davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

PHEAA invalidated the address once again after they advised me of this on XX/XX/2024 via email. I sent the following message to PHEAA as a result of this, because PHEAA is overextending its allowed actions. At this point, PHEAA should not be invalidating my address for any reason. When PHEAA does this, it begins to open the door for XXXX XXXXXXXX to occur. PHEAA is acting irresponsibly by invalidating my address after all the complaints made against them about this. Again, all mail will continue to be sent back, and PHEAA should not be using that as a reason to claim my address is invalid. PHEAA was also issued a Fair Debt Collection Practices Act notation for the ongoing violation of my rights by the Agency. PHEAA has sent loan information about my loans to people who no longer reside at addresses they have on file. This causes major concern as the addressee who would live at these addresses now could potentially open the mail and steal my information. Even if there is partially masked information, this is irresponsible of the Agency to even consider doing this given that I've communicated with them about NOT doing this on several occasions. 
-- As of XX/XX/2024, your Agency advised of contact information being invalidated. No contact information has changed since the last time your Agency misrepresented itself by claiming contact information was invalid. You may continue to invalidate the address although your Agency has been informed multiple times that the contact information is correct and will not change unless I reach out to you advising otherwise. These repetitive tactics will only prove that your Agency is operating in a wasteful manner. There is no governmental requirement to invalidate addresses of borrower as a result of receiving mail that is returned for the conveyance of Borrower and Cosigner simply not wanting it. Your agency is running out of reasons to continue doing this. --
Consumer complaint received 2022-01-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Block, Inc. (OH)

I took a short term loan from the cashapp XXXX for {$220.00}. Today I tried to revoked my consent for automatic loan repayment and they said it was irreversible and refused. XXXX is wormed by square inc . 

Here is their contact info XXXX ( XXXX ) XXXX. 

Cash App XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2023-06-11
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Aargon Agency, Inc. (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-06-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (VA)

I had a CD that was due to Mature XX/XX/XXXX. I opened a Marcus savings aprox XX/XX/XXXX to put it in when it matures which I did XX/XX/XXXX. since then I been trying to get my money. Now tI cant even access my account online. When I call I spend hours online and get the runaround and I see onlne many others have the same problem and are mailed a check but I dont want that
Consumer complaint received 2023-01-21
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: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

This letter is being sent to you in response to the account furnished in my Report. When asked, your office replied that the dispute regarding the validity of the debt is not raised within the prescribed time period therefore, the same is furnished in your Report. According to 15 USC 1692a. ( 5 ) The term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. Further according to 15 USC g. ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer Therefore, I would like to inform you that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability. I further request you to kindly remove this alleged debt from my Report Thank you for your cooperation Sincerely XXXX XXXX
Consumer complaint received 2022-01-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P. (FL)

Contacted the debit collection and they refuse to send a payoff letter. Give account number what is fake. Over 25 calls and 2 emails requesting the pay off letter and nothing. Refused to get paid and remove the collections from my credit report.
Consumer complaint received 2018-03-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (NV)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV. XXXX TRANSWORLD SYSTEMS INC XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Dear Sir or Madam : I am writing to dispute the following information which has been sent to collections on my credit report. After extensive examination of my medical records, Ive discovered that the below balances were never billed to my insurance company, XXXX XXXX XXXX XXXX. listed below are the accounts in question. 

Please verify for each of these accounts, what I am being billed for, and an itemized copy of the services I am being billed for. Please also confirm that these services were not billed to my insurance company, and please confirm that I am not liable for these balances since my insurance company was not billed in time to get these account balances settled. A copy of this letter has been sent to XXXX, XXXX, and XXXX as well. These accounts were removed from my XXXX and XXXX reports already, but they remain on my XXXX   report. I have verified numerous times that my insurance company was never billed for these alleged services. Please advise. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$100.00} {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$79.00} {$79.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$240.00} {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$88.00} {$88.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$66.00} {$66.00} Sincerely, XXXX XXXX
Consumer complaint received 2021-11-23
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. (FL)

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Experian. Despite sending them letters last XX/XX/XXXX and XX/XX/XXXX for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. KINDLY REMOVE these accounts that are still reporting on my account : XXXX XXXX XXXX XXXX Opened Date : XXXX XXXX, XXXX Balance {$1000.00} ACCEPTANCE NOW XXXX Date : XXXX XXXX, XXXX Balance {$1800.00}
Consumer complaint received 2024-05-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NC)

In XX/XX/XXXX, my Citibank Mastercard was subjected to fraudulent activity amounting to {$9600.00}. Despite promptly reporting the issue to Citibank in XXXX XXXX, taking extensive communication and providing all necessary evidence as per Citibank 's guidelines, the issue remained unresolved for an unreasonable amount of time. In a conversation with a Citibank representative in XXXX XXXX, I was informed that the transaction was not fraudulent, and purportedly, there was a screenshot indicating that I had made the payment online. Despite requesting a copy of this screenshot, it was never provided to me. Moreover, Citibank began charging monthly interest associated with the fraudulent amount to my account as early as XX/XX/XXXX. 

