davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (TX)

In XX/XX/XXXX, I was told by XXXX XXXX told my that my financial aid refund would be in my account ( stipend ). I was in need of my money because I was using a loaner computer, and I needed a new computer. She told me it would be in my account by XX/XX/XXXX. It was not there. Ms. XXXX told me that my federal loans paid on XX/XX/XXXX, but I still had a balance owed on the tuition. After that I was left with {$88.00}. She said they were waiting on my Pell grant to refund me for the computer and living expenses, which she promised me that it would be there any day. My Pell did not come until XX/XX/XXXX. In between that time they had told me they could expedite my funds. I am not sure what I am paying for, since they do not supply me with any award letters showing the balance I was awarded in loans for the any school year. I talked to her last week, and she told me that I get my check mailed on XX/XX/XXXX. Now I am being told that my check will have too wait another 14 days, it is a process, which they can not explain, nor do they have any administrative policy on how refund ( stipends ) are allocated to students. I have a XXXX GPA, I have been in this program for 1 and 1/2 years, I took a break, but I am a good student, so I do not understand why I am being placed on hold and I need my funds. The financial aid workers seems like they are making promises and will tell you anything to get you off the phone. There are no clear policies on how this financial aid refund process works. Most school have defined polices on how refunds ( stipends ) are reimbursed to students, they seem to have a willy nilly policy. Although they have a campus in XXXX, the financial part must be in XXXX, and they allow XXXX students to pick up their refunds ( stipends ) but will not allow me to drive down from XXXX to pick my stipend up. There is no policy on why I as a student am not allowed the same benefits as XXXX students, in regards to picking up my refund. I was also given the phone number for the financial aid director, who supposedly will release my funds, but she is conveniently on vacation until next week ( XXXX ), meaning that my check may not be released until XX/XX/XXXX. I graduate in XX/XX/XXXX. I would like to see award letters for each financial aid calendar year, I feel that they have kept some of my funds.
Consumer complaint received 2018-08-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Financial Group, Inc (IN)

XXXX XXXX XXXX XXXX, Joined XXXX XXXX  located in XXXX, IN in 2010 and soon found out the the company could not live up the fake advertisement and promise of getting quality product in an timely matter. We cancel our membership with XXXX XXXX  and notify XXXX XXXX that we are no longer an member this club. We made payment according to the initial signed contract for a couple of month more until we found out that XXXX XXXX was not going to release us for the service agreement with XXXX   XXXX. Both, XXXX XXXX  and XXXX  XXXX ask and plead if we would give XXXX XXXX another opportunity and we did not base on the poor management, customer service, and lack of product. Eventually, XXXX   XXXX turn the account to XXXX XXXX XXXX XXXX collection agency to collect and we ask National Finance for the validation of debt and we did not received anything for XXXX XXXX XXXX XXXX or XXXX XXXX. We request the National Finance remove the collection off of our credit report immediately. This is attempt to collect debt that we do not owed. 

XXXX XXXX
Consumer complaint received 2018-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solomon and Solomon, P.C. (ME)

Solomon & Solomon PC XXXX XXXX XXXX XXXX NY XXXX Tel : XXXX Alleged Balance Owed : {$460.00} Original Creditor : XXXX XXXX XXXX
Consumer complaint received 2018-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc. (MD)

XXXX XXXX XXXX XXXX is reporting a debt in the amount of {$2900.00} and with an opening date of XX/XX/XXXX in the state of pennsylvania. The Pennsylvania Statute of Limitations on written contracts, oral contracts, promissory notes, and open-end accounts is four years. ( 42 Pa. C.S. 5525 ( a ) ). XXXX XXXX XXXX XXXX does not have legal right to attempt to collect this alleged debt. 

In addition, this collection was closed and removed from my XXXX Credit report dated XXXX, XXXX, XXXX. The creditor, XXXX XXXX XXXX XXXX, reinserted the collection item, reported as of XXXX XXXX. XXXX is required by the Fair Credit Reporting Act ( FCRA ) to notify me in writing within 5 business days of re-inserting a previously deleted item, FCRA 611 ( 15 U.S.C. 1681I ).
Consumer complaint received 2018-08-14
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: Experian Information Solutions Inc. (NY)

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.
Consumer complaint received 2022-03-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: HUNTINGTON NATIONAL BANK, THE (MN)

I had a checking account with overdraft protection ( which was really a XXXX ) with TCF Bank which was bought by Huntington Bank. I closed all my accounts in XXXX, in branch ( XXXX Huntington Branch ). The teller said all accounts were closed but that they didn't give paperwork for closing an account. 

