davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (WV)

i called on XXXX  XX/XX/2023 was on hold for XXXX hours and my son sent an email to them concerning my bill. We were suppose to hear back within XXXX business days and today makes XXXX business days since my son sent the email. I called the place again today XX/XX/2023 and in the conversation with customer service, the lady told me that they had sent an email out on XX/XX/2023 for payment due by XX/XX/2023. However, i have never received an email at any point during XXXX or after the date that the customer service lady gave. The bill i received on XXXX  XX/XX/2023, was the first time i received any information about payment for my loan from this servicer. On this bill, there was a notice of a past due on payment for the XX/XX/2023 bill of the amount of {$51.00}. This was combined with the payment for the next month due date which is XX/XX/2023 for a grand total of XXXX due by XX/XX/2023. 

Comment from the customer lady was that they only send out notification of bill by email and not mail. The only reason you received a paper bill in the mail is when it is late.
Consumer complaint received 2023-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (GA)

XXXX, XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Discover Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX To Whom It May Concern : As per 15 USC 1692c ( c ) I am notifying you to cease all further communication regarding any alleged debt through any medium. After being harassed for months, violating 15 USC 1692a ( 3 ), about a debt I do not own and using threats in an attempt to collect the alleged debt, I invoke my right to this specified remedy as per 15 USC 1692c ( 2 ) : - Pay the invoice attached. 
- Deletion from all consumer reports Any correspondence excluding a notice of receipt of this letter and paying the invoice from you will be documented and sent to the appropriate agencies regarding your violations. Please be advised that if communications continue, I will file complaints with the Federal Trade Commission and the local attorney generals office. 


Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-26
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (FL)

The company is claiming that I owe them a debt, but this debt is in reference to identity theft ; the company first placed the debt on my credit report in XX/XX/2023 and claimed that I owed them {$5000.00}, and I just recently saw my credit report and the amount of debt has changed from {$5000.00} to {$4900.00}, and now it says I owe them {$50000.00} all of these amounts are false claims ; as I have been a victim of identity theft in the past. I also sent them a NOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM letter by certified mail most recently as of XX/XX/2023 as well ; and I am waiting for the reply back from the company.
Consumer complaint received 2023-10-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: The CBE Group, Inc. (NY)

CBE Group Payment System is extorting money from me based on false statements from their XXXX client. In a telephone conversation with a CBE collector, which took place in XXXX XXXX, I explained that I did not have any debts, I was asked to make a dispute with their agency. On XX/XX/2023 I sent them my dispute online. On XX/XX/2023 I sent them my dispute by registered mail. However, no one even read my explanations with the attached evidence. I have attached a file with the name To XXXX XXXX XXXX  And other files proving my correspondence, including email and chat transcript with XXXX
Consumer complaint received 2023-10-26
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. (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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 1

5 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 2023-10-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (MD)

I am writing to file a complaint against Truist Bank for the mishandling of my business account, personal account, and savings account. In XXXX, I received two wire transfers totaling {$19000.00} to my business account at Truist Bank. However, in XXXX, all my accounts were suddenly frozen due to a corporate investigation that I was initially told would only take 90 days to complete. It has now been seven months, and all my accounts remain frozen, including funds that were not related to the corporate investigation. 

I have made numerous attempts to resolve this issue by visiting the bank branch over 20 times, calling customer service more than 20 times, and sending multiple emails. Each time, I have been given the same response : that the freeze is due to a corporate investigation. However, I have not been provided with any further information or updates on the status of the investigation. Additionally, I was never notified by any form of correspondence from Truist Bank about the freezing of my accounts and the reasons behind it. 

As a result of the frozen accounts, I have had to dip into my savings to cover living expenses, and I feel misled by the bank representatives. This situation has caused significant financial hardship and stress for me and my business. 

I kindly request the Consumer Financial Protection Bureau to intervene and help resolve this issue. I would like the bank to provide a clear explanation for the continued freeze on my accounts, an update on the status of the corporate investigation, and a timeline for when my accounts will be unfrozen. Additionally, I would like to be compensated for the financial losses and inconvenience caused by this situation. 

