davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (IL)

Companies Involved : FedLoan Servicing ( PHEAA ), XXXX and XXXX To whom it may concern : I took out XXXX Parent PLUS loans for my daughter to attend college between XX/XX/XXXX and XX/XX/XXXX with the original cumulative principal of {$47000.00} and an interest rate of 7.9 %. As of today, these loans now have an original principal of {$81000.00} -- close to doubling -- and the interest on these loans accrued and capitalized while my daughter was still finishing her XXXX degree. 

I am filing this complain again FedLoan, XXXX, and XXXX, because I don't believe I was provided adequate information to ensure the loans were kept on deferment while she continued to pursue her schooling for her XXXX degree and subsequent graduate education. At XXXX point, these loans were placed with a collection agency despite my child 's status as a student pursuing higher education. I am also unclear if it is even possible that these loans should have accrued interest and capitalized while she was still in school at the XXXX institution in which the loans were paid towards. 

Ultimately, these loans have accrued an egregious amount of interest over the course of the last 10-12 years while my daughter has been continuing to pursue schooling over the majority of this time. In particular, I don't believe I was provided proper documentation or communication about the loans accruing interest, capitalizing, and continuing to be active while my daughter continued her schooling. I understand that these loans would accrue interest despite being placed on deferment during XXXX  school, but I believe there have been missteps in policy and communication throughout the process that have led to a much higher principal balance now. 

I am grateful for any assistance that can be provided on tracking down the path of these loans through multiple agencies, including a collection agency. When I reached out to XXXX earlier this year, I was provided with the documentation that I've attached. I don't believe this is expansive or a full representation of the path these loans have went through which have led to their ballooning in value, but it is all I have received, with some redactions being made for some reason. 

Thank you.
Consumer complaint received 2021-05-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (NJ)

I began the process of refinancing my home with Cardinal Financial on XX/XX/2021. My wife and I quickly submitted all are required documents and were given the closing date of XX/XX/XXXX. Since then our closing date has been pushed back 8 times. ( Last closing date was supposed to be on XX/XX/XXXX. ) My credit score has been checked 10 times. My wife 's employer has had to confirm her employment numerous times. My employer has received nearly bi weekly calls for three months. I have been on hold with Cardinal Financial customer service no less then four times. ( The wait time is supposedly 10 minutes but I have never spoke to anyone in customer service even after waiting on hold for 30 minutes. ) My loan officer XXXX XXXX does not respond to emails but will occasionally respond to a text message. Her boss XXXX XXXX has not resolved the issue either. Cardinal Financial has hurt my credit score, my wife 's credit score, wasted my time, harassed our employers and have tried their best to unreachable and un responsive. They have set and missed their own deadlines for the past 3 months.
Consumer complaint received 2021-05-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc. (MN)

I have a personal loan with Prosper. They recently sent me a marketing mailing on a glossy card with no envelope. The card, readable to anyone, contained my name, address, the fact that I currently have a loan with them, and the payment history of the loan. I did not consent to them publicizing the fact that I have a loan or the status of my loan.
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. 
I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 

This has caused me to suffer and its defamtion of my character
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NV)

This message needs to be priority. I don't feel safe contacting you guys through phone anymore. Ever since I paid off my personal loan on XX/XX/XXXX at the branch, there seem to be some 3 withdrawn that wasn't made by me. and it still you guys are charging me for a personal loan, when i literally paid it off. 

fraud transaction 1 ) XX/XX/XXXX Cash Withdrawal XX/XX/XXXX XXXX # XXXX Teller - {$5000.00} 2 ) XX/XX/XXXX Cash Withdrawal XXXX # XXXX Citibank ATM XXXX XXXX TXXXX XXXX XXXX XXXX XXXX, NV - {$1000.00} 3 ) XX/XX/XXXX Cash Withdrawal XX/XX/XXXX XXXX # XXXX Teller - {$8000.00} and why am i still being charged for this? 

XX/XX/XXXX ACH Electronic Debit - CITIBANK LOAN EZ-PAY - {$310.00} Once again, my account seem to be hacked and i don't know who to trust or who is doing this to me. I want my money back!! I might need to get a whole new account number or something needs to be fixed. I have already blocked my debit card since i don't feel safe around you guys.
Consumer complaint received 2022-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Checkr, Inc (TX)

Checkr has completely blacklisted me in the gig economy. I tried to dispute an XXXX background report because they are reporting a deferred adjudication as a conviction. As a result of that request- despite the fact they claim to be investigated the matter and are upholding the report- they have now held up my report at all companies that use checker including XXXX, XXXX, XXXX, XXXX, and several others. They have effectively made it impossible for me to get work anywhere. This includes companies where they're not even reporting the deferred adjudication like XXXX and would return a norma, clear background report. 

