davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (LA)

I have been employed in XXXX  XXXX since XX/XX/XXXX( FEMA  ) and have been paying my qualifying student loan every month using Income Contingent Repayment or Income Based Repayment plans since XX/XX/XXXX. I have paid every month and my loan is in good standing. I meet the two qualifications for the Public Service Loan Forgiveness ( PSLF ) Program ( 120 monthly payments and working for qualified employer ), yet I was denied. My employer was determined to be qualified. XXXX is not counting my long history of on time loan payments with my previous two servicers. I have attached a data pull from NSLDS on my loan showing this and I have attached XXXX 's loan payment data. 

DESCRIPTION OF QUALIFICATIONS - PAYMENT HISTORY AND ELIGIBLE EMPLOYER 1 - I have made 120+ qualifying payments >Between XX/XX/XXXX and XX/XX/XXXX. Consolidated loans in XX/XX/XXXX with XXXX XXXX XXXX , XXXX XXXX XXXX. Began payment as ICR, then switched to IBR. Maintained loan in good standing by paying every month, made 53 payments after XX/XX/XXXX. 
>Between XX/XX/XXXX through XX/XX/XXXX. Loan held by XXXX, a XXXX XXXX XXXX   Servicer. I paid every month, note several short ( <30 day ) deferments while XXXX worked out the yearly amount for IBR payments. Record of 65 payments made to XXXX attached. 
> From XX/XX/XXXX through present. Loan switched to XXXX after requesting PSLF. To date, made 8 payments. 

2 - I am a full-time employee at a XXXX XXXX ( XXXX ) from XX/XX/XXXX through present, when I made each of the qualifying payments CORRESPONDENCE DATES : >Submitted Employment Certification Form to XXXX in XX/XX/XXXX. 
>XXXX received my Application for PSLF XX/XX/XXXX >XXXX denied my Application for PSLF on XX/XX/XXXX. Denial based on not eligible yet because I have not yet made the required 120 qualifying payments XXXX acknowledged 8 qualifying payments, only the payments made to XXXX. 

Qualifying Payments = payments made during periods of qualifying employment that your employer has certified via an Employment Certification Form.
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (NY)

SANTANDER IS REPORTING ERRONEOUS INFORMATION ON MY CREDIT FILE. I SETTLED MY ACCOUNT IN FULL IN XXXX OF 2021. PLEASE SEE THE ATTACHED SATISFACTION LETTER. YET SANTANDER IS STILL REPORTING THE ORIGINAL BALANCE ON ALL 3 MAJOR CREDIT BUREAUS. PLEASE CORRECT THE ERRONEOUS INFORMATION. THE ACCOUNT SHOULD BE REPORTING AS SETTLED WITH A XXXX BALANCE
Consumer complaint received 2021-10-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (FL)

A woman approached me on XXXX on XX/XX/XXXX under the name of XXXX XXXX. She offered me money in exchange to be her friend and talk to her. She promised XXXX a week, but said she was going to send XXXX and that I should send the rest to a charity of her choosing. I go the XXXX deposited in my account and sent the XXXX before I was warned of the fraud possibility.
Consumer complaint received 2022-02-02
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. (NC)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (MD)

This bank does a horrible job at processing disputes. I have a major dispute created XXXX against a company that has been scamming consumers out of money. I called in multiple times and emailed but no help so far. The dispute process is frustrating because I have to write in a complaint about the dispute to be taken seriously. I have proof that I tried contacting the merchant in several different ways - email, text, phone, and social media and never once got a reply. I have proof that I reported the business to the XXXX XXXX XXXX and to the federal trade commission over the fraud, but I haven't heard anything back from PNC. I sent over screenshots of other victims saying they got scammed too and their banks helped but mine is radio silent unless I report them to your establishment.
Consumer complaint received 2018-04-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (KY)

I sent a written inquiry to the mortgage company on XX/XX/2018 asking that they re-analyze my escrow account. Due to switching home owners insurance ( to a more affordable policy ), I had sent the refund check I received from the previous insurance company to the mortgage company and it was clearly marked " Attention Escrow '' which was what I was advised by the mortgage company to do. When the mortgage company received the check, they applied part of the funds to my monthly mortgage payment and the remainder went toward loan principle ( instead of going towards the escrow account as intended and requested ). 

