davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-03
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. (MI)

XXXX XXXX {$11000.00} account XXXX XXXX  XXXX {$300.00} accont XXXX XXXX XXXX account XXXX 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-02-11
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. (MA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Due to Covid-19 I have lost my income. 

I called Capital One to see if they would help with lowering interest and they said no, they would only allow me to not make the payment this month and I would have to make it for the month of XXXX. 

This is only beneficial to the Credit Card Company, as my 24 % interest will accumulate and come XXXX I will another almost 200 dollars more then before on my account therefore the Credit Card company will charge me even more for the XXXX Payment. 

Everyone is struggling, I need money for food. 
Why aren't these wealthy credit card companies able to put the interest at 0 % or very low to help people in my situation. 

I've been a loyal customer for so many years, never missed a payment.. and in true time of need this company does nothing to help. In fact, it's beneficial for them if I don't make q payment, more money for them the next month with more interest. 

Despicable, I am so disappointed. And I don't know what to do. 
I need to eat, that's number 1.
Consumer complaint received 2022-04-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TN)

I have attempted multiple times to receive information on income driven repayment plans and the Public Service Loan Forgiveness program and it takes months for responses. I am passed around from person to person and continue to receive conflicting information. Information posted on the FedLoan, XXXX, and Department of Education websites also provides conflicting information. I was also falsely kept in deferment after attempting to apply for an income driven repayment plan which potentially decreased my time in qualifying repayment. I was told I couldnt even apply until 4 years after my graduation. I have worked for over 10 years in public service for a qualifying employer as a school counselor and made my payments which should result in forgiveness. However each time I apply or ask what I need to do, I am given new unpublished reasons for why I dont qualify. The PSLF program is a sham that keeps individuals who have worked years in public service and have based major life decisions on from receiving the forgiveness they have earned.
Consumer complaint received 2022-06-03
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. (NJ)

In accordance with the Fair Credit Reporting and XXXX account 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 consent.
Consumer complaint received 2020-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Bank of America is creating an improper and unlawful restrictions on PPP loans originally refused to accept PPP loan applications unless the small business is an active borrower with BOA. After the filing of the lawsuit, BOA has amended its policy and now illegally bars PPP loans to depository-only clients who have a credit card or loan with another bank. BOA is thus unlawfully prioritizing existing customers who are active borrowers of BOA as of XX/XX/2020 or have no credit cards or debt with any other financial institution. 
I tried to apply for the Paycheck Protection Plan and according to Bank of America, my small business is not elegible because it has an XXXX XXXX business credit card I feel discriminated because this is a restriction that does not in the CARES ACT
Consumer complaint received 2022-06-03
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. (NJ)

In accordance with the Fair Credit Reporting and XXXX  account 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 consent.
Consumer complaint received 2020-04-06
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. (NC)

XXXX XXXX is reporting 51 late payments in the greater than 90 days category. On my Experian report, its reported as 51 charge offs, the time it went delinquent to the time I paid it off. I paid off other accounts and no one is reporting it like this. I just applied for a loan at a bank, and this is significantly dragging my score down. The total amount I was late was approximately {$150.00}. The loan officer said they had never seen it reported like that, and that it was excessively punitive. He said that I should be able to get it removed. 

I filed an investigation with XXXX XXXX requested that it be investigated and removed. They replied saying that it was correct and they were not removing it. It is a significant hindrance to my getting loans, and seems extraordinarily punitive.
Consumer complaint received 2020-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX is reporting 51 late payments in the greater than 90 days category. On my XXXX  report, its reported as 51 charge offs, the time it went delinquent to the time I paid it off. I paid off other accounts and no one is reporting it like this. I just applied for a loan at a bank, and this is significantly dragging my score down. The total amount I was late was approximately {$150.00}. The loan officer said they had never seen it reported like that, and that it was excessively punitive. He said that I should be able to get it removed. 

