davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-29
Product: Student loan — Private student loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Massachusetts Educational Financing Authority (MA)

Due to covid, I was without work and in communication with XXXX/MEFA I was under the impression we could not be marked late during covid. This late are hurting me from moving in the future when it was not a error on my part. I was given forbearance for one month to not have to pay and receive any late remark from our governor here in Massachusetts. 

Please remove lates from dates XX/XX/2020. This should be paid on time.
Consumer complaint received 2020-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have an unverified accounts from XXXX XXXX and XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX or XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX and XXXX XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX  and XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2020-12-29
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. (OH)

I have an unverified account from XXXX. I had previously disputed this account through another collection agency and it was removed from my credit report but has been reinserted through XXXX. I have never done business with v. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX  provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX  Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2020-12-29
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: EQUIFAX, INC. (PA)

I disputed items on my XXXX, Equifax, and XXXX  credit reports that were reporting inaccurately on XX/XX/2020. I didn't hear back from the 3 bureaus, so on XX/XX/2020. I sent them another later asking them to comply, notify me of my their investigation, and reminded them of the items that I was referring to. I have yet to hear back from them.
Consumer complaint received 2020-12-29
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Ive been trying to close my Capital One 360 savings and checking accounts for the last weeks. When I first called they said they were able to close all but one account. They put me on hold and said they would try to close it. They came back and said that they were able to see it was closed now. I checked my capital one app and saw 3/4 accounts closed. I called back and the lady said that the last person didnt close the account. She said it would take until midnight that night to close. I said okay. The next morning I checked the account and it was still active. I called back and the next person said the account would actually take 3 business days to close. I check back and the account is not closed.
Consumer complaint received 2020-12-29
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. (OH)

I have an unverified account from XXXX. I had previously disputed this account through another collection agency and it was removed from my credit report but has been reinserted through XXXX. I have never done business with v. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2020-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I overpaid by balance by {$10000.00} on XX/XX/20. I was told I would get a refund check within 7 days. It is now XX/XX/20 and I have received nothing. I called again and they are refusing to refund the overpayment and closed the account.
Consumer complaint received 2020-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have an unverified account from XXXX. I had previously disputed this account through another collection agency and it was removed from my credit report but has been reinserted through XXXX. I have never done business with v. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that WAYRESGRP provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2020-12-29
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: Experian Information Solutions Inc. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 


INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NC)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2020-12-29
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. (TX)

XXXX XXXX should not be reporting to XXXX  ; Experian and XXXX  a balance due in the amount to of {$4300.00} on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have a daughter with special needs and I was forced to move to another home so I could provide her with her own bedroom. The complex I was staying at did not have any 2 bedroom apartments available. I provided adequate notice to the apartment complex that I was needing to vacate along with a letter from my daughters physician stating she needed her own separate space. ( I have attached a copy of the physicians letter dated XXXX for reference. ) The apartment complex manager assured me that I would be released from my lease and that no outstanding balance was due. I was also assured that they would not report this account to collections. They did not honor their word. I did not know there was an outstanding balance reporting until I obtained a recent copy of my credit report. This false reporting of an account with a balance is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report.
Consumer complaint received 2020-12-29
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. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 


INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2022-01-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2021 I sent a certified letter ( XXXX ) to XXXX XXXX for them to remove this inaccurate account on my credit report. They never responded which is a violation. Furthermore, the continue to report inaccurately on my report. I am part of a class action lawsuit with XXXX where the practiced predatory loan practices in the XXXX of XXXX XXXX XXXX to remove all loans from consumer credit reports.
Consumer complaint received 2024-02-22
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: ENCORE CAPITAL GROUP INC. (OH)

MIDLAND CREDIT MANG. INC / ACCT. XXXX XXXXXXXX AMOUNT {$1700.00} Account Information Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Phone ( XXXX ) XXXX MIDLAND CREDIT MANG. INC / ACCT. XXXX XXXX. AMOUNT {$4900.00} Account Information Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Phone ( XXXX ) XXXX The company has proceeded to collections along court filings. 

