company, Mr. Cooper on XX/XX/2022. According to XXXX, Mr. Cooper has the documents marked as received. I have called Mr. Cooper every week for the past 3 months trying to get them to submit the i-Record back to XXXX to finalize my assistance. This is a timed program and I am afraid I am going to miss out on the assistance. XXXX informed me to speak with the XXXX dept. Mr. Cooper stated the XXXX dept works behind the scenes and is unable to speak with me directly. I did speak to one woman directly several times, who was emailing the XXXX dept on my behalf. As of today they still have not completed the i-Record and sent it back to XXXX. XXXX also sent Mr. Cooper a delinquency notice, to let them know they have past the mark for a timely response. I have not heard anything from Mr. Cooper and I get transferred around to several different people if I call looking for help.
Consumer complaint received 2021-10-15
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: LEXISNEXIS (TN)

I obtained my LexisNexis credit report. On my XXXX credit report this needs to be removed from my credit file. This was removed from my XXXX XXXX XXXX because incorrect information. There were U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The United States Bankruptcy Courts Western District of Tennessee have mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies that i attach to my letter, nor do they ever validate and/or confirm public records also this dates are wrong. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the United States Bankruptcy Courts XXXX XXXX  of Tennessee confirmed XXXX Credit Bureau has never validated or verified these public record entries on my credit report, nor will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need this bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
Consumer complaint received 2021-12-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MS)

I suffered hardship during XXXX and applied for hardship with Wells Fargo. In XX/XX/2021 we came out of forbearance and applied for a hardship modification. My XXXX died and that caused a loss of income that assisted in paying the mortgage note. Wells Fargo will not give me definitive terms on what is being offered. I qualified for XXXX assistance terms under the most recent XXXX XXXX XXXX. At this point XXXX is telling me I either need to accept or decline that offer. i have no documentation on what the offer is. How can a consumer make a informed financial decision if they do not know the terms they are rejecting or accepting. XXXX is being difficult to work with and will not provide documentation of our options.
Consumer complaint received 2019-06-22
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. (CA)

THIS IS A LEGAL NOTICE AND WILL BE USED AS EVIDENCE IN A COURT OF LAW Since XX/XX/XXXX, and on several documented occasions within the past year ( XXXX ) I have requested Equifax Information Services LLC to remove the incorrect addresses from being reporting on my credit file and Equifax Information Services LLC has refused to remove the incorrect information. 
This incorrect information is causing me grave financial harm. Please instruct and force Equifax to remove the following incorrect addresses : XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX. 
Equifax Information Services LLC if you continue to refuse of not removing the incorrect information then please stop maintaining and reporting my credit information ; and remove or delete my credit file from your data bases. The information you report belongs to me, XXXX XXXX, and the credit information is my property not yours, so please perform your fiduciary duty of maintaining my credit information accurately. 
If you, Equifax Information Services LLC, refuse ; then please inform me that you will no longer maintain my credit information on your data base. 
If I am denied credit in the future due to your negligence of my maintaining and reporting accurate information then you, Equifax Information Services LLC, agree that you shall be solely responsible for any of my financial loss, the defamation of my character, any loss of any opportunity I loss and any other damages, harm caused by your negligence. 
Please remove the incorrect addresses within 10 days ; Equifax Information Services LLC if you refuse, I will commence legal action to obtain the monetary amount I informed you I would seek on the notice I sent via Certified Receipt # XXXX, in which you received XX/XX/XXXX. I will seek the amount I stated in a court of law. 
I am requesting for Equifax Information Services LLC to remove the incorrect information within 10 days. 
I certify under penalty of perjury this statement is true and correct.
Consumer complaint received 2022-08-24
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. (MN)

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Consumer complaint received 2018-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

Starting on XX/XX/2018 I tried to place a freeze on my credit reporting with all four of the credit agencies. I was successful with using on-line dialogues for XXXX, XXXX, and XXXX, but Equifax gave me an error saying that they could not complete my request at that time and that I should try again later. I did that several times, and then I called their Customer Service number and was told that there was a software upgrade in progress and to try back later. I did that, but got the same message. I have tried using their web-site frequently since then and always get the same message. I then used an on-line chat application to speak to a technical support person who gave me another phone number that he said would get me help. I tried that number, but the option menu did not include anything about credit freezes or problems with the use of the web-site. I tried again today, and tried to log into the account that I had set up with them. I was unable to log in successfully, so then I requested to change my password ( assuming that I had forgotten it ). I was informed that a message would be sent to my e-mail account with instructions on how to change me password. Nothing has come back from them yet. I am tired of hassling with them. So I am making this complaint.
Consumer complaint received 2019-06-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: U.S. BANCORP (NV)

