davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MS)

The company XXXX XXXX attempted to collect on a debt that was not mine and could not be legally validated pursuant to the FDCPA. This company has utilized two different collection agencies for an alleged account with XXXX XXXX XXXX.
Consumer complaint received 2022-10-20
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. (OH)

XXXX XXXX XXXX keeps saying that the home was not discharged in XXXX XXXX which it was per the BK Discharge and XXXX XXXX XXXX own attorney sent me back a letter stating such. 

Everything is attached plus the letter from their attorney I received today.
Consumer complaint received 2018-10-17
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. (CA)

On multiple occasions I have requested a dispute against the count XXXX XXXX XXXX that was sold to XXXX a collections agency, I paid and settled this item And asked all credit bureaus to update This item as no longer negative But paid / Settled All the other agencies except for Experian have complied with my request to correct the issue Experian continues to leave it incorrect Showing still owing when I have sent proof That it is paid and settled Im contacting the CFPB to help me in this matter Thank you
Consumer complaint received 2024-02-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

In XX/XX/XXXX the company underestimated my escrow amount, leaving a shortage of over {$6000.00} that I needed to pay in full, or divide over a 12 month period. I thought a mistake occurred, as they informed me that my next months mortgage payment would go from {$1100.00} to a little over {$2000.00}. This left me with less than 30 days to figure out how I would pay the difference. I called in XX/XX/XXXX to make a payment of {$1100.00} and see if the escrow could be divided into 48 months, until I could figure out if this was actually something I needed to pay. They never adjusted the escrow in XXXX. I called back in XX/XX/XXXX and was able to speak with someone who submitted the request. However, it was only divided in 24 months, which left the mortgage high, with no explanation as to why it could not be divided into 48mths. I requested the escrow to be divided in 48 mths again, but in XXXX they only divided into 36 months with no explanation. XXXX 's mortgage payment is still over {$2000.00}, as they did not include this amount into the 36 months to divide. This has stretched me thin to make XXXX payment of $ XXXX, XXXX $ XXXX and Marchs $ XXXX, as my mortgage increased too much in a very short timeframe. I have recently submitted a hardship until I can figure out my next steps and have this reviewed by a professional, as I have never heard of a mortgage increasing over {$900.00}. When I call the company they never give me a straight answer and have failed several times to submit my request, which has delayed me and pushed me closure to my deadline of XX/XX/XXXX, in which I have to bring my account current. The company will not accept any payment less than what I owe, therefore I have they to make a payment until my hardship is approved, or they will simply send my payment back to me
Consumer complaint received 2018-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

This is regarding XXXX XXXX who I have mortgage with since XX/XX/XXXX, and I have made all the payments on time since XX/XX/XXXX and not even a single payment was missing or delayed. 
I filed bankruptcy in XX/XX/XXXXfor misc credit cards which was discharged and my mortgage account was not part of my bankruptcy. But as I checked my credit reports from all three credit reporting agencies they are showing my mortgage account was also included in bankruptcy. Which is completely false and erroneous information and my mortgage payments are not reported at all which is being made on time for past 13 years. I called them numerous times and they are not properly handling my case and giving me run around. I am completely exhausted at this point and seeking your help.
Consumer complaint received 2018-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is regarding XXXX XXXX who I have mortgage with since XX/XX/XXXX, and I have made all the payments on time since XX/XX/XXXX and not even a single payment was missing or delayed. 
I filed bankruptcy in XX/XX/XXXX for misc credit cards which was discharged and my mortgage account was not part of my bankruptcy. But as I checked my credit reports from all three credit reporting agencies they are showing my mortgage account was also included in bankruptcy. Which is completely false and erroneous information and my mortgage payments are not reported at all which is being made on time for past 13 years. I called them numerous times and they are not properly handling my case and giving me run around. I am completely exhausted at this point and seeking your help.
Consumer complaint received 2018-08-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Ameritech Financial (PA)

I received mailings from Ameritech Financial stating that they could help lower my monthly student loan payments by filing paperwork with my loan servicer for Income Driven Repayment. From what I understood, I would pay an initial fee to Ameritech for them filing the paperwork, and then they would make payments on my behalf directly to my loan servicer. I began with Ameritech on XX/XX/XXXX and they withdrew their first installment of {$250.00} on XX/XX/XXXX. They made 5 more withdrawals of {$250.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX for a total of {$1500.00}. They then withdrew {$99.00} for the next 18 months for a total of {$1700.00} with the last payment being on XX/XX/XXXX. I cancelled payments at this time because I kept getting emails from my loan servicer stating that I had payments due. I was not satisfied with Ameritech " paying '' my servicer because I thought they were making late payments. At the beginning of XX/XX/XXXX I received a letter stating that Ameritech does not make payments on my behalf to my loan servicer. I logged into my loan servicer online and found out that because no payments were being made by Ameritech, {$5200.00} was capitalized to my loan on XX/XX/XXXX. I am filing a complaint because I believe that Ameritech was deceptive in how they advertised their loan repayment services and not only took money for services they were not completing, but caused me to have more than {$5000.00} capitalized to my loans for nonpayment of interest.
Consumer complaint received 2022-06-14
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2019-03-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (NC)

The issue is my student loans should already be paid off. Instead, I still have a {$37000.00} balance. 

