davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (WA)

Last year I was on an income based repayment plan that was {$97.00} a month. My wife has {$60000.00} in student loans and we have XXXX children as well as an additional family member living with us, my wife can not work and I am the only person bringing in an income. My income has not changed. I applied to recertify my IBR and they failed to review my spouses student loan debt even though she authorized them and I have proof. My full regular payment which I have been paying for the past two months- since my IBR expired is {$340.00}. I have proof of payments and a letter from AES stating so. So now they have proceeded to approve my XXXX for a payment of $ XXXX an amount that is HIGHER than the full payment. They have lied and said the full payment is $ XXXX even though I have all the supporting documentation that the full payment is {$340.00}. I have emailed them numerous times as well as requested a complete breakdown of their figures and they have not provided this. I have wasted 2 months going through this process. Why would they approve my for an IBR for a payment that is higher? Why would they put someone through that? I need a manager to tell me the truth- with the honest figures, and for them to stop lying. We are in a worldwide pandemic, and clearly I am applying for an IBR because I can not afford the full payment. It is incredibly uncaring that they would make me go through this.
Consumer complaint received 2018-01-21
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc (TX)

I sent XXXX XXXX XXXX XXXX a letter regarding account number XXXX asking to verify and validate debt. I was notified that this account was verified with no proof of original contracts with my signature. no fair and thorough investigation was conducted. 
this account has also been on my account for 7 years from my understanding its suppose to drop off my credit report.
Consumer complaint received 2023-02-06
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. (NY)

i applied for a loan for my sons XXXX XXXX with XXXX XXXX they said they would use XXXX now there are over 10 hard inquiries 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. i also went to a car dealership they they said they would only use XXXX now there are over 5 hard inquiries on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-06
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. (NY)

i applied for a loan for my sons XXXX XXXX  with XXXX XXXX they said they would use XXXX  now there are over 10 hard inquiries 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 i also went to a car dealership they they said they would only use XXXX now there are over 5 hard inquiries on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-10
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Express Recovery Services, Inc. (UT)

On XXXX I called to find out more information on my account. While I was on the phone I was talked down to by the representative. I asked her to please work with me to help me understand what is going on and she kept interupting me, telling me I did not take care of the outstanding bill and spoke in a belittleing manner. I repeatedly asked her to please understand that I have some mental health concerns that prevent me from understanding things so if she could please help me. She continued to be very rude and I asked to speak to someone else and she was short, rude and put me on hold. I was able to talk to someone else and he was very helpful and provided me the information I needed to get this resolved. 
I would like to file a complaint about the company 's representative. Her name is XXXX XXXX and she works with XXXX XXXX. 
XXXX XXXX XXXX ( # XXXX ) XXXX XXXX ( # XXXX ) XXXX XXXX Attorney for Plaintiff XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Telephone number XXXX File # XXXX
Consumer complaint received 2020-03-06
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: Experian Information Solutions Inc. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting Act XXXX  XXXX : Account # XXXX, XXXX XXXXXXXX : Account # XXXX, DEPT OF EDXXXX : Account # XXXX, # XXXX, # XXXX, # XXXX, XXXX XXXX XXXXXXXX : Account # XXXX XXXX XXXX XXXX : Account # XXXX, XXXX, XXXX XXXX : Account # XXXX, XXXX  : Account # XXXX, XXXX, XXXX : Account # XXXX, XXXX  XXXX Bankruptcy : 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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : States 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 2020-12-30
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. (AR)

On XXXX I sent my disputes to the bureaus and as of today over 60 days later I have not received a response back pertaining to the misleading unverified accounts that I listed within my letter. I know we all make mistakes but this has truly caused stress in my life and I personally do not understand why I am being ignored I know that the bureaus receive thousands of letters each day therefore i am requesting a full independent investigation of the accounts i mentioned. I also discovered that I was apart of the XXXX  data breach so it is possible that my information got into the wrong hands. Thank you for promptly responding to my request.
Consumer complaint received 2020-03-06
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: I.C. System, Inc. (GA)

XXXX  XXXX XXXX Acct # XXXX* For {$770.00} I filed a dispute with credit bureaus with issue not being resolved. This not accurate information and this account does not belong to me. Please remove from my credit report immediately!
Consumer complaint received 2020-03-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (NC)