Thank you for your attention to this matter. I look forward to a swift resolution.
Consumer complaint received 2022-05-20
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. (FL)

Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681iwithin the time declared by law and continued reporting of unconfirmedinformation which now, given all my attempts to address it directly with theBureau, as willful negligence and non-compliance with federal statutes. Pleaseremove the following accounts completely from my Credit Reports : Collection : XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} 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 DEPT OF EDXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-20
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. (NY)

XXXX XXXX  is purposefully reporting inaccurate information on our credit reports since are officially disputing both the amount that they state that we owe on New York Civil Court Index No XXXX, in complete, willful, and total violation of the federal Fair Credit Reporting Act ( " FCRA '' ). 

XXXX XXXX 's willful FCRA violation has been committed knowingly and recklessly. 

In this case we may receive actual or statutory damages ranging from {$100.00} to {$1000.00} per violation, in addition to punitive damages determined by the courts. 

Please urgently investigate and advise.
Consumer complaint received 2023-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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 2017-11-21
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. (NJ)

After I became aware in XX/XX/XXXX that I was a Victim of Identity Theft and obtained a Police Report, I mailed them to all 3 major credit reporting agencies : Experian, XXXX & XXXX. However, Experian decided to cause me an unlimited amount of aggravation!! 

First, I 've initiated hundreds of disputes online, via mail, and over the phone. They never attempted to honor my request which by law based on the FCRA the CRA 's must legally not only remove the fraudulent accounts but also block them from reporting again should the creditor try to put them back on. 

It came to a point where Experian does now allow me to initiate disputes and they told me on the phone it 's frivolous, and they will never honor my request. 

Thanks XXXX it 's only Experian that does n't abide by the law and I give credit to XXXX and XXXX by removing them within 24 hours. 

I 'll be attaching a copy of my recent Experian report along with my police identity theft report which will show exactly the accounts that are fraudulent and Experian refuses to remove them. 

I have to add one more thing, there 's also 2 fraudulent account which is n't on my police report because at the time I got the police report was XX/XX/XXXX and the account which is not on the police report is PENFED CREDIT CARD, the reason is that it began reporting on XX/XX/XXXX. 

Lastly, these fraudulent accounts ( or at least most of them ) were opened using an address which is not associated with me as you can see on the report " XXXX XXXX XXXX XXXX '' and I would like to quote what Experian told me ; and these were their words " WE ARE UNABLE TO REMOVE THIS ADDRESS FROM YOUR CREDIT REPORT SINCE THERE ARE ACCOUNTS ( MEANING THE FRAUDULENT ACCOUNTS ) THAT WERE OPENED USING THAT ADDRESS, AND THEREFORE WE DO N'T BELEIVE THAT THIS ADDRESS IS N'T ASSOCIATED WITH YOU ''!! 

Common ; they admitted these accounts were opened using this address which is not in any way associated with me, instead of using it as the number one proof that these accounts are fraud!
Consumer complaint received 2023-03-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (IL)

Companies involved : Great Lakes Borrower Services and Nelnet. 
XX/XX/XXXX - I received a paid in full email from Great Lakes. It was a XXXX XXXX. XXXX ref number : XXXX. 

XX/XX/XXXX - With the XXXX loan forgiveness program, I called Great Lakes to look into getting a refund on the below amounts. 
Refunded Refund ID Reason for Refund {$5300.00} XXXX REFUND BEING MADE DUE TO BORROWER 'S REQUEST TO HAVE FUNDS RETURNED. 
{$2000.00} XXXX REFUND BEING MADE DUE TO BORROWER 'S REQUEST TO HAVE FUNDS RETURNED. 

The Great Lakes customer service representative stated that they can refund the account that made the payment, and I would be receiving a " balance '' for that amount, but that was just normal protocol, and I would not have to pay that amount back. 

XX/XX/XXXX - I received an email which stated that my debt was being sold to Nelnet and the email requested that I setup an account so I could service my debt through Nelnet. I ignored the email since Great Lakes told me that the debt amount was essentially a placeholder, and I did not have to pay it back. 

XX/XX/XXXX - I received a phone call from Nelnet saying I must sign up for a new account in order to service the debt. I asked why I need an account for a placeholder amount that I don't need to pay back. Nelnet replied and said I have an outstanding balance of {$7300.00} that I would need to pay back pending the outcome of the legislation/appeal related to XXXX loan forgiveness plan and the supreme court ruling . 

