davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-30
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. (IN)

In XX/XX/2022, I had gone to the ER for medical-related issues. Afterward, I had my bill fully covered by my health insurance company. Being said that, I had received a call from debt collection of an unpaid medical bill which had already been paid ( and settled with my hospital & insurance company ) however it had brought my credit score down by XXXX. It had originally been XXXX, which was then taken down to XXXX or so. I've resolved everything with my insurance company and hospital however I still have yet to fix my credit score as this was used against my credit score for no fault of my own. I am trying to apply for an auto loan which I no longer qualify for due to this mishaps due to collections affecting my credit score to an already paid medical bill. Please get back to me when possible. I am very upset by the downfall of this.
Consumer complaint received 2023-01-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CULLEN/FROST BANKERS, INC. (TX)

On Monday XXXX XXXX I went into the Frost Bank in XXXX Texas located on XXXX XXXX as instructed by their ( Frost Bank ) online department to get a replacement debit card. Once I explained why I needed a replacement card, the bank vice president of the branch started to Intergrated me as to why I need to have more than one debit card. I complained to the branch manager as to how rudely I was being treated by the vice president of the branch ; two hours later the branch manager called me back and stated she was closing all my accounts with the bank because I made a complaint against Frost bank.
Consumer complaint received 2022-11-08
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Freedom Mortgage Company (CA)

XX/XX/XXXX, I called freedom mortgage because I noticed on my credit report they reported me 30 days late for months of XXXX and XXXX. I had paid my previous amount on time, but the escrow account had increased which made me around XXXX short. I was never notified of this increase or that I was 30 days late. I have never missed a payment or been late. 

When I talked to customer care she notified me a notice for the increase was mailed to the home the loan is for. ( XXXX XXXX ). I had her update the address to my mailing address were I reside. ( XXXX XXXX ) This same issue happened in XXXX when they mailed a check for an over balance to my escrow account. I have a message saved on their server saying they updated the address, however the lady told me it was not. She then updated it. 

I sent all this information and documentation into Freedom mortgage and they said they were accurate to report the 30 day late. Which I agree, a portion was late, but not due to any fault of mine. 

I called again XXXX, and talked to a lady that said I should have seen this on my statements. I asked her were they are and she said I should get an email monthly that reminds me to login and check it. I notified her that in the 7 years with them I have never received this email. She disagreed with me and said I did. I asked her to send a test email so I can verify i'm getting emails from them and she refused. 

I called back and talked to another lady, who helped a bit more, she sent me a password reset email, and that did come through. I asked her what the difference was between were the emails come from and she didn't know, and had no idea who to forward me to. 

They have something wrong in their system with my email, and are not willing to help fix it. I had disenrolled from their paperless service to avoid this again. The fact still remains that the notice they mailed the old fashion way, was sent to the wrong address and it was the same issue I had to get fixed the year before. They just didn't care because last year it was a check to me.
Consumer complaint received 2023-01-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MN)

I faxed an application for student loan forgiveness under XXXX on or around XX/XX/2022. 

I received a letter confirming the application had been received late spring or early summer of 2022. 

In XXXX or XX/XX/2022 I was notified that my account was being transferred to Mohela. 

I created an account and logged into the Mohela site. The website has an option to check the status of your XXXX application. Every time I checked, there was no report. The website said it could not track my application. 

I called twice, including in XXXX and XX/XX/2022. After extended hold periods I was assured by a customer service representative on each call that they could confirm in their system that my application had been received however due to the program being so popular and a backlog of applications the website was taking a long time to update. 

I called today, XX/XX/XXXX, but after an extended hold was told by the first line of customer service that they had no record of my application. " XXXX never transferred it over. '' I told them this was contrary to what I had been told by Mohela staff on the two previous calls.

I have now been on hold for two hours as I'm told I'm being transferred to " a specific supervisor. ''
Consumer complaint received 2022-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2022, I purchased a XXXX from XXXX on my XXXX XXXX XXXX. On XX/XX/XXXX, the purchase was shipped in two separate transactions and charged to reflect amounts of {$590.00} and {$63.00} equaling {$650.00}. I purchased another XXXX from XXXX on XX/XX/2022 which was paid in full upon next payment due date. 

I called Amex customer service to use Membership Rewards points for the purchases on XX/XX/2022. Unfortunately, the representative mistakenly applied the points redemption to my XXXX  card XXXX. I called Amex customer service again to correct their error. 