Because the funds were not applied as requested, my escrow account had a deficit during the year end escrow-analysis. I learned of this error when I received a letter from the mortgage company informing me that my monthly payments were going up instead of down ( as expected due to cheaper insurance ), this was an approximate {$80.00} difference per monthly payment. 

The mortgage company responded approximately monthly saying, in essence, " we are working on it ''. 

Now, XX/XX/2018 ( 113 days after the initial request ), I call the mortgage company only to learn that the letter I received on XX/XX/XXXX that states that the mortgage company is in the process of reversing and re-applying this transaction and will send me my new monthly payment amount, was not followed up on by the company. 

In other words, after the mortgage company took 3 months to research the issue and decided they were going fix it as of the date of the XX/XX/XXXX letter, no one did anything. When I spoke with the customer service representative today, XX/XX/XXXX, he said that " it appears no one actually requested the re-analysis ... I'll request that now for you.. '' Meanwhile I have been paying {$80.00} more per month because this mortgage company is requiring for reasons that are not my fault, but a result of their terrible clerical and administrative services.
Consumer complaint received 2022-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (NC)

On XX/XX/2022 I mailed Apple Card/ GS Bank a certified letter via the USPS , which they received on XX/XX/2022. In the letter ( attached here ) I made Apple Card GS Bank aware that I did NOT agree with the amount of the alleged debt being reported by them to consumer reporting agencies. I requested the documentation showing where the debt originated, how the debt was calculated, and any other documentation that proved their claim is valid. My request are pursuant to 15 usc 1692g ( a ). I still have not received any response from Apple Card GS Bank nor any of the documentation I requested to prove their claim is valid.
Consumer complaint received 2021-10-27
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 — Their investigation did not fix an error on your report
Company: LOBEL FINANCIAL CORPORATION (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Under the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), there exists a crucial need to ensure that consumer reporting agencies discharge their duties with fairness, impartiality, and utmost respect for the consumers right to privacy. Recognizing Equifax, XXXX, and XXXX XXXX as consumer reporting agencies, and myself as the Consumer, I assert my right to safeguard my private information. This right is reinforced by 15 USC 6801, which mandates that financial institutions uphold customer privacy. The corporations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX fall within the definition of financial institutions described under this statute. Per 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies are authorized to furnish a consumer report solely in compliance with the written instructions of the consumer. Equifax, XXXX and XXXX lack my consent to furnish this information in regards to the above mentioned financial institutions and are devoid of my written authorization. Any form of consentbe it verbal, non-verbal, written, implied, or otherwiseextended to Equifax, XXXX and XXXX is hereby revoked. Moreover, 15 USC 6802 ( b ) ( c ) stipulates that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to opt-out. Regrettably, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX failed to apprise me of this option in any clear conspicuous manner.
Consumer complaint received 2018-04-26
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AL)

On XX/XX/2018, I was notified via email that my dispute was complete. Upon receiving notice, I went online to view the dispute using my Mobile device, at first I was able to log in with no issues, and verify the security questions with no problem. Once I got inside, I attempted to view it the results on a desktop and was given an error message. I contacted Equifax by chat and was given a phone number to call to report the issue. Once I called, the representative I spoke with was very rude, aggressive and unprofessional. The representative ignored my reasons for the call and began to talk about other issues with my credit. When I informed him of the original reason for my call he told me there was nothing he could do and to deal with it. I requested to speak with a manager or supervisor but was told he could not help me with that either. I find this very disturbing that a company that handles such sensitive information would allow their employees to speak with customers in this manner. I think there should be a way for consumers to feel not only safe, but confident when dealing with such larger bureau such as Equifax, especially after the recent data breach. How can consumer ensure their confidentially information is safe when this company allows this type of behavior?
Consumer complaint received 2015-07-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

An illegal foreclosure has been started against my home, even though I was still in the modification redemption process. I will file a Chapter XXXX bankruptcy petition to stop this action if necessary, but under the amended Fair Debt Collection Practices Act of XXXX XXXX, 2014, I was protected of any ongoing actions for a foreclosure action until all modification remedies have been exhausted. Select Portfolio Servicing , Inc. has through their lawyers brought this foreclosure action against me, thus violating my rights under FDCPA.
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NE)

Went online and paid the {$3.00} requested to have my credit information freeze. Have already completed this process with XXXX ; However, Experian has place many obstacles in my way and making it impossible to establish credit freeze online! Help. 
XXXX XXXX XXXX
Consumer complaint received 2022-06-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BlockFi Inc (PA)

