davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IL)

I submitted my loans for the Public Student Loan Forgiveness ( PSLF ) program and my loans were transferred from XXXX to XXXX XXXX. In doing this, I submitted forms that verified my eligible employment for PSLF and received confirmation that I was working from an eligible employer for three different time periods ( I transferred within the same organization which required three different employer verification forms submitted ) I submitted the employer verification originally in XX/XX/2017. I checked my account a couple months later and saw that XXXX had only processed one of the forms despite submitting three different forms. I informed them of this and they had to conduct a manual review to resolve this process. I received confirmation of these and I waited for my number of qualifying payments to update to show my progress towards PSLF. I waited a couple months before I called and they told me I had to manually initiate XXXX to contact XXXX to verify the payment plans I was on to ensure their eligibility. I thought this would happen automatically but it did not. 

XXXX has not yet verified with Navient that I was on the correct payment plan and my status on my loans is that I still have 0 qualifying payments towards PSLF. I have repeatedly called back and been told that this process takes longer each time, first 10 business days, then 30 days, then 60-90 days,  then 6 months. I call back at each of those intervals and am now at the 6 month mark and there has still been no progress. I want to know why this is taking so long as there are many years of eligible payments that I have not yet been credited for.
Consumer complaint received 2020-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have a joint account at Capital One Bank. It is checking and savings. On or around XXXX, 2020, they changed the accounts to a 360 account and issued new debit cards. When the other account holder entered the PIN improperly too many times, that debit card was frozen. Funds to the account remained accessible and the account for the other holder also remained accessible. Only that person 's PIN was frozen. 
On XX/XX/2020, attempts to rectify the PIN issue were met with unfounded suspicion and denied. Only after a threat to close the account did this freeze on all funds occur. Both accounts were accessible until this threat to close was made. I went into the branch on XXXX XXXX and verified who I am. Later that day by email, I was advised that no one can make any withdrawals until they have proof involving the other person on the account. They refused to give me any details whatsoever.

While I understand the debit card hold, I find no reasonable basis to restrict access to the funds by way of checks and withdrawals. As a joint holder, Capital One has no basis to prevent my access to the account and has no basis to deny the payment of any checks like the rent check.

Attempts to resolve were met with resistance and no customer concern. This is illegal and the bank must be reprimanded, fined and instructed to release the hold. Thank you.
Consumer complaint received 2020-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TD BANK US HOLDING COMPANY (NY)

I am a cardholder of a TD Bank NA credit card. In XXXX I received an offer in the mail to transfer card balances to the card for a 0 percent interest offer, which I did on XX/XX/2020 via the bank 's on-line portal. I transferred balances from an account charging me 8 % interest. Once transferred I saw the balances at TD bank were being charged 18 % interest. When I spoke to TD Bank I was told that the balance transfer offer I'd received in the mail was only for people if they opened a new credit card account. Why was I being sent misleading balance transfer offers for new account holders only when I already have an account. These offers continue to arrive in my mailbox. I was misled into thinking I was receiving an offer on my existing account and am now paying 10 % more interest than before THANKS TO TD 'S  MISLEADING MARKETING PRACTICES. They should not be sending new low interest offers when you open a new account to existing customers. They are not exhibiting due care. TD bank refuses to reverse the balance transfers or address the high interest issue. Furthermore at the time I transferred the balances and received a confirmation vis TD 's on line portal, there was zero indication that this transfer was not a 0 % balance transfer and that the interest charged would be at full rate, in which case I would have aborted the transfer. Again totally misleading. Trying to get people to transfer balances thinking it is a low rate when it is a high rate.
Consumer complaint received 2018-04-06
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)

