davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (NH)

Paid off my school loan in XXXX and received two US Dept.of Education letters confirming I completely paid off my school loans on XX/XX/XXXX and XX/XX/XXXX. I then received a refund check from the Dept. Of Education for overpayment of my school loans.effective date:XXXX 

XXXX XXXX XXXX then started sending billing invoices three ( 3 ) years later in XXXX for a payment schedule of unpaid balances. I was not given any documentation of this new unpaid balances? 
I contacted Aidvantage Loan Servicing ( XXXX  sold ) in XXXX to inquire about this mystery unpaid balance 3 years after I had documents to prove I paid off my loan in XXXX. 
After six attempts to reach the Claims Dept., they send a letter which stated : FSA requested adjustments to the account and this placed a balance back on the account. A bill was sent reflecting the balance of {$590.00}. This balance is valid based on requested adjustments per FDA.

I sent a letter to the Claims Dept., with copies of my two DOE letters stating I completely paid off my loans in XXXX and the copy of my DOE refund check in XXXX. 

I have not heard back and the supposedly balance due on the ( already paid out ) school loan is now {$840.00} due to interest. 
I am retired now, I paid my loans in full in XXXX with documentation. I have no proof or documentation that an adjustment was activated and valid as XXXX stated in XXXX.
Consumer complaint received 2018-12-11
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 — Their investigation did not fix an error on your report
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (ND)

On XX/XX/XXXX I submitted a complaint that Bayview Loan Servicing failed to report the correct date of 1st delinquency. Bayview responded onXX/XX/XXXX that the date was correct. On XX/XX/XXXX, XXXX  responded to their complaint verifying that the date of first delinquency wasXX/XX/XXXX and was removing the account ( copy attached and also in CFPB file : XXXX ). Bayview failed to contact XXXX, who owned the loan prior to them, and falsely and fraudulently reported that the information was correct when it was not.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account number XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 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 2020-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (PA)

SLS has charged my account for a check they sent out to someone, so they are labeling my escrow account with a negative {$2200.00}. 
This would be fine if I actually had an escrow account setup, but I waived all escrow accounts at closing and I pay my own taxes and insurance. 
Now I am refinancing and they are charging me this {$2200.00} that I did not authorize and have no idea where it is. 
I have tried to call and they will not budge on removing that from my account. And they told me a supervisor would call me back in the next couple days. I never heard from anyone. 
On top of that, now I have my payoff, finally, that was requested over and over again by my title company and it shows a late charge balance of {$36.00} and neg escrow balance. I have had my payment on auto pay since I started with SLS, so there is no way I should have a late charge. 
This company is a disgrace. And I am extremely frustrated.
Consumer complaint received 2018-12-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

Was Joint Account holder on an auto loan at XXXX XXXX XXXX from XX/XX/XXXX until account paid in full XX/XX/XXXX. Although the Credit Reporting company lists the loan correctly on my report, it continues to fail to properly note it on all XXXX and other aggregate scoring ratings. The company 's failure to factor in this loan is listed as two adverse key factors with the notations " Lack of recent installment loan information '' and 'Length of time accounts have been established ''. 
The company also has an additional incorrect adverse factor of 'Too few accounts currently paid as agreed ' in that there are NO accounts with late or slow pay. All accounts have been paid as agreed for the length of the reporting period and all paid in full in XX/XX/XXXX.
Consumer complaint received 2020-11-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (NC)

Upon checking my credit report, I noticed there was a collection account on my XXXX  file from I.C.System INC. I never received any notification from this company advising of a debt that I owed. The company just placed the collection account on my XXXX  file without notifying me of the debt prior to.
Consumer complaint received 2018-12-11
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)

On XX/XX/2018, I opened a billing dispute with American Express for a charge of {$700.00} that was authorized on XX/XX/2018 to the merchant " XXXX ''. This charge was for haircut and color I had done at this salon. I disputed the transaction because the stylist didn't provide me with the service I requested and the service was defective. Dispute reason code : C32. I provided American Express with a letter explaining what happened and why I'm disputing the charge. More importantly, I provided a copy of the text messages conversation with the merchant showing that she offered to " fix '' my haircut and color at no additional charge which constitutes an acknowledgment from her that her service was defective and needed to be re-done. I also provided American Express with pictures of the service I requested versus pictures of the service I received.

I contacted American Express today, XX/XX/2018, to inquire about the status of this case and was told that the dispute was closed in Merchant 's favor because the merchant provided a copy of a signed document showing that I authorized the transaction and paid a tip.

It's the standard at Women 's hair salons to pay a tip and It doesn't mean the customer is happy with the service, I actually paid her the least acceptable tip and as I explained in my letter, I didn't realize the service was defective until I went back home and had the proper lighting and took pictures of my hair to document the defective service I received.

I am astonished that Amercian Express Ignored the fact that the Merchant acknowledged the service was defective by offering to " Fix '' my hair at no additional charge and closed the case in Merchant 's favor based on the signed document that I authorized the transaction. The reason code for my dispute is C32 : Service Defective NOT F14 ( Missing Signature ), F24 ( No Card Member Authorization ) or A02 ( No Valid Authorization ).
Consumer complaint received 2020-01-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC (MN)

I applied for a loan on XX/XX/XXXX and was approved for a XXXX dollar loan. When the first payment was due, I received an email noting there was a {$300.00} fee and I had to give them 2 days notice if I wanted to pay anything on the loan. I thought the XXXX was the loan and interest. I could not pay more and was charged in the exact same method agin two weeks later. I was able to borrow money from my mother and laid the loan off in full. I paid it off in less than a month and the {$1000.00} loan cost {$1600.00}. I assumed that payday loans of this type were illegal in Minnesota and should have asked more questions possibly, but they are taking advantage of those needing a short term loan and isnt right. Luckily I could pay it off, but even so, thats a 60 % interest rate and had I not been able to make the total payments, the loan would have cost over {$8000.00}.
Consumer complaint received 2018-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Back in XX/XX/XXXX I did a dispute with all 3 credit bureaus for XXXX for {$3300.00} and it was deleted from all 3 credit reports on XX/XX/XXXX but not all 3 credit bureaus have added the above creditor back on my credit report in XX/XX/XXXX.
Consumer complaint received 2022-06-13
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. (CA)

I sent my FTC REPORT and Credit letter off on XX/XX/2022 to Equifax. I told Equifax to remove 4 fraudulent accounts : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. I also told the credit bureaus to " investigate every piece of information '' on the accounts I have listed above. I also attached the letters I sent out and here is the Tracking numbers : XXXX. 

According to the FRCA, the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate.

And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. My credit report needs to reflect the deleted the above accounts
Consumer complaint received 2020-12-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC. (IL)

I did a FHA Streamline refinance with Home Bridge Financial services in XX/XX/XXXX that lower my interest rate from 5.5 % to 3.3 % mortgage payment went from {$1600.00} to {$1200.00} it appear to be a good deal until I got an escrow shortage in XX/XX/XXXX total of {$4600.00} with mockery when I turn down to to a repeat FHA loan to got down to 2.9 % but they wanted me to pay the escrow shortage upfront, and I still would have a higher mortgage payment of XXXX up to XXXX and when I turn down at the suppose closing, I seen have been targeted by this loan service company, I also has to do a tax correction with that lower the payment of XXXX to XXXX without the opportunity to paid the difference of XXXX tax increase and correction of XXXX which would come out to XXXX that would have lower my monthly payment instead that want to pay the total shortage of XXXX, causing a hardship because they feel I can't pay the shortage in full I am accusing this company of loan Stacking, I did receive XXXX back from the original refinance from XXXX XXXX but wasn't inform that there would be a escrow storage on this FHA Streamline or else I would have hold the money I believe it was not told to me on purpose to cause a hardship that can lead to possible foreclosure
Consumer complaint received 2018-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

On XX/XX/2018 I requested my " annual credit report '' via snail mail. Instead of getting my timely report I received a letter on XX/XX/2018 dated XX/XX/2018 which requests identity documents in order to get a free report which I am entitled to. It seems that every year it seems to be the same excuse to delay, deny my timely copy of my credit file. The name and address has not changed so what excuse is there except another attempt to procure information to extend there data mining efforts to collect more information.
Consumer complaint received 2018-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX has not reported my payment history since XX/XX/XXXX. I have contacted and can't get anyone to report monthly to credit bureau. This is affecting my credit due to me trying to get a house. I have also faxed a copy of my Driver license and Marriage certificate where I got married XX/XX/XXXX and my name was changed on my account last time I complained and now it is back to XXXX. My Legal name is XXXX XXXX now.
Consumer complaint received 2021-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY (NM)

In XXXX of 2021 I had use a credit card from td bank I was doing good on my payments but then I had a family XXXX in the family because of XXXX and I could no longer make payments. I called td bank credit card services and they said we can help I had someone call me XXXX XXXX  in the morning took my information and then the next day I was denied. The rep never told me that I had to wait 9 months to get help. I blame td bank for this because they told me not to pay the bill until it is late so they can help me with the bill. LIES not only did they tell me thats not there policy they dont help you unless its 9 months now they put late fee after late fee. When I tell them they were the ones responsible they just write me hate mail stating if you dont pay your bill will be forced to send it to a collection agency. Basically Im being threaten Im XXXX  a senior why are they doing this they have no heart. They sent me a rep named XXXX he was the worse rep he did not try to help me at all all he kept telling me was about there policy and apologized for someone who didnt know there job. Td bank wont help me they havent even tried to take off any fees when they said they did take off fees it was only towards the bill itself not the bill installments. Even tho the rep gave me the wrong information td bank is suppose to honor it. They dont want to honor it because they want the bill to go high enough where it can go to an agency. They keep telling me on all the letters they sent we can help if you cant pay your bill but every time I call the number they keep saying 9 months thats are policy and hang up on me so its just lies they dont want to help me at all. Im paying what I can pay Im tired of them harassing me.
Consumer complaint received 2022-05-04
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Reporting Act XXXX  Account # XXXX, has Violated my rights 15 USC 1681 Selection 602 States I have the right to privacy.

15 US 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Consumer complaint received 2022-05-04
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)

I am writing to delete the following information in my file, the items i need to delete are listed in the report. I am a victim of identity theft. I demand that y'all remove these items from my file to correct my credit report. I also reported the theft of my identity to the federal trade commission & enclosed copies of the federal trade commissions identity theft affidavit. However, I request that you remove these items immediately.
Consumer complaint received 2021-12-08
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. (PA)

Im a victim of identity theft and these Are the inquiries that occurred from the theft XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXE XX/XX/XXXX XXXX & XXXX XX/XX/XXXX
Consumer complaint received 2020-12-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: OneMain Finance Corporation (NC)

The company ONE Main Financial Group has harassed me daily by calling my personal cell phone number from XXXX, XXXX, XXXX until this present day XX/XX/XXXX. Repeatedly! ( XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). Also, during this time of national unrest and a national pandemic, ONE MAIN Financial Group sent a Sheriff Deputy to my house that tested XXXX  for XXXX  XXXX  and they could have possibly exposed me to the XXXX. I have saved the text message in my phone, where I was sent an alert stating that the deputy was symptomatic and had been in close contact with someone who had XXXX XXXX. The deputy was not wearing a mask when he came to the door.
Consumer complaint received 2020-12-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (NV)

I moved from a home and left the property in better condition than received. Pictures from before the rental and after were provided. Receipts for cleaning were provided. However, they are still claiming over {$2000.00} is owed in cleaning and repairs. Their claim is completely without merit and they have told me that they would report to the credit bureau by the XXXX of this month if debt not paid.
Consumer complaint received 2022-05-04
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)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : 12 CXXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


1

5 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.
Consumer complaint received 2022-05-05
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. (TN)

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

15 US C 1681 Section 602 A states I have a right to privacy. 

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-07-16
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (NJ)

The incomitance of the staff working for this company is ridiculous. I call and get transferred around like a BB in a box car and no one has any helpful information on refinancing my loan. 
Can my loan be refied? 
Can I change it to a 15 yr? 
i understand the Federal Gov extended the forbarence time until XX/XX/XXXX for FHA loan so why do I not qualify? 
These are the starting question that no one can answer no matter how hours I waisted on the phone regardless of how many times they transfer me.
Consumer complaint received 2020-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2022-05-04
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX  Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account 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