davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (WI)

I called Aidvantage on XX/XX/22 to request a payment refund and my loan re-instated ( since it was previously paid-in-full ). I was given a timeframe of XX/XX/22 for the refund request to be approved, my loan account being " revived '', and being able to see my balance updated on my Aidvantage account online. Within 4-6 weeks from XX/XX/22 the balance would be updated on XXXX, would be sent to the Treasury XXXX for a refund, and the Treasury XXXX would send a direct deposit to the account the refunded payment originated from. 

On XX/XX/22 I called Aidvantage and they stated that there is not an approval as of yet. There are also no estimates or timeframes for when this will be approved and the loan re-instated and balance updated on Aidvantage will be done. The rep said it may be another 4-6 weeks to see the balance updated. ( At this point, it is 12 days past the XX/XX/22 date provided for seeing the loan balance updated on the Aidvantage website. Based on the rep 's suggestion, by the time I see the balance updated on Aidvantage 's website it would be 40-54 days past the original estimate of XX/XX/22. ) On XX/XX/22 I called Aidvantage to see if the refund is now approved. The representative stated they actually don't do approvals anymore, and they stopped requiring approvals prior to when I made my original request on XX/XX/22. However, there are not any notes that it is denied or further information is needed. This feedback is different than the feedback I received in the first 2 calls. The rep stated I may see the balance updated by the end of next week, but did clearly point out he was not certain and it may be different. ( At this point, it is 14 days past the XX/XX/22 date provided for seeing the loan balance updated on the Aidvantage website. If the rep 's estimate is accurate, when I see the balance updated on Aidvantage 's website it would be 21 days past the original estimate of XX/XX/22. ) As of today, I am getting conflicting information on if this is sitting somewhere waiting for an approval or not, and different estimates on timeframes. The estimates for just seeing the balance updated on Aidvantage 's website vary wildly and are extremely conflicting.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc. (PA)

In XXXX of XXXX  my federal student loans for the XXXX XXXX XXXX XXXX were discharged. My loans were dispersed between two servicers. One servicer discharged the loans properly almost immediately and reported it properly on my credit report. However Sloan / Nelnet did not. Eventually I filed a complaint with both the department of education and Sloan to see what was stalling the discharge. They acknowledged that loans should have been discharged, but while my balance on Sloan 's website now does show XXXX, they are still not being properly reported as discharged. I filed a dispute through XXXX  to rectify the situation and the dispute ended in them actually raising the total balance owed through the loans. I'm filing this complaint because I need these loans to be properly removed from my credit report as they are supposed to be. These are the main thing keeping me and my family from obtaining a mortgage. I've attached both a copy of the discharge letter and screen shot of sloan showing the XXXX balance owed. I can provide any other information as need be
Consumer complaint received 2023-06-09
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2020-10-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commercial Trade, Inc. (NV)

I am disputing a debt fr om Com Trade. I have no knowledge of this account nor am I connected to this debt whatsoever. This debt was sent to the wrong person and I want it gone immediately. Overview You have 145 % left to pay on this collection.
Balance {$4400.00} Highest Balance {$3000.00} Opened XX/XX/2016 ( 4 yrs, 5 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (MD)

My credit card payment was due on XX/XX/XXXX at Discover -- I never received a statement of notice that the account was late on XX/XX/XXXX -- via email or mail ( I received daily US postal scans ) I have a copy of all scanned mail and none from Discover. I was never notified that I was a day late. I also, contacted XXXX ( case number XXXX ) to verify that I received no email from Discover in the month of XXXX ). Not even my monthly statement that I should have received on XX/XX/XXXX. Therefore, no emails from Discover was received to my XXXX email or Spam folders, etc. I received an email on XX/XX/XXXX that payment was late, of which I paid immediately, the same day. However, Discover had sent late payment with no grace period or notice to the Credit Bureau on XX/XX/XXXX. I should have received some type of communication prior to sending this directly to collections. My credit rating has been XXXX for over 20 years!!! This is unacceptable! Yes, I was late with XXXX being a short month and the day my payment was due, but I was due a NOTICE or GRACE period. I am in the process of seeking legal action. Do I have a case? Thanks in Advance I live in the Maryland area. My address is XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MD. XXXX -- email address XXXX XXXX
Consumer complaint received 2023-01-22
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: Bay Area Receivables, Inc (MD)

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reported is not accurate This is grounds for removal. 

