davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

Dear Consumer Finance Protection Bureau, I have extensive student loans and am working towards Public Service Loan Forgiveness. I have been having trouble getting PHEAA/FedLoan Servicing to get the count of my PSLF-qualifying payments correct. Every time I submit an employer certification form ( ECF ), they get some or another count wrong. They take months or more to review and then do not communicate well. 

Specifically, the last detailed payment count I received on XX/XX/XXXX for the ECF filed XX/XX/XXXX ( 8  months late! ). On that detailed count, they said I had 93 payments that count. This, specifically, was incorrect ; they did not count the payment bill XX/XX/XXXX made XX/XX/XXXX ( see file XXXX Fedloan Loan Payment for what they thought at that time ; and see XXXX FedLoan count to see that after much discussion at that time they did realize that the XX/XX/XXXX payment should count, and see the letter from XXXX that reflects this ). 

Also, because of an error on FedLoans part, they did not generate a bill on XX/XX/XXXX. I called them and discussed, and they wrote me a letter that that payment should count. Please see letter from XX/XX/XXXX. 

By my count ( see attached PSLF count spreadsheet ) my 120th payment should be on XX/XX/XXXX, but the latest count I have from FedLoans from XX/XX/XXXX ( for ECF date XX/XX/XXXX ) says I have 104 payments and am on track for XX/XX/XXXX ( it should be 106 payments on that date, and thus it is 2-3 months too late ). It is unclear to me what payments they do not agree with and I asked about this months ago, but they have yet to send me a detailed count. 

I have not yet received detailed counts from ECFs files XX/XX/XXXX. I recently filed another ECF XX/XX/XXXX to make sure they are paying attention and the counts as described above are correct. 

I would appreciate your help with correcting these issues, as I am approaching the 120 payments and every month I pay extra is about an extra $ 1K! 

Thanks XXXX ( XXXX ) XXXX
Consumer complaint received 2023-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNCOAST CREDIT UNION (FL)

I am writing to formally express my deep dissatisfaction with the handling of my dispute involving two payments of {$50.00} each, made to XXXX XXXX on XX/XX/2023, for a service that was never rendered. 

Upon realizing that I would not receive the services I had paid for, I promptly requested a refund from XXXX XXXX. She assured me verbally and in written correspondence that she would process the refund. However, despite her assurances, she failed to return the funds to my account. 

In my pursuit of resolving this matter, I reached out to Suncoast Credit Union, my financial institution, and provided all relevant details. I requested to include the correspondence from XXXX XXXX confirming her agreement to refund me. I was taken aback when my dispute was denied, with the reason given being that the transaction was executed via XXXX XXXX, and as such, I should adhere to XXXX XXXX  terms of service. 

I would like to point out, as per XXXX XXXX 's terms and conditions under section " 5. Dispute Resolution, '' that dispute resolution rights are determined by the funding source used for the transaction. The terms explicitly mention, " Your dispute resolution rights are determined by the funding source used to fund the applicable transaction. '' In this case, Suncoast Credit Union is the funding source for my account. 

I am deeply disappointed by the oversight and misinterpretation of both the XXXX XXXX 's policy and Suncoast Credit Union 's own dispute resolution procedures. As a loyal member of Suncoast Credit Union, I had confidence that my concerns would be addressed with care, precision, and fairness. 

To rectify this situation, I kindly request the following : A comprehensive review of my dispute, taking into consideration the evidence. Suncoast has not allowed me to submit any documents including the correspondence from XXXX XXXX. 
Based on the dispute resolution rights of Suncoast Credit Union, I request a resolution that aligns with my rightful claim. 
A formal acknowledgment of this complaint and assurance that steps will be taken to prevent such oversight in the future, ensuring that other customers do not encounter similar difficulties.
Consumer complaint received 2023-02-24
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. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-29
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: EQUIFAX, INC. (GA)

I hope this letter reaches you under circumstances conducive to immediate resolution. I am writing to express my deep concern and frustration regarding the multiple attempts I have made to address two critical issues related to my account Despite multiple previous attempts to address the delayed opening of my account, the issue remains unresolved. 
Additionally, I have also been seeking assistance in the removal of a charge-off from my account. Despite my multiple attempts, the charge-off continues to affect my financial standing. 