I filed an investigation with XXXX XXXX requested that it be investigated and removed. They replied saying that it was correct and they were not removing it. It is a significant hindrance to my getting loans, and seems extraordinarily punitive.
Consumer complaint received 2023-05-07
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. (GA)

on XX/XX/23 I sent a letter regarding inaccurate information. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year, I have sent disputes and have made a complaint with the federal trade commission and better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed asap I will not wait another 50 days to receive any response because clearly, they are ignoring me.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

It seems like every time I talk to a collection agency that has the account theyll close it and then somebody else to get it its like they pass it on to hundreds of these companies and even though you settled it they still come after you saying that you owe this account. I asked the agencies numerous times in the company to validate the debt show when the debt was validated thats all I ask. And if they can not then I ask for all accounts to be removed from all credit agencies and all negative remarks be removed ASAP.
Consumer complaint received 2020-04-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: WELLS FARGO & COMPANY (WI)

Wells Fargo agreed on XX/XX/2020, at XXXX XXXX   CDT, on XXXX, to give me a XXXX interest-free payment deferral on a personal line of credit account, because I lost my job as a direct result of travel restrictions related to the XXXX pandemic. Despite this agreement, Wells Fargo continued to process the automatic payment from my checking account on XX/XX/XXXX, causing my account to overdraw. I am now left with no access to any cash. I called Wells Fargos customer service line, and am now on hold, have been on hold for 1 hour and 5 minutes, with XXXX callers ahead of you in queue, with an average hold time of 1 hour 38 minutes.

Regardless of whether I am able to resolve this problem on the current phone call with Wells Fargo, I still request the CFPB investigate Wells Fargo 's practices around COVID-19 deferrals, as either their negligence or their deceptive practice has put me ( and likely others, given the volume of callers on the PLOC customer service line ) into a desperate financial position at a very vulnerable moment.
Consumer complaint received 2022-04-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

XX/XX/2022, {$680.00}, Account number XXXX - I received a letter from Portfolio Recovery today XX/XX/2022. I have notified Portfolio Recovery Associates , LLC several times that the account they purchased from XXXX XXXX Bank ( XXXX XXXX XXXX. is not my account. I have attached the letter that they sent me today along with the letter I received from XXXX XXXX Bank. The letter from XXXX XXXX Bank clearly states that " XXXX XXXX Bank conducted an investigation, and the account was permanently closed. You're not responsible for any balance that may be due on an account that we decided was opened through fraud. '' Consumer law - 15 U.S code 1681s-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
PORTFOLIO RECOVERY ASSOCIATES , LLC IS BREAKING THE LAW!
Consumer complaint received 2022-04-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (NC)

The company called National Recovery Agency is charging me XXXX for a gym membership I cancelled a long time ago. I will not be paying this money because I cancelled the membership because I was going to deploy I sent my orders many times to the gym stated in their letter. I can not pay for the money they are requesting. 

I am scare that this people are going to harass me just like the gym did just because I am a XXXX women of XXXX. Please help me. I am truly scare that this people are going to talk to my leadership or damage my credit.
Consumer complaint received 2022-12-29
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and updated for erroneous reporting in my file and are listed on my credit report : 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 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 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 2020-04-06
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: ENCORE CAPITAL GROUP INC. (GA)

I noticed that on my XXXX  credit report I only have XXXX open account, however my credit score doesn't reflect what is accurate, also I have hard inquiries on my XXXX and XXXX  credit reports that I do not recognize. I would appreciate if this service correct their inaccurate  information, also I do not understand why Midland Funding states I owe them a debt that they can't validate under oath, the original creditor closed the account ad it's paid off. Midland Funding never loaned me any money and I do not have a contract with them. Per HJR 192 and the corona virus pandemic I ask that this incorrect information is cleared up.
Consumer complaint received 2020-04-06
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. (IL)

Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX/XXXX XXXX XXXX XXXX not mine
Consumer complaint received 2020-04-06
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. (GA)

I noticed that on my XXXX  credit report I only have XXXX open account, however my credit score doesn't reflect what is accurate, also I have hard inquiries on my XXXX and Transunion credit reports that I do not recognize. I would appreciate if this service correct their inaccurate information, also I do not understand why XXXX XXXX states I owe them a debt that they can't validate under oath, the original creditor closed the account ad it's paid off. XXXX XXXX never loaned me any money and I do not have a contract with them. Per HJR 192 and the corona virus pandemic I ask that this incorrect information is cleared up.
Consumer complaint received 2022-06-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

My mortgage service transferred on XX/XX/XXXX from XXXX XXXX XXXX  XXXX XXXX # XXXX ) to Mr. Cooper Mortgage XXXX XXXX # XXXX ). 

Upon review of the transfer, I became aware that XXXX XXXXXXXX XXXX had placed lender based insurance on my property and charging my escrow account {$1900.00} I provided proof of insurance to both mortgage servicing companies on XX/XX/XXXX. 

On XX/XX/XXXX, I called XXXX XXXX XXXX  and was told that Check # XXXX was written on XX/XX/XXXX and mailed on XX/XX/XXXX, and that I should see it deposited in my escrow within 30 days after approval. 

