davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Accounts Service Team Inc. (SC)

Notified on XXXX by credit monitoring that a new collection was on my XXXX report from Financial Account Service Team for {$250.00}. I have never received any notification from this company or the original creditor about this debt in writing, phone call, or any other correspondence. I have not received any verification of this debt. I have lived at my current address since XX/XX/2021. Change of address was completed by USPS. I have received any and all mail, bills, etc... forwarded from previous address, including legal documents from a probate case in Virginia. All forwarded mail had yellow forwarding address label attached stating that sender was notified of new address, but nothing ever received from either company in this collection matter. I demand that this company delete this file from my credit reports because they have not lawfully supplied me with any chance to dispute this claim before reporting to credit bureaus.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. I am absolutely upset that you guys would break the law like this. 

XXXX XXXX XXXX TransUnion XXXX XXXX inaccurate account 1 XXXX  XXXX XXXX TransUnion / XXXX inaccurate account 2 XXXX XXXX  XXXX TransUnion / XXXX Inaccurate account 3 XXXX XXXX  XXXX TransUnion / XXXX Inaccurate account 4 Us dept of Ed XXXX Inaccurate reporting on all 3 bureaus Account 1 Us dept of Ed XXXX Inaccurate reporting on all 3 bureaus Account 2 Us dept of Ed XXXX Inaccurate reporting on all 3 bureaus Account 3 Us dept of Ed XXXX Inaccurate reporting on all 3 bureaus Account 4
Consumer complaint received 2019-03-19
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. (LA)

Equifax and XXXX are reporting incorrectly that I am 120 days past due on loans with the XXXX - partial account numbers XXXX ; XXXX ; XXXX ; XXXX These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2022-10-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (VA)

Im trying to determine the date that my request was submitted to TREASURY and the amount as well. I call Nelnet almost weekly, and they cant give me a correct date and amount. Sometimes I get XX/XX/XXXX, XX/XX/XXXX, XXXX and they never give me the amount. When I first called and made the request, the customer service did not give any information of what was actually submitted. 

My initial call was on XX/XX/XXXX, and within that time I have convinced a few of my friends to request as well. They have requested mid-XXXX and early XXXX. They have already had their balance reinstated and some have gotten their checks already. Im wondering if my request has not been fully submitted or if its been sitting on somewhere. My first call has been ten weeks already.

I want to know the date it was submitted to Treasury or whoever is in charge of the reinstatement, and I want to know the amount the original customer service person requested.
Consumer complaint received 2020-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (KS)

I have been unable to log into the online portal where I make my loan payments for 2 months now with PHH Mortgage. I have downloaded XXXX and updated my XXXX XXXX as they suggest and still cant get in. This is a common issue and there are blogs all over the web with other customer who are having the same issue and gettin delinquency notices. I will be 3 months behind at the beginning of XXXX. Please help
Consumer complaint received 2020-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

There is a XXXX XXXX XXXX XXXX account on my credit report showing a payment history of charged off the account was never late and paid in full I have proof from XXXX  XXXX but after several attempts the bureau continues to report negative payment history and incorrect information
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (OH)

I had XXXX accounts with Self Lender that I paid off early. The first account I paid off within XXXX months of opening due to serious medical conditions. I wanted to avoid late payments. The second account I paid off in full on month XXXX as I had a funeral to pay for. In which both accounts are reporting a late payment the month after I paid it off ... for the past XXXX years. 

I have tried to call Self Lender... however without an open account you have to mail in any questions or concerns. I have mailed my request in and submitted disputes with all XXXX credit reporting agencies. I am now requesting assistance from CFPB.
Consumer complaint received 2023-01-04
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00}
Consumer complaint received 2020-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

There is a XXXX XXXX auto auto finance loan showing on my credit report it does show a XXXX  balance but shows as a collection charge off account paid after dispute this information is not true the account was never late and paid off with XXXX balance I have disputed however credit bureau responds as verified but doesnt update payment history or status
Consumer complaint received 2018-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (FL)

