davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX DOB XXXX SSN XXXX XXXXXXXX XXXX Account XXXX I've tried several times to remove this unfair information from my report as it directly relates to a disaster issue I have no control of, and it clearly states that on the report.
Consumer complaint received 2022-10-18
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: EQUIFAX, INC. (MI)

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2020, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts and inquiries that are still reporting on my account : XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$800.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00XXXX XXXX XXXX XXXXXXXX XXXX Balance XXXX {$330.00} XXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/2020
Consumer complaint received 2019-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I contacted USAA around the XX/XX/2019 to inquire is a Chapter XXXX ( CXXXX ) bankruptcy would impact my secured VISA. I was told it wouldn't, which was a lie. 

My CXXXX was filed on XX/XX/2019 and by XX/XX/2019, USAA had closed my secured VISA account with no notification and they did not use the secured funds to pay off the card. They changed the card to a charge-off status and refused to release the security funds to pay the card off, as I'd requested. They told me to have my lawyer contact them, which he did, twice. They ignored my lawyer 's requests to close the CD and pay off the card. I felt like I was lied to again. 

I then contacted USAA again on XX/XX/2019 to inquire about this same issue and reached a CS Rep that indicated I was misinformed during my previous calls. She put in a claim to have the security funds released to pay off the card and would send me the balance. That claim was denied but no-one notified me. 

I then contacted USAA ( again ) on XX/XX/2019 and went through ~six reps in almost 1.5 hours to get no-where. The call ended with a bankruptcy dept rep named XXXX ( emp # XXXX ) and her manager, XXXX. They both lied again and said the funds would not be released until the bankruptcy was discharged ( which made no sense to me since the card would be paid off so there was nothing for them to use *MY* money for if the card is already paid in full ). I then contacted my lawyer and asked for his assistance.
Consumer complaint received 2022-05-04
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. (AL)

In accordance with the Fair Credit Reporting Act Merchants XXXX XXXX account numbersXXXX, and XXXX. 

15U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C section 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written Instructions.
Consumer complaint received 2022-05-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (IA)

I have been enrolled in the public service loan forgiveness since 2007 when the program started. I have held XXXX XXXX  that meet the criteria and submitted the Public Service Loan forgiveness certification form yearly. I was in the middle of loan consolidation as recommended to receive the highest payment counts. One day after my loans were consolidated, my PSLF took place and my remaining balance on direct loan were forgiven, except one. I waited and thought it was timing- after all the most current loans I had were forgiven but the oldest ones were not. They were consolidated into a new loan - I resubmitted my employment certifications from 2007. My payment account is listed as 3 on the new consolidated loans- meaning all the prior payments I made were lost in the consolidation. I am not getting anything from federal student loan- no reply 's to emails, long hold times on the phone. My payment numbers havent been updated. I have been waiting for this program to finally come together since I completed my first ten years in the public health care field. I am going on waiting for this for 15 years now- the way this program is sloppy and with no regard to us that work in public service for this loan program. I am really beyond frustrated that only half of the loans were forgiven- when I have meet all the requirements. When in fact on the new loan they consolidated all my past payments were wiped out- when they consolidated and only forgave half of the loans -- and the most current loans at that! Please help me!! I feel like I am getting no where with FedLoan.
Consumer complaint received 2019-08-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

On XX/XX/XXXX a company I did work for paid me my wages through PayPal to which I then initiated a bank transfer which was advertised to take 24 hours. On XX/XX/XXXX I didn't see the money in my bank. I called my bank to see if it was pending, and they informed me that nothing was in the " warehouse '' pending to be deposited into my account. I called PayPal and was told it could take upwards of 3-5 business days, even though it doesn't say as such on their website. 

I called again on XX/XX/XXXX after still not having received my money and was told they would initiate a trace to see where the money went, and that they could start that 7 business days after the money was supposed to have been deposited. I called back on the XXXX of XXXX ( 7 business days later ) and was told I would have to wait another day to initiate the trace. I called back on the XXXX and was told the trace could take anywhere from 24-72 hours. 

I called back the XXXX, still nothing. Called back the XXXX, still nothing. Called back the XXXX, and still nothing. Later in the day on the XXXX I called and told them I wanted an answer, to which I was told that the trace showed that the money was in my bank and there was nothing more they could do. Now, each time I called PayPal- I called my bank to see if anything had dropped. So I was quite familiar with everybody on my banks end, and there was nothing they could do because the money hadn't even made it to their " warehouse '' ( aka Automated Clearing House ). 

I then conferenced in my bank to tell the supervisor at Paypal, XXXX, that the money isn't there. He asked to speak to a manager, who also told him that the money wasn't there. He then asked to speak to their ACH department, to which he was told he couldn't. XXXX then informed me that since the money was gone from PayPal that he couldn't do anything and it wasn't PayPal 's problem anymore. He then told me, after 3 hours of being on the phone, that he would initiate a withdraw trace to get my money back, which could take 3-5 business days. 

