davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-14
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. (MN)

XX/XX/XXXX. Judge XXXX XXXX XXXX of the United States Bankruptcy Court, District of Minnesota ; signed 5 orders disallowing claim for further payment on my private student loans, through a company called XXXX ( XXXX ) XXXX XXXX XXXX. These 5 claimes are for each lender that XXXX " claimed '' to have ownership of my loans. The 1 original company that had ownership was called XXXX. XXXX went bankrupt and closed in XXXX XXXX XXXX  refused to acknowledge this Bankruptcy and closure of XXXX  and continued to request payments and harrass me. They changed my privacy policy to list a subsidiary company of XXXX known as XXXX XXXX XXXX XXXX. as the new lender. This was after I informed them of the closure. They told me that they needed to be informed by XXXX of their closure in order to do anything about it. XXXX continued to charge me until I went into Bankruptcy XX/XX/XXXX. Before this XXXX  attempted to tell me that XXXX XXXX was my new lender. XXXX XXXX denied being my lender. They claimed to be the lender for a XXXX  XXXX  of only 1 % of the total loan. However, in XXXX XXXX XXXX cut business ties to XXXX to to fraudulent activities on XXXX side. XXXX was and still claims that XXXX XXXX is a lender. They also changed my privacy policy AGAIN after this happened. XXXX also has XXXX XXXX  listed on my credit report as a current lender. XXXX XXXX  has no record of my accounts. Every company that XXXX has claimed as a lender has been given an order to disallow claim. I have filed multiple claims with the credit Bureaus, and each time they dismiss my claims by allowing XXXX to not show any documents or proof that XXXX, XXXX XXXX, XXXX, and now XXXX XXXX XXXX XXXX has my loans. XXXX and XXXX no longer exist, XXXX XXXX  has no record of my accounts as of current. They opened the loans in XXXX and immediately sold to XXXX. XXXX XXXX XXXX  trust was designated as soon as I filed for bankruptcy and XXXX was privy to me fitting to discharge my loans. XXXX, XXXX, Expirian wont take anymore disputes. There is always an error that happens that im informed of. XXXX has also said they refuse to comply with the court order. They said that the claims have to show extreme financial hardship. Last time I checked the only way to have student loans discharged in Bankruptcy is to prove just that very thing. That is how I have 5 orders. Because I infact am experiencing an extreme financial hardship. My bankruptcy was just closed, so it currently shows that the accounts are closed, but they are kn fact still open, and XXXX refuses to correct the issue.
Consumer complaint received 2022-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I sent my first set of disputes for inquiries to the bureaus on XX/XX/XXXX. I gave them the 30-45 days legally allowed and never got an answer from any of the bureaus. I sent a second set of disputes through certified mail on XX/XX/XXXX to track the delivery of the letters, they were all delivered as you can see through the attachments, but I still have not received a response from the bureaus. I just sent my 3rd set of disputes to the bureaus yesterday, XX/XX/XXXX through certified mail again, HOPING for something this time.
Consumer complaint received 2022-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MA)

Credit Collection Services in XXXX, MA keeps sending me letters to me address saying I have an outstanding payment with my electricity company ( XXXX ). I have always paid my bills on time, I checked my account still and I have nothing due, and I even called customer service representative at XXXX to confirm there is nothing due for my account. This Fake collection service keeps sending me these letters saying I owe {XXXX} and are asking to mail them a check or pay through their website ( not XXXX website ). I XXXX this place and there are multiple XXXX reviews saying it was a scam.
Consumer complaint received 2021-05-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc (FL)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2017-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A. (VA)

Please see Complaints : XXXX and XXXX As you will see, both complaints have been discharged and closed due to PNC responding to my complaint by phone and by mail. Just because they responded ( I received a call from XXXX XXXX ) does not mean that they satisfied my complaint nor that they resolved the situation. The issue is that PNC rejected a check payable to me due to an " irregular signature. '' Not only had they processed a previous check from this person to me ( signed by same person on the account ), but it seems they failed to follow their own procedures to verify with the account owner that this was a valid check signed and issued by one of the account holders ( as told directly to me by the account holder ). Because I was forced to process their second and final payment by credit card, I not only incurred a {$5.00} service fee from my bank, but an additional {$39.00} in credit card fees ( per my credit card statement ) that I would not have incurred but for PNC. PNC is using the fact that I am not an account holder and therefore they do not have to discuss this issue with me. PNC 's failure to follow its own procedures resulted in a {$44.00} charge that I would not have incurred had they processed the check and verified the account holder 's signature.
Consumer complaint received 2024-03-09
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: EQUIFAX, INC. (MI)

Its been over XXXX days and the creditor has not updated the information nor has provided proof or documentation in regard to a late payment/collection. They have not supplied this information and they must delete/ update to paid as agreed or never late the alleged late payments on my credit report. Under federal law they had XXXX days to complete the investigation and by failing to do so the item must be deleted/update to paid as agreed or never late from the report as soon as possible. I have sent multiple letters asking for proof/details. The credit reporting agencies just respond that everything is updated or verified as accurate. I have sent letters to XXXX, Equifax, XXXX and XXXX XXXX XXXX. 



