davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (GA)

XXXX has not honored the PSLF program. I have provided them with forms showing I have 7 years of public service employment, however, they keep sending letters saying the forms are incomplete. I've sent the correct forms to them on over 3 occasions with little to no resolution. XXXX has misreported my payment plan. I have been in public service for 7 years and want credit for my time served.
Consumer complaint received 2019-02-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CNG HOLDINGS INC (WA)

Current Creditor is listed as : XXXX XXXX XXXX XXXX website provided does not return to this company. XXXX ph : XXXX XXXX XXXX is : XXXX XXXX, I have never heard of or done business with this company. 

XXXX XXXX is collecting this debt even though XXXX XXXX XXXX XXXX XXXX is listed as the " Current Creditor '' - see attachements. 

XXXX XXXX ph : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX will not provide any information as to the original debt to include invoice numbers, dates of service, location of services, etc. Their website is not secure. XXXX This DEBIT IS NOT VALID, I have never heard of or done business with XXXX XXXX XXXX.
Consumer complaint received 2022-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (NC)

Relevant Information Provided for Complaint Resolution Purposes ( Only ) : My Full Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX | Last 4 of My SSN : XXXX Truist Bank Checking Account No. : XXXX XXXX XXXX XXXX XXXX. : XXXX ATM Information : XXXX, NC ATM Location : XXXX XXXX XXXX, XXXX, NC XXXX Name of the ATM/Bank at the time of ATM Deposit : BB & T Bank To Whom It May Concern : My Complaint relating to ATM Check Deposit of my XXXX XXXX  Insurance Settlement from a house fire I had. The check is still pending in my account that yet was deposited over two years ago on XX/XX/XXXX. I didnt know the check required two signatures and the bank will not send the check back to quicken loans and quicken loans will not sign the Truist Bank document necessary to have the funds released by Truist . Please help. My home kitchen is still in disrepair and this has gone too far for too long. I need the funds badly. The Amount of XXXX XXXX house fire insurance proceeds check I deposited at BB & T ATM on XX/XX/XXXX was {$7500.00}. The Check Amount Still Pending deposit in my Truist Bank Account to this date is {$7500.00}. The date of the ATM check deposit transaction was XX/XX/XXXX. The main issues is that only my signature was on the check when I made the ATM deposit of the check. I dont recall the time of the transaction. I used my BB & T ATM Card to begin the ATM check deposit transaction. I have complained to both the bank and quicken loans numerous times but there has been no resolution as neither party will do much to engage the other party. I am due two years of interest on my funds. I am not getting an attorney involved. Truist Bank Wont Release my funds without the second Signature. I am owed interest at this point too. These insurance check proceeds have been a pending deposit in my checking account for over two years now. 

XXXX XXXX XXXX Contact Phone # ( Mobile ) : XXXX XXXX Physical Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX
Consumer complaint received 2022-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (VA)

Funds are being held by PNC Bank even though the XXXX XXXX was declined. 


XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX PM XXXX {$7400.00} XXXX XX/XX/XXXX XXXX - Visa Declined Sale XXXX XXXX XXXX is not the issue. PNC Bank is the problem!
Consumer complaint received 2024-02-09
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. (SC)

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-02-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLIANT CREDIT UNION (IA)

I received a mortgage with Alliant Credit Union in XXXX, and set up automatic payments at that time. My payments were automatically deducted from my checking account on the XXXX and XXXX of the month. After almost 4 years, beginning on XX/XX/XXXX, Alliant began returning my payments, long after the payments had been pulled from my account. They debited my checking account on time every month, and then returned the following payments at a later date listed below ; XX/XX/XXXX for {$1100.00}, XX/XX/XXXX for {$1100.00}, XX/XX/XXXX for {$1100.00}, and XX/XX/XXXX for {$2200.00}, XX/XX/XXXX for {$2200.00}. 

In XX/XX/XXXX, in order to resolve past due payments caused by Alliant returning my payments incorrectly, I pulled {$15000.00} from savings and paid down on the mortgage to clean up their errors. While this prevented any foreclosure action, Alliant reported my mortgage as past due multiple times. I have filed a dispute, but there are still issues outstanding on my credit, lowering my score significantly. 

The attached file shows the debits where payments were pulled from my checking account, and the credits when they returned the money.
Consumer complaint received 2019-02-11
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. (NM)

XXXX is reporting a debt on my credit file that is not mine. Also, it is past the statute of limitation in New Mexico. This is affecting my financing and needs to be removed off of my credit file.
Consumer complaint received 2019-02-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MD)

I am a veteran and a XXXX XXXX. I was not paid for two pay periods during the recent partial shutdown of the federal government. The servicer on my mortgage loan, US Bank Home Mortgage, readily offered me forbearance for three months and was willing to extend it to six months. On the phone, the representative said I would not be charged any late fees and my payments would not be reported late to the credit repositories. I paid my XXXX payment in early XXXX and found that they had reported me 30 days late for the XXXX payment even though a representative promised they would not. 

US Bank Home Mortgage now refuses to delete the 30-day late notation on my credit reports.
Consumer complaint received 2023-08-09
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: EQUIFAX, INC. (AR)

In accordance with the fair credit reporting act XXXX XXXX has violated my rights.

15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can't furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-02-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Tribal Lending Enterprise, Inc. (AL)

I am unable to receive PERSONAL CALLS on my job as which, has caused problems for me. I requested a CEASE TO DESIST effectively immediately from all telephone calls via my place of employment, family members, personal cell phone call, references, etc.. because right now I am enduring a personal matter to include the death of a love one, financial hardship, etc. but will do what is right as soon as my financial hardship ends. However, XXXX XXXX  contacted my place of employment on today, XX/XX/XXXX at XXXX XXXX  and turned around and contacted me via my personal cell phone on today, XX/XX/XXXX at XXXX XXXX. I have documentation.
Consumer complaint received 2019-09-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (IL)

We have 3 student loans that have a balance of XXXX with Nelnet, these are simple interest loans at 7+ %. We have paid the loans and our next due is XX/XX/2020. We have set up automatic payments of XXXX each month to go to principal, as the P & I payment is not due until XX/XX/2020. Nelnet will not apply any of the payment amount to principal only interest. We should be able to direct additional payments out side of the payment schedule to principal,
Consumer complaint received 2019-02-11
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: CITIBANK, N.A. (NJ)

I am complaining about Citi Bank. 
The Citi Bank card which never has been activated was fraudulently charged. 
The Citi Bank refused to investigate fraud and closed the card instead. 
Ruined my credit history.
Consumer complaint received 2019-02-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC (NC)

On or about XX/XX/2012 my Ex-Husband purchased a vacuum cleaner in my name. The approximate price was about {$1500.00}. When he stopped paying on the vacuum cleaner my name was sent to the collection agency. Every year since then they have been adding more interest to the original {$1500.00} debt and changing the report date each time to reflect a earlier than later date of collection. I tried calling to dispute it but was told I needed to pay the entire amount or I would be brought to court. Soon after I would receive phone calls from Monterey Collection services every week to try and collect debt.
Consumer complaint received 2024-02-09
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. (TX)

15 USC 1681 SECTION 602 A States I have the right to privacy 15 USC 1681 SECTION 604 A : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX  Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX  Reported : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Reported : XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Reported : XXXX XXXXXXXX XXXX
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. (CA)

in accordance with the fair credit reporter act XXXX  account 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. 1861 SECTION 604 A SECTION 2 I ALSO STSTE A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2019-02-11
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: PENTAGON FEDERAL CREDIT UNION (PA)

My credit card info was compromised, there were numerous log in attempts, transactions and payments with out my knowledge of consent. Its been month Ive contacted the company numerous times no one has looked into it or anything! They keep talking me about a dispute from XXXX which was resolved but fail to look into what Ive notifed them about which took place on XXXX and is still occurring and yet Im being contacted by collections everyday for the debt! The company had also confirmed theyve sent my cards to incorrect address in the past!
Consumer complaint received 2019-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TN)

I am in the process of rebuilding my credit and recently pulled my credit reports from XXXX, XXXX, and XXXX and noticed a debt that I believe that I do not owe. The company attempting to collect the debt is National Credit Systems. I do not believe that I owe this company or the original creditor which is XXXX XXXX. Apparently this is a joint account which I was " allegedly '' a co-signer. On XXXX.19 I sent National Credit Systems a debt validation letter requesting " validation '' as opposed to " verification. '' I have attached the response that was sent to me on XXXX.19. It is my opinion that what they sent me was not " validation ''. The company failed to provide me with a copy of the contract between me and the original creditor ( with a wet signature ). All they sent me was a statement from the original creditor, and a lease agreement that does not bear my signature.
Consumer complaint received 2019-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (NY)

I tried to make a online payment as I do every month with the same banking information, The system kept telling me a error message. 

I therefore called to Customer Service to initiate a phone payment, Customer Service has advised me that the online payment center it out of service and all payments must be done in the Branch or By Phone. 

In the mean time that I kept trying to make the payments, Wells Fargo had me reported 30 days late with the bureau. 

Thanks
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

These following account, inquiries and personal information are all incorrect Please delete. 
collection 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 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 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
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 section 2 : It also states a consumer reporting agency can not furnish a account without any written instructions
Consumer complaint received 2022-08-18
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Reliant Capital Solutions, LLC (CT)

I owed a bill to XXXXXXXX XXXX XXXX  and the bill was {$6100.00}, I paid off {$3000.00} so the remaining should be XXXX. I couldnt pay it because Im a working student I had to take a gap semester and work in order to pay the rest. So why was I charged for fees that came out to XXXX
Consumer complaint received 2019-02-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

i got call today at XXXX my XXXX  number from a collection agency claiming i owe alot of money, they said XXXX hired them to collect it, thing is. i have a pay as you phone from XXXX, so its impossible to have unpaid debt. i contacted XXXX  they said i owe nothing, i called back convergent they said i have to pay, pls help, i looked this up and it seems to be some zombie debt scam that targets people, they act like you owed something from decades ago, that now grew, they used a XXXX number but seem to be from texas, CONVERGENT XXXX, they had my name, address, phone, demanded my social and credit payment, i said no to those, XXXX told me to just ignore them, im still scared and feel threatened by all this as their is no resolution from their threats. pls help looking this, i did many other people across the nation encountering this once i looked in to it this morning! thank you, this is some very shady, scary and confusion inducing scam, please help!
Consumer complaint received 2023-08-09
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)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Have never had credit with or an account with agency. illegal 3rd party reporting inaccurate financial information damaging / defamation of character with intents to harm credit score an decreasing chances of obtaining new creditor
Consumer complaint received 2019-02-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OK)

Hello, I'm a victim of identity theft. I had 3 homes with Ocwen, They are in part responsible for helping the theifs and there illegal practices, the start of the theft was XXXX XXXX of XXXX My business huge warehouse or barn where I was selling my merchandise XXXX and XXXX then they took my email over my Morgage loan company Ocwen allow unauthorized people to add them self 's as an account managers who got my email and passwords changed my mailing address I moved in with my girlfriend put a change of address in the from me and locked me out, took me 6-7 months from around XX/XX/XXXX to XX/XX/XXXX finally got them off by then all was upside down I was about 15 years into the loan interest over 7 % Also I moved in with my Girlfriend. The thesis changed my mailing address from XXXX XXXX XXXX XXXX XXXX XXXX, to XXXX XXXX all the hard mail was diverted I did not get mail until XXXX the foreclosure on XXXX XXXX XXXX XXXX XXXX was done in XX/XX/XXXX I was in modification I called and was told to disregard the foreclosure started in XXXX and they finally finished in XXXX paid the 3 no just to find out a XXXX gallon that was have the cost of the home and payments where 25 less mean time my rental on XXXX XXXX XXXX ok was sold at auction and Ocwen subsidiary birth it back for XXXX the owed was XXXX they said it was abanded I had a renter in it never received one paper, My info was change I could have refined them i did not have leans or seconds it kept ms broke with foreclosures that are the 2 rentals my home at XXXX XXXX XXXX XXXX, ok just the other day was Refined took the home from XXXX to XXXX without a word or letter or nothing on my ruined credit with Ocwen hammering my credit score every month, XXXX my loan supervisor got me the letter that stated when the theirs where added, I could have saved all of it I had equity of XXXX all the homes in XXXX was getting ready to slow down what now? Thank you
Consumer complaint received 2019-02-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (FL)

In XX/XX/2019 I filed a dispute for sunrise credit services with XXXX and they are saying i owe XXXX for whatever services that I dont even have or am aware of in XX/XX/XXXX of last year I lost my wallet and had to replace everything I dont appreciate this being stated that it which belongs to me and it doesnt .I dont even own a contract phone because I was always afraid it would mess up my credit that which Im trying to build