davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MD)

I have been a federal employee of the Internal Revenue Service from XX/XX/XXXX to the present ( 21 years ). I signed up for the public service loan forgiveness program in XXXX, filed my employee certifications annually, made 120 payments, submitted the PSLF loan forgiveness form in XXXX, and was denied PSLF. Subsequently, the servicer incorrectly required me to consolidate my loans in XXXX and failed to inform me that all of my PSLF pre-consolidation payments would be eliminated. The 120-payment count was restarted to XXXX, requiring me to pay another 120 payments. 

I applied for the PSLF Limited Waiver ( XXXX ) in XX/XX/XXXX and was told it would take months to review my account to get the XXXX. Seven months later, Fed loan finally reviewed my account and sent me PSLF qualifying updates in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, all without updating my pre-consolidation payments before XXXX. I submitted another PSLF form in XX/XX/XXXX requesting my account to be reviewed for the XXXX giving credit for my pre-consolidation payments, and requesting a refund. In XX/XX/XXXX, I received another PSLF qualifying update, and once again, Fedloan failed to review and credit my account back to XXXX. 

I was not given credit back to XXXX, which is what should happen under the PSLF limited waiver. My loans are consolidated as required by the XXXX. All of my employee certifications from the IRS show my hire date as XX/XX/XXXX and show that I have been a continuous federal employee. My account should be the easiest type of account to review and have the proper credit issued back to XXXX. I am filing a complaint because my PSLF count is wrong. I should be given credit back to XXXX and a refund issued for overpayments with interest. 

I have contacted Fedloan servicing and filed a complaint with the DOE ombudsman but have received no response. The White House is forgiving all of these student loans but not living up to the promise of the limited waiver for people who have been lifetime federal employees. I have had 1 public service job for 21 years. Fed loan has reviewed my account not once but several times and still has not correctly counted my payments back to XXXX and issued me a refund for the overpayment with interest.
Consumer complaint received 2021-10-26
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: Experian Information Solutions Inc. (VA)

I was an authorized user on a XXXX credit card that belonged to my husband. 

I contacted XXXX in XXXX and was assured that I was removed from the account. 

After 30 days, XXXX is still reporting that I own this account and refuses to remove it from my credit report. Additionally XXXX is no longer reporting any information to any agency because they do not exist. 

XXXX was sold to XXXX XXXX  XX/XX/XXXX. I do not have any accounts personally with XXXX or XXXX XXXX. XXXX XXXX  confirmed today that I was not on their accounts. 

XXXX on the other hand, has removed the account from my credit report.
Consumer complaint received 2022-08-29
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. (CA)

I am bothered by the indifference of the Credit Reporting Agencies! I have been sending multiple written letters requesting that the Credit Bureaus investigate and update the status and information being reported by the following accounts on my Credit File. The accounts : XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1300.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance {$2200.00} Date opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX Balance {$310.00} Date opened XX/XX/XXXX ; are reporting erroneous information on my Credit File and I want to know where do the Credit Bureaus reference the information they report. Under the FCRA section 609 and 611, the Credit Bureaus are required to investigate and provide proofs of verification of any disputed accounts from my Credit Report. But despite all my efforts, the Credit Bureaus have done nothing! Their willful non-compliance with the FCRA is a clear violation of a consumer 's rights. I need the disputed accounts corrected immediately!
Consumer complaint received 2022-08-01
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. (TX)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
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
Consumer complaint received 2021-10-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST NATIONAL BANK OF OMAHA (NY)

I have a current dispute for an XXXX transaction on my checking account with Fnbo direct. The refund was reversed because they say they didn't have enough information. I called today with that information. Last week the XXXX I transferred money from my savings account with them to an external account. I paid an express fee of {$10.00} for next day service. The external bank shows these transactions. Fnbo direct reversed the deposit and placed a block on the savings account with the funds in it. They are denying any and all traces of the transfer. They have no right to take funds from a separate account that has nothing to do with what is going on in the checkng account. The other bank shows the details of the transfer while Fnbo direct erased theirs.
Consumer complaint received 2022-08-29
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. (AZ)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following account as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX Opened XX/XX/2013 Balance {$0.00}. 