In XXXX I got a bill from Huntington for {$1.00} from this XXXX which I'm guessing is random interest charges or something but more importantly the account was still open. I went into the branch ( XXXX XXXX, XXXX ), paid the bill and told them to close the account and give me some paperwork. The teller said the account was close but that I'd have to speak with a Banker to get any confirmation paperwork. 

I waited to speak to a banker and he said the account was not closed and that I actually had to send an email to Huntington Bank requesting the account be closed and that the email must include my signature. 

This is crazy... I can't close an account after I'd been told it's closed twice. I literally can't go to their location and close an account? I know many people that would struggle to get a signature into an email. This is really, REALLY not cool. They are literally making me jump through all these hoops so I'll just give up and they can keep their number of accounts higher.
Consumer complaint received 2020-08-01
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: AMERICAN EXPRESS COMPANY (CA)

I have a loan with XXXX XXXX, XXXX, and AMEX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting all XXXX bureaus and XXXX XXXX, XXXX, and AMEX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-01
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: Marlette Funding, LLC (CA)

I have a loan with XXXX XXXX, BESTEGG, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting all XXXX bureaus and XXXX XXXX, BESTEGG, and XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.
Consumer complaint received 2020-08-01
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: WELLS FARGO & COMPANY (CA)

I have a loan with WELLS FARGO, XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting all 3 bureaus and WELLS FARGO, XXXX, and XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2019-08-29
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: Rocket Mortgage, LLC (GA)

On XX/XX/2019 I received a notice from XXXX that there had been a change to my credit score. Upon reviewing the details of my credit I noted an inquiry was completed on both XXXX and XXXX by Quicken Loans, dropping my credit score by a total of 38 points and moving me down from an excellent credit standing to good. 

I have not applied for any loans with Quicken Loans. I have not supplied Quicken Loans with my personal information. I have not received any contact from Quicken Loans to confirm authorization to complete an inquiry on me nor complete an application of debt/loan on my behalf.
Consumer complaint received 2022-07-25
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. (CA)

Isn't it tiring for the Credit Bureaus to receive letters having the same requests? Because for me, I have alraedy reached the peak of my patience and I am on my way to pursue legal action against the Credit Bureaus. I am submiting this countless complaint addressed to the Credit Bureaus to tell them that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to the fraud or extortion. 

XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX  ) XXXX Balance {$760.00} XXXX  XXXX Balance {$0.00}
Consumer complaint received 2018-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (FL)

Hope you are well.

We have had a GM loan on XXXX XXXX XXXX XXXX for 3 years. As of XX/XX/XXXX we owed approximately {$19000.00} which we paid off. The title was released after about a month. The credit report incorrectly shows loan still open and not paid off. This is interesting because if we had traded for another XXXX and financed with GM again it would have adversely affected our credit terms. This is neither fair or legal in my eyes. They seem to have a lot of undue manipulation in my credit report as well as my husbands. It shows that we owe {$40000.00} to GM and we owe {$0.00}. I expected GM to remove this as an open obligation and disputed 2 months ago. They will not respond. The truck has been paid off since XX/XX/XXXX, that is 5 months. Can you please assist? 

Regards, XXXX
Consumer complaint received 2018-08-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO. (WA)

As Chase premium account member, there is {$0.00} fee for incoming international wire transfer. However I was charged me {$10.00} for a incoming international wire transfer dated XX/XX/2018. This is the second time I was charged an hidden fee by chase. Last time it happened on XX/XX/XXXX. I had contacted them without resolution. I had to file a complaint with CFPB ( XXXX ). One explanation I was given by chase customer representatives were the fee was charged by sending bank. But I have and transaction statements from sending bank to proof the {$10.00} fee was not a charge by sending bank. CFPB please investigate how many chase customers have been unknowingly charged by this hidden fee for international incoming wire transfer. This is no difference from stealing money from customers. I want a refund from Chase.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2021-04-13
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: AMERICAN EXPRESS COMPANY (NY)

UNTHICAL AND FRAUD ACTIVIGTIES BY AMERICAN EXPRESS 1. Violation of the Fair Credit ACT for changing the address on the accounts without my authorized request to do so- Amex learned about my address by filing a complaint with the Consumer Financial Protection Bureau in which I had to list my home address. I will send you such false claim they have made when I never put any verbal request or written request for change of address. 
2. Violation of the Fair Debt Collection Practice Act, FDCPA since they are passing a business debt as a consumer debt by using deceptive practices to collect a business debt. FDCPA only deals with consumer debts, thus unclear why a business debt is being attempted to be collected as if it was a consumer debt. 
3. Breach of contract -since the application was taken under a business name with business tax ID and I was the signor. As the signor, I never signed any separate agreement to agree to pay the debt of the business which is a corporation in case of the corporation defaults on paying its debts. As you know, Paying the Debt of another is contract that needs to be in writing and in absence of such written agreement, I can not be responsible for the debt of the corporation which is a person other than me, the signor. This would only if the business was a sole proprietorship where the business and the owner are the same person. The business is governed by Corporate Law where an officer of a corporation is not responsible for the debt of the corporation, unless this officer signed an agreement to guarantee the debt. Thus asking Amex to produce such agreement will be impossible to produce since it does not exist.

