davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (IN)

Under the Covid CARES act, all student loan payments made after XX/XX/XXXX on federally owned loans are refundable. During this time, I made payments on my federal loans to Aidvantage. I requested a {$10000.00} refund from Aidvantage on XX/XX/XXXX, and was told that the application had been submitted for refund, and that the process would take 4-8 weeks for the refunds to be sent back to me. I called Aidvantage again on XX/XX/XXXX, and was told that my refund had been submitted, but that there were no updates. I am not worried so much about when the physical money gets back to me, since that has to come from the Department of Education, but I was expecting the loan amounts to reinstate on the Aidvantage website by now since they legally have to refund the money to me. It feels as though Aidvantage is dragging their feet since there are no email confirmations that a refund application was submitted, and it takes over an hour to get a hold of a customer service agent.
Consumer complaint received 2022-09-01
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. (PA)

In accordance with the Fair Credit Reporting act the following companies have violated my consumer protection rights : XXXX XXXX  - Account # XXXX XXXX XXXX - Account # XXXX XXXX  XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX 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 an account without my written instructions.

I tried contacting these companies repeatedly and no one is helping me and I need an immediate remedy of this situation.

Thank you.
Consumer complaint received 2022-09-01
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. (NY)

Consumer Financial Protection Bureau, XXXX is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you
Consumer complaint received 2023-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (TX)

On XXXX XXXX XXXX XXXX XXXX XXXX  placed a collection on my credit report in the amount {$820.00}. This account does not belong to me and I have no knowledge of it. The account was opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am not a resident of XXXX, Tx and never have been. The company XXXX XXXX stated that they opened a ticket on this matter to be resolved. The reporting agency is " TRANSWORLD SYSTEMS INC '' This is not the first the time this has happened to me. I had the exact same thing happen less than 3 months ago.
Consumer complaint received 2022-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (CA)

Hi, I have been paying off my student loans throughout the payment pause and finally paid it off two days before Bidens Loan forgiveness announcement.

According to the Federal student aid website, You can get a refund for any payments you make during the payment pause ( XX/XX/XXXX ). I called Edfinancial services this past XX/XX/XXXX, after hearing the Student Debt Relief Plan to request a refund since the payment pause is extended until XX/XX/XXXX, with payments and interest resuming in XX/XX/XXXX. 

During the call, the Edfinancial rep said processing time will take XXXX  days, which is nearing the payment resuming date. Other loan services such as XXXX XXXX, XXXX, and XXXX  are only quoting 3-8 weeks and a few people have seen their loans reinstated. I am a Pell grant recipient and am therefore eligible for the XXXX Loan forgiveness. Also, Edfinancial is not providing a receipt or email confirmation to prove that a refund request is made during the call. I understand the number of calls the company is having and will continue to have during this time but that shouldnt be an excuse to brush people off with vague explanations. 

To whoever will be looking through this email, it seems like Edfinancial does not have our best interest here due to the lack of information and for showing insignificance to this issue.
Consumer complaint received 2022-09-01
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: TD BANK US HOLDING COMPANY (PA)

In accordance with a Fair credit reporting act [ NORDSTM/TD ACCOUNT # XXXX has violated my rights. 
THIS HAPPENED IN THE MONTHS OF XXXX - XXXX OF XXXX, XXXX - XXXX OF XXXX, XXXX - XXXX OF XXXX. Under 15 USC 1681 section 602 states, I have the right to privacy. 

15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-06-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A. (DE)

I have an XXXX  account and originally my two accounts were linked for XXXX 's on purchases and weekly withdraws for long term savings. As of today, XX/XX/2020, it is no longer allowed and my account was unlinked and unable to reestablish due to a new PNC policy. Its not a problem on their end ( which was implied with one of the above questions ) it is a problem with PNC. Could we please take care of this situation as soon as possible? I would rather not have to change banks.
Consumer complaint received 2019-01-29
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. (GA)

The credit agencies are reporting an account that do not belong to me on my credit file. I have disputed this account with them several times. I have also provided them with a FTC Identity Theft form and they still refused to remove this account from my credit file. Please assist me in getting this matter resolved. 

