davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OH)

I believe that FedLoan Servicing ( Pennsylvania Higher Education Assistance Agency ) is unintentionally mis-reporting tax information for annual student loan interest payments for a calendar year to the IRS. I receive a document stating how much interest on my student loans is paid each calendar year in XXXX for the previous year. The numbers provided on these statements to me, the consumer, do not match the interest loan payments I made for the life of my loans, nor to the calendar year which FedLoan appears to be reporting on. 

In addition to this, account information is not directly accessible via their website after student loans are paid, they must be manually requested by the consumer from their support department, as they block access to the " Account Access '' portion of their website once all your loans are paid. When I received a copy of my student loan payments for the life of my loan ( FedLoan serviced my loans for at least the entirety of my repayment period ), I did a complete reconciliation of every payment, along with principal, interest amount, and residual balance after payment, from my personal records to the records FedLoan supplied, and my personal records were perfect. As a note, my loans are completely paid off, so I do know the absolute total amount of interest I have paid across each of my 4 loans, as well as in total ; see below. 

The meat of the problem lies here - FedLoan reported to the IRS that in XXXX I made student loan interest payments totaling {$140.00}, and in XXXX I made interest payments totaling {$510.00}. I do not have a statement for XXXX, and will not until XX/XX/XXXX. That being said, my personal records and the records provided directly to me by FedLoan state that my total interest payments for the LIFE of my four loans, across all loans, is {$540.00} in aggregate. This number, the true interest payment total for the life of my loans, is significantly lower than the total {$660.00} that FedLoan has reported to the IRS for the XXXX and XXXX calendar/fiscal years. 

FedLoan ( Pennsylvania Higher Education Assistance Agency ) has mis-reported my total student loan interest payments to the IRS, which affects the true deduction amounts that the IRS is expecting me to take on my tax returns each year. Please reach out to me for any clarifications or identifying information in order to validate these statements.
Consumer complaint received 2020-02-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

I have been enrolled in the Public Student Loan Forgiveness Program since 2012. I have reliably made monthly payments ( via automatic withdrawal from all lenders ) and have contacted fedloan servicing multiple times to check on progress. Two years ago, I received an incorrect qualifying payment count that was off by one year. I was told to complete the Employment Certification Form to " repair '' this error. I completed this last year ( my third one ) and received a follow-up count that was, again, off by one year. After speaking to a manager on the phone for over 1.5 hours, he went through all of the payments that I did not receive credit for since 2012, finding multiple inconsistencies ( example : I was not given credit for multiple payments, despite having bank statements stating otherwise ). I ask for each of these months to be reviewed one year ago and again three months ago, though no updated, corrected count has been issued. This is incredibly distressing and concerning, as we are talking large sums of money that negatively impact my family.
Consumer complaint received 2019-11-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Central Portfolio Control Inc. (MA)

She called asking my name when she was the one calling me and telling I'm on a recorded line and asking me my phone number and address to calm for a old debt which I no longer owe. And treating me to sue me and send the police to my house and insulting me. 

Continuing to harras me and none stop calls to my number.
Consumer complaint received 2020-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NJ)

On XX/XX/2020 I paid my account down to a {$0.00} Balance. The account was a secured card account. On XX/XX/2020 I received a notice from XXXX  that Discover wanted me to consent to receive information from the IRS to verify information on my secured credit card account. The notice from XXXX  claims that my account with Discover Card would be closed in 14 days if I did not consent to the request to fill out IRS form 4506-T. I complied and filled out the form. I then attempted to use my card and it was blocked by Discover, I was not informed of this until I called them. I was informed that I had to wait up to 10 business days for the IRS to get back to Discover Card Before I could use my card. I was then blocked from accessing the account online. I needed a letter from Discover to give to my mortgage lender to confirm that the account was in fact paid to {$0.00} and Discover claimed that they were unable to provide me any information on the account until the IRS issues were resolved. Then after a second call to them and speaking with a manager I was told that they had to get a special department to lift the block temporarily so that a letter could be sent to me for my mortgage company. Then at XXXX XXXX on XX/XX/2020 I received an email from Discover that my account was closed because they were unable to verify information on my account. I called them and they blatantly refused to give me any information and specifically stated that the letter is the most information they can provide to me and they would not under any circumstances tel me what reasons or why specifically my account was closed. They denied me the secured credit card that I had for a few months and did not want to provide a reason. They promised to tell the credit reporting agencies that the account had been closed. I feel they discriminated and that their action amount to a sabotage of my credit rating that I diligently worked hard to obtain and they held the account from me with a {$700.00} secured deposit for reasons that they refused to tell me. Their actions are unfair, unreasonable and repulsive.
Consumer complaint received 2020-02-12
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: Medical Data Systems, Inc. (VA)

i received a letter in my mail from a collection agency that had my medicals records in it and i believe thats against HIPAA law i did not give the creditor authorization to share my medical history or records
Consumer complaint received 2020-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A. (OH)