I plan to submit a dispute letter to the credit bureaus
Consumer complaint received 2020-12-29
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: Continental Finance Company, LLC (AZ)

I MADE A PAYMENT ON THE XXXX FOR {$300.00} AND CANCELLED IT AND PROCEEDED TO MAKE ANOTHER PAYMENT FOR {$200.00}. THE PAYMENT {$300.00} WAS DEDUCTED FROM MY CHECKING ACCOUNT WHEN THE PAYMENT WAS CANCELLED. I CALLED XXXX XXXX/CONTINENTAL FINANCE ON XX/XX/XXXX TO ENSURE THAT THE PENDING AMOUNT WOULDN'T POST AND THEY ADVISED THAT IT WILL FALL OFF MY ACCOUNT. HOWEVER, IT POSTED LATE THAT EVENING. ON XX/XX/XXXX REACHED OUT TO XXXX  AND THEY ADVISED THAT THEY WILL MAIL A CHECK AND THAT IT WOULD TAKE 5-7 BUSINESS DAYS. XXXX THAT I NEED THE FUNDS DEPOSITED BACK TO MY CHECKING ACCOUNT. I WAS TRANSFERRED OVER A MANAGER WHO COMPLETED A THREE WAY CALL WITH XXXX XXXX TO CONFIRM THE {$300.00} WAS POSTED. AGENT FROM XXXX XXXX CONFIRMED THAT THE PAYMENT POSTED ON THE XXXX FOR {$300.00}. HOWEVER THEY ARE STILL ASKING FOR DOCUMENTATION. SENT OVER PAYMENT INFO ON XX/XX/XXXX VIA FAX TO XXXX AND RECEIVED CONFIRMATION THAT THE FAX WENT THRU
Consumer complaint received 2024-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (IN)

Submitted Income based payment ( SAVE ) application on XX/XX/XXXX and it is still processing. Called on XX/XX/XXXX as I was notified that payments would begin XXXX despite save plan not being processed. I was put on forbearance on XX/XX/XXXX and told my application would be reviewed and approved as I met all criteria. XX/XX/XXXX was notified that forbearance was ending on XX/XX/XXXX and payment of {$220.00} be due. I called and was told my application was expedited with a reply being recieved in XXXX business days. Received an email XX/XX/XXXX entitled Corresponding Process Delay. When I called to voice my frustration on XX/XX/XXXX, I was hung up on. 


XXXX months is an absolute ridiculous amount of time to wait for my SAVE application to be approved.
Consumer complaint received 2020-12-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (NC)

This complaint is a follow up to complain XXXX originally filed on XX/XX/2020. We feel that Selene Finance did not respond to the original nature of the complaint. On the letter dated XX/XX/2020, Selene Finance requested one additional payment to finalize the trial modification. On XX/XX/2020, we submitted this payment. In Selenes response of the XX/XX/2020, they do not address the issue of the letter dated XX/XX/2020, which requests one payment to finalize the loan modification. In addition, the phone number provided to respond is not the Executive Response Office. It is their main customer service number, which can not provide resolution to this issue. We are requesting a direct number to the Executive Response Office. This is an FHA loan. We have never been offered any of the retention options, such as forbearance, which have been offered to mortgage holders during the current COVID crisis, regardless of their delinquency status As resolution, we request that Selene Finance honor their letter of XX/XX/20 and accept our payment of XX/XX/20 as successful completion of the Trial Modification period.
Consumer complaint received 2020-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (FL)

I filed a dispute on Saturday XX/XX/21 when around XXXX XXXX  I deposited several checks, and the ATM ate them without giving me credit and printing a blank receipt. It took EVERYTHING and said it was a system error. I came into the branch immediately the following morning, and the acting branch manager was clueless about the process. When He had to call into customer service and seem like he didnt know what to do. He filed a dispute but didnt really have any type of information that was of any value. I got three different timelines, one from the branch manager, another from the head teller who I was referred to and another from the phone agent, none of which matched any of PNCs disclosures I read. I asked the acting branch manager to contact the ATM company and he said that they dont do that. So there I was 30 feet from the ATM sitting in a branch and not able to get my checks that were in there. 

The branch did not immediately file a work order with the ATM servicer and my dispute dragged on for weeks. When I contacted the ATM company and they said that the work order was supposed to be filed to service the ATM in the event of dispute, and that they had nothing on file. 