As a result of checkers refusal to release my background reports I have not been able to find work anywhere and I'm going to be financially ruined. This one single company holds the power to be able to cause somebody to not get work anywhere in the XXXX economy. 

I have attempted to contact them multiple times they do not answer emails, and they do not have a way to call them by voice to reach a human being. 
You simply have to wait until they are ready or decide to reply. I guess there's nothing to be done until they decide to if they wish to release my records or comply with the law. I guess it's entirely up to them. However I do feel that people should know that this company is doing this to people, and they do not care. They're doing this to people who have no criminal convictions. They are doing this to people with clean motor vehicle records and who are actually qualified to work but can not since checkr refuses to let them. I'm sure this complaint will cause them to retaliate and delay my reports even longer, However I feel that people must know.
Consumer complaint received 2022-04-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I HAVE FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INCORRECT INFORMATION ON MY CREDIT REPORTS. I HAVE NOT EVER 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 NOT RECEIVED ANY RESPONSE. 




INITIAL DISPUTE XX/XX/2022 30 DAY DEMAND XX/XX/2022
Consumer complaint received 2021-05-13
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MI)

in XX/XX/2019 i made hotel reservation thru Chase Travel, and paid total {$1000.00} for hotel in Greece.Hotel cancel my itinenary due covid 19 and notified Chase travel for refund.Chase Travel sending me notification about processing a refund, but not refunded yet. i spoke with dozen suprvisors over 12 month period and evryone agree that they unlawfully holding my money, but they have limited tools to help.its disgraceful.please help!
Consumer complaint received 2022-04-09
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. (WI)

I HAVE FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INCORRECT INFORMATION ON MY CREDIT REPORTS. I HAVE NOT EVER 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 NOT RECEIVED ANY RESPONSE. 




INITIAL DISPUTE XX/XX/2022 30 DAY DEMAND XX/XX/2022
Consumer complaint received 2015-11-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (TX)

This company is posing as Aldous and Associates 'Attorneys at Law ' from XXXX , XXXX . I cancelled a membership to XXXX of XXXX ( XXXX ) several months ago well after my contract was expired. 

I owe nothing to XXXX and notified them in writing and verbally that I would not be continuing my membership, that my contract is expired, and that I no longer would use or need their services.
Consumer complaint received 2022-04-09
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: Experian Information Solutions Inc. (LA)

In accordance with the Fair Credit Reporting act FACTUAL DATA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

Received information from " Equifax '' informing me of a background investigation bring run on my file. The website on the link is not a creditable website from Equifax. The phone number from where the text message was received is XXXX XXXX XXXX XXXX XXXX, the link is XXXX XXXX XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting 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. (MI)

According to the Fair Credit Reporting Act USC 15 1681 section 602a states " there is a need to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumer 's right to privacy ''. My rights to privacy as per the Privacy Act of 1974 have been violated by XXXX XXXX XXXX subsidiary to XXXX XXXX, XXXX, XXXX, and TransUnion. ( 18 USC 241 ) XXXX, XXXX, and Transunion are consumer reporting bureau 's and I'm the consumer. i have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. XXXX XXXX XXXX has violated my federally protected rights under colorable of law, and their own CORPRATE CORE VALUES AND POLOCIES specifically 18 USC 242, as well as Failing to follow federal law and FDCPA and many more. I've inquired injury and mental stress emotional damage and injury to my consumer report to provided for my family. XXXX XXXX XXXX has committed SECURITIES FRAUD by obtaining and trying to collect from a certificate of indebtedness without the proper authorization, furnishing false and misleading statements on my report, 18 USC 1028, 15 USC 1681b, states who can authorize that and i did not. continuous violations need to be met with compensation due to my federally protected rights being violated, and they refuse to follow the law. 15 USC 1681a ( 2 ) ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
15 USC 1681e states " ever consumer reporting agency shall maintain reasonable procedure designed to avoid violations of section 1681c of this title and limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX, XXXX, and TransUnion are not maintaining reasonable procedures.
Consumer complaint received 2021-05-13
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. (GA)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2018-02-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (GA)

I have no idea who enhanced recover is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. XXXX XXXX is indicating that an account with the account number XXXX was opened with their company in XX/XX/2017. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 
2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized XXXX XXXX XXXX as third-party collection agent. 
4. Provide a true and correct copy of the instrument by which [ XXXX XXXX XXXX } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 
5. Provide the delegation of authority from the Director of the Office of Management Budget to XXXX XXXX XXXX, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.
Consumer complaint received 2018-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Aargon Agency, Inc. (SC)

I have a balance due for credit I supposedly got from some company called- " aargon collection agency , XXXX XXXX XXXX XXXX, XXXX XXXX , nevada , XXXX ''. 

