davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (IN)

I applied for PSLF. After about eight weeks FedLoan Servicing contacted me to let me know that I had entered an incorrect employer FEIN/EIN number on my application and requested a copy of my 2020 W-2 from that same employer. I submitted the W-2 as requested as evidence of the correct FEIN/EIN number. I was then informed that because I had initially entered an incorrect FEIN/EIN number on my application they had closed my case and require that I start the application process all over again ( aka : go to the back of the line ) despite their having the correct FEIN/EIN now in their possession.

This seems egregiously unfair. Apparently FedLoan Servicing continues to deny PSLF applications based upon easily resolved technicalities Thank you.
Consumer complaint received 2023-08-14
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. (NY)

According to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX is not licensed to perform any debt collection of any kind in the State of New York ( see attachment ). At this point XXXX XXXX XXXX XXXX is in violation of 15 U.S.C. 1692e - False or misleading representations. Also XXXX XXXX XXXX XXXX and TRANSUNION is currently in violation of 15 U.S.C. 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) which states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

And 15 U.S.C. 6803 ( a ) ( 1 ) ( 2 ) ( 3 ) which states : ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers.
Consumer complaint received 2020-08-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (MA)

I was a victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. The original creditor ( XXXX XXXX ) calls and harass me daily for debt which i didn't owe. I explained the ACCOUNT was not mine. They sent me some billing info with incorrect addresses and I explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and I am still fighting that. I hired a credit repair company to help me with these negative disputes, as I am new to this. They are not coorporating and states that they are willing to work with me and take settlement offers. They then turn around and sold the account to Cavalry SPV I , LLC and now I don't know what else to do so I am finally coming to you guys for some guidance please.
Consumer complaint received 2023-02-09
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. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX  days. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I recently sent my statement with the balance on my mortgage. I was told that they could not fix the information due to not enough information. How can these people handling how reports be either incompetent, lazy or unqualified to do a a reporting system. 
If my statement show the correct outstanding balance, how can they not correct the it since this is proof of my account balance. 
The statement shows all of the ending balances on my account.
Consumer complaint received 2020-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I'm trying to access my account with Equifax to be able to unfreeze and re-freeze my credit information through their website ( https : //my.equifax.com/membercenter/ # /login ) and I keep getting this message : " The email and password combination you entered is incorrect.Please try again. Your account will lock after 3 incorrect attempts. '' I was a victim of identity fraud and that is the reason I placed a credit freeze with all three major credit bureaus, but I'm currently shopping to refinance my mortgage and need the ability to quickly unfreeze and re-freeze my credit information. I called Equifax on XX/XX/2020 around XXXX XXXX and spoke with XXXX. She unlocked my account and asked me to reset my password, which I did. She told me to wait 24 hours before attempting to sign in with the new password. After waiting 24 hours I attempted to sign in and got the same message. I called Equifax again on XX/XX/2020 around XXXX XXXX  and spoke with XXXX. I told him what had occurred and that I was still not able to sign in. He stated that he will escalate my issue and I should hear back from Equifax within a couple of weeks.That same day I also sent an email to Equifax ( XXXX ) to ensure that there was a written summary of this issue. I sent a follow-up email on XX/XX/2020 and again on XX/XX/2020. Today is XX/XX/2020 and I have not heard back from Equifax. My issue remains unresolved, which is causing undue stress under this COVID-19 environment. I need this issue fixed as soon as possible as I am shopping to refinance my mortgage. Your help in compelling Equifax to resolve my issue will be greatly appreciated.
Consumer complaint received 2020-02-05
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: EQUIFAX, INC. (IL)

After submitting a police report and FTC Identity theft report the credit bureaus still have violated federal and state consumer protection laws and haven't removed the fraudulent accounts as of yet.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I believe FCRA 605B means that incorrect accounts must be removed from credit reports. Could you please review the documents? There are some wrong accounts on my report, and it's making me feel uneasy.
Consumer complaint received 2021-12-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TD BANK US HOLDING COMPANY (FL)

TD AUTO FINANCE, has made it impossible for me to pay XXXX the options to do online have been disabled they are charging me fees not letting me use my bank or business account I try to call and =the hold times are over 2 hours and then they hang up they are threatening me on payment buytif I cant go online icant get f=diferment either its a company account any way please help all I want to do is pay
Consumer complaint received 2024-02-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (IA)

After consulting with XXXX XXXX XXXX XXXX XXXX XXXX Legal Aid, on Monday, XXXX XXXX XXXX, I wrote and posted a NOTICE TO CEASE COMMUNICATIONS letter to Midland Credit Mgt , Inc. ( hereafter, MCM ). 

