davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NY)

I submitted the Public Service Loan Forgiveness application in XXXX of 2021. I have called several times and have not been able to get through the line. I was on hold for hours, and when I made contact with someone, the call dropped and I was not contacted. It took me XXXX hours to get in touch with someone again. 
In between making contact, I was placed on a queue and then the call was dropped again. 

I finally made contact with someone again and requested to speak to someone with to whom I might express my concerns regarding my efforts and inability to get in touch with anyone. That person asked that I hold and the call was terminated. I called seven times. I was on hold several times and easily spend five hours making a concerted effort to make any sort of contact. There is no email options for people like me who may not have an account with Fed Loan, though work with Fed Loan for the PSLF. 

Additionally, Fed Loan indicated that they sent a letter in the mail- I have not received such letter and there is a significant delay in any contact, which can affect the outcome of my loan forgiveness. I consider myself a patient person and the institution fails the client - not the workers, rather the system there itself. It's embarassing.
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2022-06-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (FL)

Hello. I hope this message finds you well. I write because in XX/XX/2020 I entered a covid forbearance plan. However, while on the plan with servicer # 1 I made payments of {$14000.00} and then made payments to the second servicer of {$16000.00} for a total of over {$30000.00} to both servicer out of the {$37000.00} total to be paid according to the statements rendered by both servicer. Unfortunately, I am unable to get out of forbearance because in order to do so, I must agree that I owe an additional {$17000.00} ( according to the partial claim delivered for my execution by servicer # 2 ). I am not sure why my past due balance is {$17000.00} when the difference between what I paid and what I should have paid is only {$6300.00}. I would have expected to find an escrow overage. However, I have just been informed that all that is left in my escrow account is less than {$3000.00}. I would very much like to exit forbearance but unless I agree that I owe an additional {$17000.00} that is not an option. I have asked both mortgage servicers to explain this discrepancy but rather than answer my direct questions they continue to send and refer me to payment histories which are not helpful in explaining this discrepancy. Please help. I may be reached at either XXXX, XXXX or XXXX. Thank you so very kindly for all your assistance in advance. With warmest regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-13
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. (NC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, and XXXX & XXXX XXXX XXXX have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-13
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. (FL)

In accordance with the Fair Credit Reporting Act XXXXXXXX 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 XXXXXXXX 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 602 A. Also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-09-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XX/XX/XXXX I submitted a request via mail asking the credit bureau to look into specific accounts reporting on my credit as they contained information that was incorrect. After 60 plus days, the information came back verified. I then sent out a letter in XXXX specifically asking for METHOD OF VERIFICATION of those accounts. As I have attempted to reach out to the creditors myself via phone, mail and other sources. 

XXXX, after doing a through investigation was not able to verify any of the accounts. They were DELETED, and the 2 that were able to be verified correctly updated the information requested and fix the problem. All Creditors report THE SAME information to each bureau. SO, no discrepancies should be in my reports. 

XXXX and TRANSUNION both CLAIM to have verified the accounts. But I requested my CREDIT FILE via 609 letter and method and have received nothing. It is against my FCRA, FCDPA, AND FTC rights to have a accurate representation of myself with creditors. When you have these XXXX companies reporting outdated information or incorrect information it reflects when I apply for new credit. 

I am attaching the SPECIFIC letters I sent and verification I sent to the creditors and request that this information be verified by credit file on it be sent over to me or DELETED, because I have requested the information twice and received nothing pass the 60 days needed to do a through investigation. 

Because on XX/XX/XXXX, I sent a letter out for the 3rd time specifically detailing how they kept verifying collections that I previously sent them factual documents that were proof it was paid. It was not until I filed an CFPB complaint after the collection companies could not produce sufficient documentation to me, they deleted it. 

I furthermore, contacted XXXX and spoke with a representative named XXXX, who tried to inform me that their method of reporting is correct. When I pointed out the discrepancies in their reporting and updating information to cover up not properly investigating. I received an email update to my personal information that I never requested and is not a means of verifying nor did I request a phone dispute. I requested to get my documents only and verify they received the correct letter. She refused to address my specific question and was told a supervisor would contact me. I have moved forward with contacting my Attorney General, as both companies were previously sued for the same claims in XXXX. I am requesting it be verified and information sent over, or I will pursue legal means of getting the corrections made and violations paid out due to the stress is causing me to obtain credit for things I need. 

see attachments.
Consumer complaint received 2020-12-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On XX/XX/2020 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 Im being ignored and disrespected. Section 611 ( a ), plainly states that failure to investigate these items with in 30 days gives a reason to immediately remove these items from my credit report. I demand these accounts be deleted immediately other wise I will file litigation due to the stress and lost of income that this bad credit rating caused me. Per my attorney my information was impacted by the Equifax data breach and this may be the way my information got into the wrong hands
Consumer complaint received 2019-03-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc. (NM)