In XX/XX/2018 I completed a lease on a XXXX vehicle for the full term of the lease of 36 months. Each payment was made on time and the lease was reported in XX/XX/2018 with no balance and paid as agreed. I received a bill in XX/XX/2018 for XXXX which was money owed on the car for excess mileage, and lease disposal fee. In XX/XX/2018 XXXX XXXX reports the lease with a balance of XXXX and pays as agreed. Then on XX/XX/2018 Hyundai reports the lease as 31-60 days late. How can this go from XXXX to XXXX is paid on XX/XX/XXXX, and then is reported on XX/XX/XXXX as 31-60 days late. Also I have had leases in the past with Hyundai and the reporting of the lease has always been for the payment terms, not the end of lease charges. The end of lease charges have been paid as the document attached shows. This is not fair to a good customer who has always made their payments on the lease on time. 
This is not correct the terms of the lease for 36 months were paid on time. I paid the XXXX on XX/XX/2018. I check my credit bureau on XX/XX/XXXX to show the reporting on this account with Hyundai is now showing pays 31-60 days late with a balance of XXXX. This is not correct the account should show paid as agreed with a XXXX  balance. I have always paid this account on time with the payments over the 36 month term. An end of lease charge should not be rated, and the balance has been paid. 
I appreciate your help in getting this credit bureau reporting corrected to show the account as paid in full, and pays as agreed.
Consumer complaint received 2023-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION (PA)

Hello every since Ive had this account it hasnt been nothing but problems and the debit cards I was unable to use they kept declining and the bank hardly did anything every time I turned around I had unauthorized transactions on my account I had bring it out the negative several times in order to use the account I got so bad I had to remove my XXXX check from them because every month I owed them and over draft fees the only reason I went back because my rent rebate was scheduled to go in and I pull the account out the negative again this time theyve blocked the account without warning and shut down my debit leaving me with no access to my funds they owe me hundreds of dollars thanks for your help
Consumer complaint received 2021-12-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unique Management Services, Inc (NJ)

This company has violated my rights and has not responded to the demands imposed upon them from my cease and desist. They have contacted me without my written consent or the expressed permission from a court of XXXX XXXX. That's a violation. Also, they clearly stated that they were in the debt collection business by using logos on the letter they sent. They also stated such amount of debt is owed which is another violation. I have been taken advantage of this debt collector and they have been using unfair practices to collect an alleged debt. I am in complete distress
Consumer complaint received 2018-04-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC (LA)

The company Phoenix financial, first called my family. Then they called me and requested social security number by phone. I dont acknowledge this debt and if I did do not have the money to pay it. The guy said they would no longer call. Today, a lady calls from two different numbers with my area code so I would answer the number. I tell her I dont acknowledge the debt, and her response was okay we will post it on your credit ( threat ). Oh by the way, I have never received written notification of the debt.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2019-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

A checking account was opened at XXXX XXXX XXXX in XXXX Florida Ive never lived in Florida. My birthdate, phone number, and email used to open this account is incorrect. Someone stole my identity and opened this account without my permission.
Consumer complaint received 2018-04-12
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 — Problem with personal statement of dispute
Company: Colony Brands, Inc. (NE)

I have disputed an account with XXXX XXXX dated XX/XX/XXXX for account # XXXX, requesting any all documentation bearing my signature. Which they failed to do. However in their reply I received back from the company, it shows last payment date of XX/XX/XXXX, along with a transaction summary regarding a completely different account number and name on it. I have also disputed the three credit bureaus which say the account has been verified. I demand that this account be removed from my credit file immediately,
Consumer complaint received 2020-01-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

Complaint being reinstated since American Education Services ( AES ) does not believe the information I have provided. I am including an example of their customer service representatives interaction. I believe that AES is basically calling me a liar since they denied all the information I detailed in my complaint. 

I have been removed from American Education Services ( AES ) borrower benefit program ( BBP ) that reduces interest rates by 1 % after 36 months of on time full payments unfairly and due to AES steerring me away from their automatic direct debit payment program. I was removed from the program due to a payment that was a few weeks late and a payment that was {$94.00} short of the payment since I was looking at an old bill. Had I been enrolled in their automatic debit payment program like I wanted to I would not have missed these payments. I was steered away from their automatic debit payments due to incorrect and misleading information. It is my belief that AES will not let customers that are trying to get into their BBP set up automatic debit payments since this will make it mush easier for them to qualify for lower interest rate. I was told in XX/XX/XXXXthat I could not set up automatic direct debit program to pay more than the minimum payment. I wanted to pay more to pay my loans off sooner so I did not set up automatic direct debit payments at that time. I again questioned automatic direct debit payments on XX/XX/XXXX and was told that " Unfortunately the lender does not allow a paid ahead status '' and I could only make minimum payments using automatic direct debit payments and would have to send two bills to make extra or over payments. Since then I have found out that I can pay any amount over the minimum payment. AES continually gave me incorrect and misleading information. I have e-mailed AES customer service over 6 times the past 3 months with out any reply or a response about the incorrect information I was given. The continue to not take responsibility for their actions in this circumstance and have denied my request to honor the 1 % interest rate reduction I should be qualified for since XX/XX/XXXXthat has resulted in 10 years of AES collecting higher interest rates from me unfairly.
Consumer complaint received 2021-12-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