In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) has violated my rights. XXXX XXXX XXXX section XXXX A. XXXX I have the rights to privacy. 
15U.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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. 

XXXX XXXX I received a letter XX/XX/XXXX stating late payments would be removed. Since then, theyve been removed then placed back resulting in me losing XXXX points from my reports. 

XXXX XXXX XXXX Ive reached out via mail to send me all documentation in their possession on the alleged debt on my account for review XX/XX/XXXX. I have since then received no response or deletion, therefore it should be removed. 

In addition, my open account with XXXX XXXXXXXX keeps reporting in the middle of, my statement date ( before Im able to pay off balance by statement ) resulting in me losing XXXX points from my reports. 



Inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX into XXXX dealership to XXXX XXXX XXXX car on the date above and my credit was ran twice. As a result, I would like both inquiries removed. 

XXXX XXXX XXXX XXXX I am unaware as to where this inquiry came from, I didnt authorize this inquiry. 

XXXX XXXX XXXX XXXX XXXXXXXX I am unaware as to where this inquiry came from, I didnt authorize this inquiry. 


Resolution : Delete inquiries, delete late payments or update as paid as agreed and delete collection. 

XXXX violations- I expect to receive compensation for each item inaccurately XXXX reinserted. 

FCRA Section.

611 Part ( A ) ( 1 ). No valid response within 30 days XXXX, Equifax, XXXX and XXXX XXXX XXXX FCRA Section 604 ( A ) ( 3 ). Pulled report without permissible purpose XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX FCRA Part ( A ) ( 5 ) ( B ) ( ii )XXXX XXXX XXXX late payment reinsertion XXXX XXXX Bank -Payments XX/XX/XXXX and XX/XX/XXXX
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I have been harmed by XXXX, experian and XXXX. they have kept on item on my report that are older than 7 years and have allowed others to gain access to my ssn and records that i am authorized representative and sole beneficiary.
Consumer complaint received 2017-08-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CA)

Hello, My father ( XXXX XXXX ) had a Parent PLUS loan serviced by AES. My husband and I made regular monthly payments of {$590.00} via ACH toward his loan balance up until the date of his XXXX, on XX/XX/XXXX. 

I contacted AES by XX/XX/XXXX notifying them of my father 's XXXX, and they were in receipt of the XXXX certificate indicating the date of XXXX to be XX/XX/XXXX. I was advised that the loan was forgiven effective on the date of XXXX. I was unable to obtain other information until my Letters of Administration were conformed by the courts, which AES received in XXXX of XXXX. 

My issue, and what has since dragged out for a year past the date of my father 's XXXX, is that the monthly ACH withdrawal hit our account on XX/XX/XXXX ( date of XXXX - a Saturday ) and was removed XX/XX/XXXX ( Monday ). After the significant back and forth over multiple phone calls, I was advised that since the loan was forgiven on XX/XX/XXXX, that my personal payment would be reimbursed. I ironed out the proper protocol to submit a dispute and request reimbursement with a woman named XXXX, mentioned by name and employee number in the letter I sent to AES, and which is attached to this complaint. 

As I had not heard anything since my letter was mailed XX/XX/XXXX, I called AES to request a status update on XX/XX/XXXX. I was told that my complaint and request for refund were rejected on XX/XX/XXXX on the grounds that the payment was made prior to the date the company received the XXXX certificate ( XX/XX/XXXX payment vs XX/XX/XXXX XXXX cert receipt ). As this directly contradicted the information I had previously received, I requested to be transferred up the line to a supervisor that could assist. While I was being bounced around over the 40min call, I was advised I needed to send another dispute letter ( disputing the outcome - at my expense via XXXX ) to the same address I had sent the original letter ; I was also told by an employee XXXX ( # XXXX ) and her supervisor XXXX ( # XXXX ) that the circumstances appeared odd given the date of forgiveness was indeed retroactively forgiven on XX/XX/XXXX, therefore any payments after that date would have been effectively surplus ( paraphrasing ). The conversation ended when XXXX mentioned that all other supervisors were in a meeting and unable to take my call and would call me back by close of business PST yesterday, XX/XX/XXXX. I have yet to receive a return call and am deeply frustrated by being put through this circus for a calendar year. 

My goal is to receive the {$590.00} that I paid toward this loan - that was not in my name nor my responsibility, to begin with. Please assist, as I 've done everything possible and ca n't seem to get straight answers or any real help from anyone whom I 've spoken with about this matter. The emotional and financial toll has been a significant burden, as have the repeated 45+ min calls for which I have to take time off from work. 