It has now been 3 of said 5 days, and I called for a status update ( since they don't update me themselves ) and was told I would have to wait the full 5 days.
Consumer complaint received 2022-05-04
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. (MA)

TransUnion Credit Bureau is erroneously reporting information that was corrected on my credit report by XXXX XXXX XXXX. The refusal to correct the information is causing my credit score to dip by over 50 points. XXXX XXXX XXXX has sent me documentation correcting the error and has also sent the same information to TransUnion. Instead of accurate reporting, the account now shows " Account closed with XXXX balance '' which is not true. The account should be reported specifically ( as stated by XXXX ) as PAID AS AGREED WITH NO PREVIOUS DELINQUENCIES.
Consumer complaint received 2022-05-04
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (NY)

This company has yet to send me a validation of debt letter, please send me information showing that I signed for anything, provide me with proof that you have my identification with opening up this debt, please provide me with any payments that was received with your company, Also please provide me with all information showing what was given to open up this account, PROVIDE ME WITH MY SIGNATURE ON OPENING THIS ACCOUNT ASAP
Consumer complaint received 2021-06-10
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: EQUIFAX, INC. (GA)

on XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly state that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I file litigation due to the stress you caused me. My information was impacted by the equifax data breach and my have got into the hands of the wrong person.
Consumer complaint received 2020-12-14
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (OH)

I am attaching files of the complaints that I filed. 
I show on my credit report that I am 3 months default a few years ago. I called the federal loan service and was told to send the information, which I did. I then sent it to them with more information and twice they refused to remove the incorrect information. 

I was not in default ever and my paperwork from them shows that I am in forbearance and owe them nothing.
Consumer complaint received 2018-03-13
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: MARINER FINANCE, LLC (PA)

XXXX show up on my credit history ( XX/XX/XXXX ) XXXX   ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX XXXX ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX  ( XX/XX/XXXX) do not have any knowledge of this inquiry XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ) never gave them auth. to run my credit. I explained to the guy you can just give me numbers without running my credit.

XXXX XXXX (XX/XX/XXXX ) do not have any knowledge of this inquiry it should only been one inquiry which it was on the XX/XX/XXXX XXXX  ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX) do not have any knowledge of this inquiry XXXX XXXX ( XX/XX/XXXX ) do not have any knowledge of this inquiry Mariner finance ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX (XX/XX/XXXX,XX/XX/XXXX ) do not have any knowledge of this inquiry
Consumer complaint received 2022-10-18
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. (AZ)

Unauthorized inquiries have appeared on my credit report by these creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-08-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (IN)

One problem I've had is that I transferred my loan to PSLF in XXXX. At that time I had worked XXXX at two different XXXX colleges since the winter of XXXX, so about 4 years worth of paying on my loans. 
I had my employment certified from both institutions. I called XXXX and they agreed I was eligible for the program. My loans were added and I began paying. It is now fall of XXXX, my payments from the span of XXXX ( my initial hire date ) to XXXX ( when I entered PSLF ) have still not been processed/calculated toward my 120 total payments. 
I called and spoke to them several times over the last few years, including today. I was told that waiting these are called partially processed payments, and that taking two years for the processor is normal. I asked if I could speak to the processor, no. Can I talk to anyone about this that can set some expectations as to when this will move from partially processed to processed, no. Is there any information missing, no. 
Can I know when this will done, no. 
And so on. 
I can't get them to calculate my payments, making it difficult to know what's remaining. Also, I am a salary employee and I take out XXXX ( income based repayments ) but my payments year-to-year have often fluctuated by XXXX of dollars, even with my salary changing maybe 3 to 5 % yearly.
Consumer complaint received 2019-08-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (AZ)

Owens Loan servicing, LLC keeps putting stickers on my door in the middle of the night harassing me. Some one call me trying to get me to sell them the house etc. I need Owens Loan servicing, LLC to stop sticking stickers all over my door and and harassing me. There nothing but a scam and committing fraud. I have also file a complaint with US Attorney office in regards to Owens Loan Servicing, LLC
Consumer complaint received 2021-09-17
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NY)

I got a credit card with homedepot when i was buying a new freezer. They promised XXXX dollars off. The card only had a XXXX dollar limit and the freezer was XXXX. To get the XXXX dollars off i had to spend XXXX. I bought some more stuff but nothinh went through so we had to call customer service. Someone called and was goimg to fix the card but then they said the systems were all down. This is while i was at the store waiting. Everytime i called back they said the system was down huge waste of time
Consumer complaint received 2020-06-03
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: BARCLAYS BANK DELAWARE (MD)

Multiple charges that appeared to be for goods and services that were not accepted or that were not delivered was posted on the Barclay credit card account. The merchant was contacted multiple times, in writing, regarding the dispute and had sufficient time and the opportunity to resolve the issue. By letter dated XX/XX/2020, Barclay advised the undersigned that it was unable to pursue credit on the undersigned 's behalf for the transactions because the merchant allegedly did not have the opportunity to resolve the issue. However, on multiple occasions including on XX/XX/2020, and again on XX/XX/2020, the undersigned advised the merchant that the goods and services had not been received and requested a credit for the transactions without a response. The undersigned forwarded copies of the correspondence that were sent to the merchant to Barclay in support of the charge back process. 