Mr. XXXX file an on-line application for a Macy 's XXXX XXXX XXXX, and a Macy 's Credit Card the application was unable to be approve, and was denied for the following reasons : Total credit obligations when compared to the annual income you provided this is not the case Mr. XXXX income is about {$50000.00} Mr. XXXX believe the on-line information is incorrect Mr. XXXX has open several other accounts with other Card Company 's and has no problem at all XXXX XXXX income is substantial for this type of Credit Card, No other Credit Card Company has stated this to a concern for Credit this information was not reported by any consumer credit reporting agency, Mr. XXXX earnings are not a part of these agency, its put on your application Mr. XXXX believe this denied application is base on Mr. XXXX age, race, the fact that Mr. XXXX already has Two Credit Cards with XXXX XXXX, who is a federally registered service mark and a part of Macy 's stores
Consumer complaint received 2019-11-27
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. (GA)

I'm very frustrated because I reached out to you all in XXXX of this year about things on my credit that I know nothing about. I'm really trying to help my brother who now has a new born baby get a new car. I have reached out to the FTC and my police here. You guys did get some thing resolved but there are still a few items on there that is not mine XXXX XXXX, XXXX and XXXX XXXX.
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MD)

I am not able to retrieve a credit report by using my tax identification. I do not have a social security number. I contacted all three credit bureaus [ XXXX, Equifax, and XXXX ]. Customer agents could not provide me with a credit report via mail.
Consumer complaint received 2020-04-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (FL)

I sent paperwork via U.S. mail and uploaded information to Fed Loans asking them whether or not I qualify for the Public Service Loan Forgiveness program. I sent them as much information as I could including my W-4 's but I could not verify my work as a XXXX  for XXXX XXXX XXXX XXXX XXXX because of the outbreak of the corona virus and the stay at home measures that XXXX and XXXX XXXX XXXX XXXX ( XXXX  ) have implemented. We are now in XXXX XXXX.  I sent them the paperwork and asked them if they could verify my work with the XXXX XXXX which dates back to XXXX as a XXXX XXXXr as well as a XXXX XXXX XXXX   starting in XXXX. They sent me the paperwork indicating that I needed to verify this. I can NOT at this time and I wanted to see if I qualified for the program or if I didn't then how many payments would be needed to qualify be exempted from my federal loans. My information is with XXXX. My information is with the XXXX XXXX XXXX XXXX. Are you trying to tell me that the Federal Government of the United States can NOT verify my work status with the state bureaucracy and implement the data to see if I qualify? I attempted to go downtown but I was told to go home. At this time, the only people that can verify my status are the bureaucrats. Please help.
Consumer complaint received 2020-01-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (MI)

I used Bluebird by American Express bill pay to pay my XXXX XXXX  Consumer loans account on XX/XX/XXXX ... .I found out 2 to 3 days later that it was sent to the wrong business. I canceled the transaction because it was the wrong business and the wrong address on XXXX XXXX XXXX. They told me it would be 10 days to investigate it. Today they told me it would be another 10 days to investigate even though I have no business with the company that " received '' the money. These people are holding my money hostage all while making my creditor wait for payment. This is damaging my credit. I WANT MY MONEY BACK NOW! They are collecting interest off my money at my expense this needs to be investigated!
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am experiencing negative credit reporting and negative impact on my credit score, this has resulting in reduced credit limit decisions on credit cards. COVID-19 has impacted my self employment. I want all negative credit reporting in 2020 removed from my credit reports from XXXX, XXXX, and Experian. Also, Experian is taking a long time on their Data Hacking Settlement.
Consumer complaint received 2020-04-24
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: Experian Information Solutions Inc. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND A FEW INACCURATE ACCOUNTS THAT WAS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME NOR HAVE I AUTHORIZED THESE TRANSACTIONS. BECAUSE OF THESE INACCURATE ACCOUNTS MY CREDIT IS IN A HORRIBLE STATE. I HAVE SOME THINGS THAT I WOULD LIKE TO ACCOMPLISH BUT BECAUSE OF THESE INACCURATE ACCOUNTS I CAN NOT MOVE FORWARD. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED FROM MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2020-04-24
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND A FEW INACCURATE ACCOUNTS THAT WAS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME NOR HAVE I AUTHORIZED THESE TRANSACTIONS. BECAUSE OF THESE INACCURATE ACCOUNTS MY CREDIT IS IN A HORRIBLE STATE. I HAVE SOME THINGS THAT I WOULD LIKE TO ACCOMPLISH BUT BECAUSE OF THESE INACCURATE ACCOUNTS I CAN NOT MOVE FORWARD. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED FROM MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2020-04-24
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: Experian Information Solutions Inc. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it XXXX you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately
Consumer complaint received 2020-04-24
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: U.S. BANCORP (ME)

