davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (IL)

XXXX years ago, I enrolled in an XXXX certificate course at XXXX Illinois. At that time, this school did not have a degree program in XXXX. This was one class that would award a certificate after completion. I did n't need a XXXX for this course ... I did n't have one at that time. There were no credit hours given ... there were no other classes to take. These loans were to cover the term of the course. This was not toward a degree of any kind. This class started in XXXX. and let out for XXXX break ... to restart in XXXX.. I did return in XXXX, only to find that my class had no instructor. This course had two parts ... the entry level and the advance. There were no instructors for either. Me and other classmates heard that there were money problems, but no one knew for sure what it was. We came back the rest of the week ... staying for a little while and leaving ... until we were told not to return and we would be notified. I never heard back and left the state after what I thought reasonable time of waiting had passed. I had class for two months ... then they closed the class ... there was no other class to take. This was the same as a school closing and a discharge of these loans should be done 27 years later. This school or AES has no information on this mater. I could understand if this was a degree program and I could have took another class the continue with my degree ... I could see if I quit and changed my mind about school all together ... I could see if I got my certificate and could not find a job in that field and did n't feel that I should pay ... but none of this is my case. Why should I pay {$14000.00} for these two months of XXXX when the main part of the class was closed to me?
Consumer complaint received 2018-04-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TekCollect Inc. (IL)

A Company Name TEK COLLECT Has An Derogatory Mark On My Credit And I'm Looking To Have It Removed. The Date Reported Is XX/XX/2018 In The Amount Of {$480.00} - It States Its From A Bank Institute with The Age Of 2 yrs And 7 months with Highest balance {$470.00}
Consumer complaint received 2023-05-04
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (LA)

I was in bankruptcy. The mortgage company was not applying the payments correctly from the trustee. We went to court and the judge ruled that they had to fix it. They have not. I am out of bankruptcy now, and the payments that I have been making they have been applying to the back due instead of the current amount that is owed so now it looks like I am defaulted and can no longer make payments. They have also added this to my credit report making it go significantly lower. I have receipts that I have paid on time as well as proof in their web portal that I have paid.
Consumer complaint received 2023-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Resurgent Capital Services L.P. (OH)

I was checking my credit report and this debt is on there, preventing me from financing for an auto, I have called to dispute this debt. I NEVER opened a credit card. I sent a letter for validation of Debt requesting Copy of the Original Contract, Copy of the payment history, Name/Address of the original creditor and proof of debt assignment. I only received a monthly statement from XXXX XXXX  and an account summary report showing the original creditor, a second company as the creditor and now this Resurgent Capital Services as the creditor. I have NOT received validation of this debt. I have disputed this debt. I have done all that I can but gotten nowhere.
Consumer complaint received 2023-05-02
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Source Receivables Management LLC (MD)

Source Receivables Management has violated my rights multiple times. They have been harrassing me through phone, email, and, mail. I did not give them permission to contact me nor given them my current mailing address. They have violated my consumer rights under code 1006.6.in which states, ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt. I hace not given them any permission to contact me via phone, email, or mail. I am disputing as well because I had no previous knowledge that I can dispute any derogatory marks placed against me by the original creditor or the collections agency. I seen them placed on my credit report and I disputed the discrepancies on my own. In turn, I am asking for a full copy of charges and account statement summary from original creditor or documentations that show my signature and information that willassist to the ownership of this account. In which, I do not have any knowledge of having an account with XXXX. I want Source Receivables Management to be fined for the harrassment and violating my consumer rights.
Consumer complaint received 2018-05-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: WELLS FARGO & COMPANY (MO)