The very first payment on all my student loans was set up wrong by AES. Ive requested information but have never received it. Ive requested an override but have never received it. AES is charging me 7.375 % and I should be paying between 1.75 % to 3.15 %. 

AES says my interest rate couldnt be dropped because I missed a payment. For 20 years my loan has been on auto draft and Ive not missed a payment. Online it shows I missed my very first payment. Ive asked AES to provide me documentation on this matter for over 10 years now and not once have they sent me any information. 

AES failed to set up my auto draft properly and is punishing me for it. Had my loans dropped to a lower interest rate my loans would be paid off at this point. Instead, I still owe over $ 30k of principal between 2 loans.
Consumer complaint received 2023-04-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. (NJ)

On XX/XX/2022 I received an email from a person claiming to be Professor XXXX XXXX from XXXX in regards to an open XXXX XXXX XXXX  role. I had previously shown interest in a XXXX XXXX XXXX role at XXXX XXXX XXXX as I was studying there at the time. I expressed my interest for being considered for the role by sending my resume to which they replied positively to and told me I was the most ideal candidate for the role and hired me. First thing they asked me to do was to buy a laptop and printer as they said I would require both for the role and proceeded to send me a check of {$2100.00} to buy the new equipment. The check was later discovered to be fake but when I scanned the check to deposit the money into my PNC bank account, PNC deposited the {$2100.00} to my account the very next day. After PNC deposited the {$2100.00} from the fake check in my account the scamster then asked me to send {$1100.00} and {$920.00} payments on XXXX to a person he said he had appointed as his assistant who would help me get the new equipment ( laptop and printer ). I sent him the money as to that person and later that evening discovered that I had gotten scammed for {$2000.00} after which PNC also proceeded to removed the credited {$2100.00} from my account leaving me with a negative account balance as I had less than {$150.00} in my bank account at that time. My complaint is that PNC Bank should not have deposited the amount from the fake check in my account in the first place for me to proceed with the next steps.
Consumer complaint received 2022-10-20
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 (SC)

I had a PLUS loan with Cornerstone that was paid off in XX/XX/2020. The loan was transferred to FedLoan. I have tried numerous times to get a refund of my payments made from XXXX and keep being told they have no information on my account. Federal Student Aid lists FedLoan as the servicer. FedLoan says they cant locate any information in the account.
Consumer complaint received 2019-03-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (MN)

On XX/XX/2019 I submitted an unemployment deferment form and I spoke with a customer service rep regarding the required documentation. I downloaded the document he explained to me and uploaded it into Nelnets system.I checked on the status today and instead having a communication that I could read on this is an alert on my account : We have finished reviewing the documentation for your repayment plan, deferment, or forbearance request, and were sending additional information your way. Keep an eye out for an email or letter from us. My account info is : XXXX XXXX, Acct # XXXX, SSN XXXX, addy : XXXX XXXX XXXX XXXX, XXXX  XXXX MN XXXX.The reason I am filing a complaint is there is no reason why I shouldn't be able to access the additional information on my account online inisteads of having to wait for snail mail or an email that should have been sent yesterday and was not.
Consumer complaint received 2018-04-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CO)

I have been a customer of coinbase for more than 4 years. Trading on my account has been disabled for nearly a month and Coinbase refuses to provide me with a reasonable response or any instructions on what I can do to resolve the issue -- -all of their responses are simply that they will talk to a specialist and get back to me. I had about {$130000.00} in USD in their service at the time and wanted to buy Bitcoin at the price of {$6700.00} on XX/XX/XXXX but my account was disabled and I was unable to buy. It has remained disabled since then, costing me more opportunities to purchase bitcoin at low prices, and now that Bitcoin has risen to over {$9500.00}, their negligence has cost me a great deal of money. 

On XX/XX/XXXX they contacted me to inform me of strange account activity. I am a US citizen but I live in XXXX part of the year and work remotely for clients in the US. Thus I log in to the service from both countries, which was marked as suspicious in my account. 

I didn't see the email, as I was on vacation. On XX/XX/XXXX, they sent an email to inform me that my account would be disabled since I had not responded and they were awaiting my response. 3 days later, on XX/XX/XXXX, I responded with all of the details I requested. They said they would confer with a specialist ; my account remained disabled. 

I have contacted them numerous times on the XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they finally responded saying that they are investigating the issue. I have heard nothing since then even though I have contacted them a number of times since. 

To make matters worse, they only allow withdrawals in the amount of XXXX USD per day, so I haven't been able to move all of my funds -- -so far I have only withdrawn XXXX USD. I would have transferred all of the funds to another service had they allowed me to. I requested an increase of the withdrawal limit in early XX/XX/XXXXbut they refused the increase. They have given me no recourse. 

I have attached my conversations with Coinbase as a PDF document for your review.
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

looked at my report back on XX/XX/XXXX, and noticed some things are not accurate due to fraudulent accounts.. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX were opened using my information due to data breaches and resulting in the fraudulent accounts. 

I sent a letter asking them to send documents showing signatures of all parties involved and never received these documents. I have been attempting to get these accounts removed with the companies and the credit bureaus themselves. 

They sent the investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate as again these accounts were open due to fraud.

And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) 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. 

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.