I requested XXXX withdrawals, XXXX for XXXX XXXX, and the other for {$16000.00} XXXX on XX/XX/2022 around XXXX pm EST from my BlockFi Wallet account. Per email/social media customer support these withdrawals should've been processed by XXXX EST XX/XX/2022. They have not processed and still show as pending on the BlockFi platform and have not been released.
Consumer complaint received 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TOYOTA MOTOR CREDIT CORPORATION (SC)

Your company have not supplied proof under the doctrine of estoppel by silence, XXXX vs XXXX ( Mo ) 281 SW 715, 719 I may presume that no proof of the alleged debt, Nor therefore any such debt, in fact exist/remove
Consumer complaint received 2016-07-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On all XXXX of my credit reports there is XXXX XXXX XXXX # XXXX which is shown in Adverse Accounts. I included this in my Bankruptcy which was filed XXXX/XXXX/15. That fact is not shown on none of the Credit Reports and I wish to change that on all XXXX.
Consumer complaint received 2021-04-13
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC. (NY)

Navient keeps sending me ROBO emails but does not have a telephone number so that I can talk to a HUMAN BEING at Navient and pay my student loan payment. They have no telephone numbers and all emails are ROBO EMAILS. I want to pay my student debt but no one there will call me. They just want to send ROBO Emails that you can not reply too. They are ruining my credit. They are ruining my credit! They are ruining my credit!!! How can I sue them? They have no phone number. Please give me their phone number so that I can talk to a HUMAN BEING there and make payments!!!!!!!!!!! 

See the attached ROBO Email they sent me that has no telephone number, physical address, HUMAN BEING 's name, non-ROBOEMAIL address that you can not reply to. How do you let a large corporation get away with this????????????
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

This account is paid in full as shown on my credit report yet they are also reporting it as a charge off and it is inaccurate and making my score go down. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2019-03-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (FL)

I have contacted this company on multipal occasionsand informed them that this was paid by insurence. they have informed me that the original comany ( XXXX XXXX ) was not given insurence info. Which at the time i did provide to them ( XXXX XXXX ) the insurence info. I have disputed it through them several time Which at that time they have told me they would report to the accurate standing of the acct to the credit agencys. To this day it is still showing open on my CBR not as a DISPUTE. i contacted them today XX/XX/2019 at XXXX and was advised of the same thing.
Consumer complaint received 2023-01-18
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act my right has been violated with the following accounts below. 

1. Account : XXXX XXXX XXXX  Account Number : XXXX 2. Account : XXXX XXXX Account Number : XXXX 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 reason
Consumer complaint received 2021-10-27
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: Regional Management Corporation (SC)

XXXX XXXX have not supplied proof under the doctrine of estoppel by silence, Engelhardt vs Gravens ( Mo ) 281 SW 715, 719 I may presume that no proof of the alleged debt, Nor therefore any such debt, in fact exist/remove
Consumer complaint received 2021-10-27
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: General Motors Financial Company, Inc. (SC)

XXXX XXXX have not supplied proof under the doctrine of estoppel by silence, Engelhardt vs Gravens ( Mo ) 281 SW 715, 719 I may presume that no proof of the alleged debt, Nor therefore any such debt, in fact exist/remove
Consumer complaint received 2019-11-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

I am lodging a formal complaint against lvnv funding. this debt buyer has intentionally continued to report derogatory information on my credit reports that isnt mine.i have requested thru mail since XX/XX/2017, debt validation for this account on my reports. and they have ignored my request but continue to report every month. lvnv also never sent me a dunning notice in the mail before they reported which is a violation of the fcra/fdcpa act. i have called and spoke to them about this and they continue to tell me we dont have to send you anything in the mail before we report on your reports which is a lie. this debt is for a XXXX XXXX XXXX credit card which i never had before. ive never had XXXX XXXX XXXX   on any of my credit reports which i spoke to them and told them. the representatives told me they dont care and i need to just pay. i am in the process of purchasing my very first home and this errounous account is holding me back. i am requesting immediate deletion of this account from my credit reports and no further action will be taken. if not i will be reporting to my state and lvnv state attorney general offices, and contacting legal options. thanks for your time.
Consumer complaint received 2020-11-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (NC)

My Wells Fargo business account was closed in XXXX by the bank. They said that they will send me a check to my mailing address but I still have not received it. I tried to call them but the call just got transferred in between various departments without resolving it.
Consumer complaint received 2023-04-10
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. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.