davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CO)

I am following up on the Public Service Loan Forgiveness program. In a conversation on XX/XX/XXXX with the Federal loan program ( Direct Loans ), I had inquired about the PSLF. I was advised to make the 120 qualified payments with an eligible employer and to enroll in either the standard payment plan or income-contingent repayment plan. When I submitted my form last year after making 120 payments, my application was denied stating that I was enrolled in an incorrect repayment plan. I made many decisions based on the PSLF, as I completed my graduate studies in XX/XX/XXXX, when the program was first being rolled out and regulations were still being set. I believed I was following rules and would periodically check federalstudentaid.ed.gov to ensure I was on the right path. Being told last Fall that I was not eligible because I was not enrolled in the correct repayment plan was devastating. Is there any recourse for me?
Consumer complaint received 2019-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Pre-approval offer sent in mail. Applied, no decision was given and application was put into a pending status. No decision received at any point. More than 30 days have passed. Hard inquiry placed on credit report, no account opened and no XXXX received. Capital one improperly accessed my credit report without providing a decision as well as sending me repeated ( i have received since the application including this week ) additional pre-approval offers even though they have not even given me a decision from when i applied from the first preapproval
Consumer complaint received 2023-03-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NE)

Wells fargo closed my account without any justification in the beginning and after two months they explained that my account was used in some unverified transections via XXXX, which were verified but for couple months without any explanation they eventually closed my account
Consumer complaint received 2023-02-27
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. (CA)

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

XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capstone Credit & Collection, LLC. (TX)

I have a debt collection for {$9700.00} with Capstone Credit Stone & Coll. The apartments name XXXX XXXX XXXX. They located in Florida, XXXX which I never been too ever. I called the company letting them know what was going on, no help. So I filed a dispute twice with XXXX back in XXXX & XXXX. I filed a police a police back in XXXX and sent it to XXXX the debt still on my collection. So another dispute is being open XX/XX/2022 with a copy of the police report.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I made deposits to my account several times and when a check was returned as a result charged my account for the amount of the check and I never received money from it XXXXit has ha0pened more than once and I am XXXX - right now as we speak because of this
Consumer complaint received 2023-03-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Finance Company, Inc. (CO)

Professional Finance Company and XXXX XXXX claim I took an ambulance ride in XXXX. I have tried to request records multiple times and proof that it was me and have never had a response from either company. I have left several voicemails, disputed it multiple times with all three credit reporting agencies, most recently in XX/XX/XXXX and XX/XX/XXXX, specifically demanding that they provide documentation that it was me, such as a signed statement, a copy of my ID, or any physical proof that it was me that took the ambulance, while providing the attached FTC ID theft report. I had a similar bill from XXXX XXXX from the same night, assuming that the ambulance was dropped there, however, I can not get any records from XXXX ambulance or Professional Finance Co, but they keep " verifying debt is accurate '' in my disputes to the credit agencies and will not provide any actual proof or documentation of the incident as demanded. The debt from XXXX XXXX was dismissed and removed because they did not have any copy of ID or valid proof that I received the treatment. 

Professional Finance company has never contacted me, has no authorization to report this to credit bureaus, has failed to respond to multiple inquiries and messages left for them for follow up, has not provided accurate proof in multiple disputes covering multiple years, and needs to be penalized for there absolute disregard to the law and Fair Credit Reporting Act Section 609 ( e ) relating to Identity Theft. I have provided my FTC filing for Identity Theft Report and they have still failed to properly furnish information required by law or respond appropriately by the laws and rights given to me. This must be removed from my credit report immediately.
Consumer complaint received 2019-01-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Kashable LLC (NY)

Loan ID # XXXX Predatory practice during this current Govt Shutdown. Sells and markets to federal employees and it's business model is geared toward federal employees and will not assist nor work with loan holders during this government shutdown. Only offering to waive late payment fee. 

Kashable 's actions and response prove they are determined to ruin the credit of fedral employees with negative credit reporting during the Government Shutdown. 

Lenders across the USA are offering assistance by delaying negative credit reporting. But Kashable, who markets TO federal employees will not help in regards to preserving the credit profiles of its government customers.
Consumer complaint received 2023-03-28
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: LEXISNEXIS (NY)

I am writing this complaint to LEXISNEXIS. I sent them a letter regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2019-01-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (CA)

Note : The selections for my type of complaint were not exactly what has occurred so I chose the closest. 

I am trying to pay off debt but can not get Transworld Systems Inc ( TSI ) to send me a current statement. TSI is the debt collector for XXXX XXXX XXXX XXXX XXXX XXXX. I have not received any statements from TSI since XX/XX/XXXX. I received a letter from the US Department of the Treasury ( dtd XX/XX/XXXX ) indicating my tax refund ( {$420.00} ) was applied to my debt. 

I contacted TSI ( XXXX ) XXXX by phone 4 times in XX/XX/XXXX : 1 ) XX/XX/XXXX/XX/XX/XXXX - I did not document date and person I spoke. I requested a statement be sent to me. I believed they would send me a statement so I could payoff the debt. A statement was not sent to me. 

2 ) XX/XX/XXXX, XXXX XXXX PST. Spoke with XXXX. I told XXXX that I had previously called requesting a statement be sent to me. She was able to see in their system that I had previously called. She indicated that statements had been sent to me and she didn't know why I had not received them. 
She said another statement would be sent to me. A statement was not sent to me. 

3 ) XX/XX/XXXX XXXX XXXX PST. Spoke with XXXX. I explained to XXXX that I had called two times before requesting a statement be sent to me. XXXX indicated that a form had to be submitted by customer service rep and that the prior reps had not submitted the form. XXXX said he would submit the form so a statement could be sent to me. 
A statement was not sent to me. 