This complaint is regarding inaccurate reporting by XXXX and the lack of investigation by Experian. A charge off in the amount of {$47.00} is being reported on my credit report, yet I still have an open account with XXXX. I sent a validation request to the company and received a response with a print out of all charges that appears to be hand typed and shows no records of payments. What I dont understand is why purchases would still be allowed if there is a balance owed? Also- a few days after receiving the invalid validation letter, I was given a credit increase on my XXXX account for being a great customer ( I would prefer the charge off be removed not an increase to the credit limit ) I have reached out to both the company and Experian XXXX I was provided a print out of an account in which you are able to clearly see that it is still open but there is also a charge off for the same open account. How is this possible? Payments are made each month, if there was an overdue payment why was this not indicated and mail sent out? Why were payments not applied to my existing balance? This is unfair and inaccurate and I demand this charge off be removed from my credit report. Also, prior to said charge off that happened in XX/XX/XXXX you are able to see payments, why is it that after this charge off there are only purchases view able but there are no payments showing? This is not validation this is pulling certain information and hoping the consumer doesnt notice. 
XXXX is reporting inaccurately and Experian is allowing this. I disputed this account in XX/XX/XXXX and received a print out that validates nothing. I demand an investigation. I demand this inaccurate charge off be removed from my credit reports. I have attached the print out I received and demand this be resolved as it is hindering me from receiving credit. I have no issues with my credit. Why is this charge off reporting on an account that exists? If there was a balance due why was no email sent? Why am I unable to see this information when I login to my XXXX account?
Consumer complaint received 2018-08-07
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: EQUIFAX, INC. (NC)

I Want XXXX renders proof of my signature on a document, stating I gave them permission to sell my Bankruptcy information on to XXXX  Equifax and XXXX XXXX Credit Bureaus
Consumer complaint received 2023-02-08
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)

I sent a letter on XX/XX/XXXX to remove the items that are UNKOWN to me. 
Here are the items that needed to be investigated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-06
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. (MI)

I am a victim of identity theft. I have reached out to Transunion to see if they would clear the inquiries on my credit report due to the fact that my identity was stolen. They were not able to help. Below are the credit inquiries with the dates listed that were placed using my information without permission. 

XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX   XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2018-04-06
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. (GA)

I recently disputed collections ( XX/XX/2018 ) with all three of the credit bureaus ( Experian, XXXX and XXXX  ). I've asked them to validate these collection debts and all of my disputes were updated as verified with no further information. There are three collections : XXXX XXXX for {$340.00}, XXXX XXXX for {$870.00} and XXXX XXXX and XXXX XXXX for {$460.00} ( I don't understand why 2 different debt collectors are able to collect ). I do not recall opening these accounts nor have I given permission for anyone to open these accounts. The credit bureaus have not validated these collections ( I did not sign any contracts or anything ) ; just verified and that does not prove how these collections have come about.
Consumer complaint received 2017-11-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I m the victim of an on-line work at home scam, the work was to be a purchasing agent, the scam involved paying off my credit card balances so that I could then make purchases to be shipped, the scammer used an account from XXXX XXXX XXXX  to pay off the balances of 3 capital one cards and one card from XXXX XXXX, when I called the banks to seek fraud protection, they conducted an investigation and stated that because I made the purchases it was not fraud, when I further tried to explain that when the payments were returned back to XXXX XXXX that the XXXX XXXX account was fraudulently obtained and funded that credit cards by money transfer from a XXXX XXXX account, XXXX XXXX advised there was nothing they could do and refused to help.I have the account number and routing number that was given to me by the scammer and I have all the email documentation, a police report and a letter from the state attorney General, the banks say they conducted an investigation but did not want any of my documents to assist them on my behalf, XXXX XXXX wont discuss the matter with me stating they do not give out third party information and since I am not a customer with an account, they can not help me.
Consumer complaint received 2023-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I reached out to TransUnion customer service would not assist and take care of the negative inquiries reporting to my credit report
Consumer complaint received 2022-03-01
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. (PA)

Hi, my name is XXXX XXXX XXXX. I am reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent charges are showing negative results on my credit report. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commission 's Identity Theft Affidavit. Please remove these items as soon as possible.
Consumer complaint received 2021-06-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (DE)

Escrow analysis was performed in XX/XX/XXXX. At this time, Amerihome mortgage company erroneously requested the taxes due for the parcel belonging to our neighbors. This added approximately {$800.00} to our taxes and put our escrow in an approximately {$1900.00} shortage. Monthly payments as of XX/XX/XXXX went up from XXXX to XXXX. In XXXX, we requested information regarding this increase as our taxes had not gone up and were told that this information is accurate and in accordance with taxes paid to the county. Due to COVID closures, we were unable to gather information from the county in a timely manner. 
XXXX we were able to receive an answer from the county and learned that we were charged for our neighbors property taxes. We contacted the company via phone several times and were told requests were put in to correct this. We received no answer as to when we should expect a refund or whether we should expect one at all, and were expected to continue and make the increased payments in the mean time. 
On XXXX we contacted the company via email and received a response from their escalation department. We were then told that our payments could not be recalculated until the company received a refund from the county, and that should be expected XXXX XXXX ; however, no automatic payments will be withdrawn in the meantime according to Amerihome, and they will allow us to make reduced payments in the meantime. Today, XX/XX/XXXX, we received an email stating that an automatic payment is being processed. We have not heard anything regarding resolution of this matter, other than an email notifying us that they are still waiting for a refund.
Consumer complaint received 2021-06-30
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: EQUIFAX, INC. (NC)