EOS CCA- XXXX is reporting on my credit report without every notifying me of this debt. They posted it to my credit and when I saw it I contacted them immediately. 
I didn't even owe the debt because the item was returned! 
I would have disputed it if I had received notification. 
I don't see how they can just put whatever on your credit without contacting you. 
My attorney will be the next contact as he advised me EOS violation. 
I served our country and this is ridiculous.
Consumer complaint received 2019-08-20
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. (IN)

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-10
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: CORELOGIC INC (AZ)

On XX/XX/2018, my wife contacted XXXX XXXX to get a preapproval for a home loan for us. She was told that in order to get that done, they will have to pull her credit. She is well aware that I dont want my credit pulled again. She gave her information and they pulled her credit and they pulled mine. She did not give the consent to pull mine. They even got my name wrong on the credit pull. They just use my first name with her last name assuming that we have the same last name. We tried to get it the pull removed but they say my wife should already know that pulling her credit means pulling mine too. They reviewed the conversation and true, they cant find the consent from my wife. They must have used the number from the old file to make the pull. Weve been in contact with the executive office and when she told us that, we requested that she put it in writing but she refused to do so.
Consumer complaint received 2022-06-13
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Phoenix Asset Group LLC (SC)

XXXX XXXX, phone # XXXX collecting for https : XXXX called repeatedly, called my family members about me and was verbally abusive when I asked him to stop calling me and my family. He is an unprofessional, abusive bully that has no idea how to help someone.
Consumer complaint received 2022-07-21
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. (NC)

This is myXX/XX/XXXX letter submitted to you informing you that I am a victim of identity theft and I complain to question this items in my file occurred because of some negligence. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, impede the noteworthy of any information in my credit file that surfaced due to alleged fraud : XX/XX/XXXX
Consumer complaint received 2019-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

My USAA ATM/ debit card was canceled due to a mass re-issuing done by the company ( USAA ). I  recieved no texts or phone calls warning me that my card would be canceled. The newly re-issued card was lost in the mail but USAA canceled my current ATM/ debit card without telling me. I now have no way to access my funds and will be without money until approximately Tuesday, when the new card is supposed to get to me according to the customer service representative. USAA has shown very little concern for my issue or my general well-being considering I rely on this ATM/ debit card to make everyday purchases. 

Please note that my old card was fine. It wasnt expired, lost or stolen. The mass re-issue was initiated by the company and the old cards were all canceled without warning.
Consumer complaint received 2021-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (CA)

I authorized a moving company to charge a {$100.00} deposit for moving services to reserve equipment and staff availability on the day of my move. The move took place and a dispute arose regarding the completion and performance of the work requested. At the end of the service, no invoices or statements were tendered to me for approval or payment. Subsequently XXXX charges appeared on my on-line credit card statement totaling in excess of {$8000.00}. These charges were made on my account by the moving company without my knowledge or authorization. I promptly notified my bank, the issuer of the credit card, of these fraudulent charges and filed a written complaint. Additionally I sent a letter to the moving company explaining the matter in detail and requesting that they contact me so that we could attempt to resolve the matter. The company never responded to my correspondence. I worked with the banks case XXXX to provide additional detailed information about the matter and submitted it all in writing. I was advised by the case XXXX that the moving company responded to the bank providing a copy of a contract and invoices, all of which bore my forged signature. I have never seen any of those documents until they were provide to me by the bank. I explained all of this in writing to the case XXXX. I received correspondence from the bank today advising me that it could not assist me in resolving the dispute as I received the services represented by the transaction. This is not true and is solely based on the fraudulent and forged documents created by the moving company on which to base its representations. Neither the bank nor the moving company addressed or mentioned the issue of the fruadulant credit card charges. The bank has no entered the charges and final and owing on my credit card account.
Consumer complaint received 2018-04-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

In 2014, I was unemployed and collecting unemployment from XXXX. My federal loans were never registered as in deferment, despite me initiating paperwork to get them deferred. i entered default and have been fighting to get the lates removed for years. Since my loans were in deferment, there should be no late payments on my accounts. This is completely unreasonable.
Consumer complaint received 2022-06-13
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: EQUIFAX, INC. (CT)

Equifax is not reporting the proper amount of available credit on my credit report. They are missing credit cards, loans and the length of credit history is also wrong as is the amount of available credit and total number of accounts. I have Two XXXX XXXX cards and only one is being reported on my credit report, I also have loans that are not being reported on my credit report as well. This time I will include proof instead of just typing a complaint as Equifax did not even read my last complaint and you closed the case without my issue being addressed. How this company stays in business is beyond me. They probably run these complaints through E-Oscar looking for key words because whoever responded to my last complaint, did not read it and/or lacks reading comprehension skills. How can XXXX XXXX and XXXX have the correct account information but Equifax have everything wrong??? If I have to sue them in court, I will. Attached is a copy of XXXX XXXX, XXXX and Equifax 's overview of my credit reports. You can see the enormous discrepancy Equifax compared to XXXX XXXX and XXXX. XXXX and XXXX XXXX are reporting correctly as Equifax is not at all, on anything!!!
Consumer complaint received 2022-06-13
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)

