davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

I received 2 feet of water in my home during Hurricane Harvey, our home was declared " substantially damaged '' and we have, therefore, decided to demolish our house and build a new, elevated home on our lot. 

I am attempting to use the $ XXXX in flood claim money, being held in a restricted escrow account by Freedom Mortgage, to pay off my mortgage and close on a construction loan. However, Freedom Mortgage is not providing me sufficient documentation to enable this process with my new mortgage company and title company. They will provide NO documentation that they agree to use the loan funds to payoff the mortgage, which is required by the title company. 

I have been working with them since XX/XX/XXXX without a resolution and need your assistance. 

I have kept a detailed log of all contacts with Freedom Mortgage and I have faxed a letter requesting assistance to the CEO of Freedom Mortgage. Those documents, along with my other requests to Freedom Mortgage, are attached to this complaint.
Consumer complaint received 2018-07-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ameritech Financial (PA)

I was contacted by Ameritech Financial via phone in XX/XX/XXXX. They claimed to be a company backed by the government to assist with persons who needed help paying their student loans. They stated that if I qualified their program would result in forgiveness of my debt by the United States government for my student loans. They asked me a series of questions that ultimately led to an approval to the program. My student loans are held by XXXX and Ameritech told me they would deal directly with XXXX for a foregiveness of my student loans and my payment would be XXXX dollars a month and would be paid to XXXX through Ameritech. I have been making automatic payments for twenty-eight months to the equivalent of {$2700.00}. I received a letter from the Federal Trade Commission dated XXXX, XXXX stating they have begun the process and have sued Ameritech Financial for deceptive practices. I contacted XXXX who told me they have not received any payments toward my student loans as of XXXX XXXX. As a result, I have to take steps to ensure Ameritech can no longer access my bank account and take back control of my student loans through my lender. This has cost me thousands of dollars in interest charges and 28 months of payments toward my student loans.
Consumer complaint received 2018-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MA)

I have been denied a credit because of in accurate information on my file with Experian Credit Reporting agency. I disputed the info last year and they supposed to delete and or correct it however they did not. I called Experian again today and they told me they will contact the creditors and get back to me. The status information on file shows the accounts were involved in a bankruptcy, however these account were a mortgages and a line of credit were paid in full and never were involved in any bankruptcy. I need your help here to get these derogatory information being removed from the file, since other Credit Bureau has no issue with this. I am in the process of refinancing my house again and buying a new car. Please help me here.

Thank you for your prompt attention.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX   XXXX XXXX
Consumer complaint received 2018-07-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Ameritech Financial (AK)

I received a letter today on XX/XX/2018 from the Federal Trade Commission. However the letter was dated XX/XX/2018. The letter states that I am a customer of Ameritech Financial or a related company, XXXX XXXX XXXX XXXX  in connection with my student loans. It appears that the Federal Trade Commission has sued Ameritech Financial for deceptive practices. I have been working with Ameritech Financial for a about a year now. Every month they take {$50.00} per month to apply towards my loans to get the rate lowered. I asked Ameritech Financial where was the fifty dollars going every month. I was told that it goes into an account. I got curious again, and called FSA and told them what Ameritech financial said, and FSA said that Ameritech financial can not change the amount of loans that is owed to them. I was told that ; federal Student Aid will charge me a higher rate to pay off my loans. I also received a letter that my renewal is up in XX/XX/XXXX. If that is so, and they have been sued, then how are they going to stay in business?
Consumer complaint received 2022-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-08-24
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. (PA)

My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2019-02-14
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. (VA)

On XX/XX/XXXX, I mailed letters to XXXX, XXXX, and Trans Union ; asking them to investigate errors on my credit report. They were supposed to respond within 30 days, but they have not.
Consumer complaint received 2022-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This complaint is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

XXXX XXXX XXXX XXXX XXXX Opened Date XX/XX/2016 Balance $ XXXX Late Dates XXXX
Consumer complaint received 2018-07-03
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

I paid this card with payment arrangement and settlement with the credit card company and I was offer if i made 4 payments in the amount of XXXX my account will be close and remove from my credit report. It been 2 years since i paid off the account, I tried to disputed in my credit reports and no change has made. Can you please help me with this.
Consumer complaint received 2018-07-05
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MARINER FINANCE, LLC (NY)

I've been contacted on my work cell phone number 3-4 times over the previous 2 years by a company trying to collect a debt on my father ( who presumably used my phone number as a reference when applying for a loan ). I've instructed the caller in each instance to never contact my number again, and that they were illegally calling a work phone number. The last time they called was on XX/XX/2018. The company 's name is XXXX XXXX ( XXXX ), located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX. The collector provided his name as XXXX XXXX.
Consumer complaint received 2022-08-24
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX 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 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 an account without my written instructions.
Consumer complaint received 2019-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/19 I purchased a gift card in the amount of XXXX from XXXXXXXX to XXXX XXXX. That is the only transaction I authorized. 

On XX/XX/19 I checked my online banking and to my dismay I fount 3 additional transactions to the same company in the amounts of {$600.00}, {$140.00}, and {$150.00} I contacted Bank of America to advise them of the unauthorized amounts. They advised me to start a dispute online. 

I made an error in selection for the reason for the dispute when doing this online. I called bank of America again to notify them of the error and to ask them to take the dispute over the phone. I also needed to add to the dispute that the initial {$250.00} because I had not received the emailed gift card that I had ordered. The website XXXX states that the gift card would be emailed electronically instantly. 

I made multiple attempts to contact XXXX at the telephone number they provide on their website, as well as wrote to them in a comment box that is on their website. I haven't heard back from them to this day. 

Bank of America approved 2 of the disputed transactions. One for XXXX and one for XXXX. 

The remaining 2 transactions have not been approved, and in the mean time, I have had payments come out of my account that are overdrawing my account because of these unauthorized transactions, and I am being charged NSF Item fees for these transactions.
Consumer complaint received 2018-07-03
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TRANSWORLD SYSTEMS INC (CA)

My first interactions with this firm were relatively fine, but since my account was transferred to XXXX XXXX, the communication has ranged from sparse to incompetent to non existent or unpleasant. It has not gotten to the point of threatening, but just barely. 

I have submitted multiple proposals for settlement handwritten by mail as well as via email and have attempted to call my representative. I've even contacted the main office to ask for a new case representative and have copied other addresses and have not had anyone respond to those requests. Since the original papers were served, I have not received anything in the mail or email about my case before they have brought the recent actions. I call and email XXXX XXXX and she claims to call me back, but does not. She often does not return my phone calls or answer my emails. The few times she has called, it's been in windows of time where I have explicitly stated that I was unavailable. I have submitted proposals and asked for information on next steps and have not received anything. Phone calls and emails have stopped entirely. 

It was my understanding that they could not continue to take action on my account when there has been new filings for settlement options, but they have continued to take money from my account and place more freezes even after I have submitted formal proposals and have tried to communicate. I feel that XXXX XXXX is intentionally not filing or responding to let things lapse and take more money from me. 

I can not pay more money than I have and have tried to communicate my parameters and offer as much as I can, but have not been met with reason and then communication just ceased while money continues to be taken from my account. 

I would like to pay these off, but can't do so if they continue to take every penny I make out of my account each month. This is the second month in a row I am unable to pay rent on time and will have to pay additional late fees on all of my bills thanks to XXXX XXXX not doing her job and this firm not being responsive to my requests for communication. 

I no longer live in Colorado so I am unable to appeal to a judge. I also don't receive information in a timely manner in order to deal with these things before it is too late and I'm unexpectedly out thousands of dollars. I am happy to pay monthly to move forward with this, as I've been advised by members of this firm in the past, but I can't deal with unreasonable or predatory people.
Consumer complaint received 2019-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a Bank of America Visa card. This account was paid and should be off my credit report but Bank of America show it still unpaid. I've tried to get them to correct the information but it still shows up as unpaid on my credit report.
Consumer complaint received 2022-08-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Law Offices of Hayt, Hayt & Landau, LLC (PA)

On XXXX XXXX I was notified by my financial institution, XXXX  XXXX XXXX, that my account had a lien placed on it by Hayt, Hayt, & Landau, LLC ( debt collection firm ) due to a outstanding credit card debt. My bank account was frozen and {$1400.00} was seized. On XX/XX/2022, I received written communication in the mail from the bank ( see attached ), which stated that I owed {$3400.00}. On XX/XX/2022, I contacted Hayt, Hayt, & Landau, LLC, via telephone along with my mother, who provided them with her banking ACH information to do an electronic funds transfer in the amount of {$3400.00} from her checking account. Prior to making this payment, I was told by XXXX XXXX, ( a representative of Hayt, Hayt, & Landau, LLC ), that once the {$3400.00} payment was made, they would refund the {$1400.00} to my checking which had been previously seized and placed in an escrow account. As of today, XX/XX/2022, the funds have not been placed in my checking account nor has my bank account been restored for me to use. On XX/XX/2022, I walked into a branch of the bank to discuss this matter with Relationship Manager, XXXX XXXX, to whom I provided a document stating that I had paid Hayt, Hayt, & Landau, LLC the amount owed of {$3400.00}. Still, my checking account has not been restored nor have I received my {$1400.00}. I have sought legal counsel who has emailed and faxed the bank representative, however, I still have not gotten anywhere with this. 

