davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Premier Student Loan Center (NY)

I was called several times by " Premier Student Loan Center '' and one day I actually took the time to listen. They informed me after an hour phone call and digging into my loans and work history, that I was eligible for " Obama 's Loan Forgiveness Program. '' I heard about this and thought that I didn't qualify since I work in XXXX/XXXX and not for the government or a non profit sector. They took about 20 minutes and returned to tell me that I was approved despite my work field. I was told that 73 % of my total loan was forgiven and I would have to pay the balance to them plus fees to file the application resulting in {$190.00} for 6 months and {$80.00} a month for 240 months. Similar to paying a tax attorney to comb over your taxes, I proceeded. I was initially excited and thought that my loans would be paid and the decrease would significantly help me financially. The application takes 30-90 days to process and almost a month later I checked to see if my loans still showed up on my credit score, and they did. Contrary to what I was told the loans would be paid in full and reflect a XXXX dollar balance. I called my loan officer who informed me that I didn't actually qualify for the program and that you have to make 120 payments to even apply, I made 0 thus far having just graduated. They also said that an application was never processed in their system. After researching scams I learned that this company and others like it never submit your paperwork and collect money from you while your loans sit in forbearance. I am sure many people catch this over time as the government will notify you of this, but normally by then you have shelled out thousands of dollars. Luckily via my friends urging me to look even further into it, I made one payment and reported that as fraud to my bank. I currently have a lawyer looking over the paperwork so that legal documentation can be drafted to dismiss the contract due to their services never being rendered. If you receive these calls or find these sites, STAY AWAY. If you work for the government or a non profit you can simply sign up online for free after making 120 payments. If you were a victim of this scam, change your card numbers immediately, contact your bank about the fraudulent charges, save every email from said company, and contact a lawyer! Don't fall prey to the scams of the world!
Consumer complaint received 2021-06-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Citizens One Home Loans is refusing to review documentation I sent them proving my financial hardship is over and blatantly lying to me, and the department of housing and urban development. 

Their loss mitigation team claims the PDF 's I sent them are " password protected. '' I CC 'd a local branch manager on the email I used to submit them. 

I went into the branch today and he opened them in front of me at the bank today. They were not in fact password protected. 

I called loss mitigation on a recorded line with a Housing and Urban Development Counselor and we phoned in the branch manager, asking if they had a fax machine I could fax these documents on. 

There is a recording of the branch manager saying the documents were not password protected, and the call center employee saying his back end team could not review the SAME documents because they were " password protected '' It is not possible for the three PDF 's to be both " password protected '' and not " password protected at the same time '' They have been lying to me and giving me the run around for 12 months now. I have been calling loss mitigation non-stop and they give me a new scripted excuse as to why no one is capable of taking 15 minutes to review my file.

I am going into citizens bank tomorrow to fax these documents to the five fax numbers I was given today, but I have no reason to believe they will actually admit to receiving these documents, since I have uploaded them eight times on both their website and email over the last year and every time I call there is a new excuse for why they are unable to give me any information. 

This is organized white collar crime, they are holding my mortgage XXXX  and this needs to end. I will be filing a much more detailed complaint later this week. I need help.
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (TN)

I do not know how this works, but I need it done or somehow corrected. My name isXXXX XXXX, XXXX XXXX XXXX XXXX TN XXXXMy SS XXXX DOB XXXX. I had some issues with my income being affected by the XXXX19PANDEMICSHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRAsection 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. US DEPT OF ED XXXX # XXXX, # XXXX accounts are reporting on XXXX, XXXX The was 30,60, 90 DAYS LATEsince requested assistance due to the pandemic. I found a few accounts that I have never done any business with these companies and the accounts do not belong on my report : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. 
I have some issues with the misspelling of my name, my correct spelling is XXXX XXXX. Please remove any other variation of my name they are not correct. The following addresses do not belong to me please delete them : XXXX XXXX XXXX NC,XXXX,XXXX XXXX XXXX XXXX XXXXNC,XXXX,XXXX XXXX XXXX XXXXSC, XXXX XXXX XXXX XXXX NC,XXXX,XXXX XXXX XXXX XXXX NC,XXXX,XXXX XXXX XXXX SC,XXXX
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I AM A LIVING PERSON PLEASE DONT CLOSE OUT MY COMPAINT WITHOUT FULLY INVESTIGATING. I NEED PROOF AND DETAIL INFOMATION OF INVESTIGATION. 