They also violated my rights under 15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-12-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Freedom Mortgage Company (MD)

First communication was established on XX/XX/XXXX. I informed them based on my current loan amount, and original appraised value and seasoning, I would be eligible to remove my PMI. I followed up on XXXX and they said additional research was needed. On XX/XX/XXXX they got back to me stating " Please be advised that as as per XXXX XXXX investor we considering sales price {$540000.00} below is the calculation of XXXX : XXXX =current unpaid principal balance ( UPB ) / sales price amountXXXX = $ XXXX $ XXXX XXXX % Please send the signed PMI cancellation form and the XXXX fee of {$190.00} to order the XXXX. Please note that we can not order the XXXX  until we receive the XXXX fee. The XXXX fee may be sent by mail or paid via telephone at the number below : The signed cancellation request form and XXXX  fee can be mailed to the following address : '' I am not away of a retirement to request a XXXX  for having PMI removed if all requirements are met. 

I then called and they told me to wait until XXXX, so I did. Sent them a message in the portal on XXXX XXXX for PMI removal, XXXX got an automated message saying it was sent to their PMI department. Followed up on XXXX and still haven't heard anything.
Consumer complaint received 2023-01-22
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: Experian Information Solutions Inc. (CA)

Re : Unauthorized Credit Inquiry & Fico Score error To Whom It May Concern, In XX/XX/2022, I received a copy of my credit report. The credit report showed a credit Inquiry error by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an Inquiry on my credit file, unless I have authorized it. Please have my fico score points restored back to my credit file where my fico score was before your error/mistake was made immediately, because it is making it very hard for me to acquire credit. 

I am also requesting that you request a rapid rescore on my behalf from Experian. 

I have also sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you've restored my decreased fico score points. 

If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary. 

Thank you, XXXX.
Consumer complaint received 2023-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (UT)

I had a personal issue that caused me some life disruption, leading to the the account to which my auto-pay was connected to run empty and thus I missed my timely minimum payment. I quickly noticed the error ( more than XXXX week, but less than XXXX days ), made the payment from another bank account, and set the new bank account to auto-pay to ensure I didn't let this happen again. Or to reduce the chances, let 's say, because mistakes happen -- right?! We still believe that, that mistakes happen, right?! 

Citi closed my account. With no other explanation. They sent me a letter that said they periodically review accounts, and since I recently made a late payment, my account was closed. I called them, and they said if the letter doesn't contain options for reopening the account then there is no option/offer to reopen the account. 

Now I've been a " good customer '' of theirs, paid plenty in interest over the years, so I don't even understand their business motivation, much less whether and how this is legal. I don't recall ever being late on a payment previously. I often pay the balance each month but lately I've been carrying a balance for them to charge interest on, so I don't see what they are thinking. I have good credit over XXXX and you don't get that if you're late all the time. 

I do have two theories as to what may be going on and they are quite opposite one another. 1, to explain the overreaction and too abrupt a response, perhaps it's inadequately monitored algorithms moving so quickly they are cutting of Citi 's nose despite Citi 's face ( and customers ). If it's not algos run amok, perhaps the card issuers collude to keep consumers in unfair terms and prevent consumers from playing the issuers off of each other with sudden disruptions. I did just recently do a large balance transfer from Citi to a 0 % rate card; did that anger them and is that the real reason they closed my account? 

If this is legal, it shouldn't be. I feel like Citi has more obligation than this to its customers, or it should have.
Consumer complaint received 2021-09-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (OH)

When pre-approved for the loan on XX/XX/2021 for {$9000.00} to use to pay off credit card debt, it was not mentioned in the application process or pre-approval notice that my current loan with them ( XXXX ) would be paid off first and the remaining amount be distributed to me. Because of this I have hard credit pulls for a loan that I am no longer willing to take. If I would have known this prior to submitting the application, I would not have completed the application process.
Consumer complaint received 2020-10-08
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I was under forbearance agreement due to XXXX and it was ended by the end of XXXX with Citizens One Home loan. I did pay XXXX, XXXX, XXXX, XXXX, XXXX and XXXX during XXXX and XXXX. 
Citizens One reported me as 90 days late and this reduce my credit score by 120 points.

I was in the processing of refinancing my home loan with XXXX XXXX XXXX. XXXX XXXX XXXX asked Citizens one for payoff balance for over 6 weeks and they couldn't got the payoff balance from Citizens which caused more delay. I spoke with Citizens many times that I am in the middle of refinancing my house, but the didn't give us the payoff balance till the beginning of XXXX. All this delay impact my credit score and XXXX XXXX can't refinance my loan because my credit score is very low. my credit score dropped from XXXX to XXXX. I filed a complain with Citizens One and they said it will take 3 weeks to make a decision which it could be not fixing this issue. 
My loan number is XXXX. 
Could you help me to adjust and fix my credit score to be able my home loan. 
my wife and I are essential workers in the medical filed.
Consumer complaint received 2022-12-14
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX 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 ( Original Creditor : XXXX ) XXXX Balance Owed : {$550.00} XXXX XXXX Balance Owed : {$870.00} XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$870.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXXXXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I HAVE TWO ISSUES 1 : I am buying a house and XXXX XXXX requires dispute comments be removed. I sent a letter requesting their removal. Instead of being removed more disputes were added. I then tried requesting dispute comments be removed online thru their website. They didnt remove dispute comments they added " Customer disagrees '' with dispute. Then I tried calling and speaking with a Supervisor and after 3 hours I get an email that read " Your disputes are now open '' She didn't remove the dispute comments she filed disputes for them.