Thank you, XXXX
Consumer complaint received 2017-08-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

Citizens Bank has repeatedly ( betweenXX/XX/XXXXandXX/XX/XXXX ) played " fast and loose '' with the way charges post to my account, having them " clear '' in an order and way in which they are able to collect the most fees.
Consumer complaint received 2022-01-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC (FL)

I submitted a loss mitigation package to Gregory Funding at the email the company provided ( XXXX ) on XX/XX/XXXX, almost 2 months before the scheduled sale date. I also provided a copy to my attorney, XXXX XXXX XXXX. 

My attorney 's office sent email requests on XX/XX/XXXX and XX/XX/XXXX to the attorneys for Gregory Funding, XXXX XXXX and XXXX XXXX, asking them to indicate whether their client had received the loss mitigation package. These attorneys never responded. 

However, on XX/XX/XXXX a letter was sent to my attorney 's office from Gregory Funding entitled " Notice of Incomplete Loss Mitigation Application '' and that documents with an " x '' must be received within 15 days. However, the attached page did not show that any " x 's '' were checked. Based on this letter, nothing is required and my application should be complete. 

I am concerned that Gregory Funding is not acting in good faith. They should be responding to my attorney 's emails. I should be notified by now that my package is complete. My sale is set for XX/XX/XXXX. I simply want to be evaluated and approved for a modification as soon as possible. Time is running out. 

I am attaching an affidavit from my attorney 's legal assistant.
Consumer complaint received 2022-01-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (MA)

I opened an online XXXX Savings Account due to an email I received directly from Citibank offering me {$100.00} to open the account, subject to the condition that I invest a certain amount of money into the account. I did so and Citi is now saying I am ineligible for the {$100.00} bonus as I didn't open another checking/savings account, too. This was nowhere in the offer, including the fine print ( full email attached ).
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-09-28
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. (AL)

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. 

XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy. 15USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without written consent.
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-04-11
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: Experian Information Solutions Inc. (TX)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report - to this day over 30 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored in regard to my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will fill litigation due to the stress caused to me. My information has also been impacted by recent credit bureau breaches within the last year and my information may have gotten into the wrong hands
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-01-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC (MI)

I was offered pandemic assistance in the form of forbearance, which I took starting in XX/XX/XXXX. I was under the assumption we would be able to move any payments not made to the end of our loan. 

We took the entire extension offered of 18 months. 

XX/XX/XXXX I submitted an application on the website to do a loan modification. I checked the next day and it seemed to no longer be there, so I submitted another request. I checked back nearly daily. It came back denied, due to a previous modification, that had been made more then 12 months ago. 

On XX/XX/XXXX, I submitted another request for a loan modification. It was denied on XX/XX/XXXX. 

On XX/XX/XXXX, I called and talked to our loan representative. She said we could do a deferral of payments on the ones we missed and they would be added to the end of our loan. She said I should make our normal mortgage payment as planned. 

On XX/XX/XXXX, I logged in to make the payment. It said I was denied for the federal and I could not make a payment at all on line. 

I tried called the representative I spoke to directly-I got her voicemail. I talked to someone else, who was extremely hard to understand ( he was muffled-I asked him more then once to unmuffle ) for an hour. I came out of the phone call with no resolution. I guess the deferral was denied because it would take 30 days and at that point I would be 19 months behind on my loan, even though I was told to make a payment XX/XX/XXXX. 

I called my representative again and left a voicemail after the hour long phone call with the other agent. At this point, there is 4 days left of the month ( 2 business days ) and Im not sure whats going to happen. I dont know if foreclosure proceedings have started, I dont know if I can try to pay the forbearance payments over the course of 6-12 months on top of a regular mortgage. I have no resolution or actions to take. 

It takes at least 24 hours for someone to get back to me. While I understand its a business and there are other people in line, I should be able to talk to someone who could actually help me.
Consumer complaint received 2022-09-28
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. (PA)

Hello, my name is XXXX. I am a victim of Identity theft. I hear about robberies and muggings often, I'd never thought that I'd be the one going through it, unfortunately I was robbed at knifepoint while picking my dog up from doggycare and my wallet, purse, phone, and dog was all stolen. In my wallet was my ID and social security card among many of other valuables. I did not get to see my attackers face as they approached me from behind while I was kneeling to clean up my dogs mess after she relieved herself. I noticed this problem XXXX, 2022 I am writing to delete the following information in my file. The items I need deleted are listed in the report, i am a victim and i did not make these charges I ask that these items are deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2017-08-24
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. (OH)

I disputed the account with XXXX XXXX Acct # XXXX XXXX with Experian, XXXX and XXXX. Experian conducted an investigation resulting in the account being deleted. However the account was re-inserted back onto my credit report. I was not given notice of this according to the FCRA. I 've attached and highlighted evidence of the account being deleted.