XXXX to present..Wells Fargo, we had a Private loan with XXXX for {$15000.00} that {$15000.00} went to {$18000.00} Wells Fargo says we have another loan transferred from somewhere else for {$10000.00} which turned out to be {$13000.00} we have been paying on this loan for 8 years now and it is still {$25000.00} I want to know what gives the right to sell my loan with the accrued interest rate also? And then where did the {$10000.00} loan go to, where did it come from? I have check all my bank statements and the only one I can see accounted for is the {$15000.00} loan that was transferred from XXXX. I have another Private Loan through XXXX now, which was XXXX XXXX and it is for {$10000.00} that was suppose to come from XXXX. I called and asked my School for a report of all the loans that were taken out to go to this school and the lady was a XXXX XXXX. and told me to go to XXXX, they only report what they are told through all these companies. And their report is something totally different, than what is being reported through these loan companies. And then I have a subsidized loans that I believe XXXX has charged me their {$22000.00} that I had borrowed back in XXXX for XXXX XXXX University, and now I have another {$27000.00} loan, all my loans were with XXXX and they sold all my loans to XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and who knows what else. But they all go bundle together X2, I am no accountant, by my student loans went from {$22.00}, XXXX in XXXX to {$89000.00} at the end of XXXX At which XXXX also took out a {$4000.00} loan in XXXX of XXXX and I wasn't attending school since XX/XX/XXXX, due to failing and then they wouldn't let me back into school, I was deafly sick and eventually ended up having XXXX, but because I had dropped the program 2 times I wasn't allowed to go back to school. I have a statement from XXXX showing that I had only borrowed total amount {$16000.00} - $ XXXX does not equal out to {$89000.00} I have called all these companies and not one of them can send me a signature copy or contract of any of these loans, with the exception of the {$22000.00} ad {$15000.00}
Consumer complaint received 2023-05-02
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. (GA)

My name is XXXX XXXX ... the living human being, I am submitting this on my own behalf..no credit repair company..no attorney ... .this is my knowledge of the Fair Credit Reporting Act. I recently submitted to all 3 bureaus that my credit reports contain fraudulent accounts, I submitted all correspondence proving that these accounts are fraudulent yet the bureaus continue to send me reports claiming that these accounts belong to me without any PROOF! I know it's frivolous, hoping that I go away and accept this fraud. The consumer financial protection bureau know first hand that these companies work for the CORPORATE wolves! I demand that these bureaus, XXXX, XXXX AND TRANSUNION are forced to do their jobs! In accordance with the Fair Credit Reporting Act XXXX  accounts 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 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. 1681 SECTION 602 STATES THAT I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 604 SECION 2. STATES THAT CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN PERMISSION.

Every account listed above has been put on my credit reports fraudulently and I demand they every one of them is deleted immediatley! the Law is clear and all 3 of these Credit reporting agencies are clearly in violation of the law and I am prepared to do everything I need to do by LAW to hold them accountable! Every violation holds a monetary value that I will pursue in the courts.
Consumer complaint received 2023-05-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

Dear PayPal, I am writing to submit a complaint and appeal the permanent limitation placed on my PayPal account. I strongly believe that this limitation was placed by mistake and I have not violated any PayPal policy. 

I have been using my PayPal account for several years now without any issues, and I was surprised to learn that my account has been permanently limited. I have always conducted my transactions in accordance with PayPal 's policies and guidelines, and I have never engaged in any fraudulent or suspicious activities. 

I would like to request that PayPal re-investigate my case and restore my account if possible. I understand the importance of maintaining a safe and secure platform for all users, and I assure you that I have no intention of using my account for any unlawful or unethical purposes. 

I kindly request that you provide me with specific details regarding the reason for my account limitation, so that I can address any concerns or misunderstandings that may have led to this decision. Additionally, I would appreciate any assistance you can provide in resolving this matter as quickly as possible. 

Please note that the email address associated with my PayPal account is XXXX. I look forward to your prompt response and thank you in advance for your assistance. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2023-05-02
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: South River Mortgage, LLC (FL)

We went through South River Mortgage for a Reverse Mortgage, we were dealing with XXXX XXXX his phone # is XXXX. It took a year to get through this and we mainly went for the Loan so that we can get out of debt and to fix up our house. Well when it came to closing they rushed us through the signing. We were told to get Air Conditioner done and also to paint the house, that was suppose to be paid at the closing. The paper work even said if they asked you to fix something that it was suppose to be paid at closing and they did not pay, I am paying payments to the Air condition Company, and trying to pay the painters off. The Air Conditioner owner was very angry also and would talk to XXXX and he kept telling him we were closing soon and that he would get paid, then towards the end he wouldn't even answer his calls, we need a new roof, new electric Box, then repairs in the home, We received {$2800.00} I had to get the rest of the money to make it {$3000.00} down to start paying off the air conditioner man and we have to pay him {$500.00} a month, we shouldn't have to pay anything, I tried calling XXXX so many times and he would not answer the phone, it went from South River Mortgage to Open Mortgage to XXXX, we didn't know what was going on, very confusing, we have money in Escrow and they told me I would get money next year now XXXX says I'm not getting any money, so what is the purpose of us doing this if we have to pay for everything our self 's. Please help Me.
Consumer complaint received 2023-05-04
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. (MS)

XXXX XXXX Closed on XX/XX/2023 XXXX  XXXX Closed on XX/XX/2023 XXXX  XXXX XXXX  Closed on XX/XX/2023. Fraudulent account an shouldn't be on my credit report they do not belong to me they where open fraudulent there fraud accounts
Consumer complaint received 2016-08-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (FL)

The Credit Reporting Agencies are reporting a Chapter XXXX bankruptcy discharge, identified by " case number '' : XXXX, on their own conduct and behavior. I did not give the Credit Reporting Agencies any Prior Direct Consent to communicate this information on my private credit file. Further, Bankruptcy Courts does not report or attempt to report Items on a consumers private credit file. These actions are solely being done by the Credit Reporting Agencies and/or their Agents. 

The reporting of this information is also obscene and profane which lead to the natural consequence being abusive to me the consumer before and after reading and hearing this information.
Consumer complaint received 2023-05-02
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear, Experian Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following accounts : XXXX XXXX XXXX XXXX Account Number : XXXX  is reporting a balance when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing on my consumer file. 

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 

I would demand that the accounts be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel. 

Thank you in advance, XXXX XXXX
Consumer complaint received 2018-04-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

I submitted a CFPB Complaint on XX/XX/XXXX-XXXX. 

Response dated XX/XX/XXXX from CHASE states my loan Trial Period Plan is APPROVED. However, the trial plan would be sent separately once generated. However, a Trial Period Plan payment letter was generated on XX/XX/XXXX Did they not see this letter generated? Representative 's at CHASE explain that this letter should not have been sent as they see that the Modification was denied by Final QA and returned to Underwriting. An explanation on why it was returned, is not in the system. Therefore, they were not able to advise of reason why it was returned to underwriting.XX/XX/XXXXI spoke to XXXX XXXX from the CHASE-Executive offices. He stated that my Modification, was NOT approved. That letter dated XX/XX/XXXX advising me of my Trial Payment being DUE was an error or glitch in the system. That my Modification had been rejected from Final QA and they are pending a response from the Underwriting Department.XX/XX/XXXX, I spoke to by Relationship Manager XXXX XXXX, whom also advised that my Modification was NOT approved. That she would send e-mail to the Underwriting Dept. as she could not give me a response as to the letter I received and that she was not able to view it in the system. I advised I complied with the 1st Trial Payment and made the {$1200.00} payment. I would appreciate that the Executive office responding to the CFPB complaint provide accurate information and not further provide inaccurate retention approval and their response is unacceptable. Time is of the essence and CHASE inability to communicate efficiently, provide false retention assistance/approval, may put my loan to potentially be referred for Foreclosure.The response is misleading as the Modification has not been approved.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 
It is also my understanding that Under the FCRA 15 U.S.C. 1681, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that are adhering to mandated Metro 2 data formatted reporting standards according to regulations.
Consumer complaint received 2023-05-04
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 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-05-04
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. (NV)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX Balance : {$19000.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-04
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. (FL)

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 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
Consumer complaint received 2016-08-22
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: PNC Bank N.A. (IL)

My mortgage line of credit monthly payment will go up, XXXX 2016, from {$350.00}. to over {$850.00}. This is a payment I can not afford. Without any success I reached out to PNC to come up with a mutual solution.