On XX/XX/2022 the error was corrected, however, Amex had missed my statement cut date of XX/XX/XXXX, so my balance due was over by {$650.00}. I asked Amex customer service to correct this and lower payment due which they did, also on XX/XX/2022. 

With that, I believed the case to be closed. As we have the XXXX purchase, an adjustment credit in moving the XXXX  credit to the XXXX, an adjustment debit on the XXXX, and adjustment credit on the XXXX. Leaving two debits and two credits all in the amount of {$650.00}. 

In XX/XX/XXXX, Amex added a charge to my account of {$650.00} indicating an accounting error. I disputed this internally and on XX/XX/XXXX, I received a letter stating they had issued an additional credit on XX/XX/XXXX from a debit occurring XX/XX/XXXX. Unfortunately this leaves out the original XX/XX/XXXX purchase. 

I called Amex customer service again and another dispute was opened. Then in a letter dated XX/XX/XXXX, they stated their charge is still accurate, again failing to reference the original transaction on XX/XX/2022. 

Upon receipt of that letter I called Amex customer service again and that representative was unable to help me. I have now spent countless hours on the phone with Amex representatives including level II and supervisors and Amex refuses to correct their error that was originally caused by their representative misapplying my rewards points to the incorrect card/account.
Consumer complaint received 2023-02-10
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. (OH)

In accordance with the Fair Credit Reporting act 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 has violated my rights. 

15 U.S.C. 1681section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 602 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-01-26
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: NAVY FEDERAL CREDIT UNION (GA)

Im a victim of identity theft my information was leaked on the dark web by XXXX Im in the process of going through arbitration, my information has been compromised and used to establish fraudulent accounts in my name, I want this account with XXXXXXXX XXXX removed from my credit report, or I will seek arbitration to recover damages from this account being open, all my identifying information has been leaked I can provide evidence of that data breach and my information being compromised, example the IRS now considers me a victim of identity theft because someone tried to file a fraudulent tax return in my name try to defraud the government out of thousands of dollars to also show you i filed a police report against XXXX XXXX also because Im identifying information was used to open accounts in my name and a detective guy said numerous accounts were open im just showing you that I am in fact a victim of identity theft .experian please remove these accounts, i have sent a police report showing I am a victim of identity theft, i have now started arbitration against XXXX XXXX and XXXX for compromising my information im sending attachments so you can see I have did my diligence with this situation im also up loading a letter from thf IRS letting me know that I am a victim of identity theft someone tried in XXXX of 2022 to file a fraudulent tax return and tried to defraud the government out of thousands of dollars now I have to use identity theft pin so when I file taxes I have to use that pin so I can identify myself, please remove these accounts XXXX XXXX from my file , Im also showing I have demand for arbitration against XXXX for compromising my information and leaking it on the dark web .my information is on the dark web I can not get that information back and now Im suing XXXX  because my information has been used to open and establish fraudulent accounts in my name .please remove XXXX XXXX, XXXX XXXX, navy federal credit union
Consumer complaint received 2023-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Mailed off dispute letter to TRANSUNION on XX/XX/2022 did not receive a respond within the 30 day period thus violating law 15 U.S. Code 1681i. Also company has violated my rights under 15 U.S. Code 1681i ( a ) 2. I am demanding proof of this agency to show my consent to furnish the accounts listed below. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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: Maximus Federal Services, Inc. (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 XXXX up until XX/XX/XXXX, after which they were transferred to XXXX/Aidvantage XXXX I made $ XXXX in payments to XXXX during the COVID-19 forbearance period and paid the remaining $ XXXX to XXXX/Aidvantage over the next several months , still within the forbearance period. I requested a refund of these payments when the XXXX debt relief program was announced, on XX/XX/XXXX, and have been met with confusion, conflicting information, and stalling for months. It appears that XXXX XXXX has lost information regarding my payment history when they transferred my remaining balance to XXXX/Aidvantage because neither servicer can find history of it. As a result, Aidvantage 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 XXXX and they told me it was not their responsibility and that Aidvantage has to handle the refund. I have called Aidvantage 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 Aidvantage 's website and then XXXX, 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 XXXX and Aidvantage 's websites restrict account access to website features once the loan balance is {$0.00}. Aidvantage 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. XXXX 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 Aidvantage is that the refund is processing and is currently held up with their request to XXXX 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 2022-10-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-26
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: EQUIFAX, INC. (DC)

In accordance with 15 USC 1681a ( 2 ) ( a ) ( I ) XXXX, Equifax, and XXXX has violated my rights by reporting the transaction between Me the consumer and the person making the report which the companies Im doing business with. This considered a violation. 15 USC 1681a ( 2 ) ( a ) ( I ) clearly states the transactions between the consumer and the person making the report is excluded from the consumer report. 