2 : I told the same supervisor that I never disputed my FedGov loans only XXXX. Can she please cancel the FEDGov loans but keep the XXXX open. She canceled ALL even XXXX. 

3 : I have sent Experian A copy of my XXXX Forbearance and Deferrment ledger validating my account was in Forbearance during the time its showing 90 days past due. Experian has sent back to me account updated. They completely ignored the ledger- didn't even mention it what they did was change one small insignificant detail and said thats all they are required to do. I am currently looking into hiring a consumer attorney as Experian has made it clear they have no intention of correcting my credit report
Consumer complaint received 2020-10-08
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. (IL)

In XXXX and XXXX of 2019, I experienced an overwhelming number of technical difficulties with the XXXX XXXX App, specifically regarding to processing payments. I was told that the system glitches from time to time and that I would not be held responsible for the late payments. Fast forward to now, I have paid late fees for both months and my credit is being reflected as if I actually paid late. This does not count the fact that XXXX XXXX still to this day has the wrong address on file for me after I have updated it multiple times.
Consumer complaint received 2021-03-22
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings (GA)

Company states that I owe XXXX in debt. Asked for a debt verification letter, was then referred to a collection agency ( AD ASTRA Recovery ). Asked collection agency for verification of debt, where they advised that they were unable to send one out.
Consumer complaint received 2023-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (NY)

So for over the last 6 months. I've been having issues getting destiny Mastercard to accept my monthly billing payments I enter ( using XXXX XXXX XXXX account ). It says payment received an I get a receipt then like a week later it shows reversed. My account was closed due to : to many reversal payments reasonings ( insufficient funds ). But my bank statements can verify that every Friday there's money an that I do indeed have receipts indicating paid them reversed. This issue is still happening even though my account is closed due to error on their behalfs. I accepted that decision an just been making payments til it's all over. I told them my problems are the same today and I was not getting help I needed to fix their errors. I've been building credit an it's like everytime I pay in advance ( before billing date ) to help out my credit. They over turn it back to my account after receipting payment received. Please go over my whole Mastercard reports to correct over charges, fees late fees and, or interest /credit downgrades to where they re all suppose to be. So I can respectfully pay the remainder owed. But I need it corrected first When I make a larger payment other then minimum it reverses if it's minimum they accept! Idk why they are doing it, besides insufficient funds that are not insufficient. Proving so with date to date statements
Consumer complaint received 2020-10-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

A few years ago I was late a bit on my student loan payments. I acknowledge that I am the one responsible for making on time payments and for years have been dealing with the consequences of said delinquency 's. I was only late because of a financial hardship in the family that left me taking care of my mother after a car crash  when I was XXXX. I have been cleaning up my credit and have made on time payments for years now. I tried to ask XXXX they would request the removal of the negative items via a XXXX  XXXX   letter. I have asked all three of the bureaus to remove the negative item using the same method. So far they have not. I love XXXX, TransUnion, XXXX, and XXXX  and I have faith that after hearing my side of this they will help me and do the right thing. So maybe my wife and I can finally move past this and buy our home. I don't want to pay a credit repair company when I know the government and the laws should be on my side when it comes to these kinds of things. 

XXXX XXXX
Consumer complaint received 2020-10-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

Well my father passed XXXX and Shell Point mortgage servicing after that did not even try to help us didn't call back up for loan modification XXXX XXXX the guy that was supposed to help us talk we talked to him a few times but started not calling back they kept the process going while the loan modification was in process never got our documents they blocked our emails and then he was telling us to send the specific document when we need to send other things he was telling us to send wrong documents will they foreclose on the house they took the house after my dad passed my mom was just so exhausted she didn't even want to fight for it shoes she's depressed she's distraught you know nothing I could do about it I just think it's really sad how they did this to us since then my mom had was forced out and now she has really bad part of town I'm trying to help her out as much as I can and my dad did die in the house they fixed it up and they sold it my parents put {$65000.00} down in cash on the house when they bought it back in XXXX XXXX I believe it was and I don't know how this bank can go and go and continue to get away with this I don't expect anything out of this I just want them to be stopped they do this with lots of people they change their name of their company numerous times please help me thank you