On XX/XX/XXXX I stayed one night at the XXXX XXXX in XXXX Maryland. 
The charge was supposed to be {$130.00} I discovered I was charged {$1100.00} when I got my credit card statement. 
On XX/XX/XXXX I called the XXXX customer service and was told by them that I was charged for 7 nights. 
They assured me they would contact the manager and I would be refunded. 
On XX/XX/XXXX I still had not received the refund so I called my credit card to dispute the charge. 
They started the dispute and they gave me a provisional credit. 
I continued to try and get the hotels customer service to resolve the follow up on getting my overcharge refunded. 
The original booking was made on XXXX but when I got to the hotel I was told that they didn't have that type of room and the reservation was changed at the hotel. 
I was moving to Maine so left early in the morning and there was no one at the desk so I just left. 
So, I have no receipt, only the credit card charge. 
XX/XX/XXXX I received a letter from my my credit card company stating they reversed the provisional credit and I am responsible for the charge. 
I called them and was told that they did not contact the hotel. The decision was made based solely on the fact I did not have a receipt. 
Again, I continue to try to contact the hotel manager directly and the hotels customer service for resolution. 
I don't think it is intentional fraud or theft but it is amounting to one or the other. 
The Hotel has taken over {$1000.00} of my money that they were not owed. 
My credit card company is not able to or interested in protecting me from being robbed.
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Midwest Recovery Systems (FL)

Midwest Recovery Systems, third party collection agency, for an original debtor, XXXX XXXX XXXX  date XX/XX/XXXX. This debt was never verified. They never sent me a bill or proof of this debt. Already reported this in collection to XXXX XXXX back in XXXX. I disputed this back in XXXX, XXXX and it was removed from my Credit Report on XX/XX/XXXX. 

I receive an alert from XXXX XXXX that there was a negative item reported to XXXX. I have called XXXX  and are of no assistance. Though I have the credit from XXXX, XXXX   and it clearly states this item will be removed on XX/XX/XXXX. It was, until it was re-reported again now. Same Company, same amount. 

This situation has made me sick, I have worked diligently to rectify my credit for over 3 yrs. Letter, disputes, filing complaints. Now this again. How is this legal? This debt, whatever it is, is beyond the stature of limitations of reporting since it is from XXXX. 

They are now starting to robo call me. As of today. XXXX
Consumer complaint received 2020-04-24
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: Midwest Recovery Systems (NJ)

Midwest Recovery Services added a collections account to my CR on XX/XX/20. I have never heard of this company nor do I have any outstanding debts. After some online research I've discovered that this particular company has a habit of filing inaccurate or fraudulent accounts on consumers credit reports in an attempt to scam the consumer into paying a debt that is not owed. This is fraudulent, predatory and overtly illegal activity. That is why I'm reporting them to the CFPB.
Consumer complaint received 2020-04-24
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. (NC)

I disputed XXXX XXXX with XXXX XXXX. I ask that they verified the information on my credit report. I have never received one letter one bill or any communication. I have tried to dispute this false  information on my credit report and Experian will not verify the information although they say they have no validation or verification has been sent to me. I sent Experian copies of the correspondence sent to XXXX XXXX and advised how could they have verified this account when no information was forwarded and the company never responded. I disputed on XX/XX/2020 with experian and in less than 24 hours Experian has stated they have verified the account as accurate and it remains on my credit report. How is this possible. Experian is not verifying any information during these investigations and leaving information that is inaccurate and false on my credit report. This has caused my file to be seriously damaged. I am not able to get credit or appropriate interest rates because of this false information on my credit report.
Consumer complaint received 2020-04-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BCA Financial Services, Inc. (SC)

I am in the XXXX XXXX XXXX. According to XXXX, I Can't be charged for XXXX deductibles, coinsurance, and copayment. 
I received collection notice from a provider attempting to collect amounts that XXXX statement indicated that I did not owe.
Consumer complaint received 2019-02-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Credit Adjustments Inc (NC)

I sent my tax paperwork into credit adjustment on XX/XX/XXXX. I was told by the agent that I was clear of an offset and that he didnt see anything on my account. He said as long as I set up my first payment I was good. I set up my payments and made sure they took them out of my account each month. I filed my taxes XX/XX/XXXX. Im in a group on XXXX and saw that there is a number to call to check on offsets and I called it. Sure enough there was on offset with department of education. I called Department of Education & Credit Adjustments and was informed an offset was placed on my account XX/XX/XXXX. I filed a complaint against the agent for giving me false information. If he wouldve told me that I had an offset I wouldnt have filed my taxes until the offset was lifted. My complaint was resolved and the Department of Education proved my claimed was valid and that he did indeed give me false information. But, they were still moving on with collections and he was going to be talked to and go into training. This is ridiculous, I shouldnt still be penalized because of what the agents you hired told me.
Consumer complaint received 2019-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

I purchased a movie subscription that did not inform the buyer there would be additional charges. I tried to cancel and they would not let me. I disputed the charge and the bank was able to resolve this but the day after the dispute the movie company put through an additional unauthorized charge and I disputed that. The bank issued a temporary refund, then a permanent one but then reversed the permanent one saying they couldn't work anything out with the company. I am hoping you can reach out to either Citibank or the  movie company XXXX and find out why unauthorized charges are allowed to go through and not returned when disputed. 

Date of charge XXXX/2018 amount XXXX Multiple letters, emails and phone contacts have been made.
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Social Finance, Inc. (DE)

This issue has been going on for months stating that my account is open whi8was included in a bankruptcy not a chargoff account. They said that it was correct my attorney has pr6proof to them and was told that they would fix the issue and they have not. I asked them to remove it and they declined.