I called Great Lakes to clarify, and they confirmed the above from Nelnet. I explained that on XX/XX/XXXX, the customer service representative said the amount does not need to be paid back, to which they replied " we're sorry that they incorrectly explained that to you. '' I would like to have that debt alleviated, if I had known this was the case, I would have just left the debt paid in full and not pursue any type of forgiveness.
Consumer complaint received 2019-07-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC. (NY)

File # XXXX Good Afternoon, I have been trying to reach someone who can help further investigate why i am being charged loans from 2004. First, the bank i banked with at the time does not exist anymore so i am not able to retract proof of the Paid amounts, which i have tried to explain to NAVIENT. I have asked multiple times, i have sent payments so that NAVIENT could stop sending me to collections, I have asked them to investigate. Some of the accounts do not belong to me at all. Just a big mess. Please further investigate that the information that i am being charged for is actually accurate information. 

Thanks. 

XXXX XXXX
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX XXXX Date : XX/XX/year>
Consumer complaint received 2024-03-12
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Acct XXXX XXXX XXXX XXXX XXXX You are in direct violation of the Fair Credit Reporting Act, regarding my XXXXXXXX XXXX  credit card account # XXXX XXXX XXXX XXXX which is a direct violation of my consumer rights. 

15 USC 1681 Section 602 A clearly states I have a right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on an a credit card account under an open-end consumer credit plan as late for any purpose.

I specifically requested an investigation into this error, but a letter was received, by the credit grantor, denying an investigation ( enclosed ).

Remove this late payment and update this account immediately, as you are in direct violation of several laws under the Fair Credit Reporting Act. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2022-05-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WSFS FINANCIAL CORPORATION (PA)

I closed on my house in XX/XX/2020. At that point I paid {$480.00} to escrow for taxes and insurance. I then paid {$160.00} for each month for the escrow ( no payment in XXXX, because that was paid at closing, so XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/2020 ). 

The mortgage company, currently WSFS, who bought out XXXX XXXX XXXX, somehow handled by XXXX, is saying my escrow was not paid prior to XX/XX/2020 and they credited the wrong amount for 2020. 

They are also stating they have no record of my account prior to XX/XX/2020. They are required to keep records for 7 years, but no one I have spoken to has been able to tell me how to follow up on finding these records. 

Because the mistake was made so far back I have paid $ XXXX extra from XXXX XXXX to catch the escrow up. Despite paying this {$200.00} they are upping my payment again, saying that my escrow is still behind. All of this would be resolved if they had properly credited my account and I believe I actually have an overpayment of approximately {$1200.00} and thus don't owe a higher payment. 

I have called repeatedly and they have refused to research the issue. I have spoken to 4 or 5 regular representatives, as well as one member of the escalation team. I have requested to be called back by a supervisor, but she called while I was in a work meeting and there is no way to call her back. When I called and asked to speak to her they refused to put the message in. 

I also spoke with XXXX XXXX who was the bank representative who helped me with my closing. I have emails from him stating he agrees that the escrow is messed up, and he has spoken with many of his colleagues but reports he is also being told that no one knows who should handle this issue, WSFS, XXXX XXXX XXXX, or XXXX. 

I uploaded copies of the cancelled checks to the WSFS portal and called today to confirm they are researching and they stated they would not be doing so until the ticket comes up in the list of tickets, on XX/XX/XXXX, and that each month will be researched separately.
Consumer complaint received 2023-01-13
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. (NC)

Credit report are in violation of laws 15 U.S. Code 1666b - Timing of payments 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 1666 - Correction of billing errors XXXXXXXX XXXX XXXX XXXX  Dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX
Consumer complaint received 2022-05-20
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)

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2019-07-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

I reported the unauthorized charges to Macy 's customer service and Macy 's fraud department in XXXX, Ohio. There has been more than one report. I contacted Macy 's on XX/XX/XXXX at the XXXX Ohio Corporate Headquarters. They are aware of the problem, I am owed a refund for money received by Macy 's in connection with the unauthorized charges, approximately XXXX  not including the penalties and interest which have accrued since my most recent demand for payment which was made by certified mail inXX/XX/XXXX. I was stalked to shop. A police report has been filed. 

A report has been made to the FTC. 

The penalties and interest increase the award by 100 times which equals.XXXX. 

On XX/XX/XXXX Macy 's claims to have escalated the issue. My banker and the police detective have been given the status.