I filed a dispute on XXXX XXXX for {$1000.00} with a big wheel XXXX XXXX using a American Express Serve debit card. No services was performed or received but this merchant charged my card and is refusing to give me a refund. Amex is saying no charge was unauthorized which is not true this merchant got a free {$1000.00} from my card and i demand a refund.
Consumer complaint received 2020-12-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I found out someone was using my personal info to open accounts in my name when I applied for a credit card for the first time in years as I have always used cash and rarely used my credit in over 8 years. I disputed all fraudulent items with the major credit bureaus and filed a police report and an identity theft report for everything that has happened. I did everything the credit bureaus asked me to do and still the items remain on my credit. I should not be held liable for accounts that I didn't authorize or open.
Consumer complaint received 2021-03-11
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 have an unknown hard inquiry on my TransUnion credit report from XXXX XXXX XXXX. Be advised that I have already received a response from the company. They state that can not find any completed inquiries on XX/XX/2020. But still I do have this inquiry on my TransUnion credit report. See attached files with screenshot and company 's response.
Consumer complaint received 2020-03-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

This is a 3rd party collection debt buyer that I have requested verification via notarized letters as to the original contract that I signed with this company for more than two years. 
I searched my name on the SC court system site and found a case listed in my name in XXXX county in South Carolina where I do not live in or have never lived. How is it possible for me to protect myself when I had no knowledge of this situation. My address has remained the same for more than 40 years. 

Portfolio Recovery Associates, Llc NEF ( XXXX XXXX XXXX  ) Order/Change of Venue Filing XXXX DMS Image Available Icon Portfolio Recovery Associates , Llc Order/Change of Venue Order XXXX DMS Image Available Icon Portfolio Recovery Associates , Llc NEF ( XXXX XXXX XXXX  ) Motion/Change Venue Filing XXXX DMS Image Available Icon Portfolio Recovery Associates , Llc Motion/Change Venue Motion XXXX DMS Image Available Icon Portfolio Recovery Associates , Llc Affidavit/Attorney Filing XXXX DMS Image Available IconDMS Image Available Icon Portfolio Recovery Associates , Llc Service/Certificate Of Service Filing XXXX DMS Image Available Icon Portfolio Recovery Associates , Llc Summons & Complaint Filing XXXX DMS Image Available IconDMS Image Available Icon
Consumer complaint received 2023-05-15
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-12-28
Product: Credit reporting 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. (WA)

XXXX XXXX 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 2021-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc. (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2020-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (CA)

THEY ARE SHOWING A LATE PAYMENT THERES NEVER BEEN A LATE PAYEMENT AND THEY NEVER VERIFIED. 

Account Statement DateXXXX XXXXCurrent Balance $ XXXX Monthly Payment Amount $ XXXXAmount Already Paid for This Month- $ XXXXPast Due Amount ( if applicable ) + $ XXXXCurrent Amount Due {$0.00} While not required, you may continue making monthly payments even if no payment is due, as interest
Consumer complaint received 2020-03-06
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: DISCOVER BANK (CA)

The company did not addressed my issue. I strongly recommend card member to be careful with this Company and as stated I'm stepping up and work with lawyer and State Department to take actions against Discover. Discover knew about me wanting to make a payment in XXXX and never took it because my account was under " Working with Consolidators '' status. They could've accepted my payments. Also, account was taken out of these status on XX/XX/XXXX and reported to Credit Bureaus the following day, not giving me time to make at least required payment to my account.
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have had a card with XXXX  XXXX for a while and they are misreporting delinquincy on my XXXX  XXXX XXXX  and XXXX XXXX. I have tried to dispute it and they will not take it off.
Consumer complaint received 2024-03-19
Product: Credit reporting 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: EQUIFAX, INC. (MO)

XX/XX/XXXX, I was alerted by my XXXX XXXX that my credit report through Equifax was unable to be pulled. 

XX/XX/XXXX, after numerous calls and being transferred to different departments just for the call to be disconnected. I was finally able to get someone on the phone to figure out what was going on. My birthday year was changed from XXXX to XXXX, I was able to upload my drivers license via website and that was verified. Now XXXX, same issue there's a block somewhere, I sure haven't placed a block or a freeze. Called again, this time it's my address being flagged as fraud!! I was told the only way possible yo get this fixed is to send them a copy of my driver 's license and social security card, as well as a utility bill. That is not at all secure, which can cause even more issues. I asked for a better, more secure option and was told to send it by priority mail. 

I'm paying substantially more for everything because lenders can not pull my report to offer better rates. This has caused a considerable amount of unneeded stress. The only solution is to send all my information via the postal service. I can verify my identity through the IRS so much easier than Equifax. 

There has to be a better solution.
Consumer complaint received 2023-02-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MN)

My father passed away the house was transferred to me I made payment to Wells Fargo and kept trying months went on for almost a year before they would even allow me access to the account to make payments. They rarely returned my calls, and when I called I sat on hold sometimes up to 45 min! I fell behind on the payments I was asked to make payment for a trial period to catch up but I was given 3 months to do it but I still had no information from Wells Fargo on assuming the loan or where to make payments they kept telling me that my representative was on vacation well long story short I LOST my fathers home my inheritance and my childhood home to foreclosure! I had tried several times a day to talk to them they never returned my calls or emails and I sat on hold for hours!,, they now have my home listed for a large amount of money AND they are listing FALSE details regarding the home such as square footage bedrooms etc can someone Please help me I have a entire folder of a years worth of information and dates and documents that I am more than willing to hand over and share to show Wells Fargo is dishonest and does very shady business they ripped me off and basically stole my home!,,,
Consumer complaint received 2024-03-19
Product: Credit reporting 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. (FL)

I have noticed several authorized inquiries on my credit report that I would like removed. I am a victim of identity theft. The inquires are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (PA)

Shellpoint Mortgage Servicing ( NewRez ) is my mortgage servicer and supposedly paid my property taxes on XX/XX/20 in the amount of {$4900.00}. The collections group for my area informed me on XX/XX/20 that I had yet to pay the taxes on my home. I contacted Shellpoint and for four weeks not a SINGLE PERSON in their company has been able to tell me even the most basic information about the payment : Was the check cashed? What was the check number? Were my taxes sent with other taxes? If so, what was the total amount of that check? Where is this money now? Why was it not debited back to my escrow? 

Due to the fact that my taxes are now 3 months late, I owe an additional 12 % of face value as a penalty. 

Currently not a single person at this company can located the {$4900.00} or tell me where this money was sent. Additionally, I am continually told that I am not allowed to speak with anyone from the tax department that is able to help resolve this issue, as it is 'against company policy. ' For almost 4 weeks I have worked tirelessly to contact them and get information and resolution to this problem to no avail. 

My taxes are now being sent to collections and my servicer continues to not take any action toward resolving this issue. 

I believe it is likely that this is a criminal organization that is mis-appropriating escrow funds and lying to homeowners about where their taxes are being sent. 

To any futures homeowners : prior to signing your mortgage, ensure a clause is included that prevents the mortgage or mortgage servicing rights FROM EVER BEING SOLD TO SHELLPOINT MORTGAGE SERVICING or any of it's successors.
Consumer complaint received 2020-03-06
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. (TX)

On XX/XX/2019 I paid and closed an CC with XXXX. For 9 months the account appeared as paid and closed. never missed a payment. 
Suddenly the CC gets included in a portfolio of Debt sold to someone with a balance. 
I complain when the Debt Collector uploads an account with a wrong balance not registering the payoff, result of the dispute, the debt collector account remains when they never verified the debt according to FCRA, and XXXX loads the same account and registered missed payments that I have never had. The debt collector after not being able to verify the debt and never provided binding documents, answered on complaint XXXX to the CFPB that he was removing it. and Experian does not remove it and in addition has the XXXX account that was never late and closed on XX/XX/2019. 
How can an account could have been late after XXXX, if it was already closed? 
Experian has had the time to validate this and failed twice. I am complaining about this abuse, and violations to the Law, in addition to any potential legal avenues.
Consumer complaint received 2020-12-30
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

I found out someone was using my personal info to open accounts in my name when I applied for a credit card for the first time in years as I have always used cash and rarely used my credit in over 8 years. I disputed all fraudulent items with the major credit bureaus and filed a police report and an identity theft report for everything that has happened. I did everything the credit bureaus asked me to do and still the items remain on my credit. I should not be held liable for accounts that I didn't authorize or open.
Consumer complaint received 2023-02-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: DISCOVER BANK (MD)

On XXXX XX/XX/2023, money transfer features including XXXX was unavailable for use with Discover Bank checking account. Online app showed some features are temporarily unavailable. Bank representative on the phone failed to specify the time for outage - hours, days or weeks? She just said this is unplanned and that a better answer is not available, not even an estimate. This is unacceptable as money transfer abilities on my own accounts is essential for me, and it is concerning as in the past their XXXX option had been down for weeks. I would like at the very least for Discover Bank to respect the customer enough to provide an estimated timeframe.