If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Consumer complaint received 2022-01-19
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (TX)

On XX/XX/XXXX, I made 2 individual orders on the XXXX XXXX with the first order amounting to {$980.00} and the second amounting to {$1000.00}. Both orders included a cell phone trade-in box. After submitting back the phones, a credit of {$400.00} each was promised with the presumption that the phones were in good condition, paid off, and factory reset. On the XXXX XXXX, it is stated that {$400.00} was credited on XX/XX/XXXX, and the other trade-in was credited at {$400.00} on XX/XX/XXXX. The first credit is shown on my SynchronyXXXX XXXX account only on XX/XX/XXXX. The second credit was not posted to my account. Additionally, I had noticed a charge amounting to {$31.00} that I did not recognize with the same order number of the previous 2 orders that I did make. On XX/XX/XXXX I reach out to the online chat with SynchronyXXXX XXXX and initiate the dispute for my missing credit and suspicious transaction. On XX/XX/XXXX I receive a letter indicating that I " have already received the {$400.00} credit on XX/XX/XXXX '' but did not include detail about the other {$400.00} that is missing. I initiated an additional dispute on XX/XX/XXXX to indicate my missing credit along with the unknown charge of {$31.00}. The customer service representative assisted my to make a dispute for the missing credit and indicated for me to call a different number to make a fraud claim for the {$31.00} ; additionally they indicated the dispute balance was not to be calculated into my minimum payment until the investigation was concluded. After making the fraud claim, they indicated it will be reviewed. 
On XX/XX/XXXX I contacted the phone customer service support for additional detail and it was indicated that the investigation was concluded and the full balance was due ; additional information related to the " already credited {$400.00} '' went back and forth without consideration for the other {$400.00} that is missing. I requested yet another dispute and received an email letter on XX/XX/XXXX indicated that the dispute was open. 
As of XX/XX/XXXX, the full minimum payment is due and an investigation is supposedly ongoing. 

Note : My suspicion with the additional charge of {$31.00} is that this is an item within the 2nd order of {$1000.00} that shipped very late and charged an additional time once it was sent out. It is the same total cost with tax, but was already included within the original order.
Consumer complaint received 2021-10-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: 2288984 Ontario Inc. (TN)

I and several members of my family have been continually harassed by XXXX and XXXX in particular. They have called my parents and left messages multiple times. As well as refusing to stop contacting them when I requested they stop contacting others regarding my information. They have been calling ( according to my call logs on my cellphone ) for over a month, numerous times. When requesting the company not call my parents, I was told to go ahead and call the police department on 3 way then they hung up on me. They have been calling from several numbers. When I request to speak after my work hours, they won't be there.
Consumer complaint received 2021-10-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

XX/XX/2021 I went into 5/3 Bank because after several online attempts no one can help me get setup to pay my mortgage online. The Banker was helpful and got me futher than others. I couldn't retrieve documents and I shouldn't have to drive to pay my bills. 
When I got home I called for support. The XXXX  XXXX, person asked me to call customer service.. I waited an hour for a return call. The guy ( customer service ) put me back in loop for a mortgage professional. I hung up because it's a long wait. This is customer abuse. My husband XXXX XXXX died XX/XX/2021. I am still grieving my loss. I am the successor and need to access documents and pay the mortgage online. No one is correcting this online problem. I had to bill pay with my bank. 5/3 don't have electronic means which delays posting and charges a late fee. I am very frustrated with their service. I believe XXXX I paid late fee thinking it was late, it wasn't. I should have a credit.
Consumer complaint received 2021-10-26
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: State Collection Service, Inc. (WA)

I received text messages from " State Collection Service '' saying they were a debt collector. On XX/XX/XXXX ( phone # : XXXX ) there was a link in the text message that wanted me to enter my zip code, I ignored the message after doing some research realized this was a fraud. On XX/XX/XXXX ( phone # XXXX ) sent a text claiming they had a " notice from State Collection Service '' and to call.
Consumer complaint received 2022-06-27
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: ACIMA CREDIT, LLC (PA)

I have sent the police report, filed disputes on XXXX XX/XX/2021 {$840.00} ACIMA XX/XX/2021 {$3400.00} XXXX  XXXX XX/XX/2021 {$800.00}
Consumer complaint received 2022-08-08
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: EQUIFAX, INC. (LA)

I'm XXXX XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
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
Consumer complaint received 2021-10-26
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Dovenmuehle Mortgage, Inc. (UT)