The first paragraph expressly states, " You are hereby notified to immediately cease all communications with me regarding the collection of a debt. This includes by telephone, mail, email, or any other means of communication to my home. 

I went on to inform MCM that " The debt is not enforceable because I am a low income senior citizen ; I have no cash reserves or other income to satisfy this debt. My sole income is Social Security which is collection proof ( judgment proof in common parlance ). Social Security is exempt from garnishment [ per Federal law ]. '' I also expressly stated in my letter to MCM that " Any further contact by your firm is a violation of the Fair Debt Collection Practices Act and could result in judgment against you for actual or statutory damages plus attorney fees. '' On Thursday, XXXX XXXX XXXX  I received a phone call at XXXX XXXX XXXX, even though I had expressly written the above letter referencing MCM 's account # XXXX regarding collections communications cease. 

I declined this telephonic communication. 

I do not intend, nor do I have any desire to be harassed by any member or assigns of MCM , Inc. The Fair Debt Collection Practices Act is quite clear on this point. MCM was put on written notice that I have to desire for any and all communications from them. 

XXXX XXXX is not on retainer. She merely provided advice.
Consumer complaint received 2023-06-13
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX has violated my rights. Or list of inquiries

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.
Consumer complaint received 2021-07-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PRANCER CAPITAL CORP (NC)

XXXX XXXX, dba XXXX XXXX XXXX XXXX paid Prancer Capital Corp the sum of {$11000.00} for the payoff of XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. Ms. XXXX traded her vehicle at our dealership on XXXX. Our dealership paid off her trade-in to Prancer Capital Corp on XXXX. The check was cashed by Prancer Capital Corp on XXXX. MsXXXX XXXX and myself have reached out to Prancer Capital Corp. several times requesting the release of the title. As of today, we still don't have the title.
Consumer complaint received 2021-03-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY ()

Hello, I received this email after providing my personal and bank details. 
please help me -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Office Of The U.s Treasury department Address : XXXX XXXX XXXX XXXX Washington, DC XXXX, United States Of America. 
Office in contact : XXXX XXXX XXXX XXXX XXXX XXXX, Commissioner of the U.S. Department of the Treasurys Bureau of the Fiscal Service ( Fiscal Service ). 
Email : XXXX XXXX Phone Number ; XXXX Hello XXXX XXXX, How are you doing today and how is your family? I write to give you a positive update about your already transferred funds ( {$950000.00} ) The transfer has been confirmed positive and the Federal Reserve account has been debited of {$950000.00} in other words you are {$950000.00} richer. 

I just got a notification from the Internal Revenue Service IRS as regards the interception on your funds reflection demanding for tax clearance of your already funds transfer, according to IRS it is mandatory that for such transfer to ascertain reflection within and outside the United States of America, tax must be observed please check attached document. 

I have made provision to ensure your funds hit your account same day of payment so I will advise you download attached, read carefully and proceed with the payment of the procurement of the Tax procurement document which is {$950.00} with details as below to the secretary of the IRS : Bank Name : Wells Fargo Bank XXXX : XXXX XXXX XXXX XXXX Va XXXX Account : : XXXX Swift : XXXX Account name : XXXX XXXX Account holder address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX TN XXXX I will be waiting to hear from you thus the payment details or payment slip after fee has been paid. 

I will plead with you to ensure you donate to the orphanage home when your funds hit your account because they need our help. 

XXXX XXXX XXXX XXXX XXXX, XXXX of the U.S.

