davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (SC)

I have two student loans which are being serviced through American Education Services. I have applied two separate times for loan forgiveness only to be denied on a technicality of paperwork. 

I applied on XX/XX/2020 and was denied because I did not put my name and Social Security number on the back back of the page. The same information was on the front side of the application and it was on one sheet of paper. I was told I would have to start the entire process over. 

On XX/XX/2020, I resubmitted the application and was again denied because the date was not in the correct format dd/MM/yyyy. The dates were there just not in the format they wanted. I was again told I would have to resubmit the entire paperwork. 

Being denied due to some minor technicality is ridiculous. This is an unnecessary burden to something I am entitled to. 

In addition, I am being told I have to continue my payments even though the federal government has suspended all payments for student loans that are not private. They are violating the law.
Consumer complaint received 2022-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-05-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners (PA)

I received a debt collection letter in the mail. When I called to dispute the debt the lady got attitude and talked about filing a fraudulent police report. When I called back to talk to other representative, the guy that answered was not polite and hung up on me. Both times I was ensuring nothing further needed from me, and nothing needed submitted in writing disputing the collection. 
I tried explaining the patient in question was a prior XXXX XXXX  however was not placed with us during the service date listed. We did not even know each other at that point. The patient in question was still living at home with his biological parents.
Consumer complaint received 2022-10-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, KY XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$7500.00} ; XXXX XXXX Balance : {$3000.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2017-01-20
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Prime Business Service, LLC (CA)

Prime Business Service is collecting on the same debt as the bank. THey are both reporting and damaging my credit. I have been fighting it and they claim it is valid. I have proof that they are duplicate reporting and collecting. They are in violation of the FCRA. This needs to be fixed or they need to be fined.
Consumer complaint received 2023-01-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MI)

I paid {$500.00} dollars for a camera that someone was selling on XXXX through XXXX on XX/XX/XXXX. He had sent me videos of the camera in real time and was showing me it and even showed a picture and video of him at the XXXX store to ship it. I sent him the money to his XXXX which was linked with his phone number and then he sent me a tracking number which turned out to be fake.
Consumer complaint received 2023-04-17
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-05
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. (WA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX,, XXXX : XXXX, XXXX XXXXXXXX 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 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-06
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. (IN)

My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

XX/XX/ I needed to log into my existing membership account with Experian to lift a credit freeze which I placed on the account through their online website. 

I could not log into my online account with Experian. I could not recover my username or password through their online processes as their website indicated that my SSN and birthdate did not match. This left me with other option than to contact Experian via telephone. I called every customer service telephone number provided by Experian and in most every call their automated phone system would not connect me to a live person / agent and directed back to their website to reset my username and password. Somehow, after 30 minutes of multiple calls to their customer service dept., I was connected to a live person/agent ( I have no recollection of how I got to this person ). I was told by this agent that my membership was no longer active and as such my online account had been disabled ( I had never been notified of this previously ). I was not told why my membership was disabled. To reactivate the membership I was then required to go through a series of unfair security questions, which apparency required that my responses were 100 % accurate in order for my membership to be reactivated over the phone. I was asked 6-7 extremely difficult questions by this agent who spoke very poor English and was hard to understand. Despite what I thought were correct responses to all of the questions, I was denied access to reestablishing my membership. I was then told that I in order to reestablish my membership I needed to send copies of my Social Security card, driver 's license, and a recent utility bill with proof of my home address to a physical location for Experian in Texas by US mail ( How insecure is that! My SS card, driver 's license, etc. being sent in an envelope by US Mail to Experian ... what a joke and a completely dangerous manner of keeping my personal information secure ). I was not told what would happen next other than upon receipt of this information I would be sent an email or receive a telephone call regarding my membership. 

I'm XXXX XXXX old and I have never experienced more frustrating and poor customer service by a company that should be here to serve its customers. Experian has exceptional control over our personal information and credit reporting, yet they make it next to impossible to get access to our personal information via their online website or in speaking with an employee in their customer service department. 