Fraud Account : XXXX XXXX/XXXX XXXX There are also unauthorized inquiries showing on my credit profile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-18
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. (SC)

I reported that I did not make this charges, authorize this charges, or have knowledge of this charge. I did not even know about this collection until I checked my report on XXXX  XXXX 3 months ago. I called the collection company and they agreed that I should not have been involved in this charge but all three reporting companies ( Experian, XXXX, and XXXX  ) are showing that : " We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE '' It should be illegal to place a derogatory report on my credit report that I am not responsible for or even was aware of!
Consumer complaint received 2018-04-17
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. (GA)

I was shocked and alarmed when I received my credit report. 

Creditor : XXXX XXXX XXXX  ACCOUNT # XXXX I was never late 30,60,90 days on the date ( XX/XX/XXXX ) and ( XX/XX/XXXX ) XX/XX/XXXX,XX/XX/XXXX I'm not sure what happened I always made my payments on time to you, when I received my statements. My only thought is that there was a billing error with my statement.
Consumer complaint received 2019-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (TX)

XXXX an inquiry was done from XXXX  XXXX , no address listed in XXXX XXXX , NJ XXXX. I do not have a motgage currently, nor have I applied for any type of mortgage loan with ANY company. I believe my information has been compromised, as this is not from me! 

XX/XX/2019 and XX/XX/2019 an inquiry was made from the same company XXXX XXXX XXXX with no address listed in XXXX, MD XXXX. I have no such knowledge of this inquiry or company. I reached out to this company to obtain information on who they were and how were they able to use my information for a credit inquiry two times, with no valid response. I believe these inquiries are a result of my personal information being compromised as this is not from me!
Consumer complaint received 2019-10-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. ()

In XXXX, I enrolled at XXXX XXXX XXXX to obtain an education in XXXX XXXX XXXX XXXX for which I had received an XXXX  's in XXXX. In order to be able to afford to go to this school, I was told to apply for a school loan ( several loans, as it turns out ) on the advice of the school rep and have been paying back since graduating. 

However, it has come to my attention through my brother who lives in XXXX, within the last month, that the above-mentioned school has been closed down for being a predatory school. He proceeded to send me information regarding the school, see link XXXX XXXX XXXX I have been paying off my student loans since approx XXXX onwards, 13 years later, I am now a new mom with a XXXX old baby and I can not afford to pay the remainder of my loan. I've paid off at least XXXX of this debt. It sickens me to know that the school loan provider has not once mentioned any suggestion of a solution. 

Since I graduated from XXXX XXXX XXXX in XXXX, there was no job placement or advice offered. I have not worked in the fashion industry utilizing my education and skills that were taught and apparently I was on the honor 's list and dean 's list for being an outstanding student - what good is that to me? 

When I moved back to my home, I couldn't find a job with my, now-useless, degree and was so deflated for years with a degree that has no value and has cheated me of my self-worth. 

The remainder of the loan is now with Nelnet. First, it was with XXXX XXXX - they crashed & burned, then XXXX took over the loan and now this new company. It's very frustrating to find out that the loan has moved companies. Who knows what arrangements have been agreed upon from one company to another.
Consumer complaint received 2019-10-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (GA)

I am currently working a XXXX which qualifies me for the Public Service Loan Forgiveness program.

The first issue I'm having is it's been two years of FedLoan reviewing my case to award me credit for back months of credit toward the Public Service Loan Forgiveness. 

My second issue is that I recently filed Chapter XXXX Bankruptcy and sent them the paperwork that my student loans were left out of my bankruptcy so I can continue to be on the payment plan to receive credit toward the Public Service Loan forgiveness. The company sent a letter to my bankruptcy attorney after refusing to discuss the issue with me stating I could make payments but they would not apply toward the Public Service Loan Forgivenss program because I am in bankruptcy and they can not bill me.