Subsequently, in early XXXX, I engaged the services of a local lawyer and enlisted the assistance of the XXXX XXXX XXXX XXXX XXXX to address the matter ( see attached document titled XXXX XXXX XXXX XXXX ' ). On XX/XX/XXXX, the district court in XXXX XXXX ruled the case as criminal ( see attached document titled 'HanLarryHemingwayLeeSummonsComplaintJudgment [ XXXX ] ' ). Despite providing Citibank with the XXXX 's document and the court 's ruling in early XXXX, it wasn't until XXXX XXXX that Citibank finally credited the fraudulently charged amount of {$9600.00} back to my account ( see attached file named XXXX ' ). However, the interest charges associated with the fraud remained in my account. Despite numerous calls and negotiations with Citibank, the interest charges were not addressed until XXXX XXXX, when Citibank partially credited the incorrect charges back to my account ( see attached file named XXXX ' ). It wasn't until XX/XX/XXXX that Citibank finally corrected their mistakes regarding the interest charges ( see attached file named XXXX ' ). 

The failure of Citibank to promptly identify and address the fraudulent activity on my account, coupled with their initial disbelief of my claims and the subsequent erroneous interest charges, has caused significant inconvenience and financial strain. As a result, I have incurred substantial costs associated with legal fees, investigative services, and court proceedings ( see attached file named 'Cost list XXXX ' ). Per the terms of my credit card agreement ( see attached file named 'TermRule-Document ' ), these costs should rightfully be borne by Citibank.
Consumer complaint received 2021-11-23
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: MUTUAL OF OMAHA MORTGAGE, LLC (NC)

While reviewing my XXXX credit report, I noticed that Mutual of Omaha Mortgage made an inquiry on XX/XX/2021 without my explicit or written consent. They bought my lead from XXXX XXXX, an online site, and ran my credit without my explicit permission or me starting a mortgage application. At no point have they reached out to me and formally asked me to start an application process. So I am not sure, why they should run my credit without my explicit consent.
Consumer complaint received 2020-02-28
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Have a copy of CERTIFICATE OF DEPOSIT ( CD ) opened XX/XX/XXXX XXXX XXXX   marked New/Permanent CD for {$45000.00} joint account. XX/XX/XXXX went to Huntington Bank in XXXX, Ohio to check on CD due to the other person on the joint account passed away, XXXX got back with me in 4 days and informed me there was no records on this CD and to check with the Ohio Bureau Of Unclaimed Funds to which myself had done, thus there is nothing on file with the ( OBOUF ). Then I went to Huntington Bank in XXXX Ohio the first week of XX/XX/XXXX to see if someone else could give better answers. Spoke with XXXX XXXX about this CD, she informed me that at this time frame XX/XX/XXXX Huntington Bancshares Acquisitions took over XXXX XXXX and that she knew the person that opened this CD and she did some computer checking and asked the other XXXX XXXX question on this matter to where she researched this matter, thus XXXX XXXX found nothing on this CD and that she would look into further an that it would take more than ten working days. plus she made copies of the CD, so now it's XX/XX/XXXX sent a e-mail to XXXX XXXX on this matter and there is no reply. Ever since this CD was opened all mail and notices should have come to me and not the other name on the CD, thus there has never been nothing sent to me since the opening of this CD. I have this copy an they have no records. If this account was closed/dormant by Huntington Bank. they should have notified me and send a OUF form to the ( OBOUF )
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (DE)

This is in regards to comenity bank card for lane bryant. The account paid in full XXXX/XXXX/21, a late fee was removed so balance went from XXXX tXXXX  XXXX which was paid, currently reporting late when i was ensured it wouldn't be and i shouldve waited for it in writing but was told since they confirmed it hadn't yet reported that I would be fine.I didn't argue about the fees late fees or ask more questions because I just wanted a quick resolution to the account. 
This account I thought was on auto pay and I didnnt realize there was a {$6.00} payment and late fees on top of late fees because of fees that were not fully assessed and were pending at time I made last payment. I spoke with several people when I was called regarding the delq balance and they waived a late fee, I paid the remaining balance in full and was told that it was being brought up to date before it was reportd so everything was fine. I recently got notice my score dropped significantly due to this being reported as having a balance of {$100.00} as of XXXX/XXXX/21 which is incorrect. I called Comenity to dispute it and was told that once this reports again it should correct itself and report correctly but Im currently trying to get approved for a mortgage for a larger home as Im expecting twins and need a larger home. I asked the manager I spoke to if they could look into the payments and the previous discussions I had regarding this account and was dismiss and told to wait for next reporting or contact the reporting agencies. XXXX XXXX and XXXX are showing delinquent with a balance of {$100.00} which is incorrect, XXXX is still showing no payments made late but an incorrect balance. Im requesting that someone please accurately report that this account is up to date with a XXXX balance and remove the XXXX XXXXay mark as I was assured that it would not appear if I was able to pay the entire balance on XXXX/XXXX/21 over the phone. The same day a fee was removed due to the discrepancy of being charged fees on top of fees AND my credit limit was increased. 
I dont think its fair or accurate to report that I was {$35.00} late when they removed {$35.00} from my account and instructed me that paying the remaining balance which were late fees that had not been posted to my account when I called to inquire would result in my continued stellar reporting of never being delinquent. I feel like I was mislead, given false information regarding reporting and the account is not accurate on any of the XXXX. 
I hope this can be resolved quickly. Thank you.
Consumer complaint received 2021-11-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (NJ)