I also contacted customer service by phone to file them online and phone dispute because of the performance in the branch. I had very little confidence that anything would be fixed timely. Its horrible going into a holiday with something like this happening to your money. The deposit included my unemployment checks and reimbursement for insurance premiums I was paying as well as other project income I had earned over the last few months while on furlough. I was so distraught. After many calls and emails I received provisional credit after I called to remind the agent that I had been waiting 10 days for my checks. I was expecting my checks to be located from the atm and deposited the retuned to me which I requested. 

I just happened to check my account last night on XX/XX/XXXX, and noticed that {$1200.00} had been charged back to my account from the provisional credit with NO explanation. No communication was provided to me pertaining the results of the investigation. I was expecting the deposit amount to increase NOT decrease because the were more checks deposited than I had the stubs for at the time of the deposit. I wish to dispute the provisional credit, with subsequent withdrawal without explanation. I would like a full explanation as to what happened to my checks and the results of the investigation which is dragged on for so many weeks. I would like all of my money returned and credited immediately. Upon resolution I wish to close all business and personal accounts currently on file with PNC.
Consumer complaint received 2020-12-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (OH)

I am deeply concerned about the internal accounting, controls and customer service provided by these two companies. I would advise anyone who will listen to stay away from these companies. 
XXXX - https XX/XX/XXXX The Money Source ( TMS ) - https : //themoneysource.com/ I refinanced my mortgage of roughly {$280000.00} with XX/XX/XXXX on XX/XX/XXXX. Servicing of the loan was transferred to The Money Source ( TMS ) which is XXXX 's internal loan servicer. 

I made two monthly payments ( with extra principal ) in addition to a few thousand dollars extra in principal payments to TMS. The loan was then transferred to XXXXXX/XX/XXXXloan servicing in XXXX. 

Due to what appears to be failed internal controls and accounting, TMS never transferred all of my loan payments to the new loan servicer. They failed to send over roughly {$8000.00} in payments. 

I have called them 5 times regularly since this time ( XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX to correct the issue and each time they have told me that either the issue will correct itself eventually or that an open task is pending with an internal department to address the issue. 

Once they recognized that the issue would not " correct itself '' they finally opened an internal task which was due to complete by XX/XX/XXXX ( roughly a month out from when I called. ) This date has come and gone without resolution or even a call back. I have been told on 4 of these calls that someone would call me back within 24-48 hours to provide an update. I have never received a call back. 

1. If I had not tracked in detail the loan balance and payments made, it seems that TMS would have never discovered this issue, these funds would still be lost, and I would not have been aware of {$8000.00} simply vanishing. 

2. I seem to not have any recourse to address this issue with TMS. I have given the company ample time to address the issue and nothing has been done. They continue to kick the can down the road. 

3. I have no control over the loan servicer chosen for my mortgage. I am deeply concerned about the internal accounting and controls in-place at XXXX and The Money Source ( TMS ). How many other individuals have lost thousands of dollars in payments without even knowing it?
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$420.00} XXXX XXXXXXXX XXXX Balance : {$600.00} XXXX  XXXX XXXX Balance : {$1100.00}
Consumer complaint received 2020-12-29
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: Phoenix Financial Services LLC (FL)

Phoenix Financial Services has added a collection account to my credit reports withXX/XX/XXXX and XX/XX/XXXXfor a debt that I do not owe. Under the Fair Debt Collection Practices Act, they are required by law to inform me of any debt owed, and it must be accurate prior to reporting that information to the credit bureaus. As I do not have a debt with this company, no validation of this debt has been made and Phoenix Financial Services has violated my rights, I am requesting that the account be removed from XX/XX/XXXXandXX/XX/XXXX immediately. Phoenix Financial Services has also initiated abusive practices by the placement of telephone calls without meaningful disclosure of the callers identity. I was called twice by an unknown number ( that when researched was listed as this company ) by a representative whom would not disclose who they were, but stated " to have her call me darling '' then disconnected the call on XX/XX/XXXX which was very inappropriate. Then on XX/XX/XXXX I received a call from their number to which they stayed silent on the phone which felt like an attempt to intimidate me. I do not know this company nor have I ever done business with them, and their erroneous reporting is hurting my credit worthiness and needs to be removed from XX/XX/XXXX and XX/XX/XXXX immediately.