My attorney is saying when a lender is left out of the bankruptcy they can bill you. I would like to have my credit go toward my Public Service Loan Forgiveness that I qualify for. This is absolutely ridiculous that I can't receive the credit. I was receiving the credit and my payments was XXXX. 

Please help me get the credit I deserve. I will be in bankruptcy for 5 years working this plan. That is over half the time needed to qualify for forgiveness. I will come out of bankruptcy still facing {$80000.00} in student loan debt.
Consumer complaint received 2019-01-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

Let me preface this by saying I have paid every bill timely, never once being late, and have spent quite a lot of money with this company. My payment was due XX/XX/2019 and I sent my check XX/XX/2019. The company did not process my payment until XX/XX/2019, which was a Sunday. Effectively, they charged me a late fee of {$27.00} and then a {$6.00} interest fee on top of that, for a total of {$33.00}. I am apalled that they waited so long to process my check, and then to add insult to injury not only charge me a late fee, but interest on that late fee. As I said, I have made every payment on time since the history of my having that card, and now they are endangering my credit for their lax practice is in processing payment. I spoke with a representative XX/XX/2019 regarding the same and he could not help me at all. I canceled the card.
Consumer complaint received 2019-01-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I opened an online savings account but was unable to create a username for online access because of a retail checking account I had 6 years ago. I do not know the password for that account. I am unable to reset the password online, and when I call in to get the password reset, I am transfered endlessly between people.
Consumer complaint received 2018-04-17
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: CITIBANK, N.A. (CA)

I have the following inquiries on my credit report that doesnt belong to me. 

1. ) XXXX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used 2. ) XXXX/XXXX XX/XX/XXXX XX/XX/XXXX Department And Variety Stores - non specific 3. ) XXXX XX/XX/XXXX XX/XX/XXXX Sales Financing Company XXXX XXXX XXXX XXXX, FL XXXX BYMAILONLY
Consumer complaint received 2019-10-08
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (CT)

I would like to make an official complaint concerning Wells Fargo Retail Services Account XXXX XXXX XXXX website and televised commercial promoting the No Interest if Paid in Full within 12 Months. I believe that the information depicted therein constitutes false advertisement and should be changed to reflect the true nature of the product. 

Both the company site and the TV ad explicitly state there is No Interest if Paid in Full within 12 Months. I bought furniture on or about XX/XX/2019. However, the first time I received a bill, 1 ) I was charged a late fees, even though I made a first payment before it was due on XX/XX/2019 ; 2 ) Payments could only be made through a Non-Wells checking account, and the online website/app you can not pay by debit/credit, money order, only checking account ; and 3 ) You a required to make monthly minimum payments or I will be charged and late fee and be reported to credit bureau! This has been consistently true with every subsequent bill as well. 

This is not a No Interest if Paid in Full within 12 Months Promotion, it is actually a High Interest/Hidden Fee Charging Retail Credit Card in disguise, that 1 ) restricts payments through mandatory non-Wells Fargo checking account only ; 2 ) charges monthly late fees if minimum monthly payments aren't made ; 3 ) charges you late fees if additional payments are made on the account in the same month instead of crediting the payments to the next payment period ; 4 ) is not a No Interest if Paid in Full because you are charged late fees for non monthly payments that are not clearly advertised. ( See attached Receipt, Advertising and Billing info. ) I would request that you remove the false information from their advertisements and the late fees and charges be removed from my account, be allowed to pay by credit/debit, money order if I choose and to have a true No Interest if Paid in Full within 12 Months account As Advertised! 

Prior to and on XX/XX/2019, I spoke with Wells Fargo regarding their deceptive advertising, restricting payments, hidden fees, etc. I was given a Complaint number by their Executive Officer representative XXXX, Ref # XXXX and told that I would get a response in 10 business days. 

Thank you. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-26
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: LEXISNEXIS (MI)

The US Bankruptcy Court XXXX XXXX of Michigan, located in XXXX, Mi. Says they do not report or release court documents to third parties such as LexisNexis, XXXX, XXXX, or XXXX. They report to XXXX an website for court reports not credit. I have a letter from the US Bankruptcy Court XXXX XXXX XXXX Michigan explaining they do not give XXXX, XXXX, or XXXX the bankruptcy XXXX information it was illegally token from XXXX 

So how is it verified? 