This is unacceptable and needs to be changed. Experian is holding consumer information hostage from the very people who own the data and need it to fulfill their personal and financial obligations.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

IVE REQUESTED THIS ACCOUNT CHILD SUPPORT ENFORCEM Account XXXX XXXX  be removed immedietaly. I DO NOT HAVE ANY BALANCE NOR LATE PAYMENTS WITH THEM. This is illegal!!!! Attached is the proof from the CIRCUIT COURTS PROVING I HAVE NO CASE NOR DO I HAVE ANY BALANCE OWED NOR HAVE I EVER BEEN LATE!!!! TRANSUNION IS VIOLATING MY RIGHTS
Consumer complaint received 2017-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

A 90 days late payment from XXXX XXXX XXXX XXXX has been posted to my credit report from Experian.  XXXX insisted that they did not provide Experian with any late payment and such information is incorrect.Several calls and letters written to Experian have not been returned, and no resolution to this issue has been reached.Experian needs to remove the 3 months (90 days) late payment from XXXX XXXX on my credit report
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (FL)

I am currently on a 3 month forbearance plan with my lender. Despite this they have reported me negatively to the credit bureaus resulting in a 60 point drop in my score. I am not late, my mortgage has not changed at all and yet they are submitting false information and hurting us yet again.
Consumer complaint received 2018-03-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

This university is collecting tuition and fees while dismissing students at anytime without evidence. Thus keeping the students funds that loans have been taken out for. These loans have been isssued through this institution then redeemed by the institution and forcing forfeiture of ability to benefit. They have done this to someone with a mental/emotional   XXXX or XXXX. The institution does this without hearing. When asked questions during dismissal the representatives said that they would not answer questions. When superior representation was contacted student was directed to an ombudsman. The ombudsman allowed for this students complaints to go unanswered to. Ultimately, this student has been given the run around for a year.
Consumer complaint received 2023-01-26
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

I booked one ticket on a sightseeing air trip for my mother. The price was {$82.00}. The company then said as a promotion it was a 2 for 1 and that I would be able to go as well, for a total of {$82.00}. I confirmed this twice.

When I arrived, they asked for my card. They physically swiped and charged it twice.

The owner of that company will not reply to my emails. That is when I started a contest with Capital One.

Capital One sent them out a notice and they replied with " he was only charged once. '' That isn't true, I was charged twice, for one item. It is literally the exact same amount. 

Capital One told me they are not investigating it further. They are not adhering to their own T+C when there is CLEARLY a duplicate charge. 

They need to refund me the second charge or I will be forced to escalate this issue to arbitration due to them not doing their job in investigating this complaint. They are siding with a company that did not give a valid reason vs. mine, which is not only valid but truthful. 

In essence, Capital One is refusing to remedy the situation because it will result in them crediting me. However, the charge was not consented to by me and it is clearly a duplicate.
Consumer complaint received 2020-02-26
Product: Credit card or prepaid card — Store credit card
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: CITIBANK, N.A. (CA)

macys would not change my payment date or work with me at all in any kind of way while I was homeless now that my account is current and paid in full they will not remove the derogatory remarks from my credit report when I called XX/XX/2020 they stated that it isnt possible because they made no error and they can not remove remarks due to personal issues there are 2 negative remarks on my credit report that affect my XXXX  and I from getting a mortgage or any type of home or housing
Consumer complaint received 2023-02-15
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)

In accordance with the fair credit Reporting act 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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a4s.1 open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

CEASE AND DESIST I, XXXX XXXX, consumer, and natural person, am aware of all rights I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). Your company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. Your company illegally reported private information and sold it to other reporting agencies, including XXXX, XXXX, and Transunion. I did not grant your company permissible purpose to report it, and I have not been notified that this information is being provided to the highest bidders. The alleged debt was during a time in my life of struggleXXXX XXXX issues, and XXXX  anguish. I have since sustained further emotional and XXXX  damages because of your company 's unfair and deceptive practices. I am currently rebuilding my life, but your companys willful disregard of my privacy and its reporting has damaged my character and is hindering my ability to provide for my family. As the consumer and natural person, I am invoking specified remedy and make the following demands : - Cease and desist reporting Account ( Acct # ) XXXXXXXX XXXX XXXX XXXX XXXX  {$9300.00} - XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY to your consumer reporting agency. 
- Remove reporting from all consumer reporting agencies. 
- Provide acknowledgment of this official notification that I am opting out of your reporting. 
Do not report ANY information bearing my identification. 
Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA. 
Regards, XXXX XXXX
Consumer complaint received 2023-01-26
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: Experian Information Solutions Inc. (MI)

This is my fourth 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 alleged fraud or extortion. 
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 XXXXXXXX Balance : {$24000.00}, XXXX XXXX XXXX XXXX : {$5500.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  XXXX Balance : {$10000.00}, XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-30
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-05
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. (MD)

I am writing this to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported this to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. thank you