I tried to withdraw money from my account and was charged a withdrawal charge. I was charged a total of XXXX for 5 attempts. Holy XXXX, I got XXXX. They XXXX XXXX me because I wasn't sure how much I would be XXXX. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

On XX/XX/2022 I contacted all three credit bureaus ( XXXX, XXXX and Equifax ) regarding unauthorized inquiries on my credit report and wrong addresses reporting also. They have not responded or removed the inaccurate information.
Consumer complaint received 2021-05-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Benworth Capital Partners LLC (TN)

Applied for PPP loan thru XXXX, SBA approved and funded, XXXX XXXX sent deposit on XX/XX/XXXX to my bank, and on XX/XX/XXXX initiated a reversal of funds from my bank account with no explantion. Contacted XXXX XXXX XX/XX/XXXX, spoke XXXX ( operator ) who in turn sent an email to the appropriate dept about my concerns ( XXXX XXXX ). XXXX XXXX has no working phones and do not respond to emails. XXXX XXXX sent email on my behalf to XXXX XXXXl on XX/XX/XXXX and someone called me only to be told " they have so many applications it would be impossibel to trace mine ''. I am going to file a police report for theft of funds if this is not resolved amicably.
Consumer complaint received 2023-08-01
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: EQUIFAX, INC. (FL)

I am interested in processing disputes on my credit report to delete an remove all inaccurate information with Equifax. ive reported alot of errors to all credit bureaus an nothing has been updated. this is my 2nd attempt to delete an remove all invalid data. please review an remove the listed items to clear an correct my credit report asap.
Consumer complaint received 2021-10-15
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)

Hello, there are 3 student loans reporting in my credit reports that I never opened. I never applied for student loans, I never even went to college. I have contacted XXXX, Equifax, and XXXX to request the removal of these accounts but, they came back verified by Dept of Education. I contacted the US Department of Education and requested documentation with my signature, proving that I applied for these accounts but, I never received a response. These 3 accounts reporting in my credit reports do not belong to me!
Consumer complaint received 2022-09-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NC)

Messed up my credit score due to false allegations and no knowledge of account refuse to remove reported this over 6 months ago company harassing me visa email and phone about an account that's not mine. About XXXX in debt wrong person
Consumer complaint received 2021-12-23
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: DISCOVER BANK (CA)

I have contacted Discover multiple times in regards to an account I used to have with them which shows a delinquency for some reason. I have been with them for over ten years. Out of nowhere Discover decided to close my account with them despite my prior ten years of history that I had with them. On one of the account that was closed, I still had a balance that I was making my monthly payments on. However, after the accounts were closed, Discover decided to make another arbitrary decision and restrict my access to the online banking software and thus restricting my method of payment. I couldn't reach them over the phone to make my payments because every single time I contacted them they were unable to help me and they thought that I had to speak with the Fraud Department of Discover for some reason. I never claimed the account was fraudulent, I always told them that I had to make a payment but by the time that Discover was able to process my request they gave me the worst time ever which led my account to be delinquent and past due on the payment. Discover from the beginning of this calendar year of 2021 and they have been passing judgements and arbitrary decisions regarding my accounts and personal information. I had flawless history with them yet the decided to close my accounts. Then, they decided to make another arbitrary decision of restricting my access to the online banking software so I can not make my payments. Ever since then, I have been contacting them personally to make my payments through the phone.
Consumer complaint received 2021-10-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (PA)

On XX/XX/2021 I was notified by email that my savings and spending account was being closed they did not disclose a reason. I use my chime account for my direct deposit and I also gamble legally through XXXX, XXXX XXXX, and XXXX XXXX. I withdrawal from the betting apps into my XXXX  then from XXXX directly to my Chime Banking account. I am not sure if that is why my account got closed but I have over {$9000.00} in my chime account that i do not have access to. I am writing this complaint so I can get the money that is rightfully mine back in my possession. On XX/XX/2021 I tried to call Chime support but could not talk to a live person. There is no function for that. I also called the XXXX customer service number and they transferred me right to chime. I also emailed chime and I am only getting automated responses back. I am attaching all of my deposits from XXXX where it shows I got the money legally and legitimately through online gambling.