I have NEVER been to a place called XXXX, never gotten an item, loan, anything from this place in my life. This is soooo fake that I am LIVID! I CAN NOT UNDERSTAND HOW THIS IS LEGAL!! 

HOW CAN I SUE THESE PEOPLE?? HOW CAN I PUT A STOP TO THIS?? IF THIS IS POSSIBLE TO REPORT FAKE ACCOUNTS TO REAL CREDIT REPORTING AGENCIES THEN I AM POSITIVE THERE HAS TO BE LOTS OF PEOPLE THAT THIS IS HAPPENING TO! 

I DO NOT KNOW WHAT AN XXXX IS, HAVE NEVER BEEN INSIDE AN XXXX BUSINESS, HAVE NEVER BOUGHT ANYTHING FROM XXXX BUSINESSES, HABE NEVER GOTTEN A LOAN FROM SOMEWHERE LIKE THIS IN MY ENTIRE LIFE!!!!! 

WHAT IS GOING ON THAT THIS IS LEGAL??!!!!!! 
Sincerely, XXXX XXXX XXXX XXXX, XXXX Thank you for ANY help.
Consumer complaint received 2022-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (NY)

I have the american express platinum card with no credit limit or speding limit.. I wasn't informed as to why my credit was limited to XXXX the annual fee is {$650.00} I've tried to contact american express several times for the past two years. I had to wait a total of 6months and nothing was ever done. I was told the same story there wasnt an answer or the department wasnt available. please i need this resolved and looked into.
Consumer complaint received 2022-04-09
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: Experian Information Solutions Inc. (WI)

I HAVE FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INCORRECT INFORMATION ON MY CREDIT REPORTS. I HAVE NOT EVER 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 NOT RECEIVED ANY RESPONSE. 




INITIAL DISPUTE XX/XX/2022 30 DAY DEMAND XX/XX/2022
Consumer complaint received 2022-04-09
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. (LA)

In accordance with the Fair Credit Reporting act XXXXACTUAL DATAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

I have an escrow account mr. Cooper failed to pay my homeowners insurance. Their was a fire on my property and they agreed the mistake was on their end. They also said they will correct situation. As of XX/XX/2022. I have been strung along, hung up on and given the run around. They put blame on the insurance company they purchased for their fault in laps ( XXXX ) The insurance company places fault on mr. Cooper. Now no one answers my calls and the phone number for mr cooper is now on a loop where only way I can contact someone is on automated service and no live person. Plus I received XXXX statement for an extra XXXX dollars.
Consumer complaint received 2021-05-13
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. (FL)

Greetings, This is a formal complaint against Equifax as Equifax has reinserted information that it had deleted previously. The XXXX XXXX XXXX XXXX tradeline was reinserted by Equifax as XXXX XXXX XXXX XXXX has requested that Equifax delete the tradeline that Equifax reinserted. 

Equifax reinserting this tradeline is a violation of the FCCPA ( Florida Consumer Collection Protection Act ) as Equifax is not indirectly claiming that I owe a debt. The FCCPA includes companies such as Equifax to be debt collectors whether they directly or indirectly claim a debt is owed. 

Equifax is also violating the FDUTPA ( Florida Deceptive and Unfair Trade Practices Act ) as Equifax reinserting information that Equifax has already deleted and making it appear as though XXXX XXXX XXXX refurnished the information is a deceptive and unfair trade practice. 

Equifax is also damaging my credit reputation thus defaming my credit image therefore is committing Libel/Defamation. Equifax maliciously reinserted information it had deleted before and made it appear as though XXXX XXXX XXXX XXXX refurnished the information. When Equifax unlawfully reinserted the XXXX XXXX XXXX XXXX tradeline it alerted my XXXX XXXX Credit Monitoring System which monitor my credit activities of both Equifax and XXXX. XXXX XXXX then alerted me via email that changes occurred to my credit file. Once I logged onto XXXX XXXX it displayed that changes were made by Equifax. In this case, XXXX XXXX displayed where Equifax reinserted the XXXX XXXX XXXX XXXX tradeline on or around XX/XX/2021 compared to when Equifax deleted it on or around XX/XX/2021. 

Equifax 's unlawfully reinserting on XX/XX/2021 the XXXX XXXX XXXX XXXX tradeline it had deleted on XX/XX/2021 display malicious intent from Equifax to damage and destroy my credit file. 

I can go on with writing the unlawful and deceptive conduct exhibited by Equifax as I have been working on my credit since XXXX of XX/XX/2021. 

Thank you for your attention to my concerns that are public policy issues and I look forward to hearing from you soon. 

XXXX XXXX XXXX, XXXX.