15 USC 16819 ( i ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
Consumer complaint received 2021-06-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collections Acquisition Company, Inc. (KY)

ON XX/XX/2021 I CONTACTED PAYLIANCE THAT HAS REPORTED 2 FRAUDULENT ACCOUNTS ON MY CREDIT REPORT AS COLLECTIONS WHICH ARE NOT MINE. I HAVE DISPUTED WITH XXXX BUT THEY HAVE YET TO REMOVE FROM MY CREDIT REPORT. I HAVE SENT PAYLIANCE A LETTER AND MY IDENTITY THEFT REPORT OVER 2 MONTHS AGO AND I HAVE YET TO HEAR FROM THEM. THESE FRAUDULENT COLLECTION ACCOUNTS HAVE CAUSED ME SO MUCH GRIEF AND HAVE HINDERED ME FROM OBTAINING CREDIT. THESE FRAUDULENT ACCOUNTS NEED TO BE REMOVED. 
I LOOKED UP THIS COMPANY PAYLIANCE AND THEY HAVE SEVERAL COMPLAINTS WITH THE XXXX FOR ADDING THESE FRAUDULENT ACCOUNTS ON CONSUMERS CREDIT REPORTS.
Consumer complaint received 2019-07-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MoneyLion Inc. (VT)

On approximately XX/XX/19 I opened up a checking account at MoneyLion under their " Pave the Wage '' promotion. The terms of this promotion are here : https : //get.moneylion.com/pavethewageterms/ After I opened the account, I " opted in '' to the promotion on their app by moving the button to the right on the pop up screen that asked if I wanted to " opt in ''. ( I actually opted in to the promotion on the app 3 times!. In retrospect I believe that their app was not functioning and did not record me as opting in ). 


I complied with all the rules of the promotion by sending my payroll direct deposit to MoneyLion for over 90 days. 


Since I, in good faith, complied with all of the terms of the promotion, I was expecting a bonus in the amount of {$270.00} ( 17 % of my initial qualifying direct deposit of {$1500.00} ). 


In short, I complied with all of the terms and opted in appropriately. I should not be excluded because MoneyLion 's software was not functioning properly. 


I called MoneyLion on XX/XX/19 and they are representing to me that I did not " opt-in '' to this promotion and I'm not on the " list '' to receive the bonus. 


I complied with all of the terms of this promotion and, in good faith, opted in ( several times! )
Consumer complaint received 2023-07-05
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)

There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.
Consumer complaint received 2022-12-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Global Asset Agency, Inc. (FL)

My father received a voicemail on XX/XX/XXXX from someone saying that they were looking for me and that it is regarding an order that was submitted to their office and that the voicemail serviced as a notice of legal action and that I needed to call them to provide my home address or my work address and they referenced a reference number and the phone number which to call them. I called because I was wanting to know what it was all about. Spoke to someone and they were really nasty and said that I owed for a phone purchased back in XXXX. I said I was unaware of owing anything to anyone and I have not received anything in the past 7 years. They kept badgering me about whether or not I purchased a phone and I kept saying I dont remember. They then told me that if I dont pay that they would sue me. They never provided me with information of them trying to get in contact with me or anything.
Consumer complaint received 2019-07-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (FL)

National Credit System failed to contact me about the debt they have allegedly ascribed to my name. I never received a phone call, any mail, nor other written notice - I had no idea this existed. I am currently in the process of validating the debt after I discovered it via checking my own credit report independent of any formal notice from National Credit System.
Consumer complaint received 2021-06-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (GA)

The aforementioned credit agency representing XXXX XXXX XXXX has violated the FCRA by not providing me documents to me in regards to this debt and my HIPAA rights because I do not recall giving permission to even release my medical information to them. This account is unverified and immediately needs to be deleted from all my credit files : XXXX, XXXX, and XXXX. The business is to disclose to me ALL signed documents they have recorded and retained in their files that pertain to this debt. If Credit Bureau Association does not have any documentation, they need to retract this from my credit file immediately
Consumer complaint received 2019-08-21
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: Green & Sons Agency, Inc. (UT)

Outsource Receivables # XXXX is reporting a collection on my account that does not belong to me. I have not gone to any medical recently and not during the time that this is reporting, nor did I get anything sent to me indicating this could be mine. I do not owe this debt, the collection is not mine.
Consumer complaint received 2021-06-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

