davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (FL)

I am on an income based repayment plan which must be re-certified each year. I have filled out the form from the government website three times since XX/XX/18 and each time I am told it can not be processed, claiming it is the wrong form, the signature expired, etc. I have called and told by customer service there is no reason why it was not processed and someone would investigate and call me back. Never got a call back. Second call I was told to fill it out again and did. I have included all supporting documentation. 

My other three loan servicers have approved my IBR with no problem back in XX/XX/XXXX. American Educational Services is incompetent.
Consumer complaint received 2018-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (LA)

XXXX XXXX and XXXX XXXX are both trying to collect on a debt I do not owe on XXXX. Not only is this debt not mine, They are in clear violation of the FCRA for DOUBLE REPORTING.
Consumer complaint received 2018-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This account from XXXX XXXX XXXX is showing closed by consumer on my credit report. The account also said it is a charge off therefore it was not closed by consumer. The last payment made was XX/XX/2013 according to credit report. The remaining balance is also incorrect.
Consumer complaint received 2018-06-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (LA)

About a year ago I contacted this company about this debt. I sent written notice that this was not mind I have document this debt was removed. As of two months ago this company has placed this false debt back on me. I do not have a contract with this company, have not gone to any hospital any two months ago, false debt.
Consumer complaint received 2018-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Cadence Bank (NY)

I think it is unfair that banks can force you to forfeit your interest when you are closing your account. BancorpSouth charges a {$6.00} fee to send you a check to close your account. Therefore, I brought my balance down to {$0.00} myself on XXXX, then closed the account. The interest it earned was forfeited to BancorpSouth on XX/XX/16 through a DDA charge because the amount was less than {$6.00}. They claimed they could not electronically transfer the interest to my funding account. I think that is unfair that you either pay a fee to them to close the account or forfeit your interest earned because it is less than {$6.00}. An electronic transfer costs the bank next to nothing.
Consumer complaint received 2018-08-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX I purchased a cashier check in the amount of {$12000.00}. Immediately after receiving the check, I left the bank enroute to XXXX. I placed the, check, wrap in plain white paper in an unaddressed envelope, given to the XXXX. The XXXX, according to their standard, placed the unaddressed envelope in their overnight mailing envelope. The mail to address, after being confirmed by me as being correct. I was given the shipment receipt, showing that a signature from the recipient was also required. As of this date ( XX/XX/2018 ), the shipment had not been delivered. I went to the Bank of America office where the check was purchased, starting on the XX/XX/2018.I 've also made several phone calls requesting. stop payment on the cashier check. The response I always received. was that no stop payment until after 45 days after check was created.I felt that was not fair. If the check was cashed by the wrong party, the loss would not be the banks, but mine. The cashier check in question is still floating out there. I've also contacted the XXXX several times, including today ( XX/XX/2018 ). Their latest response : Tracking package and investigation. I have copy of check and XXXX mailing receipt
Consumer complaint received 2018-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

See list of inquiries on my credit that I did not authorize and I know nothing about. 
XXXX/XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX XXXX/ XXXX XXXX   XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX/XXXX   XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$2500.00} XXXX  - XXXX - XX/XX/XXXX - {$65.00} XXXX - XXXX - XX/XX/XXXX - {$560.00} XXXX  - XXXX - XX/XX/XXXX - {$280.00} XXXX XXXX XXXX - XX/XX/XXXX - {$1700.00} XXXX - XXXX - XX/XX/XXXX - {$1300.00} INQUIRIES : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2018-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Greeting, I have submitted to the credit bureaus Transunion and XXXX within the last two years several disputes in refrence to several accounts that were opened under my name and social. They were able to successfully remove a few items, however there were others that were still reminding on the credit report such as a two bankruptcies that were filed on my credit report. On XX/XX/2016 and XX/XX/2016 After being told that the account and items were valid, the items remained on my credit report. Preventing me from obtaining credit and being denied for several investments.
Consumer complaint received 2018-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (CA)

On XX/XX/2018, credit card payment of {$10000.00} was made and posted on XX/XX/2018. 

On XX/XX/2018, {$10000.00} payment made was posted on XXXX XXXX where funds were withdrawn. XXXX Bank received {$10000.00} from XXXX XXXX, and it was also verified by XXXX XXXX that funds were released to US Bank. US Bank would not apply {$10000.00} payment made to available credit, even after funds were released ( by XXXX XXXX and received ( by US Bank ) for 2 days, but put a hold on payment for 7 days without valid justification. At XXXX, I spoke to XXXX , representative from US Bank , and advised me to have XXXX XXXX fax the proof of the payment transaction of {$10000.00}, then they will release the hold. All the conversations were being recorded by US Bank. 