BANKRUPTCY XXXX XXXX XXXXXXXX
Consumer complaint received 2019-01-29
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: CITIBANK, N.A. (NY)

Disputed " chip '' charge on my Citibank credit card in XXXX while on vacation, that was not made by myself. I reported this error within a week of the charge being posted. The card was not stolen or lost. It appeared that when I handed my card over to make purchases, normally at a restaurant, an additional charge of XXXX Euros, by a company I can not identify, or even find via a web search was placed on my card. I wrote to the legal department and they responded that since this was a " chip '' charge, and I did not lose the card, this was a legitimate transaction on my part, and I am liable. They also concluded this is not a billing dispute, so it appears no investigationb whatsoever took place.
Consumer complaint received 2019-01-29
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Applewood Funding Corporation (AZ)

I applied for a 2nd mortgage of {$25000.00} on a home I own to do some upgrading in anticipation of XXXX grandsons living there while attending the University of XXXX starting in the XXXX of 2019. The property is used a rental in the meantime, I learned at the closing for the first time, the lender, Applewood Funding Inc., XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX, was requiring, without explanation, a " concurrent payment '' of both the 1st and 2nd. I was subsequently advised in writing by XXXX XXXX, President of Applewood that '' RESPA does not have any forms for disclosure of concurrent payments '' despite it being a material term to the loan origination. 
I complied with concurrent payment requirement by enabling ACH electronic payments on the 1 of each month. I began to notice that the underlying loan payment was arriving perilously close to late date of the XXXX. and as a result am making the 1st payment electronically with proof of payments to Applewood. Applewood has refused to provide a copy of the credit report obtained for the original loan approval. 

The Loan was assigned to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX AZ,, XXXX and according to email from the servicing agent XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX AZ XXXX, " Unfortunately, the Lender does not wish to grant us permission to release the actual email sent to us " ( regarding my resolution request below )
Consumer complaint received 2018-04-17
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Federal Pacific Credit Company, LLC (MD)

A credit collection agency unknown to me federal pacific credit Co made a false statement in regards to me agreeing to pay a debt I asked the company to send a validation of the debt in regards to the collection letter sent to me in XX/XX/XXXX I previously filed a complaint on the matter the company in returned stated in the response that I agreed in XX/XX/XXXX which would be impossible since they sent me a letter inXX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-08-21
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. (TX)

Experian supplied my personal information without permissible permission. ( period ) The attached permission was incomplete and even stated incomplete applications will not be processed. However, Experian disobeyed the law and did process by sending my information to crooks to purchase two cars, I complained and received the following reasons, excuses, and pointing the finger back at me from Experian -- -- -- " Based on our review of your request and the information available to us, we have determined that either : your request to block was made in error, or, your request to block information was based on a material misrepresentation or, you knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block. Therefore, we are declining your request to block. '' Overall this is upsetting but more upsetting is that Experian is calling me a liar without any proof. My request was not in error, was not based upon any material misrepresentation, AND I NEVER KNOWINGLY OBTAINED OR POSSESSED ANY GOODS OR SERVICES. 
On the other hand, it is very clear. Look at the attached incomplete application. A XXXX year old can see that the application was not to be processed and my private information should have never been given to XXXX only knows how many people. But is was supplied by Experian for the next step of a forged auto loan.
Consumer complaint received 2023-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

The US Bankruptcy Court XXXX XXXX of Michigan, located in XXXX, Mi. Says they do not report or release court documents to third parties such as XXXX, TransUnion, XXXX, or XXXX. They report to pacer an website for court reports not credit. I have a letter from the US Bankruptcy Court XXXX XXXX of Michigan explaining they do not give XXXX, transunion, or XXXX the bankruptcy XXXX information it was illegally token from pacer. 

So how is it verified? 

BANKRUPTCY XXXX XXXX XXXX