Department of the Treasurys Bureau of the Fiscal Service ( Fiscal Service ).
Consumer complaint received 2021-03-06
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 — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

My bank account was hacked back in 2018. My bank suspected the fraud and but a freeze on my account. They later mailed me a copy of a fraudulent check that hackers used on my account after getting into my online banking username and password. That account was closed but I had an investigation on it because I had money in my account when this happened. I went back and forth for over a year trying to get information on this and got nowhere over the phone and in person at my local branch. This account and debt from fraudulent activity is now on my XXXX XXXX report. I disputed it with XXXX XXXX. XXXX XXXX never mailed me anything but when I called them to follow up XXXX XXXX is saying the Bank of America verified the account. Just a few months ago Bank of America mailed me 2 checks saying there was an error made by them but this account is still in my XXXX XXXX debt and report.
Consumer complaint received 2021-06-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: TD BANK US HOLDING COMPANY (VA)

I opened up a XXXX checking account to take advantage of a XXXX account opening bonus. I opened it on XX/XX/XXXX, fulfilled all the requirements by setting up direct deposit on XX/XX/XXXX and had cumulative direct deposits of over XXXX within 60 days of account opening. 

They only disclosed that : The offer is available to new personal checking customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months, open their account online via this web page and complete the required qualifying criteria. 

I had a previous checking account but had closed it in XX/XX/XXXX ( over 12 months prior to opening up this one ). 

The bonus was never applied. When I called to inquire, TD informed me that the offer was only good if you had NEVER had a checking account with them prior. This was never disclosed in any of the promotion or opening documents.
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Reporting to my consumer report as opened XX/XX/2016 in the amount of XXXX  ; XXXX}. I notified the bureau that these accounts are unauthorized.
Consumer complaint received 2020-07-31
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below XXXX 2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2023-06-13
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. (MO)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2020-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo did not disburse a Bill Pay as promised by XX/XX/2020. Because of this, my account has been debited but the organization that was supposed to be paid has not yet gotten my funds. The organization has checked the mail both on XXXX XXXX and XXXX XXXX.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

MY MONTHLY MORTGAGE PAYMENTS TO XXXXXXXX XXXX IS SENT BY BY BANK XXXX XXXX. THESE PAYMENTS ARE SENT ON TIME FOR CREDIT IN THE MONTH IT IS DUE. I RECEIVE AN EMAIL FROM THE BANK THAT MY PAYMENTS FOR XXXX, XXXX AND XXXX, 2023 BEFORE THE END OF THE CURRENT MONTH. 
AS A RESULT I DISPUTE THAT I WAS LATE.
Consumer complaint received 2020-08-02
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. (MO)

In XXXX  and XX/XX/2020 I was late on payments on my XXXX loan due to covid and my decrease in hours. This showed a negative report on my credit report
Consumer complaint received 2018-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CA)

I booked a trip through my Amex Platinum card on their website XXXX, beginning on XX/XX/XXXX for 7 days. The trip included a hotel and airfare as a package. The portion of the trip that is affiliated with the complaint is XXXX, the hotel portion of the trip. The hotel is extended stay in XXXX  XXXX. 

Due to circumstances ( father is on lXXXX XXXX, XXXX from XXXX XXXX ), I didn't make to the hotel until the morning of the XX/XX/XXXX. They told me that my stay was cancelled and I can't get a refund. I had to stay so somewhere so I booked another stay at the same location. 

I called AMEX to get a refund, but they said the contract states the hotel can cancel and keep your money if you don't check in by XXXX. They called numerous times to work something out with the hotel, but they eventually stopped answering the phone because they knew Amex was calling on my behalf. 

Now, this policy WAS NOT forwarded to me. The two Amex representatives I spoke with said the reason why I didn't get the cancellation policy in my email was because I BOUGHT IT AS A PACKAGE. And that had I bought it separately, I would have received the information regarding that cancellation. How is this fair? 

Amex and extended stay both aren't doing anything. Can you help?
Consumer complaint received 2020-08-02
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. (MO)

In XXXX and XX/XX/2020 I was late on payments on my XXXX loan due to covid and my decrease in hours. This showed a negative report on my credit report