I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt.
Consumer complaint received 2021-06-30
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: EQUIFAX, INC. (NC)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-06-30
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: ProCollect, Inc. (TX)

After reviewing my most recent report, I discovered some items for which I had never applied or received any correspondence. A bill sent without a signature does not suggest that the debt is legal, and anyone can claim ownership of a bill. Be warned that this is an effort to violate FDCPA 1692, which is a federal law
Consumer complaint received 2019-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (KY)

On XX/XX/XXXX Navy Federal Credit Union failed to deposit every members pay and it was late by about 2 days. They said they would work hard to fix the issue and that it would not happen again. Now here on XX/XX/XXXX they are still not posting THOUSANDS of peoples pay on time including many active duty members. I think its an attempt to get time for whatever financial obligations they have. Some of us live on tight budgets. My rent was late and will be late again thanks to Navy Federal Credit Union. I will be leaving but please get mine and others money. Many people do not have their pay checks still.
Consumer complaint received 2018-07-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

I have a mortgage with Santander Bank that is close to payoff because a sizable amount of extra money is applied to the principle each month. I made my XX/XX/XXXX payment including extra principle and Santander received & deposited the checks but did not apply the payment to my account. Up until XX/XX/XXXX, my checks were received and deposited by Santander but starting in May, the merchant name changed to  XXXX XXXX. I have made several calls and was finally told by Santander Mortgage Service on XX/XX/XXXX that my XX/XX/XXXX payment has not been recorded. I've spent time with rude Collections people and nice Mortgage Service Specialists who were not able to help me other than to give me an e-mail address to send canceled check copies to. On XX/XX/XXXX, I sent check copies and a spreadsheet showing what my payments were and what my balance should be. I have received one statement dated XX/XX/XXXX, and the loan balance on that statement went up instead of down! It is now XX/XX/XXXX and there is no acknowledgement from Santander that they have the information that I sent and are working on resolving the problem.
Consumer complaint received 2021-06-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: OKCoin USA Inc. (WA)

I opened account with okcoin.com for buying cryptcurrency and sent fund to them. After used their service, I didn't like how they don't describe themselves clearly if they saved my personal information in server for the US or XXXX. I am fearful that they have my personal information in XXXX server thus sold what I had and tried to withdraw my fund back to my US account but they saved wrong XXXX and bank name saved and confused me to sent my fund to wrong bank which was rejected in the past few weeks ago but now shows that it went thru. So I let them know about their confusing mistake holding wrong information about XXXX and bank name as one of option to chose which should have never been saved in their system for security issue. If I am having this problem and exposing my personal information in XXXX server than it should been disclosed fully in their site but they won't answer you. Now I just want my money back from them and stop them from operating in the US risking many others in same problem as I am in now. They have customer service number for the US customers but it's answering service. And their online customer service is worthless won't answer with important information and you won't get respond back from them either. I need help from US regulatory authorization dealing with them because they clearly don't care responding back to US customers. I guess it's XXXX thing. Please help me.
Consumer complaint received 2017-11-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions (OH)

On or around XXXX XXXX, Rent Recovery Solutions placed several calls to me stating I owed money to XXXX XXXX XXXX XXXX. I told them over the phone I had no clue who they were and I have never done business with them. The Rent Recovery Solutions spokesperson stated that it would be reporting to my credit report. Sure enough, it has reported to XXXX and XXXX. I filed a dispute with both companies and XXXX deleted the collection after investigating and determining it to be fraudulent. XXXX has been investigating it for over a month at this point. I am attempting to purchase a home however this fraudulent information is damaging my ability to do so. I request that the CFPB on my behalf contact XXXX and anyone required to remove this collection from my reports. I have filed a police report with The XXXX of XXXX Police. 
The collection is titled : RENT RECOVERY SOLUTIONS Ammount : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX.