davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (NY)

I requested for a refund of all my federal student loan payments made since XX/XX/2020 per the CARES act. The amount refunded totaled to {$15000.00}. This refund was initiated and requested on XX/XX/XXXX, and from the customer service, they stated that it would take roughly 3-6 months. This is ridiculous, and I have not heard any sort of confirmation from them. I would like some sort of confirmation that my refund was requested and processed sooner, as it is ridiculous to have to wait 6 months for my refund to go through.
Consumer complaint received 2019-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

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  There are 16 inquiries on my report that were either fraudulent or part of trans unions inquiry problem, Customer service would not help me and I am in the process of trying to buy a home. These should not be on my report and need to be removed
Consumer complaint received 2015-07-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (SC)

I am the co-signer on XXXX of my daughter 's school loans. Navient is now the holder of these loans. There was confusion about a payment ; Navient said they had n't recieved it - my daughter knowing she paid it. During the interim, Navient called my cell phone every XXXX minutes or so from rotating numbers all day long for two or three days until she finally got everything sorted out. I sent a certified letter telling them not to contact my via my phone any more but rather only by the US mail, noting that their rotating call system was harassment rather than debt collecting. They sent me a response telling me they could call me anytime they wished ; that if I spoke with them, the calls would stop for that day only ; and that they are not subject to the Fair Debt Collections Practices Act. This was signed by the Private Credit Ombudsman 's Office. In other words, they will continue the next time there is an issue to harass me unless I answer their calls and even then there is no guarantee that the calls will stop. Further, they are saying they are exempt from the FDCPA and I have no recourse but to be harassed by them.
Consumer complaint received 2021-06-15
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. (FL)

While checking my credit report, I notice an account from XXXX XXXX/XXXX  that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. I received a letter from them on XX/XX/XXXX, informing me of a collection company, XXXX XXXX XXXX XXXX, that had acquired my account. I sent them another certified letter on XX/XX/XXXX, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. It is now XX/XX/XXXX and I have not received an answer from them, and they are still reporting negatively on my credit report. I also sent certified letters to XXXX  and Transunion along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that XXXX  XXXX/XXXX  is reporting. So far, I have not gotten a response from them. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2020-02-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AG AH LLC (CA)

I complained to my previous mortgage holder ( Arc Home LLC ) regarding the interest they charged me during the escrow closing when I refinanced the mortgage on my property at XXXX XXXX XXXX XXXX, XXXX CA XXXX. I sent them a letter on XXXX XXXX, XXXX via registered mail and got receipt that they received my letter. However, its been 7 weeks already and they still have not responded to my complaint. 

I sent the letter to Arc Home LLC Attn : Mortgage Resolution XXXX XXXX XXXX XXXX XXXX, VA XXXX and provided them my name ( XXXX XXXX ), phone no ( XXXX ), my loan account no ( XXXX ), and my address ( XXXX XXXX XXXX XXXX, XXXX CA XXXX ). Note that my loan to them has been fully paid off so this loan number is no longer active in their system. Below is what I communicated to them in my letter. 

XXXX On XXXX XXXX, XXXX, the above loan was fully paid off because I refinanced it with another lender. The escrow closing document showed {$1400.00} of interest was charged ( up to XX/XX/XXXX ) but also offset by a credit of {$370.00} ( from  XX/XX/XXXX to XX/XX/XXXX ), each one at a daily interest charge of {$41.00}. So effectively, my account was charged extra interest for 2 days ( XXXX XXXX and XXXX, XXXX ), even though the escrow already closed on XXXX XXXX, XXXX. This extra 2 days interest I believe should be refunded to me. If you think I miscalculated, then please provide me your own calculations that will show why those extra days interest should not be refunded to me. 

I had previously used your website to get this issue resolved but I only get an automated response and a ticket number and on my last attempt ( last XXXX XXXX, XXXX ), I got an email stating that your email id XXXX is no longer being monitored and I should call instead. However, when I did that, your automated phone system would not take in my social security number or loan number when prompted, so essentially your phone system would not allow me to be connected at all to any of your departments or to leave a voice mail. I sent an email to XXXX ( which I got from your website ), but I also did not get a response from that email address. 
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Consumer complaint received 2022-12-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OH)

I am currently XXXX XXXX military and qualify for XXXX for my time working in public service. I have been on XXXX XXXX since 2008 and in repayment on my loans. I recently consolidated to take advantage of the XXXX waiver benefits. Erroneously Mohela my loan servicer is categorizing my employment as for profit. Ive spoke with representatives and keep getting that they admit the mistake but have not fixed it. The company has admitted the error on there part but still has not corrected it and i have been in a holding patter since XXXX.
Consumer complaint received 2019-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (ME)

I have been trying to get a freeze lifted or my pin to unfreeze my account from Experian. There is no way to talk to anyone. I have sent numerous letter and tried on line and by phone. I am trying to get some credit and unable to because of this freeze. I need help.
Consumer complaint received 2020-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

A collection account is being reported on my account despite efforts to verify this debt with both the company ( letter attached ) and the Consumer Financial Protection Bureau. 

As seen from attachments, I asked XXXX XXXX  XXXX to verify this debt per Fair Credit reporting rules and they never responded to me or CFPB. The item is not mine as I do not owe ( please check my credit report ). I carry no balances with lenders except my home. 

I am requesting that this item be removed immediately from my report or I will pursue legal action against the reporting bureau.
Consumer complaint received 2019-07-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: ARVEST BANK GROUP, INC. (OK)

On XX/XX/2019 Arvest Bank in XXXX Oklahoma attached a bad Check to my checking account and withdrew XXXX from my account. It was a human error that they didnt catch I did on XX/XX/XXXX when I went to withdraw from my account and saw I only had XXXX in my checking account. It took hours of face to face with the XXXX Oklahoma branch to find out what had happened and I was assured that my hard earned money would be put back into my account and someone would be calling or emailing ASAP. I asked for a time line when this would be done and was told that it was not her department and couldnt tell me how long it would take and informed me just dont use this account until it is resolved. I asked her how I could live without my money and the branch manager advice was to just keep checking on the account to see when the money would be put back into my account. As an Oklahoma XXXX  I live from paycheck to paycheck and it was unacceptable that they knew what had happened but didnt put my money back into my account. On XXXX  I called the XXXX  Number to Arvest Bank and after over a hour on the phone again I was told the money would be back into my account by XXXX  XX/XX/2019. I told them it was unacceptable to keep my money almost an entire week due to their error and I wanted my money put back into my account. They bounced the situation back to XXXX branch manager to deal who called my husband and informed us that it would be taken care no later than the close of their work day XX/XX/2019 As of this morning I still have XXXX in my account. 
My complaint is when Arvest Bank can clearly see what the problem is, it should not take a week to return money to my account. That is basically stealing so they can balance their accounts. This situation has caused an extreme stressful situation that is completely not professional. I want their policy of taking this long to solve this situation changed to a 24 hour turnaround. I want them to follow through with personal calls and or email customers when they state they will. No one found this error, I did, and was told I would be contacted. No one contacted me. I have a right to be contacted and treated with better communication than this business has in their policy They took my money by human error but they kept it by a system that is not acceptable.
Consumer complaint received 2020-02-23
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services (MA)

I spoke to a representative on XX/XX/2020 in regards to my account and removing late payments from my credit bureau and I would get caught up with my current balance. The agreement was to remove the lates and mark the account as current on their end but they are still reporting on my credit as 90-120 days late which is effecting my scores. I would like these late payments removed as part of the the verbal agreement I had discussed with them.
Consumer complaint received 2022-10-15
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. (FL)

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. 

XXXXXXXX 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 XXXXXXXX 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 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 2020-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

In XX/XX/2019 someone acquired my Bank of America Visa information and used it to open a subscription with XXXX XXXX -- a video game company. I saw the charge on my XXXX bill, reported it as fradulent, received a refund and got a new credit card. Then the charge appeared on my XXXX bill. I repeated the process. When it showed up again in XXXX, I repeated the process once more and began researching. That's when I learned about the Account Updater service. When I asked Bank of America to opt me out of having my account details updated for participating merchants they responded that they had no control over that and told me I had to call Visa. Visa told me it was the card issuers ' responsibility and sent me back to Bank of America.I can't cancel the subscription through XXXX XXXX because there is no contact information for the company on its website. Nor do I know what name the subscription was opened under. I can't believe that neither Bank of America or Visa is unable to suspend account updater for me.
Consumer complaint received 2020-02-23
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2020-02-23
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: Credits, Incorporated (OR)

CREDITSINC has placed a medical bill on my credit reports that do not belong to me. I've contacted them and the medical facility. They both admit this is not my bill, that it is my ex-wifes, whom I've been divorced from since XX/XX/XXXX. They refuse to delete it. 

Its {$130.00} dollars and its my only negative credit listing. They flatly refuse to remove it. 

Creditor Name CREDITS INC Account No. 
XXXX** Original Creditor XXXX XXXX Responsibility Individual Condition Derogatory Original Balance XXXX Balance XXXX Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Remarks Placed for collection
Consumer complaint received 2020-02-23
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: Experian Information Solutions Inc. (OH)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE SENT XX/XX/20 30 DAY DEMAND TO COMPLY SENT XX/XX/20
Consumer complaint received 2020-02-23
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. (OH)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE SENT XX/XX/20 30 DAY DEMAND TO COMPLY SENT XX/XX/20
Consumer complaint received 2020-02-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK (MA)

After receiving an advertising from Discover card on XX/XX/XXXX I did apply for the card. The advertising mentioned that it will not affect my credit score. During the application came on the screen the word " Felicitation ''. Was applying from out of home and the credit card left a message on my home phone when not present. Than came on my computer that the application was refused. Called Discover from my cell phone being out of State explaining that I couldn't not get the code. Discover told me sorry we can't do anything. Few days later saw that there was a hard inquiry on my credit score from Discover Financial. 
I already did contact you previously about this issue last year. Receive an email from a certain Mr. XXXX XXXX from the Executive office of Discover Financial. Did answered same day his email explaining the issue and since never got an answer. Emailed again Mr. XXXX XXXX on XX/XX/XXXX and still do not have an answer. 
Was yesterday ready to buy an XXXX  vehicle because I have an XXXX  and the finance company is charging me {$140.00} more because of the hard inquiry from XX/XX/XXXX. 
The contact person at Discover Executive office email is : XXXX, Phone number : XXXX I feel I have been mislead by the advertising of Discover card and ask this to be resolved. 
Respectfully, XXXX XXXX
Consumer complaint received 2020-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC (AZ)

Over the 18 months I have made multiple calls and mailed registered letters to companies that have had accounts opened in my name by someone other than myself. Most recently XXXX XXXX allowed an unknown individual or individuals to open two separate accounts, in two different states using information most likely gathered from a home burglary in XXXX where my drivers license, social security card and passport were taken. I am now in collections for both accounts. I spoke with XXXX XXXX in XXXX of XXXX letting them know that neither of the accounts was mine. In XXXX of XXXX the two collection accounts showed up on my credit report. One, XXXX  XXXX   XXXX  in XXXX Minnesota and the other Waypoint Resources Group in XXXX XXXX Texas are both attempting to collect a fraudulent debt. In XXXX, all three collections agencies, XXXX  XXXX   XXXX  and Waypoint Resources Group were sent letters disputing the accounts. Both signed for the registered letters however have made no response.
Consumer complaint received 2020-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Interstate Recovery Service, Inc. (TN)

I received a letter in the mail from Interstate Recovery Services in XXXX  XXXX, VA stating a notice of assignment for a debt " I '' owe of XXXX from a creditor named Publishers. The XXXX XXXX XXXX XXXX. XXXX is the phone number. I do not know of this debt, I researched online and I have seen mention of a magazine company. Yes, I do get magazines that I pay directly to the publisher company. But this is the first time I heard of this letter. I never ordered anything from XXXX - who is that anyway. I thought of XXXX XXXX XXXX  but I have never ordered anything from them. This is fraud and using the mail to conduct such fraudulent activities is illegal, as you know. I will have my attorney write them a letter to cease contacting me or prove proof of the debt with my signature. I am not paying this.
Consumer complaint received 2022-11-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC. (PA)

It is my understanding the auto loan from Santander, qualified for it be removed and discharged due to the class action lawsuit. 

It is my understanding I had a loan during the qualifying time period and met the parameters to have it removed as a victim of unfair credit loan practices.
Consumer complaint received 2019-07-16
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. (FL)

I gave Experian my schedule of creditors per my bankruptcy in XXXX/XXXX 2018 and an entry, XXXX XXXX XXXX, was corrected to show that it was indeed included in bankruptcy. Per a dispute a credit repair company submitted on my behalf, Experian changed it yesterday, incorrectly, to a charge-off, with a late payment date as this month- contrary to my court-ordered discharge! I tried to submit online to Experian, it would not let me. Please review the attached court documents and the excerpt from my Experian credit report showing it correctly in XXXX with the second page from yesterday changed incorrectly to my detriment to a late payment. Please assist!
Consumer complaint received 2019-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST (MO)

i mad a debit transaction and a deposit on the same day. the bank debited the account first then applied the deposit the following day, resulting in an overdraft fee, which they refuse to waive. i have an atm receipt that hows the current and available balance being more than the sum of the debits and deposits being more than zero when i made the deposit, implying that funds were available immediately.
Consumer complaint received 2020-02-23
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: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE SENT XX/XX/20 30 DAY DEMAND TO COMPLY SENT XX/XX/20