Account Was Deferred/Extension Granted For 2 Months ( XXXX XXXX, XX/XX/2022 ). 
However, I Notice 1 30 Day Marking On XXXXXXXX XXXX While Extension Was GRANTED. 
I Did A Dispute w/XXXX, Equifax + XXXX. 
XXXX Has Now PUT XXXX & XXXX XXXX 30 Day Mark Dispute Results : Remove ONLY XXXX But Added XXXX. Month Of XXXX Pymt Was NOT Even Due. 
Contacted Creditor XXXX XXXX XXXX, Senior Account Specialist Stated They Were Unaware Of Any Chge And Stated To Contact Credit Bureau. 
XXXX 30 Day Marking XXXXXXXX XXXX Equifax 30 Day Marking XXXX XXXX I Sent Documentation From XXXX XXXX XXXX - Deferment/Extension
Consumer complaint received 2022-10-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

Paypal refuses to close my account. I have already payed my debt with them and I'm clear and free, and they keep saying they will not close my account. I have spoken to many agents including supervisors, and I keep getting a different excuse every time I call. They have openly refused to close my account and Id like to end my relationship with them, they are creepy.
Consumer complaint received 2018-04-10
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 — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (NY)

In XX/XX/2014, I was unemployed and collecting unemployment from XXXX. My federal loans were never registered as in deferment, despite me initiating paperwork to get them deferred. i entered default and have been fighting to get the lates removed for years. Since my loans were in deferment, there should be no late payments on my accounts. This is completely unreasonable.
Consumer complaint received 2023-03-23
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. (MS)

XXXX XXXX XXXX and experian have not been completely moving old accounts from my credit report and even ones I submitted on there website stating those things werent mine but never got responses and I want them removed immediately and automatically because its a brand new year and I submitted and complained last year to only still have those things on my report something I dont recognize on my report as well
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX The debt collector has never provided me with documents from the original creditor showing that this debt belongs to me. Obviously, there is no paperwork to support that this debt belongs to me and therefore it must be removed from my credit report. Further more the debt collector has reported that this is a new debt opened XXXX. The same account showed up on my credit four years ago and the collection agency could not prove this debt belongs to me so it was deleted. It reached the statute of limitations. Account status is open and open balance of XXXX. Please remove this account in accordance to The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., You must report accurate and complete information.
Consumer complaint received 2018-04-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Arcadia Holdings, LLC (CA)

FIRST AND FOREMOST THE DEBT IN QUESTION IS REGARDING MEDICAL DEBT! As a Medical Debt it falls under the provisions of HIPPA Laws and FDCPA. I never in my sober and contious state of mind ever gave my permission for my medical records to be disclosed as i know under HIPPA laws .... Can only be accessed via a court order by a judge or I myself give written authorization to realease my medical history or any documents related to medical treatments!!! Required by the XXXXealth Insurance Portability and Accountability Act, 45 C.F.R. Parts 160 and 164. 

XXXX XXXX XXXX XXXX .Has willfully and maliciously broken FDCPA LAWS AND HIPPA LAWS. LET THAT BE CLEAR!!!! how you ask? easily- fdcpa 808 ( 1 ) under unfair practices of collection of debt clearly states : The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. A CONTRACT IN OTHERWORDS ... 

AS STATED IN THE BEGINNING I NEVER GAVE THESE CROOKS ACCESS TO MY MEDICAL INFORMATION, OR UNLESS THEY GOT A COURT ORDER I DONT KNOW ABOUT!??? how then are they adding interest to an alleged debt, WITHOUT HAVING THE INSTRUMENT/CONTRACT, MEDICAL FORMS THAT CAUSED THE DEBT? 

ILLEGAL, UNLAWFUL, AND DECEPTIVE MEANS HAVE BEEN USED AND I FULLY INTEND TO SUE FOR TWO COUNTS OF DAMAGES MADE UNTO ME! 

BE AWARE I INTEND TO SUE YOU, I WILL TURN ALL THE FOLLOWING DOCUMENTS TO COURT CLERKS AND SEEK IN DISCOVER MOTION the instrument/contract you used to add interest to this alleged debt. Unless your willing to falsify documents, perjure your whole company, and lie in front of a judge then by all means let 's go to court. ill pay my {$50.00} filling fee to serve you a court summons.
Consumer complaint received 2023-03-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (NY)

On XX/XX/18 @ XXXX XXXX $ taken out of my account via XXXX Citibank was contacted right away to file a claim about this unauthorized transactions. 
After their investigation, which I was not able to obtain, it was decided that transaction was legitimate