Despite the undersigned 's best efforts to date to resolve the dispute with the merchant, Barclay refused to pursue credit on the undersigned 's behalf including invoking the right to charge the transactions back to the merchant for non-receipt of goods and/or services.
Consumer complaint received 2022-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

In may I called American Express to inquire about what offer I would receive if I were to upgrade my American Express delta XXXX card to the reserve card. The person I spoke to on the recorded conversation struggled with explaining the upgrade process and explaining any terms and conditions, but from what I understood, if I upgraded I would receive a promotional offer of XXXX miles so I said yes to upgrading my current account. A few days later I receive a new credit card on a completely new account. I call back to find out what happened and apparently the representative have instead of upgrading my current account, opened w completely new account without my knowledge. Any explanation he had given on the phone was not something an average person would comprehend and I was shocked to find a new account opened in my name without my permission, I now had XXXX XXXX Amex cards each with their own separate yearly fee. 

I called in to resolve this miscommunication and the options I was given were to cancel the new account which would affect my credit score, or downgrade my current card to a free yearly fee card and keep my new account card with its yearly fee. I agreed to keep the new, wrongly created account with its signing bonus, but at that time when I was accepting the new account I brought it to the representatives attention that I had an offer for XXXX miles and XXXX mqms. The representative agreed they would apply that welcome offer to my card and proceeded to downgrade my other one. 

I ended up only getting the original offer and not the offer That was agreed upon for opening up an account without my knowledge. Fast forward 2 months and countless calls later American Express still refuses to give me the remaining portion of the offer that was agreed upon of XXXX more miles and XXXX mqms. I have called many times and now have to resort to filing a complaint.
Consumer complaint received 2021-12-08
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: SYNCHRONY FINANCIAL (GA)

I have received mail that doesn't is not mine please remove the following : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX SYNCB/PAYPAL
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (FL)

I closed my account and yet this company is send me statements saying I am late in paying my annual fee on a closed account. This account was closed last year but they failed to close and I had to call again. They stated they would reverse the charge that it now affecting my credit report
Consumer complaint received 2021-12-08
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. (CA)

Hi, This matter is with XXXX XXXXXXXX XXXX. I had a line of credit with them and each month I make a {$100.00} payment. In XXXX I made monthly payments as usual. Then I received a late notice ( I can not remember the exact date, but it was the later half of the year ). I called XXXX and found out my payments were going to an Unapplied Account, but they do see the payments and said they will move the funds over to my account. At that time, I did tell them that this had happened to me a few years back also ... my payments were being applied elsewhere, and then I would get a late notice, I had to call to get them to reapply it to my account... 
Then, a few months later in XXXX, it happened again, this time when I called, the Rep said the same thing again, that they see the payment but it's in the unapplied funds account. The difference this time was she told me that the loan had matured and I had to pay it off. So I said ok, and I paid it off. 
Fast forward to XXXX, I'm in the process of refinancing my home, and that was when I found out that XXXX reported me XXXX months paying late. I tried calling XXXX multiple times. First time they said their reporting is accurate, I tried disputing it but got no response. Third try got no response either. But the Rep told me she will send me the payment history on file and I can file a report with the Credit Bureaus. When I got that statement I sent it to my lender. He told me the statement was hard and confusing to read, which I do agree. But that goes to show that XXXX was messy applying my payments. So I printed out my payment history from my bank also, which clearly shows I made my payments each month, and made a payoff amount of {$4000.00} in XXXX. 
So my lender suggested I also file a dispute with the XXXX credit bureaus. He wrote the cover letter for me and told me to mail it with my payment history. So I Certified Mail them on XX/XX/XXXX. I received the Dispute Result letter yesterday XX/XX/XXXX. The results says the " Outcome Remains '' I feel that Experian also failed me. I sent in my payment history as proof that I was never late, and they didn't even take that into consideration. 
I would like to file this complaint on both XXXX XXXX  XXXX and Experian. XXXX XXXXXXXX XXXX for reporting inaccurate information and not correcting the issue, and Experian for not doing their due diligence on my behalf. 
I can send you the payment history statement that XXXX sent me and also my payment history that I printed out from my bank for you to review. 
Thank you for your time and I hope you can resolve this issue for me.