davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

I have been dealing with American Education Services ( AES, also known as Pennsylvania Higher Education Services ) for over 10 years when they began servicing my loan after XXXX XXXX XXXX ( XXXX  ) acquired my loan from XXXX XXXX XXXX XXXX. I originally took out 3 private loans with XXXX during XX/XX/XXXX and XX/XX/XXXX. I was not asked or informed when my loans were sold to XXXX and then serviced by AES. I found out about the new transaction when they began harassing me for payments, while I was still in school. I have struggled with AES for over 10 years on every level. They constantly change my loan terms and rates without reason, my payments are always fluctuating, and when I've tried to work with them on getting an actual static plan together they are condescending and unresponsive. I recently noticed that several borrowers have been in lawsuits with XXXX and AES and their loans were found to be illegally acquired by XXXX and are now being dismissed as AES has been receiving payment on loans XXXX   doesn't actually legally own. I contacted an attorney about this, as my loans fit the description of all the borrowers who have been in these lawsuits. They are loans that were bought by XXXX during the years of XX/XX/XXXX and XX/XX/XXXX, and are serviced by AES. My attorney sent a letter to AES on XX/XX/XXXX ( I will attach the letter ) demanding proof of ownership of my loans, by providing the master promissory note within ten business days. On XX/XX/XXXX I received an email response from AES with a list of my payment history. No proof of ownership, and no master promissory note. XXXX, the " owner '' of the loan has no address or phone number anywhere, and no one has been able to contact them. I am at the point where I feel my loans have been mismanaged, and are now illegally " owned '' and serviced. I have been paying AES for over 10 years, and my loan amount is {$7000.00} higher than my original principle balance in XX/XX/XXXX. I have been throwing my money away for 10 years, and my credit is ruined because of them. This is criminal ... and there are hundreds of complaints on the XXXX XXXX XXXX about these companies doing this to others, and wreaking havoc on the lives of people. I want this made right! I am terrified to waste another XXXX, as it's not even helping my loan balance, but instead they are manipulating everything to make MORE money. Please help get XXXX and AES shut down for the sake of XXXX XXXX. Lives are being ruined by them.
Consumer complaint received 2022-08-16
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-08-28
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. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX, 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.
Consumer complaint received 2022-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

I live in a condo, and our XXXX  covers flood insurance. Mr. Cooper has been charging me for flood insurance every year since XXXX. We, the homeowner, are required to send them the coverage page every yeear when it renews, which I have done. They hae not applied it. This year I called on XX/XX/XXXX and was told to email it to XXXX separate addresses and also uploaded it in the XXXX portal. They are still charging me, they have been doing this since XXXXThey owe me money and I spend days on calls getting transferred to different numbers and it still has not been resolved. I do not know what to do at this point.
Consumer complaint received 2019-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: M&T BANK CORPORATION (MD)

Two Privacy notices, were provided by M & T bank and and a company named XXXX XXXX XXXX in addition to a mortgage interest statement. The issue is the amount of information that can be shared by the institution and institution affiliates. 

7 rows of reasons we can share you personal information. While 7 rows of reasons were shown both M & T Bank Corporation and XXXX XXXX XXXX can share all 7 rows of information without the account holders consent. Additionally only 3 of the seven rows can be limited by the consumer for sharing. The consumer also has to opt out of all sharing by calling the institution. This is the opposite of most consumer services where companies are limited from disclosing or sharing information at all unless the consumer consents.
Consumer complaint received 2019-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX  XXXX XXXX # XXXX -each bureau reports a different date of last activity Date TransUnion ShowsXX/XX/XXXX XXXX   Shows XX/XX/XXXX XXXX Shows XX/XX/XXXX XXXX, TransUnion, XXXX is showing a monthly payment as well as a past due on closed account of {$1000.00} how is this possible? ( THIS ACCOUNT NEEDS TO BE DELETED PLEASE ) This is how I know that it wasn't a proper investigation. FCRA is very clear about the law.
Consumer complaint received 2022-07-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MN)

I listed a {$1500.00} sofa on XXXX XXXX. Scammer sent photos of fake XXXX transfers claiming I had to first send him {$250.00} in order for his {$1500.00} to go through - claimed it was a business account requirement. I fell for it. My bank Wells Fargo will not cover under insured account even though weve been their customer for over 40 years. The scammer asked for a second transfer and I blocked them at that point.
Consumer complaint received 2020-09-15
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: Experian Information Solutions Inc. (FL)

I HAVE CHECKED MY CREDIT REPORT THERE WAS SEVERAL INQUIRES ON MY CREDIT REPORT THAT I DID NOT DO.SOMEONE USE MY NAME TO APPY FOR CREDIT FRAUDULENTLY I HAVE INCLUDED MY FTC REPORT
Consumer complaint received 2019-11-19
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: CAPITAL ONE FINANCIAL CORPORATION (MN)