Your assistance in this matter is much needed and will be greatly appreciated. Should you require any additional information, please feel free to contact me via my cell phone, email or USPS. 

Thank you.
Consumer complaint received 2022-08-23
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 have been disputing this account for over a year now. XXXX XXXX XXXX XXXX has ignored my request to provide me with all documentation in their possession pertaining to this account. So I don't understand how the credit bureaus are constantly updating this account as verified when I am 100 % sure XXXX XXXX XXXX XXXX hasn't provided them with any proof of the account either. On top of that, I have not received any results from the credit bureaus from any of the investigations I have requested. Here are the dates for each dispute I have sent XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22 for this year. So at this point its clear that the credit bureaus have not conducted a proper investigation for this account which is a violation of the FCRA. I want this account deleted ASAP.
Consumer complaint received 2022-08-24
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: EQUIFAX, INC. (NV)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NV XXXXXXXX XXXX XXXXXXXX Reference # : XXXX Closing Date : XX/XX/2014 Liability : {$0.00}
Consumer complaint received 2017-02-01
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Social Finance, Inc. (CT)

XXXX XXXX, a manager at SOFI, told me on XXXX/XXXX/XXXX that my debt consolidation loan could not be cleared to close after I submitted the requested documentation to the company two weeks earlier. I was originally approved for {$25000.00} by SOFI and was trying to consolidated {$18000.00} of credit cards. SOFI requested my tax returns, since I am self employed, for XXXX and XXXX which I provided. Then they requested all of the schedules that I did not have. I called to ask which schedules, for personal or business returns, and the lady I spoke to said that since I received paystubs from my business, that I could just submit those for approval. I submitted my last XXXX paystubs by uploading them to SOFI and I called back to make sure they were received. Now a new rep said that I still needed to submit the schedules for the tax returns, even after I had been told that my paystubs would be fine. I called SOFI today and XXXX, another rep, said that they were still looking for schedules. I then spoke to her manager XXXX XXXX, and he refused to speak to my accountant that was on the line with me and was trying to see what schedules they wanted. This company is terrible in its customer service and lies to consumers about what is required for loan approval. The reps are not properly trained and tell you different things about the requirements because they are just reading off of the software for the client file but do not really know what is happening with files. The process is misleading and every person you talk to tells you something different. I have wasted a lot of time and I have been unable to consolidate my credit cards which are at very high rates. Managers are also terrible and extremely rude.
Consumer complaint received 2022-08-24
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. (NV)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX Balance : {$150.00}
Consumer complaint received 2022-08-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Elevate Recoveries, LLC (TX)

Received a notification about this hitting my credit report, when I have no idea who they are, it says a medical debt, but I am a XXXX XXXX XXXXXXXX veteran and have been under Va care since 2010. ALL my medical is covered by the VA, so not sure how they're saying I owe them anything.
Consumer complaint received 2020-05-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Porsche Financial Services, Inc. (NY)

I leased a XXXX XXXX  from Porsche Financial Services. The car was garaged and driven mostly highway and in the suburbs. No city driving. I arranged for a pre-lease end inspection and a surly individual spent time with the car and was noncommunicative about findings. I subsequently received a bill from this company for {$2700.00} ( attached ) with misinformation and pictures alluding to scratches which were not visible. The measurements of the treads were just wrong - the car just passed inspection. I asked to see measurements and was brushed aside. I then received an unofficial estimate for {$4700.00} from Porsche Financial Services. I called the dealer and they said not to worry, I would receive an updated reckoning, which I have not. I turned in the car XX/XX/XXXX. The dealer noted the car was in excellent condition. I have yet to receive notification from Porsche Financial Services, which was supposed to be w/in 24 hours. There should be NO excess wear, as this car was in pristine shape when returned. Thank you.
Consumer complaint received 2022-08-24
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. (NV)

On XX/XX/2022, The debt collecting company XXXX XXXX XXXX XXXX Brought a debt from XXXX XXXX  XXXX. And has reported this debt to my consumer reports accounts with out prior consent. Not only has this affected my credit report negatively, but I have also been discriminated against by banks and lenders which ultimately affects my family. These abusive practices has hindered forward growth.
Consumer complaint received 2022-01-04
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: Paypal Holdings, Inc (NY)

I saw a purchase of {$97.00} on my PayPal on XX/XX/XXXX on my account under email Id XXXX which wasnt authorized by me. 
I disputed and raised security concern with PayPal on the unauthorized activity. They said that since IP address matches on their side they consider this an authorized transaction. 
I also requested them to escalate the issue that Paypal is onboarding dubious accounts and not performing due diligence. This potential account which is posing as XXXX XXXX XXXX may be cheating other customers. 
I requested them to escalate and resolve both the issues however its being ignored.