Section 489.128 - Fraud Contracts and unlicensed perform work on property without the proper permit. Non-permitted constructed. violated the building code. REQUIRED FOR TWO STORY HOME on XXXXxXXXX lot .Violations of building code. perform non-permitted construction work. Violated building codes, unlicensed contractor without pulling building permits, plumbing permits or electrical permits pulled. The XXXX sq. ft. XXXX XXXX SUBDIVISION, TWO  story building on sets on XXXX  X XXXX  LOT. WITHOUT variance or permits. The local governing body of the county or municipality may enforce codes and ordinances against unlicensed contractors under the provisions Florida Constitution SECTION 4XXXX home XXXX bed, XXXX bath property. This home was built in XXXX and last sold on XX/XX/XXXX for {$600.00}. Property details, sales history and XXXX  data on XXXX. Location : XXXX XXXX, FL XXXX. Construction codes violated by inspectors and builders who failed not inspected to comply with any building or uprooted trees of environmental regulations. Contractor or and construction filed fraud false representation. Failing to comply with any building environmental regulations. or Violations of 4 of the constitution .lot XXXX x XXXX ft. Fraudulent documentation construction fraud, are generally regulated by zoning laws and restrictions maintained by local distance from a property line Legally, are not obligated to pay an unlicensed contractor. Not building according to blueprint and paying taxes on improper footages of property. 
Falsifying Applications and Invoices. Lot XXXX Construction Fraud, XXXX XXXX of XXXX XXXX Contracting Without a License. In addition, Unlicensed Contractor was paid {$25000.00}. According to Section 713.02 ( 7 ) of the Florida Statutes, an unlicensed contractor or subcontractor shall have no liens in their favor. This Fraud is Unenforceability shall not affect the rights of any other persons to enforce contract, lien, or bond remedies homeowner can generally file a lawsuit for damages. Homeowner experiencing setback violations is that the building or structure 1. Inflating Labor or Material Costs charge over {$120000.00}.. Accountability, Amendment 4 unenforceable under this section, no lien or bond claim shall exist in favor of the unlicensed contractor for any labor, services, or materials provided under the contract or any amendment thereto. U https : XXXX ...
Consumer complaint received 2017-01-18
Product: Credit card — 
Issue: Advertising and marketing — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I opened a credit card with fifth third bank that included an introductory bonus offer of {$100.00} for spending {$1000.00} in the first 3 months. I met the requirement and it was not paid so after a month I contacted fifth third bank. I was told the bonus would be paid within 6 to 8 weeks after meeting the requirement. I met the requirement over two months ago and the bonus has still not been paid. I would like the bonus to be paid.
Consumer complaint received 2023-02-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (FL)

On XX/XX/XXXX, I purchased my leased XXXX XXXX XXXX. At this time, I was not advised that my Auto-Pay would be turned off and that I would need to reset all my banking information. Over the last three months I've been under the impression that my payments were being made automatically. I did not receive an email because my paperless settings were also removed. Over the last three months I have been traveling between the New York, XXXX, XXXX, and Colorado and did not receive letters. XXXX did not call me to advise that a payment was due. 

This morning I received an email from the Credit Bureau advising I had missed a payment. I was completely shocked to see that it was XXXX. I went online and saw I was {$1400.00} past due and paid IN FULL IMMEDIATELY. At this time, the XXXX website is still not allowing me enroll into autopay. 

I called XXXX and they advised that since I went from a lease to a purchased vehicle I needed to have reset all my payment information. I had no idea that this was the case. If you look at my credit history, you will see I've never missed a payment in my life. I'm devastated that this happened and would like something corrected as soon as possible, please.
Consumer complaint received 2023-03-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TN)

I submitted XXXX waivers for prior employment that qualified during the waiver period on XX/XX/XXXX. The first waiver was processed. The second waiver, that was uploaded in the same file CONTINUES to be ignored. I called in XXXX and asked and the customer service representative said the form was correct and the XXXX qualifies. I worked full time, I made loan payments, I submitted the correct form. The identical form I submitted for a different employer on XX/XX/XXXX was processed and credited. The identical form that I uploaded in the same scan for Legal Aid of East Tennessee that took up the first two pages of the XX/XX/XXXX scan was processed and credited. She asked that I give them time to process the form. Nothing changed. 

I called in XXXX of XXXX. Same exact story. My form was correct, the employer qualified, please be patient as they processed the form. I type this on XX/XX/XXXX and STILL I am not credited for those payments. I am now an hour into a call with Mohela on Friday. This is utterly absurd. I should not have to spend this long calling and calling and calling. Waiting on hold with their insipid and poor quality hold music over and over and over. They get paid to process this - PROCESS IT.
Consumer complaint received 2022-10-15
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. (NV)

Complaint filed with XXXX XXXX, Equifax and XXXX regarding unauthorized and unverified accounts on my credit report. Information is misleading and goes against the FTC Laws ... FTC report filed due to information on my credit report that is not accurate. Report is attached please delete all reports.
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (NY)

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2022-12-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 EXPERIAN XXXX XXXX XXXX
Consumer complaint received 2021-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (NJ)

I was a victim of a scam, and my bank ( PNC ) has decided not to reverse the funds for a total of {$1300.00} which was through XXXX I tried going through them first before reaching out to this company
Consumer complaint received 2017-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After checking my TransUnion credit report, I found out that Trans Union has been including reports made to it by a company called XXXX since 2015. XXXX is currently reporting that I have an outstanding amount of {$710.00} due to its company and that the status of the account is " charged to profit and loss. '' XXXX is absolutely not a legitimate company. They are not licensed by the Florida Office of Financial Regulation to act as a consumer lender, nor are they a federally-chartered bank. The State of Florida  declares loans made at an interest rate greater than 25 % to be considered loansharking or usury and is a third-degree felony. This can be verified here : XXXX XXXX XXXX  XXXX charges interest rates in excess of 500 % annually. The company is operating illegally and in contravention to Florida law. I 've disputed the account to Trans Union already, and XXXX verified it as accurate. I can not see how it is possible that TransUnion allows an unlicensed, illegally operating entity to report information to it -- information which it then incorporates into reports it sells to third parties.