4. When I asked Amex to validate the debt, they sent me 1 a letter on a grey scale sheet which suggests to me the letters were doctored with the wrong date since both card was issued in XXXX respectively and not in XXXX as suggested by the letter. 
American Express assumes that I do not understand the law and their bogus letters mean anything when debt can be validated by producing a copy of the signed credit card applications and the credit card agreement signed credit card agreement. They refused to produce such documents as they will show that the application was under the business name and Tax ID and not under my personal name and Tax ID and the credit card agreements were business credit card agreements and not personal credit card agreements. So, you have unethical employees who work in recovery using underhanded tactics to collect illegitimate debt not owed by me personally. Regardless Amex senior management knows what is going on or not does not matter since these employees are the face of American Express and whatever they do bind Amex. 

How I want this to resolve is to have the Amex debt of XXXX dollars removed from my personal credit reports with XXXX immediately within 15 days and to immediately remove the account.
Consumer complaint received 2020-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Have disputed this account from XXXX XXXX with XXXX, Transunion, and XXXX with no avail. Only updated with inaccurate information every time. Which clearly is not the case. 
1. Account status is different with all 3. 
2. Date opened is inaccurate. 
3. Payment status is inaccurate. 
4. Last reported dates are inaccurate. 
5. Comments on all 3 accounts read something different. 
6. Date last active is different on all 3. 
7. Date of last payment should be the exact same across the board as either the charge off date, or the day the car was paid off. 

All of this information is inaccurate and Is a violation of my rights. Picture from credit report included. Report pulled on XXXX.
Consumer complaint received 2022-03-09
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: Bread Financial Holdings, Inc. (NJ)

XX/XX/XXXX a XXXX XXXX account was open in my name for XXXX. This XXXX XXXX  account is inaccurate its not mines and I didnt open it.I lost my wallet in XXXX also my info is on the dark web according to XXXX. They couldnt have used my current ID because I have it if an ID was even used because I have a fraud alert on my account and didnt even receive a call to my telephone number before they ran my credit. I paid a few payments simply because I did not want it to effect my credit score. I thought this would be resolved by XXXX  but it isnt. I contacted my credit bureau and still nothing they arent assisting me because XXXX  is stating the information is accurate, this been going on for a year. I need some assistance. I have never been late on a payment ever this fraudulent account is coming into my livelihood. I shouldnt be responsible for a fraudulent account.
Consumer complaint received 2020-08-01
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 — Investigation took more than 30 days
Company: John C. Heath, Attorney at Law, PLLC (FL)

I have several loans that i borrowed back in XXXX while in college, right now all of my loans have been consolidated and out of default. i contacted the dept of education and they have already worked with me to get those loans consolidated and i have applied for the income driven repayment plan that will allow me to make monthly payments after the COVID pandemic. i am working with a credit fixing agency and it is taking them longer to remove those negative items out of my report and my credit score remains the same. i am reaching out to see if you are able to fix this issue. Thanks.
Consumer complaint received 2018-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (OK)

I currently have a fraud alert with XXXX. I was notified by XXXX that a company pulled my credit report to open an account without my consent or contacting me. This is a fraudulent attempt to obtain credit in my name without my consent. This company did not call me before pulling my credit report. I would like a copy of this application that has my information on it. I would also like this company to be reported for fraudulent activity. How do I get a copy of the application that was used to attempt to obtain credit in my name? This affects my credit score which costs me more money to obtain credit. 

XXXX XXXX
Consumer complaint received 2022-03-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

I have mortgage with Mr. Cooper. My property sustained damage due to a fire XX/XX/2018. I have fought viciously with my insurance company to pay for the damages for over 2 years. In this time I not missed a mortgage payment. The insurance company finally release a large payment to myself and my mortgage company. At this time the mortgage company is refusing to release any further funding so that I can complete more work on my property. This is causing a hardship for my family. I am asking Mr. Cooper to release further funding so that I can complete more repairs on my home. This is an urgent matter and I am facing hardship everyday that Mr. Cooper holds funding that is made for the repairs on my home. Please assist me in recovering this monies for the repairs to my home.