I had sent in a check in regards to a payment towards my Cabelas credit. I sent In a check as a payment method. I then recently found out short afterward the payment was not received. As you can see I am a honest loyal person I pay my credit card on time. I am currently trying to buy a house but this is reflecting my credit. I am asking for this error to be fixed in the system and not reflect as non paid. I would greatly sincerely appreciate it and help me buy my house.
Consumer complaint received 2022-08-16
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. (TX)

On XX/XX/2022, I called Citi 's stolen/lost credit card number to report several fraudulent charges against my account. At the time, I had provided a police report that confirmed the card was stolen from the mail, activated, and used by the fraudster. This police report details the arrest of the perpetrator, including documented evidence of this card in their possession. Despite this overwhelming evidence, Citi refuses to dismiss {$120.00} in fraudulent charges, and insists that information provided by the merchant that doesn't match my information stands as substantial evidence.
Consumer complaint received 2019-01-25
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Slovin & Associates Co., LPA (OH)

I had a truck loan that was repossessed unlawfully. The company turned around and sold the truck for way under what the truck was worth but continue to bill me for the remainder of the loan which is predominantly interest as this is a subprime auto loan. I have an attorney and they were notified that I was filing bankruptcy so they hurried to file suit. I decided not to file bankruptcy very recently and was going to settle with the company but all of a sudden I have a garnishment on my paycheck for {$560.00}. I can not afford that payment amount and can not afford my bills now. I want to find out how much the loan company is ACTUALLY out from the truck without interest as I know it is not the {$6000.00} they are trying to charge me. The truck was never worth that amount. I was tricked by the dealership into even signing for this loan. XXXX and XXXX XXXX trick customers into loans they can not afford and then repossess and that is how they make their money. Slovin and Associates is who garnished my wages for XXXX. I need help with this company. I will pay what I myself caused, but not {$6000.00} to a greedy company making money off of customers who are desperate and easily tricked. This is unfair and deceptive. I want to settle on this and stop the garnishment.
Consumer complaint received 2019-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (CA)

First, here is the description of events : In order to provide a current credit score to my company required to start work on a contracted project, I attempted to use Experian 's free credit report service. However, I kept encountering an " internal server error '' and even one time was greeted with their inability to verify my identity ; despite listing a full SSN, current address, phone number, birthdate and full name including middle initial.

The website provided a phone number to call per the error, but it only allowed for connection to information on how to do things online, and at no point could I simply ask for a representative. In order to reach a person, I ended up having to select the option that a minor 's information was being reported online. Even trying to select that I was having a fraud issue would not provide a human representative ( after three attempts to use phrases like " representative '', " operator '', " person '', " connect me to a human '', the computerized online system would just tell you goodbye and hang up on you ... making you REPEAT the process of providing PII through their system ( I entered or said all of my PII over and over again before I decided to see what other options might lead me to a real person ). 

Once I had reached a person, I explained to them upfront that I was not there to report an issue about the reporting of information related to a minor but was having technical issues with their site in attempting to get my free credit report. He transferred me to another representative who was willing to run my score over the phone, but she did not have the option to provide the information in an email back to me, only through physical mail. And if I wanted that report by Monday XX/XX/19, as my business requested I provide, it would cost {$20.00} to expedite. 

My Issues : I would like to state that the representatives I spoke with acted appropriately and were genuinely trying to help me. I have no fault with them. However, I do have concerns about the manner in which Experian is providing this free service that every American is legally allowed to receive once per year. 

First, if there is a technical issue, the phone number provided should allow you to speak with someone who can address the matter and then help you out. I had to resort to quasi-subterfuge simply to talk with a real person and not their limited automated response system. 

Second, the person I'm speaking with should be able to run my credit and send that report to me by email. I realize communication via email is not always easy due to security concerns but had I needed this report for a job or a place to live, this could have had a serious impact on my personally. 

Third, when advising of the reason for my escalated time frame, it should not be the burden of the consumer to pay for the company 's substandard website.
Consumer complaint received 2019-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I spoke with XXXX XXXX  customer support approximately XX/XX/XXXX inquiring about the account coming off the credit Reporting agencies. I was told by a young lady that it was set to be removed off XX/XX/XXXX, 5 years after the account closed. It is now XX/XX/XXXX I called to inquire what the hold up was, as credit cards from the same year are set to drop this year with it. After being transferred several times they explained it is up to the credit agency to remove such account not them and that there is nothing they can do at this point. They clearly dont know what is going on nor what they are doing because they havent reported anything since XX/XX/XXXX. They change there answers too frequently. I would like what was told to me to be upheld. Calls are recorded and I urge the company to go through all of my recorded phone calls over the last two years so that this can be corrected immediately. Secondly I tried to re open my account or a new one and the company wont even consider me based on my credit report but instead an internal file on me. That is no longer accurate.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

Yes I have spoken and tried to reach out to the portfolio company that's got my debt and I disputed it numerous times still get back the same information and the total was like XXXX and I told him this fraudulent activity that has been on this card numerous times from someone else without my consent or authorization and also told him it was national disaster as well during covid-19 I lost my job so that being said I've disputed it numerous times and they still keep giving me back the same information and I told him I was not going to pay because of the fraudulents and the national disaster went back in XXXX so if you could please help me get this off my credit report I would really appreciate it.XXXX also it has been reported it was closed now they still trying to open it and keep trying to collect
Consumer complaint received 2019-01-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Eagle Financial Services, Inc. (OH)

I was taken to court by eagle loan I have a court agreed payment.i have been paying on this until XXXX XXXX  which is the attorney for eagle decided to refuse payment and saying I breeched the contract.this loan was for my husband and I and without warning they have refused payment and sent out a garnishment to my husband 's wages.i tried to speak to XXXX XXXX today but they don't care and stated a breech had occurred and I didn't send there 15 day notice back to them.i have never seen anything in my contact from the court about this.XXXX XXXX refuses to send me statements I have requested and the balance has gone from XXXX to XXXX I have been paying on bthis since last year and the balance keeps riseing.with the upcoming wage garnishment we can no longer afford the basic nessary things and have no choice but to claim bankruptcy and when I asked XXXX XXXX to please stop and let me continue paying they refused.
Consumer complaint received 2019-09-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (LA)

We called Rushmore Loan Management Services in California on XX/XX/XXXX to request a payoff amount on our home improvement loan. Spoke with someone named XXXX. He said that he could not give us that. I asked why not, & he said it was their policy that they could either fax it to us or mail in about a week. So, today, I tried paying the monthly premium online, and then paying the balance of the amount shown on the page online. It would not let me pay it. We have the funds in our bank account to pay it off. Please help.
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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
Consumer complaint received 2023-12-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

On XX/XX/2023 - A bank impersonator entered all three accounts, added mobile deposits, and processed through not from my phone. 2. Moved payments from all accounts to the account attached to my cash app account. 3. Deposited into my cash app account in the amount of {$1200.00}. 4. Withdrew {$1200.00} and sent it to XXXX XXXX ( $ XXXX ). Cash app support keeps giving multiple questions from different Bot chatters. Each Bot Rep keeps denying my claim for not answering their questions. I have answered the questions in the order I received them. I keep getting the following general message in my email. Hello, my name is XXXX, and I am your Cash App Account Specialist. Thank you for providing that information. We compared the transaction you brought to our attention with your account history. Based on the information you provided, our investigation led us to determine that this transaction ( s ) was authorized by you or someone authorized to use your credentials, and no error occurred. As a result, your claim has been denied and closed. 
Desired settlement : Refund : Report to XXXX XXXX that I did not authorize the charge, which was FRAUD. 
Money paid to business XXXX XXXX : XXXX
Consumer complaint received 2019-01-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates (MI)

ON XX/XX/2019 I DISPUTED THIS MEDICAL ACCOUNT WITH ALL 3 CREDIT BUREAUS, IT WAS REMOVED FROM XXXX BUT STILL REMAINS ON XXXX  AND XXXX. I NEVER RECEIVED ANY LETTERS REGARDING THIS ACCOUNT TOTALING {$120.00} BEFORE IT WAS PLACED ON MY CREDIT FILE. I CALLED LJ ROSS ASSOCIATES AND SPOKE TO A REPRESENTATIVE. I INFORMED THIS PERSON I HAVE MEDICAL INSURANCE AND DID SO DURING THE DATE LISTED ON CREDIT REPORT FOR THIS ACCOUNT AND MY MEDICAL INSURANCE COVER MY MEDICAL CARE 100 %. THE REPRESENTATIVE STATED THEY WOULD CONTACT THE ORIGINAL CREDITOR TO TRY TO OBTAIN INFORMATION ABOUT THIS ACCOUNT. LJ ROSS VERIFIED THIS ACCOUNT RECENTLY WITH BOTH XXXX AND XXXX.
Consumer complaint received 2019-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CA)

I contacted XXXX back on XX/XX/XXXX I was told that my loans would go automatically go back forbearance until I receive a determination. It is now XX/XX/XXXX, my loans are now back into repayment. My Borrower Defense to Repayment is still valid an should be processed in a timely matter.
Consumer complaint received 2019-01-24
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. (TX)

Today ( XX/XX/2018 ) I learned my outstanding mortgage balance is nearly {$10000.00} higher than it was a month ago. I called XXXX XXXX XXXX XXXX  to get it either 1 ) corrected or 2 ) explained why this occurred. Instead of providing help they asked me to send them evidence and mail them a credit dispute. 

I'm mailing the letter tomorrow and will attach the screenshots showing the discrepancy between what TransUnion and XXXX  ( XXXX XXXX ) and XXXX XXXX app. 

Additionally, considering how fraudulent XXXX has conducted themselves in the past, I'm inclined to not pay another mortgage payment until this is resolved.