Account reporting inaccurate information. 

XXXX. XXXX XXXX Account # XXXX Open date inaccurate Last reporting date inaccurate Last Active dat inaccurate Last payment date inaccurate Clearly show late payments which is an violation XXXX XXXX Account # XXXX Last Payment Date wrong on this account Last Active Date is inaccurate Payment Status Inaccurate Clearly show late payments which is an violation XXXX XXXX  XXXX  # XXXX Opening Date is inaccurate Last Reported Date inaccurate Date last Active inaccurate Date of Last Payment inaccurate XXXX. XXXX XXXX  XXXX Account # XXXX This account does not belong to me Never gave consent to furnish this account This is considered a violation. 

XXXX. Fair Collections & Out Account has been paid off This company has not license to collect in XXXX XXXX Please delete this account as it is causing financial and emotional damage. 

XXXX XXXX Account # XXXX Open Date inaccurate Payment Status inaccurate Date last Active inaccurate Late payments being reported is a violation Please delete this account XXXX. XXXX XXXX Account # XXXX Open date inaccurate Active Status inaccurate One report say open, another account say Paid. 
Please delete this inaccurate account XXXX. XXXX XXXX XXXX XXXXXXXX Open Date inaccurate Last reporting date inaccurate Credit limit inaccurate Please delete this account A consumer report should be 100 % Accurate. There are too many inaccurate accounts and consistency of careless activity being done on my report. There must not have been any investigation of my consumer report.
Consumer complaint received 2023-01-26
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: CORELOGIC INC (NY)

I tried to put credit freezes on these credit agencies reporting my non public personal information without the consent of the consumer controlling his principle. I did not give these credit agencies my consent in no way shape or form to traffic and communicate any information pertaining to my principle. This is aggravated identity theft these companies are getting unjust enrichment while the consumer does not benefit from the use of his own non public personal credit information. These financial institutions did not allow the consumer to remove his non public personal information in which the consumer never gave consent to. The consumer has the right to his non public personal information kept private and these credit agencies violated my privacy rights.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TransUnion, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  are reporting inaccurate data to my consumer report. 
XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX OPEN Balance {$650.00}. 
Acct XXXX : XXXX. 
Remarks : Dispute Resolved and Customer disagree. ( should this be taken as it's perfectly fine to continue to furnish and park inaccurate data on my personal consumer report ). I disagree by reason of FCRA law, and according to FCRA Law an account can not be reporting Open and In Collection at the same time.
Consumer complaint received 2022-10-15
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: Experian Information Solutions Inc. (AL)

in accordance with the fair credit reporting act XXXX  account # XXXX, XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. 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 2022-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

in accordance with the fair credit reporting act XXXX  account # XXXX, XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. 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 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Spring Oaks Capital, LLC (NY)

XXXX, Spring Oaks Capital LLC and XXXX XXXX XXXX are reporting inaccurate data to my consumer report. 
SPRING OAKS CAPITAL LLC- Original Creditor : XXXX XXXX XXXX XXXX OPEN Balance {$650.00}. 
Acct Status : OPEN. 
Remarks : Dispute Resolved and Customer disagree. ( should this be taken as it's perfectly fine to continue to furnish and park inaccurate data on my personal consumer report ). I disagree by reason of FCRA law, and according to FCRA Law an account can not be reporting Open and In Collection at the same time.
Consumer complaint received 2024-12-12
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the law. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). These accounts are false and falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Chex Systems
Consumer complaint received 2022-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (FL)

I was a customer of SunTrust for over 20 years and never had any problems. When it merged and became Truist, I started getting charged ridiculous arbitrary " assessment '' fees on international transactions, including on top of ATM withdrawal fees. I spend most of my time overseas, so these fees add up quickly, and they are something SunTrust never charged. Truist claim to have sent a letter notifying me of this, but I never received it and I never would have consented had I known in advance. I have contacted the bank many times, but they claim there is nothing they can do, which is only because they don't want to do anything about it. This is straight-up theft, and unless these ridiculous fees are canceled, I will be closing my accounts and taking my money elsewhere.