On XX/XX/2021 I opened a XXXX Bank Account ending in XXXX with Bank of America XXXX XXXX XXXX XXXX number is XXXX her email is XXXX We received XXXX bank statement that said Deposits for the month of XXXX were {$38000.00}. ( As seen in attached ). We then had a few transactions that were not processed correctly on our clients side ( XXXX XXXX XXXX XXXX ) and therefore caused Bank of America to " close '' our business account ending in XXXX. The " Account Closed Transaction '' amount is {$18000.00} ( as seen in attached ). We received a letter dated XX/XX/2021 that the account ending in XXXX is closed & " ... [ funds ] ... won't be returned to you. As permitted under our XXXX agreement, we've frozen the fund while we review the transactions and validate the source of funds. '' On XX/XX/2021 ( as seen attached ) we sent a Demand Letter from our XXXX XXXXo Bank of America XXXX Bank XXXX XXXX address XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX & never received any response or correspondence. 

As of today XX/XX/2021 they, Bank of America, have not released the amount of {$18000.00} due to us & therefore has caused financial stress & hardship on me, my business, my clients & my employees. I am filing this complaint because they have closed the account ending in XXXX & have held my funds for an excessive 68+ consecutive days.
Consumer complaint received 2018-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Guild Holdings Company (CA)

I have a late reported on my credit report. This is for a property I own that was in escrow. Had the escrow closed as planned, there would have been no late issue. What happened is that the buyer, literally at the last moment, at the closing, decided to back out of the transaction. I had taken the property off of auto-pay knowing that the mortgage balance would be paid in full when escrow closed. In the days that followed, as I was trying to find out why the buyer had backed out, I forget to put the mortgage back into auto pay mode. I was surprised when I received the late notice and called the bank. I spoke with their customer service department. I told them I was surprised by the late payment. They looked at the file and said 'this was in escrow, correct? ' It dawned on me then what had happened and when I asked for some consideration, noting that I had never been late before, the customer service person was very dismissive of my request saying something like " no, you were late and that's just the way it goes. '' Yes, it was in fact late, but given the circumstances, which the bank knew about, I do think they could have exercised some discretion rather than damaging my credit score.
Consumer complaint received 2022-06-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

For months Capital One Bank has been mentally abusing my family and I, with every check deposit being a pro-long hold on my funds. always have to call and ask why this long wait on my checks and even cash deposits. Made a Credit Card payment and it's on hold for 26 days, Checks on hold for 6-9 Days, I have even had a Cash deposit on hold for 7-10 business days. 
When would call in the Customer Service, they would reference how there are so many restrictions on my account. Made a deposit with a teller in XXXX XXXX, NY where he said straight up, " Capital One don't want your business, go find yourself another Bank Bro ''. 
my debit card had a hack to it, they cancel my card and the agent was to send me a new card in 3 to 5 business days, 3 weeks after no card replacement.

The abuse Capital One Bank unleashed at me and my family is unreal. 

The frustration got to a point where I asked an agent if they wanted me to be violent? 
But as the script they read from states, " We understand your frustration, we are doing everything we can to help '' I ask to Close my account and they refused to, so I stop using the account and on XX/XX/XXXX I called in and closed my account. The agent said the check will take 7 to 10 days for me to receive my balance on my account in the form of a check. 
Today is XX/XX/2022 and still no check. After a follow up call the first agent, he said that's why I have so many restrictions and them closing my accounts, For me asking him why after a month they fail to process my request and send my money to me. 
They XXXX a letter to me forthwith but failed to send me my money.
Consumer complaint received 2020-01-30
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. (IL)

file ftc report on fraud account ftc report number XXXX sent to all three credit buearu they removed account from derogertory and placed it as closed but derogertory would like account removed and blocked company name XXXX XXXX DATE OPEN XX/XX/2015 AMOUNT THEY SAY I OWE {$420.00}
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm writing in response to a complaint file XXXX. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of [ XXXX XX/XX/2019 ] on Account : XXXXXXXX XXXX XXXX XXXX XXXX. On my XXXX. I have NO late payments which is CORRECT, but on my TransUnion and XXXX its showing different days which are NOT correct. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I filed a dispute and the investigation in regards to the incorrect information on my credit report. It took more than 30 days and I have not received any investigation results.
Consumer complaint received 2018-08-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

Carrington Mortgage company is threatening to forevlose and they do not have my records of past mortgage that was transfered to them by XXXX. I was assured in communications all my documents would b sent. I was granted a 60 day stay / grace period due to transfer. Carrington is failing to accomodate their own words. Carri gton threatened me with un official certified mail in an attempt to threaten me. It is NOT CETIFIED MAIL. I contacted the USPS and they assured me it is an envelope to resemble threat of official letter