On XX/XX/21 I rented a scoter from XXXX XXXX XXXX in XXXX XXXX FL for {$110.00}. I returned the scoter the same day. The next day I saw a withdrawal on my debit card for {$2300.00} to XXXX XXXX scoter. I went back and questioned the charge the next day and the owner at XXXX XXXX threatened me so I left for my safety. I called PNC right away and they said not to worry it's obviously a scam and they would take care of it and credit my account for the {$2300.00} right away. PNC never credited my account and mainly just ignored my inquiries over the next month about when it was going to credit the {$2300.00} as promised. The only thing I ever got was a copy of a letter that they say they send me in XXXX that said " based on their investigation the charge was valid. After receiving a copy of that letter I finally spoke to someone at the branch who told me they would send me information about their investigation. Of course I never received anything. When I asked the person at the branch why they said not to worry we will refund the money to your account right away he said he made a mistake. {$2300.00} is allot of money and this is obviously a scam. The biggest disappointment is all along I have felt that PNC is just protecting their merchant and allowing this person to steal my money off my debit card. I don't see how PNC could allow a company to take {$2300.00} out of my account without my permission. PNC sXXXX XXXX  me and my money not the merchant. Please help me recover my money.
Consumer complaint received 2023-01-21
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. (CA)

This creditor is in violation because they were to notify me of this by writing in 5 days prior I was not. As the original creditor only I can validate this debt. Also, This inquiry is unauthorized and fraudulent. Please delete it at once. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-15
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-11-23
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: EQUIFAX, INC. (TX)

My Equifax credit report shows to hard inquiries from XXXX XXXX, dated XX/XX/2020 and XX/XX/2020. I do not know this company and have never dealt with it or authorized it to get credit information about me, but Equifax gave out my credit info and marked my credit report with XXXX hard inquiries, which has hurt my credit score unfairly and illegally. I have tried to dispute this via Equifax ' own website and toll-free phone number, but have gotten no one there to even recognize my complaint, much less to fix my credit report. They tell me I should contact the company -- well, that's an offensive joke, since this was a fraudulent request from a company that I don't know how to reach and that won't do anything even if I did.
Consumer complaint received 2021-11-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC (FL)

I am a small business owner. Due to Covid Ive had to shut down my business. My employees have gotten sick so has my husband and I. I recently applied for hardship with my mortgage company CrossCountry Mortgage in XXXX since then I have gotten the run around. I have sent over 200 pages of everything they have requested and they keep telling me the have not received half of it. I have emailed them XXXX  times with the information and have uploaded it to a portal account I had to create with them. They keep telling me they have not received it. I have been trying to get a hold of the person in charge of my account XXXX XXXX and left numerous messages for her with other agents because all the agents can do is email her and supervisors for a request to call me back and I havent heard from her or any supervisor since XXXX Ive called and requested for them to call me back and I still havent heard from them. They are now requesting some new information that I can not provide because I dont own any rental properties in XXXX XXXX XXXX I only help my father in law mange his house that he put up on XXXX. Im trying to get someone in there who I can explain this to and I get no help. Im falling behind on my mortgage payments. This is my primary residence and all I ask from them is to give me a forbearance and they do not want to help me or even give me a call back. Please help because I do not want to lose my home or mess up my credit.
Consumer complaint received 2021-11-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: McCarthy, Burgess & Wolff, Inc. (CA)

This is What do you half of XXXX they send me this collection agency for a talking head and my suit they are you damage my credit and I was doing it all day and I try so many times to get help from a game called many times XXXX customer service they charged my account for multiple late fee and the damage my credit report ants this is not fair to do that I really want to dispute XXXX and they sent me this letter So they wanted to sue me regarding and I would like to get help please on this matter and help me please.
Consumer complaint received 2021-11-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (MA)

got my mortgage with united shore financial services XXXX united wholesale mortgage XXXX, paid approx {$26000.00}. 

uwm sold my note to specialized loan servicing co. 

XXXX did not roll over the money paid to them. XXXX tells me starting on XX/XX/2015 they got no money from uwm
Consumer complaint received 2021-11-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY (NY)

Recived a letter that claimed I owed credit card debt of a enormous amount that I do not. Tried to call and ask questions to be told I had to give them my information wich I refuse to do over the phone. I belive it is a fake company or scammer. A phone number provided is XXXX XXXX XXXX XXXX says XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX American Express XXXX XXXX XXXX. They are offering a settlement.