I understand that these matters can be complex, but the extended delay in account activation and the persistence of the charge-off are causing significant distress and inconvenience. 


Expedite the process of opening my account and ensure its activation at the earliest convenience. 

Conduct a thorough review of the charge-off and take the necessary steps for its immediate removal. 

Improve communication channels to keep me regularly informed about the progress made on both issues and the expected timeline for resolution. 

Given the prolonged inconvenience, I kindly request that you consider appropriate compensation or accommodations for the stress and financial disruption experienced. 

I understand the complexities associated with these matters but emphasize the urgency of a swift and effective resolution to restore my confidence in your institution 's services. I am asking for your assistance to correct these late open account and removal of charge off in my credit file : XXXX XXXX Balance Owed : {$5900.00} Date Opened : XX/XX/XXXX  Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as Agreed and I never missed a payment. 
Please update it immediately. 
XXXX XXXX Balance Owed : {$0.00} I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
lam a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's IdentityTheft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-09-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-09-30
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)

I have filed numerous complaints against XXXX, XXXX and Trans Union for Unauthorized use of my Information. All credit Reporting agencies have been notified numerous times. Noted by CFPB numbers XXXX, XXXX, XXXX and other complaints. XXXX XXXX  Account Number # XXXX no info available, TransUnion has not obtained proper information as according to 15 USC 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Nor has XXXX  obtained proper information ( XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ), as according to 15 USC 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
Late Payments listed from XXXX XXXX, XXXX XXXX  and XXXX list late payments as 30 days then 120 days etc. No intermediate times listed. All late Payments from all Credit Reporting agencies shouls be deleted.
Consumer complaint received 2023-08-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliant Capital Management LLC (CA)

I got an email from this company stating. I entered a payment arrangement when I have never spoken with anyone from this company. I have had them call family members I do not have ir had communication with in years and now is causing family issues. 
This is the person who sent the email. 
XXXX XXXX
Consumer complaint received 2023-08-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NV)

I was deployed to the XXXX XXXX from XX/XX/XXXX - XX/XX/XXXX. During this time, my mortgage was sold to a new mortgage provider ; Freedom Mortgage. 

My autopay was discontinued and when I returned back to the states, I learned that I had missed 2-3 months of mortgage payments.

I have paid all the missed payments within 1 month of realizing this, even before my XXXX XXXX orders officially finished. 

Since then, my credit score bottomed out to XXXX and now they are refusing to cancel my PMI due to missed XXXX or more mortgage payments in the last 12 months. 

I feel I should be protected by the civil service relief act. 

I was able to get my credit score within the XXXX again. Freedom mortgage has been incredibly difficult to work with and wont discharge my PMI.
Consumer complaint received 2022-04-19
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. (FL)

I mailed in a certified letter to disputes 2 XXXX  XXXX accounts that have factual errors and need it to be investigated and DELETED asap. I have proof that the letters were received by EXPERIAN and have confirmation. I have not received acknowledgment that they have received the disputes. I called today just to see the update and was told that they never received anything and that they have nothing on file. I need them to investigate and find my disputes which was received by them on XX/XX/22
Consumer complaint received 2024-03-13
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. (VA)

I am writing to request the deletion of certain student loans from my credit report as provided for under Federal law specifically 15 USC 1681b ( a ) ( c ). I believe that the inclusion of these student loans on my credit report is in violation of the law, and I kindly request your assistance in rectifying this matter. As you are aware, 15 USC 1681b ( a ) ( c ) mandates, that consumer reporting agencies, such as yours, Must insure the accuracy and fairness of the information they include in credit reports. According to my understanding of the law, certain student loan should be exempt from reporting after a certain period of time, provided they meet the necessary criteria outline in the statute. After conducting a thorough review of my credit report, I have identified the following student loans that I believe should no longer be included : Loan type : Education loan Creditor name : XXXX XXXX XXXX Date : XX/XX/XXXX Loan type : Education loan Creditor name : XXXX XXXX XXXX Date : XX/XX/XXXX Loan type : Education loan Creditor name : XXXX XXXX XXXX Date : XX/XX/XXXX Loan type : Education loan Creditor name : XXXX XXXX XXXX Date : XX/XX/XXXX Loan type : Education loan Creditor name : XXXX XXXX XXXX Date : XX/XX/XXXX Loan type : Education loan Creditor name : XXXX XXXX XXXX Date : XX/XX/XXXX I kindly request that you investigate the inclusion of these loans on my credit report and take appropriate action to remove them if they indeed meet the criteria for deletion under 15 USC 1681b ( a ) ( c ). I understand that the law allows for the removal of obsolete and outdated information, and I believe that these loans fall within those parameters. I have attached relevant, supporting documentation that demonstrates the eligibility of these loans for removal if there is any additional information or documentation required from my end, Please let me know, and I will promptly provide it. I kindly request that you respond to this matter within the timeframe for by the federal law to ensure the timely resolution of this issue. Please communicate with me in writing, regarding any action taken, or any further steps required on my part. Thank you for your attention to this matter I look forward to your prompt response in the successful resolution of this request. Sincerely, XXXX XXXX
Consumer complaint received 2023-05-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