We were approved for 3month Covid-19 forbearance in 2020 XXXX, XXXX, XXXX. We have paid every payment since the end of 2020 's 3 month forbearance period on time although we have been reported as 120 days late since the forbearance period and no data for all payments in the past year and a half have been reported to the credit bureau. Us and our housing counselor have been in contact with Dovenmuehle Mortgage and XXXX XXXX XXXX XXXX monthly to address this issue but it does not get corrected so mine and my wife 's credit score continues to drop as a result of the error on reporting
Consumer complaint received 2021-10-26
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I XXXX XXXX on XX/XX/21 sent a 609 letter to XXXX, Experian, and XXXX regarding inaccurate things on my credit report. It has now been over 110 days later and I have not received a response yet.
Consumer complaint received 2022-06-28
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. (TX)

I DID NOT GIVE THESE COMPANIES PRIMISSION, OR WRITTEN CONSENT TO RUN MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-27
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: Bread Financial Holdings, Inc. (FL)

During COVID, my wife got sick and was XXXX. Not only was I struggling to find work due to COVID, but now I was the XXXX  for my wife XXXX for her feeding, bathroom needs etc. 

I took out a credit card, I don't even remember taking out this credit card, I don't have the credit card. It is sitting on my credit report with a XXXX dollar balance and a late fee for XX/XX/2021. 

I submitted a dispute online and didn't hear back. 

According to the CAREs act, I believe I should get some relief here regardless of the potential accuracy of this report. 

Additionally, according to Congress : " Legal Exemptions : 15 USC 1681a - 2 ( a ) ( i ) ( 2 ) Exclusions. " Except as provided in paragraph ( 3 ), the term consumer report does not include - report containing information solely as to transactions or experiences between the consumer and the person making the report. '' According to Congress, the Consumer report is not to include experiences or transactions. Late payments are experiences and are illegal to list in the consumer reports... 

Considering they are saying they gave me credit and I owe them no money ; this late fee is illegal... act least according to Congress.
Consumer complaint received 2021-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I GOT AN ALERT FROM MY CREDIT MONITORING SERVICE THAT NOTIFIED ME OF A COLLECTION ACCOUNT REPORTED ON MY CREDIT FILE. THIS HAS TO BE FROM MY IDENTITY THEFT CASE FROM A FEW YEARS AGO AND INQUIRES THAT I DID NOT AUTHORIZE.
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020
Consumer complaint received 2022-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

After having been charged for services for which I enrolled in with an online legal form provider, and the site not properly functioning, I disenrolled services but was still charged for membership fees for multiple months. After contacting the company, they issued an email and stated services were canceled and that a refund had been issued. I however have not received any refund. After several months of attempting to resolve the issue, I was forced to dispute the transactions with USAA and submitted to the XXXX the email received and the full contact information for the company of the dispute. USAA denied my dispute, while having been fully provided all requested documentation, and thus charged me over {$500.00} in NSF fees as a result of those transactions. This institution has become awful to contact, rude, and will do anything possible to cause more financial burden on their members. They have scammed me out of insurance premium paid, and they canceled the policy, while refusing to provide a refund of premium, dividends, and did not respond to my claims for storm damage and theft that occurred while the property was under coverage of the policy. They have also prevented me from obtaining further coverage, but accepted payment for policy for the year and canceling the insurance without notice. They should be ashamed. Since changing administration, they have taken advantage of military XXXX, veterans, and their families by all means available to them. It is my wish that this institution be required to provide full refunds to its members, and be forced to cease operation as they have continued to violate federally mandated procedures and having been access fines previously for the violations. I have attempted to resolve the matter through arbitration as stated to do so under the account holder terms and conditions, but the institution responded that I would be required to change venues to a court instead. Any attempt to do so has been responded with inconsistent information being provided by USAA and I will be forced to initiate a claim through Texas courts while being a resident of XXXX which will cause major financial burden. It is my belief that USAA is abusing this power to avoid accountability for their actions. Please HELP!
Consumer complaint received 2022-06-27
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # 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 states : A consumer reporting agency can not furnish an account or account information without my consent
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

FCRA viloations not mine not my credit cards XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$18000.00} Status Account charged off. {$18000.00} written off. {$18000.00} past due as of XX/XX/XXXX. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$9400.00} Status Account charged off. {$9400.00} written off. {$9400.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$510.00} Status Collection account. {$510.00} past due as of XX/XX/XXXX. 
was never late XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$17000.00} Status Open. 
never lived here XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXXXXXX XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXXXXXX XXXX XXXX Resident type Single family not my number ( XXXX ) XXXX Residential never worked here XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my name 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