On XX/XX/2018 around XXXX, I spoke to XXXX, representative at US Bank in Missouri, advised me again to have XXXX XXXX fax the proof of the payment transaction of {$10000.00}, then they will release the hold. At XXXX, XXXX XXXX sent a fax to US Bank of what they requested. I called US Bank at XXXX, spoke to XXXX , representative at US Bank ( phone recording confirmation # : XXXX ) to check the status of the fax sent, it was received but they still would not release a hold, once again XXXX at US Bank could not provide valid justification. To XXXX, I requested supervisor call back, but never received a call, XXXX never put a request. I decided to go on a trip with trusting what they have advised me ( to release the hold ) on XX/XX/2018, but could not use my credit card because of their deliberate lie. 

This is unacceptable and abusive business practice to American people and this incident should be reviewed by CFPB carefully and also by other government agency who has enforcement capability.
Consumer complaint received 2018-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX XXXX  is reporting wrong information to all three credit reporting bureau 's. XXXX XXXX is reporting a balance of {$2400.00} on the account. It is showing the original charge off amount is {$5300.00}. The last payment XXXX received was {$200.00}. If the amount of the charge off is XXXX and the balance is now XXXX the last payment should be more. It is also showing on the credit report the last payment was received in XX/XX/2014. On the credit report It shows no data for the payment history of XXXX and XX/XX/2014. This whole tradeline is showing incorrect information that does not add up.
Consumer complaint received 2018-06-19
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. (OK)

XXXX, XXXX XXXX, Equifax - I have an old C.C. account ( XXXX ) - ( it now has new last four digits ) with XXXX XXXX. I've had this account for more than 12 years ( I'm not giving the exact time ) and I was 30 days late on a payment more than 9 years ago and they are still reporting me as having a late payment history. I have contacted all three credit reporting agencies and XXXX XXXX credit card services and they all give me the same reason for not having the item removed - " We are required by law to accurately report your payment history. If you can show proof that this information is incorrect simply submit your dispute in writing and we will investigate and then get back with you regarding our findings ''. Seriously! I'm not disputing the fact that I was late on a payment - but am I to be punished for the rest of my " credit '' life for being 30 days late ONE TIME - YEARS AGO? That's TERRIBLE! A XXXX  can get paroled and even a commuted sentence but a 1 time late payment stays with you for LIFE. Surely there is SOMETHING that can be DONE? Please help
Consumer complaint received 2018-08-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have inquires on my credit report that I did not ask for anyone to check my credit. I need for the hard inquires to be removed from my credit report which is making my credit score go down. Please remove the credit inquires to be removed from my credit report. I did not ask for anyone to check my credit for me. This hard inquires has been happening for the last two years. Please remove the hard inquires on my credit report and do not let anyone else check my credit unless I am notified
Consumer complaint received 2018-06-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ECMC GROUP, INC. (TX)

Despite attempts to request copies of loan documents evidencing the students loans that ECMC has said have not been paid, ECMC has refused to provide copies. Instead, printouts of what was supposed to have been outstanding was sent to my attention. When I insisted that copies of the actual documents be made available to me in preparation for a hearing to determine whether my wages should be garnished, ECMC apparently forwarded documents to the Department of Education ( what documents, if any, that were sent by ECMC to the Department of Education were not made available to me ), who made a determination that no hearing was necessary. The letter from the Department of Education is attached. The Department of Education letter does not reflect the supporting documentation that was submitted to ECMC. I would have certainly provided the Department of Education with the supporting information and documentation, if provided with the opportunity to do so. 



All of my documentation regarding repayments and in preparation for the requested hearing was forwarded to ECMC as was requested by ECMC. My wages had been garnished for over 7 years, and as a result over {$50000.00} had been repaid. My request was for documentation reflecting the exact amount that was owed. Instead, ECMC became incensed that the request was made, refused to provide any documents showing an outstanding balance other than a computer print-out ( schedule of payments ), and refused to consider the request made by me for relief under 34 C.F.R. Section 682.410 ( b ) ( 9 ) ( ii ) ( E ) ( garnishment of wages would cause undue hardship - documents were sent to ECMC supporting the undue hardship, but there is no verification that those documents were delivered by ECMC for review ). Monthly payment obligations were also sent to ECMC in anticipation of a hearing. There is no evidence that those documents were reviewed or considered.

Student loan documents may refer to specific rights, deferments, relief related to periods of unemployment, family tragedy or reduction in debt obligation due to employment at a non-profit. I have been deprived of the opportunity to review those documents and verify the outstanding balance of any loans that may be outstanding. Instead, ECMC has acted punitively as a result of my request that they provide the proper paperwork that shows the amounts owed and its authority to collect the outstanding debt. Such requests for documentation and verification are minimal and owed to every borrower. ECMC has insisted that I verify the loans in which they have no documentation, and enter into a payment agreement in order to prevent garnishment of my wages. While I am willing to pay, and have been paying for over 7 years, I can not verify and confirm a loan obligation where no documents have been provided by the debt collector.
Consumer complaint received 2018-08-26
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. (FL)

I have brought this situation to the attention of XXXX XXXX XXXX XXXX on several occasions and it still appears on my credit reports. XXXX, XXXX and XXXX lists the following : Delinquent Account Alert Type : Delinquent Account Processed Date : XX/XX/XXXX Account number : XXXX Creditor 's Name : XXXX Type of Industry : Miscellaneous Finance Companies Address : XXXX XXXX XXXX , XXXX XXXX , MO XXXX Payment Status : Wage Earner Plan Creditor 's Preferred Contact Method : Other Consumer Statement : Dispute resolved ; customer disagrees. 

