davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NV)

I have submitted applications for XXXX  Loan forgiveness as a XXXX  and XXXX XXXX in a XXXX XXXX XXXX  working for 6 years. I have been denied 4 times and given conflicting and false reasons for the denials. 
XX/XX/XXXX- Denied for missing information from CAO. I have a copy of my submitted application and all information is present. Called and representative could not give me information and what was missing as their retrieved copy showed all information being present. 

XX/XX/XXXX-Denied for exact same reason as before and again not helped when called. 

XX/XX/XXXX-Denied because my XXXX  was not listed on the low-income directory until the XX/XX/XXXX XXXX   year. I call and representative tells me to reapply at the end of the XXXX  year on XX/XX/XXXX. 

XX/XX/XXXX-Denied because missing CAO employment dates despite my copy of the submitted application having the dates and information all present. Plus denied because my XXXX  is not listed on the low-income directory! I've checked the directory which shows my XXXX as well as this information being the exact opposite of the last denial reasoning.

I don't know what to do. I make copies of my applications, I call, and email XXXX XXXX. The representatives pull up my application and are always at a loss as to why I was denied based on missing information. The issue regarding my XXXX  not being listed is simply beyond me. I need help, please.
Consumer complaint received 2022-04-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams & Fudge, Inc (KY)

Due to unforeseen circumstances I had to dropout of college. i received a notice of debt owed to XXXX XXXX  University I received a call from a debt collector advising me about this debt, I agreed to establish a payment plan with the agency assigned the debt by XXXX to make monthly payments and avoid bankruptcy. In doing so it was agreed that the debt would not get reported to my credit report. i have been making payments every month as agreed and have learned once access was gained to my XXXX XXXX that the company is reporting to XXXX XXXX and has been doing long before the collection company called me. This company did not notify me by mail prior to the phone call mentioned above and then reporting this to the credit beaureus not allowing me to dispute or validate the charges. This needs to come off my credit now. This debt collector is in direct violation of FCRA.
Consumer complaint received 2022-04-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (GA)

I have tried contacting a loan officer multiple times while waiting on hold for hours after receiving an email that my loan consolidation would not go towards my XXXX. This was not my understanding of XXXX and I have worked hard in public service to work towards my loans being forgiven. My thought was to consolidate direct loans to my unsubsidized loans, which is a very difficult process to navigate. I spoke with a customer service agent recently who confused me more than I already was. Now I have to start all over with my XXXX  and this is such a disaster. I really need help because I did not make all those payments with the intentions of starting over.
Consumer complaint received 2020-11-22
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (FL)

On XXXX XXXX, 2015, my monthly auto payments for my XXXX were not going through and I was out of the country in XXXX. I thought my car was on auto bill payment but it wasn't. I ended up staying in XXXX for longer than expected and while I was out of the country the car went into collections. They never notified me of the rejection and and now I am unable to finance a car because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2019-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Phoenix Financial Services LLC (FL)

phoenix financial services resubmitted a old account as new from XXXX which is about to fall off on all three of my credit reports with a date of XX/XX/XXXX this is old and should be taken off.
Consumer complaint received 2018-06-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MI)

Navient cashed my check of {$7000.00} on XX/XX/XXXX.  When it didn't credit my account, I called and was told that the payment was sent to the wrong address and that it would take 4-6 weeks to get my refund. 

Refund NOT received by XX/XX/XXXX. Told that refund was sent to department of treasury on XX/XX/XXXX and that processing takes 4-6 week before I receive refund via US mail. I will receive refund by XX/XX/XXXX. **Requested letter that documents this, but the letter has not been received. 

Refund NOT received by XX/XX/XXXX. Told that the check was approved by Dept of Treasury on XX/XX/XXXX. I should wait another week and call back. 

Refund NOT received by XX/XX/XXXX. Told that the check was processed incorrectly and will be another 2 weeks. They will send money electronically to speed up process. **Requested letter to document this, but letter has not been received. 

Refund NOT received by XX/XX/XXXX. Told that my account does not show that the check has been sent. The US Treasury has approved the payment, but we have to wait on them. Told to call back tomorrow. ***Said a " manual '' letter, documenting this problem has been drafted ( but I have not received any letters as of XX/XX/XXXX. )
Consumer complaint received 2022-04-03
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. (AL)

The reasons why this is violating my rights by not following Federal Law as Authorized.

The Federal Credit Reporting Act Requires the CRAs ( Credit Reporting Agencies such as yours to have PHYSICAL COPIES of the contract documents signed with creditors bearing my WET INK signature that are being reported, but everything that is being reported here is transferred electronically, not face to face or by mail. This means that you the Credit Reporting Agency do not review and or verify any credit application, signed contracts or any documents whatsoever that you are reporting and that is in direct violation of the law. None of the items listed below BELONG TO ME and have NOT been verified and or validated as belonging to me and are considered fraudulent and should therefore be deleted immediately.
Consumer complaint received 2021-09-05
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: CBC Companies, Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I was recently in the hospital for major XXXX on my XXXX  a year ago. I just now have got back to work. I discovered that my credit file has over 72 inquires for transactions that were never authorized by me. I have only XXXX XXXX as my only business dealings. I would never run my credit 72 times that is insane and unnecessary. Please delete the following inquires Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b et seq. ) I never made these inquires : 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. I have some issues also with unrecognized addresses on my credit file Please delete the following addresses : XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX  XXXX, OH XXXX I would like a full copy of my credit file.
Consumer complaint received 2022-04-03
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. (AL)

The reasons why this is violating my rights by not following Federal Law as Authorized.

The Federal Credit Reporting Act Requires the CRAs ( Credit Reporting Agencies such as yours to have PHYSICAL COPIES of the contract documents signed with creditors bearing my WET INK signature that are being reported, but everything that is being reported here is transferred electronically, not face to face or by mail. This means that you the Credit Reporting Agency do not review and or verify any credit application, signed contracts or any documents whatsoever that you are reporting and that is in direct violation of the law. None of the items listed below BELONG TO ME and have NOT been verified and or validated as belonging to me and are considered fraudulent and should therefore be deleted immediately.
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Please be advised that you are reporting incorrect personal information on my credit report. I need the following information updated as soon as possible. 

My only names are : XXXX XXXX My current address is : XXXX XXXX XXXX XXXX GA XXXX My current phone number is : ( XXXX ) XXXX My current Employer is : XXXXXXXX XXXX XXXXXXXX XXXX Please remove the following personal information from my credit report. My identity has been mistaken. 

Incorrect Name : XXXX XXXX Incorrect XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX, XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX Incorrect XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX 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 2023-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 2022-10-09
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P. (GA)

I have received many harassing emails from this company in regards to them attempting to collect multiple debts. I am still receiving letters and emails after I requested them to stop contacting me. LVNV is not licensed to collect debts in the state of Georgia. Which makes the constant emails and letter illegal. I have sent letters to the company requesting them to cease contact with me with no response I have verified that LVNV is not licensed to collect debt in Georgia by searching the consumer access site using XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (MA)

Dear COMENITYCAPITAL/ZALESXXXX ; ( Account Number XXXX ) I was shocked when I reviewed my credit report and found late payment on the dates below : ( from XXXX XXXX ) I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly XXXX, XXXX XXXX XXXX XXXX XXXX, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (TX)

In accordance with the Federal Credit Reporting Act the following creditors have violated my rights : - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.Code 1681 Section 602 states I have the right to privacy. 15 U.S.Code 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.Code 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-09-05
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: EQUIFAX, INC. (MA)

I have previously disputed this account with the bureaus and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me - the alleged account holder - there is no way the bureaus were able to verify this! I'm invoking my rights as a consumer under Federal Law and the bureaus are choosing to blatantly just ignore me.
Consumer complaint received 2017-12-20
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: SCA Collections, Inc. (FL)

I contacted XXXX a couple of months ago concerning SCA Collections reporting to them a medical bill that does not belong to me. Both XXXX and SCA have blatantly ignored my requests and continue to report false information in my credit report. It is ridiculous how companies are allowed to get away with reporting whatever they want and the consumer having to jump through hoops to straight out THEIR mess. If this does not resolve the issue, I may be forced to take legal action. This is the second complaint I have filed with the CFPB. The medical bill DOES NOT belong to me! Secondly, this company IS NOT LICENSED to collect in the state of Florida so even if the debt were mine, which it absolutely is not, SCA is illegally attempting to collect. Why do n't they have to furnish a license? Why are they able to get away with illegal practices? I request ANY AND ALL documentation supporting their claim that this bill was acquired by me. I need a signed contract between myself and SCA Collections to prove validity of this debt. I will not back down. This is MY credit and MY life! I will not let this go!
Consumer complaint received 2020-07-06
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. (TX)

I sent multiple credit disputes with these companies asking them to investigate items on my credit that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results have not abused by these laws.
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

n accordance with the fair reporting credit act these accounts has violated my rights ( public record reference number XXXX XXXX  XXXX XXXX account number XXXX ( XXXX balance XXXX XXXX account XXXX ( XXXX balance XXXX XXXX account XXXX. ( XXXX balance XXXX account XXXX. ( XXXX balance XXXX XXXX  account XXXX XXXX  account XXXX ( XXXX balance 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 i have disputed and have prepared my documents for damages after disputed it has been told to me that this information was furnish by the furniture. i submitted a letter from the court stating that this info is not shared nor does it has any information as such the court does not share this or report this information to anyone. this is a lie and i want it removed immediately i have been extremely challenge credit wise want is owed to me.
Consumer complaint received 2021-04-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

My Paypal account has been permanently limited/blocked and was sent an email that I can no longer use Paypal and would be able to get my funds released after 180 days. They haven't specified as to what was the reason my account would be blocked. 

As they have requested, I provided proofs or kind of explanation that the payment I received was from a sale of digital goods and services on my Paypal account, thus, no tangible items were involved, no physical items to be shipped, etc. However, I was able to explain what the source of payment was for, which was for the virtual transactions of goods and service I provide for online gaming like, level-up tasks and online gaming items I sell, which are all virtual items, no physical items that needs to be shipped. 

I would like to ask for your help to restore my account and access my funds through Paypal. 

My Paypal account email : XXXX XXXX : XXXX
Consumer complaint received 2019-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

XX/XX/2019 this company 's system is not updating correctly. They are charging people XXXX for each transaction which results in high amounts of overdraft fees. They are rude when you call into customer service and they don't have contact information for the cooperate office. They are charging me excessive overdraft fees and then making like I am in the wrong because their systems are not updating correctly.I want to be contacted by XXXX XXXXXXXXXXXX the president and I want these high overdraft fees removed.
Consumer complaint received 2021-05-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

My Name is XXXX XXXX, a XXXX Investor at XXXX. I have recently suffered a loss in Coinbase.com. 
I have this account since XXXX. In XX/XX/XXXX, my account was unlocked for 1 month and half. After a lot back and forth with XXXX the account was finally unlocked on XXXX XXXX. On XX/XX/XXXX for the first time I went online to sign in, I watched in real time as my portfolio went down and down in value, ,from the time I logged in, to the time I that happened, it was XXXX XXXX And in those XXXX XXXX, there XXXX XXXX  with XXXX separate transactions. The rapid-fire transactions in this case consolidated all of my virtual currencies including bitcoin ( XXXX BTC ), ethereum ( XXXX ), litecoin ( XXXX LTC-USD ) into bitcoin cash ( BCH-USD ) XXXX XXXX XXXX approximately {$27000.00} ), then exported the funds to the external following account to XXXX After reaching out to XXXX they came the devastating news : XXXX said it was unable to reverse the transactions, attributed the loss to a SIM Swap -remote takeover, and advised him to report the matter to law enforcement. Reference Case # XXXX - My Account has compromised and has been hacked.
Consumer complaint received 2021-05-04
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)

This account should have never been written off. It was pending payoff from insurance when I was XXXX and I was told I could stop paying. When it was charged off they told us they would reverse the fees upon pay off. In XXXX they received their payoff and never reversed the charge offs or fees. I opened up an investigation two times and no one called me with results like they promised and never took off fees as promised and never reversed charge offs as promised. Please note entire balance of card at time of XXXX when they told me I can stop paying was paid in full. The only balance remaining is the fees they told me not to worry about
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: Resurgent Capital Services L.P. (NY)

CREDITOR NAME : XXXX XXXX  XXXX XXXX : {$3500.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : LVNV FUNDING LLC AMOUNT : {$18000.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXX XXXX XXXX XXXX AMOUNT : $ - DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2021-04-15
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. (TN)

I have provided proof that XXXX XXXX XXXX is reporting the wrong balance to my credit report. They have even sent me a letter providing my balance. XXXX is reporting false on my credit report. This is a violation