4 ) XX/XX/XXXX. Spoke to XXXX. I explained to XXXX that I have called 3 times before requesting a statement and that I have not received one. I  requested to speak with a supervisor but XXXX said a supervisor was not available. XXXX indicated that statements have been sent to me but asked if I had opened all the mail I receive because their statement look like junk mail. I asked if there was a way they could email me a statement or if there is a way that I can pay online and was told no. XXXX promised I would have a statement within 2 weeks. A statement was not sent to me. 

I still have not received a statement. I don't understand why TSI will not  send me a statement. It seems as if they want interest and penalties to accumulate and then just take additional money from my tax refund. 

My intent is to resolve this debt as soon as they send me a statement.
Consumer complaint received 2023-03-28
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: ID Analytics, Inc. (NY)

I am writing this complaint to XXXX. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX  ) {$170.00} 08 XXXX XXXX  XX/XX/XXXX ( XXXX XXXX  ) {$720.00} i have reached out to many companies resovling this issue due to information that is reporting to my credit and it is inaccurate i have addresses, accounts phone numbers that does not belong to me on there i have asked for them to be deleted and thhese companies has yet to do so i would like for these to be deleted from my report asap no later then 10 days from this letter XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX mo XXXX does not belong to me
Consumer complaint received 2023-02-26
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX Accounts below have 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 States a consumer reporting agency can not furnish an account without my written instructions. 
Account # XXXX... 
Account # XXXX... 
Account # XXXX Account # XXXX Account # XXXX...
Consumer complaint received 2019-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I went to try to lease a car today XX/XX/19 and when they did the credit check I was told that I was not approved because there were some accounts reflecting badly on my credit report. None of those accounts belong to me. I suspect that they were opened by my aunt since she has the same name as me. I did not allow anyone to open these accounts in my name with my personal information nor did I benefit anything from these accounts. I did not make any payments or purchases with any of these accounts and I have never had any written/verbal contract with any of these companies. I have already gone to file a police report regarding these unauthorized accounts.
Consumer complaint received 2024-03-14
Product: Credit reporting 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)

T

he credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. UNUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2023-02-26
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, XXXX, XXXX, XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-14
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. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2019-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have never done business with the companies. This 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 have already filed a FTC and Police report over these same companies.XXXX XXXX, XXXX XXXX., XXXX XXXX XXXX , XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2023-05-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NH)

Opened a Venmo account and never ended up using it. Didnt process any transactions and just left the account open. I came back to use my Venmo to process a transaction only to find that my account was suspended for no reason at all. Venmo support has offered no support or help for this problem and, in some instances, have ignored my complaints that I filed through their support page.
Consumer complaint received 2023-03-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

US Bank refuses to let me get my money out of my account my account is due to close I'm just getting the runaround from the fraud department being told that I couldn't get my money that I would have to wait for a cashier 's check which I shouldn't have to I should be able to walk in and withdraw my money out of my account and let them close my account but instead they are giving me the runaround holding my money without legitimate reason I should be able to pick my funds up I don't understand why I'm getting the runaround from this Bank firstly I don't like dealing with checks I would like to get my money just as I put it in I would like to get it out this is why I am filing this complaint against them
Consumer complaint received 2023-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

CHASE bank XX/XX/XXXX Checking account available balance- {$1400.00} XX/XX/XXXX Check deposit of {$9500.00} XX/XX/XXXX Check {$9500.00} posted available balance + {$8000.00}. 
deposit hold and restricted online account access. 

XX/XX/XXXX went to chase bank Deposited XXXX XXXX  XXXX substitute check amount of {$15000.00} at the teller without issue. 

I asked for helped to get me back my online access. Branch said they cant do anything since the back office placed restriction Called chase bank XXXX XXXX XXXX was told account was closed. Refused tell me reason why but was told after 7 days. remaining funds will be sent to my address. 

XX/XX/XXXX substitue check posted and made available balance. of {$15000.00} I dont have any direct access to account except info from text banking. 

XXXX XXXX substitute check deposited bounce. 

XX/XX/XXXX internal XXXX debit of {$8000.00} account balance XXXX. 

its already XX/XX/XXXX. I have not received anything from chase. I called several times and was told that account is already closed. 

Where did the balance on my account go?
Consumer complaint received 2019-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Eagle Home Mortgage, LLC (FL)

We have recently refinanced our home through eagle home mortgage. We used them when we first bought our home in XX/XX/2018 and our mortgage was transferred to a company called XXXX XXXX XXXX. Eagle home mortgage let us know that since it was tax season that our taxes would not get taken out of our escrow account but we would have to pay this up front which would require us to pay out of pocket over {$8000.00} but in doing so we would receive our total escrow balance which was around {$5500.00}. We made this very clear with eagle home mortgage since this was a lot of money we would have to pay out of pocket that we would need back. They reassured us that it would be fine and we would receive the {$5500.00}. We finally got the check from XXXX XXXX  XXXX today for a total of {$1200.00}. I have reached out to Eagle home mortgage today by email as well as XXXX XXXX XXXX and awaiting their reply.
Consumer complaint received 2024-03-13
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 am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2019-12-03
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. (CA)

I went to try to lease a car today XX/XX/19 and when they did the credit check I was told that I was not approved because there were some accounts reflecting badly on my credit report. None of those accounts belong to me. I suspect that they were opened by my aunt since she has the same name as me. I did not allow anyone to open these accounts in my name with my personal information nor did I benefit anything from these accounts. I did not make any payments or purchases with any of these accounts and I have never had any written/verbal contract with any of these companies. I have already gone to file a police report regarding these unauthorized accounts.