On XX/XX/XXXX, at the 30 day mark, the funds were not deposited. Having both companies on the phone simultaneously, I was told it should actually take 4-6 weeks after approval, and to check then. 

On XX/XX/XXXX, after the 6 week mark, the funds were not deposited. Having both companies on the phone again, I was told they will look into it and could take up to15 more days. They also stated that they would 'expedite ' the issue and should have results sooner. 

I have asked on XXXX, XX/XX/XXXX, and XX/XX/XXXX for a letter/email, but still have not received any documentation corroborating their statements. 

The mortgage transfer has now passed the 90 day window that companies are legally required to complete transfer and the escrow money is still missing. 

I have spent almost XXXX hours over the last 3 months dealing with this problem with no resolve.
Consumer complaint received 2020-04-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MD)

On or about XX/XX/20 - XX/XX/20 my PayPal account was compromised. Some of the unauthorized charges were refunded but I still have an outstanding charge of {$8.00} that has been charged to my PayPal account that needs to be refunded.
Consumer complaint received 2024-01-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Transfer due to bankruptcy landed me with SPS XX/XX/XXXX. 
Final escrow analysis completed by XXXX  on XX/XX/XXXX leaving a {$1400.00} ESCROW CREDIT and final statement with XXXX balance. ( see enclosed ) My first Statement from SPS dated XXXX documents payment of {$890.00} with a {$120.00} chrg/fee and {$34.00} unapplied FOR WHAT? Due : XX/XX/XXXX {$980.00} I contact SPS questioning fees as this is my first statement and requested an escrow. First Escrow with SPS XX/XX/XXXX increased the pymt over {$250.00} with a new pymt of {$1100.00}. Table 3 does not indicate the {$1400.00} escrow credit was carried over from XXXX  and applied. The county tax was also incorrect. And {$570.00} WHAT IS THIS FOR? Indicating a shortage of {$2500.00}. INCORRECT! NUMBERS DO NOT ADD UP! 
New policy effective XXXX premium {$2200.00} ( declaration page include ) SPS says they paid {$3600.00} for the policy. Escrow stmt XX/XX/XXXX documents a different pymt for {$1100.00}. MY check # XXXX to SPS for escrow only noted on check ( enclosed ) NEVER APPLIED. NUMBERS DO NOT ADD UP! 
Escrow stmt XX/XX/XXXX documents pymt for {$1000.00}. Insurance information STILL NOT UPDATED. Escrow stmt XX/XX/XXXX documents pymt {$960.00} UPDATED INSURANCE. NUMBERS DO NOT ADD UP! 
It took from XXXX for them to correctly apply the insurance information and come up with a payment as evidenced by the multiple escrow analysis I requested and received. PAYMENTS VARIED AND FEES OCCURRED BASED ON WRONG INFORMATION. 
I set up direct pay from my bank to SPS for {$960.00} monthly and this pymt continues. The SPS stmt XX/XX/XXXX monthly pymt due {$1000.00}, unapplied pymt {$530.00}. XX/XX/XXXX SPS stmt pymt due {$960.00}, {$110.00} fee, unapplied {$340.00}. Every stmt after had a fee and unapplied pymt amount. NUMBERS DO NOT ADD UP! 
ALL OF THE FEES ARE DUE TO THE NEGLIGANCE of SPS NOT CORRECTING THE INSURANCE INFORMATION AS EVIDENCED ABOVE. THERE WAS NO ESCROW SHORTAGE. I SHOULD NOT BE REQUIRED TO PAY ANY FEEDS AND I AM DUE ANY UNAPPLIED CREDIT! 
XXXX SPS XXXX stmts have a new pymt amount {$890.00} unapplied pymt and fees continue. I continue to pay the {$960.00} XXXX bill dated XX/XX/XXXX premium due XX/XX/XXXX {$2900.00} was pd in XXXX. Escrow stmt XX/XX/XXXX updates insurance. XXXX policy effective XXXX is cancelled XX/XX/XXXX. New policy provided by XXXX new premium {$2000.00}. With a savings of over {$900.00} there should be an adjustment/decrease to my monthly pymt. 
On XX/XX/XXXX I made pymt of {$960.00}, XX/XX/XXXX pymt f {$2600.00} this account should be caught up! 
With all of the evidence provided there was no shortage ever, all fees need to be removed and the escrow correctly recalculated since loan inception!