in accordance with the fair credit reporting acct XXXX has violated my rights 15 USC 1681 section 602 states that i have rights to privacy. 15 USC 1681 Section 604 A section 2. it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 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 2022-10-16
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. (TX)

XXXX XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Balance {$960.00} XXXX, XXXX XXXX {$10000.00} Account number XXXX Date opened XXXX XXXX, XXXX XXXX XXXX XXXX  Balance {$270.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$3400.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$1300.00} Account number XXXX Date opened XX/XX/XXXX 2022
Consumer complaint received 2019-12-01
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: Experian Information Solutions Inc. (CA)

After getting a mortage modification at the end of 2013 I know longer am seeing mortgage payments being report since then. We been paying on time since modification was in place and this would be a huge boost to my credit score. I  am enrolled in Experian 's credit monitoring tool which also flags things that can hurt your score like unreported mortgage payments because it shows consistency of being on time with large payments and when you don't have it you don't get the advantage of that boosting your creditor score. 

I don't know how to fix this. And somethings I've read have made it sound like it has to be researched first but I can't get good info. Like the could there be negative consequences for having reporting of mortgage payments to XXXX XXXX before the Chapter XXXX bankruptcy has gone of my report. I'm confused.
Consumer complaint received 2023-08-23
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: CITIBANK, N.A. (VT)

I still have {$820.00} on my Citi Bank Card. It should be {$0.00}. I havent used the card at all for any of the purchases. This is the 3rd time I am complaining. Citi Bank executive agreed that they will remove all the charges and its been more than 90 days, my issue is not resolved. Hence I am requesting to remove all the charges and my account should be {$0.00}.
Consumer complaint received 2023-08-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BTH Management (WI)

its been si long ago that I really dont remember. However I went through a debt consolidation program and a bankruputcy. I realy dont rememberI but I know that anyone that responded to thw consolidation was taken care of AND any one included in the bankruputcy was dismissed.. I no longer have the paperwork.. Probably more than 9 or 10 years ago. Now they have put this on my credit file as though it si current. 
It should not be on my file at all..
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Showing my credit score at least 100 points higher than it really is. Ended up with a number of denied cards and inquiries due to me thinking my score was was higher than it actually is.
Consumer complaint received 2019-12-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

i submitted a dispute with my credit card company as i was overcharged for a service i subscribed to. i provided substantial documentation demonstrating my overpayment, including documents from the XXXX  XXXX  XXXX indicating this company indicating that they XXXX  had an active alert on this company for overcharging customers per the terms they present to customers. the reason my claim with my credit card company was denied was because they stated i could not provide them with a copy of my original receipt. however, the only receipt i was provided was a screenshot i took on my phone at the time of purchase. this was the only receipt i ever received from this scam company.
Consumer complaint received 2023-05-23
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. (NY)

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXXXXXX, XXXX XXXX  XXXX and XXXX XXXX XXXX XXXXXXXX 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 this item 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 2024-02-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (WV)

I sent a detailed email to Jefferson Capital systems, XXXX, on XX/XX/XXXX. Requesting copies of any documentation as to the original debt, with signatures. They sent me a statement from XXXX. That's it. No loan documents, no signatures, no other paperwork at all. I sent another request today. I asked for copies of any/all documents with signatures as to proof of debt.