I have attached copy of the discharge from Chapter XXXX and official Payment Plan. You will notice the Payment Plan states Other Provisions Not Included Above : b. The secured claim ( s ) of the following are intended to be paid directly, are not provided by the Plan, and shall retain their lien ( s ) : - XXXX XXXX ( XXXX XXXX XXXX ). XXXX XXXX XXXX sold the loan to XXXX. 

This claim was paid in full as agreed. There were no late payments and there is not outstanding amount. I have the title to the vehicle.
Consumer complaint received 2023-04-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

the card was opened fruaditly I contact the credit Breau, and they state is a valid debit and it is not i have asked several times for the debt to be removed or validated and they have no complied.
Consumer complaint received 2021-11-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NY)

On XX/XX/2020, I attempted to direct deposit {$15000.00} into my Cash App account. This money was sent from my account with XXXX. However, without notifying me, my Cash App deposit account had been closed. Therefore, the funds were rejected. I expected to see my money return to my XXXX account but it never did. This money has been missing ever since. 

I talked with Cash Support, and they were able to provide me with a PDF that shows that XXXX did indeed attempt to deposit the funds. I've attached this document. 

Some months ago, I actually filed another complaint against XXXX, thinking that they were at fault. XXXX confirmed that they do not have the funds. I've attached XXXX 's response. 

I shared this information with Cash Support, but they would not help me. Additionally I checked the unclaimed funds service but did not find anything.
Consumer complaint received 2018-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (TX)

Navy Federal continues to report fraudulent accounts on my credit report ( s ). These accounts were not opened by me, I have not ever benefited from these accounts and have already reported these accounts to Navy Federal Credit Union as fraudulent. First of all Navy Federal found my phone number some how and called my phone sending threatening voicemails, stating they would come to my house and that they would make sure I " go down ''. I did not authorize this company to call me first of all, Second of all after my Identity was stolen these accounts and membership were opened at Navy Federal. I never received any Credit Cards from them. When my identity was stolen the crook opened two credit cards with Navy Federal credit union, and a checking and savings. This information was received by calling their customer service number. Additionally Navy Federal CU only got my new address because on my Complaints from the CFPB it shows my address. So they updated their system on these fraudulent accounts with my new address. I should not be liable for accounts and cards that I NEVER RECEIVED. Also on their website per their terms it states if you open a membership with them online, they will send you a signature card to sign and send back. Approving that you opened the membership with them. I want to make it clear that I never received that by mail, and I NEVER SIGNED IT either. I know that for fact. Lastly, I want these accounts removed from my XXXX credit bureau reports and all of the other reporting companies they are reporting to. I never opened membership with this credit union. The crook forwarded my mail and also received all of my personal information after stealing my wallet they had my SSN from my Social Security Card and my Drivers License, and Also my Email addresses. I did attempt to recover my wallet but I was not able to. I have already tried reporting this to Navy Federal Credit Union as fraud and they continue to deny anything saying they researched and there are differences in stories. That's not true its been the same information every-time. I DID NOT open membership with your credit union. I have not ever received any cards and I found out from USPS that my mail had been forwarded. I have only recently corrected that. I do not have account numbers to report because it doesn't list them and I never received any cards. Lastly I have not called in on these accounts but only to tell you these were fraudulent. Please update your records and correct the fraud. Which I believe occurred from someone inside Navy Federal especially after receiving calls of threats. I do not owe these accounts because I have already notified you of Identity theft and my rights from the FCRA. Please update the credit bureaus promptly and update your internal records.
Consumer complaint received 2018-08-26
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: DISCOVER BANK (WI)

I ordered a security system for my husband for a XXXX present but I changed my mind and sent the unopened package back. I refused delivery. I have the shipment document that they received the shipment back but they are still trying to charge me for it. Discover started to automatic debit my checking account without my permission to get this payment. I have spent hours on the phone with Discover trying to resolve this. I wanted to send the documentation that it was sent back with registered mail but all they have is a P O box for disputes. I tried to file the dispute on my online account but I have not used it in so long it was on a old phone number so I couldn't get the security code. I have sent them documentation from XXXX through the mail 4 times. I still can't get this resolved. The purchase was made through XXXX.
Consumer complaint received 2018-08-25
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. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ) XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ).