davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-24
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SELECT PORTFOLIO SERVICING, INC. (OK)

I filed Chapter XXXX Bankruptcy on my XXXX XXXX XXXX XXXX XXXX and the balance of {$79000.00} was discharged XX/XX/XXXX. I have been maintaining the payments in order to keep the property. In XX/XX/XXXX. XXXX XXXX  XXXX sold my account to Select Portfolio Services and now they are calling me, requesting payment. XXXX XXXX XXXX told me that they would have to follow the same laws and could not call and harass me. I informed the last representative that I filed bankruptcy years ago and that they are not allowed to call me. 
This representative, XXXX XXXX, said that they are allowed to continue to call me as long as I keep the property. I spoke with an attorney and was advised that they are NOT allowed to call me and request this debt. I have also received bills from them informing me that I am late! They have called me multiple times a day and even on a Sunday before XXXX XXXX!!
Consumer complaint received 2019-01-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: ACS Education Services (NY)

ACS was my loan servicer I believe from XXXX to XX/XX/XXXX. My balance was consolidated of {$58000.00} and I had transferred to a new servicer XXXX. I had wanted to get into a forgiveness plan because I thought it would be good for me. 
When I had spoked with a customer representative from XXXX twice in XXXX. I had to pay {$71000.00} I could not understand why so high? I did not think much until I heard about XXXX being sued. I had wanted out of XXXX and wanted to go back to ACS. It would not be a good idea because I may have been charged a higher rate. I need to find out why ACS charged the high rate.

I had tried calling ACS but they could not find my information. I'm not sure since the name has changed.
Consumer complaint received 2023-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account ( 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 2019-01-24
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (PA)

XXXX XXXX may not understand the requirements under Unfair, Deceptive, or abusive Acts or Practices ( UDAAP ). According to UDAAP, the representation, omission, or practice is likely to mislead consumers is a requirement that should be reviewed when marketing credit offers to customers. 

They currently are marketing an offer to consumers that is very DECEPTIVE. They replied to complaint XXXX and said they will update the marketing material but are not honoring the current offer. They may want to consult with their legal team. The proximity, placement, positioning and prominence of the attached offer provides 15 % off when you use the XXXX XXXX Credit Card and below the offer clearly states plus get either 6,12,18 months of financing Or choose revolving credit & 20 % Off your entire first purchase. 

Isnt it illegal to offer consumers ( violation of UDAAP ) offers that the bank will not honor? How is sending me a {$100.00} gift card correct this problem? How does XXXX XXXX correct internal issues as required by regulators? According to the OCC, banks are required to have a corrections/remediations process where they can correct issues such as misrepresentation of information that could lead to customer harm. XXXX XXXX doesnt seem to have an effective corrections/remediatoins program in place. They are refusing to honor a marketing offer and have admitted to the issue by being willing to update their marketing material.

I am once again requesting XXXX XXXX to honor their offer of 15 % off when I use the card Plus get 20 % off for my first purchase. A civil suit will follow if this isnt resolved and I will begin to socialize this faulty marketing offer via the various social media channels to ensure other consumers are not negatively impacted.
Consumer complaint received 2018-11-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CA)

I owe. Approximately XXXX on my loans. I was told it had a fixed interest rate. This has not been the case. Navient bought my loans a few years ago and I have requested a few times a copy of my MPN. I have not received it and don't believe I have been heard by Navient about my complaints Also, I was unemployed a couple years ago and tried to do a deferment and although I qualified by ever requirement I was told my only option was a forebarence which has significantly increased my loan amount. This has not been resolved and Navient has hounded me about my payments and offer no information I have requested. 

I want to understand why they wouldn't let me go into deferment. I want to know why my interest rate continuously changes and what's can do to get ride of Navient as my provider as I believe they don't have my MPN and that why I'm not getting a copy. I believe that I was unlawfully forced into a forebarence when I qualified for a deferment. 

Tons of issues and no help from my provider. Please assist
Consumer complaint received 2018-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

In XX/XX/2018 I received a letter from Pennymac stating our monthly payments would go up due to a shortage in our escrow account. The letter stated to tear off the bottom of the letter and send a check for almost 2000.00 in order for the monthly payment to stay the same. I tore off the coupon, wrote a check and sent it in. Since then the money went into the account but not toward principle / interest and not toward escrow. I have called 3 times, spoke to supervisors, was promised call backs I never got. My money is not in my account, my payments did not go down and I feel like this company does not know what they are doing. I want my account to now be audited for miscalculated overcharged interest as well as for mistakes on their part. I want my escrow money deposited into my escrow account and my payment reduced. I am attaching a cashed check that shows it was written XX/XX/18 and deposited in early XX/XX/XXXX. It is now XX/XX/18 and my account needs to be corrected.
Consumer complaint received 2018-03-01
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. (MS)

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Fraudulent Account XXXX XX/XX/XXXX Fraudulent Inquiry XXXX XX/XX/XXXX Fraudulent Inquiry XXXX XXXX XXXX XXXX  XX/XX/XXXX Fraudulent Inquiry XXXX XXXX XXXX. XX/XX/XXXX Fraudulent Inquiry Above is a list of fraudulent accounts and inquiries being listed on my credit report by your company. I did not give authorization to the above creditors to open and account nor pull my credit file ... Please remove the above items from my Equifax credit report ...
Consumer complaint received 2023-01-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (NV)

daughter paid for this card to help me pay doctor bills, she put {$420.00} on it at XXXX. They told her it would take a few days for the money to be loaded. I tried to use the card on XX/XX/XXXX and found there were no funds. On XX/XX/XXXX there was a charge to XXXX in arkansas for the full amount. I live in nevada, I did not authorize. Contacted XXXX on the internet and they said there was no charge to my card number. Contacted the number on the card and spoke to XXXX on XX/XX/XXXX at XXXX. I was told it would take 10 business days to resolve and to get my money back. I was given case Id and email of XXXX to find out how " investigation '' is going. I have emailed them 3 times, no response. Again I called the number on the card and spoke to XXXX who now tells me that is will take XXXX to XXXX for the " investigation '' to find out XXXX did not make the charge that i was able to find out in minutes. Something is definitely wrong with this. I am XXXX and I need this money for doctor bills. How can they just take my money like this?
Consumer complaint received 2022-08-16
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. (LA)

I am a natural person, I am a living being, and I have rights under 15 USC 1681. Equifax is governed by 15 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy and did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diverse Funding Associates LLC (MI)

I was notified on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that they represented DNF Associates, LLC regarding a so-called debt with XXXX XXXX XXXX account in the amount of {$2600.00}. I disputed on XX/XX/XXXX via certified mail return receipt of their claim of debt in the amount of {$2500.00}. I communicated that I did not owe this debt. I disputed the validity of their claim of debt in the amount of {$2600.00} due to DNF Associates, LLC. given the claim of indebtedness is without basis or merit. I did not have or ever had a XXXX XXXX account, In addition, I do not have a business relation nor history of any business transactions with XXXX XXXX nor DNF Associates, LLC. I requested as of XX/XX/XXXX pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ) Validating Debts that they provide proof to me of the following : - amount of the debt including evidence of any and all transactions giving rise to this so call claim of debt ; - the name of the creditor to whom the debt is owed ; - verification or copy of any judgment ; - evidence a XXXX XXXX account in my name ; - evidence a business relationship with the original creditor ; and - proof that they are licensed to collect debts in XXXX XXXX XXXX XXXX responded on XX/XX/XXXX to my XX/XX/XXXX request and failed to provide and information evidencing that I incur the so called indebtedness with XXXX XXXX via a XXXX account. On XX/XX/XXXX I was served with a summons concerning a Civil Complaint in the State of Michigan in the XXXX District Count for the County of XXXX with DNF Associated , LLC. by and through its attorneys. XXXX XXXX XXXX XXXX XXXX. the Jurisdictional Allegations 1. Plaintiff is the assignee of Defendant 's account with XXXX XXXX XXXX 2. The amount in controversy, exclusive of interest and costs, is less than {$25000.00} On XX/XX/XXXX, I filed with an Answer and Affirmative Defenses to Plaintiff 's Complaint. I denied all of the Plaintiff 's Claim for Relief and provided my Affirmative Defenses : 1. Lack of Privity. I asserted that there is no contractual relationship of agreement between the plaintiff, or the plaintiff 's assignor and the defendant. Specifically, I never entered into the contract of agreement alleged in the Complaint, and I am the victim of identity theft and the account, contract or agreement was created with my knowledge or consent. I therefore report this complaint to the Consumer Financial Protection Bureau of identity theft and ask for your assistance,
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc. (OR)

The background check for my job showed that my case happened in XXXX. It happened in XXXX and finished in XXXX. Also it said it was job related but it had nothing to do with work in any way. It was a hunting accident.
Consumer complaint received 2023-04-01
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)

Please delete these inquiries as they do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-16
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. (VA)

n accordance with the Fair Credit Reporting act 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 2022-08-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC. (NC)

I recently started a new job and as part of that I had a XXXX XXXX XXXX with my previous employer and a new XXXX XXXX XXXX with my new employer. I've been trying unsuccessfully since XXXX to transfer my old XXXX to my new XXXX. Both XXXX are part of Optum which apparently operates separately with Optum Financial and Optum Bank. XXXX of my XXXX is with Optum Bank and one is with Optum Financial. I talked to representatives at both parts of Optum and was instructed to download a transfer form to send in. The first time I followed the instructions and they responded and said it wasn't valid. Then I talked to them and asked them to walk me through exactly what they needed. The representative directed me to the location on their website to download the form and walked me through the fields to fill out as well as where to upload it. I did it just like they asked. Now they have done the opposite of what I needed and closed my new XXXX, transferring the funds to my old employers XXXX. In calling them today rather than help me solve it, the representative just kept telling me it was my fault because I filled out the wrong form. They are literally the same company, how can this be so difficult? I asked to have the call connected to a manager to which I was told he could handle it. Had to push to get a manager on the line to which I've now been on an excessive hold and I have very little faith they are going to help me get this resolved. They have also been charging me account maintenance fees on my old XXXX monthly because my old employer is no longer paying the fee and they charged me a transfer fee from my new XXXX. This is exceedingly frustrating!
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

I have sent many letters to XXXX XXXX and have not gotten a response other than Results from Reinvestigation and asked them to provide where they got this inaccurate information and they have not response with anything but continue to send me the same form to fill out and not response Asked for the report and got a response on from XXXX XXXX on XX/XX/XXXX. On that report includes a Bankruptcy which is inaccurate and also XXXX & Equifax both are reporting different information that what is on the XXXX XXXX report where they continue to say they are verifying it and clearly but the reports all of them have different information. XXXX deleted it immediately on XX/XX/XXXX Letters and responses XX/XX/XXXX certified received XX/XX/XXXX Sent a dispute to XXXX XXXX asking to verify this account with physical proof not a general respond. On XX/XX/XXXX I got a lettered dated XX/XX/XXXX saying it was verified and no other information provided as to where and how this was verified. SO I sent another letter to them on XX/XX/XXXX certified received on XX/XX/XXXX asking them to reinvestigate and give me the source of where they are verifying this information. I have contact the courthouse directly and they sent me a letter saying they do not verify so I would love to know how this is being reported and by who. Also how this can be different on XXXX XXXX, XXXX XXXX ( which deleted it ) and Equifax. No response but a request form that I filled out on XX/XX/XXXX and mailed the copy and also email to the address provided in the documentation and even got a copy of the conformation they got it on XX/XX/XXXX attached here that included a copy of my current drivers license and copy of my social security card. Still no response to this from XXXX XXXX. Still no response from Equifax or XXXX about investigation and where it comes from only that it is verify by XXXX XXXX and still all 3 have different information being reported. I have sent yet again the form filled out again to XXXX XXXX along with copies off all the letters and certified copies on XX/XX/XXXX that they got on XX/XX/XXXX. This is unacceptable and clearly shows inconsistent reporting along with not following the proper procedure to verify and report information on my account cause harm to my credit
Consumer complaint received 2020-12-17
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (NJ)

I made 2 purchases on my Direct Express account on XX/XX/2020 & never received the merchandise. Three weeks ago I mailed in the dispute forms & was told 3 days ago they were received but no action was taken. I've been calling Direct Express for 3 days & have been put on 1.5 hour hold times. This is exceptionally frustrating that Direct Express is operating in this manner.
Consumer complaint received 2023-04-01
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. (MI)

I have a XXXX XXXXXXXX. Under my FHA home loan and insurance I was protected from these late payments and filed all paperwork and was approved. I have been to court and these collections were dismissed by the judge. 
The credit reporting agencies still refuse to remove them and update my accounts This debt that was dismissed also keeps going back on my report and bill collectors call me back to back every day. Please help me
Consumer complaint received 2022-08-16
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. (VA)

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
Consumer complaint received 2022-08-16
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. (VA)

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
Consumer complaint received 2021-08-19
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: CITIZENS FINANCIAL GROUP, INC. (FL)

TO XXXX XXXX THE XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, I AM HOLDING YOU RESPONSIBLE FOR DAMAGES IN WHICH YOU HAVE CAUSE AND FOR VIOLATING MY RIGHTS FOR NOT REMOVING THESE FALSE INAACURATE INQURIES THAT HAVE BEEN PLACED ON MY CONSUMER CREDIT FILE BY YOUR COMPANY ... .15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ... ..I NEVER DID NO BUISNESS WITH YOUR COMPANY ... 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; REMEMBER MR.XXXX I GAVE YOU AN OPPURTUNITY TO REMOVE THIS FALSE INQUIRY AND YOU DECLINED ...
Consumer complaint received 2022-08-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (WI)

I have applied for PSLF ; however, despite me working at a non-profit, because I was in XXXX  XXXX bankruptcy, I can't get approximately XXXX YEARS of my COVID covered forgiveness. Everyone else has been able to, even defaulted accounts! I was paying on my student loans for the 5 years I was in bankruptcy status and that does NOT count either. Does it make sense that : 1. People who defaulted are allowed a clean slate/forgiveness but those in XXXX. XXXX bankruptcy and PAYING on their loans do not? 2. There is no compromise on it? 
What do you think would be a fair outcome to your issue? What would help : Have those months count - it was technically COVID - everyone received PSLF EXCEPT those in XXXX. XXXX bankruptcy. I paid on these loans in good faith for 5 YEARS. These need to count towards that PSLF time- as noted, especially during COVID.