davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-12
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (MN)

XX/XX/XXXX I submitted a " Total and Permanent XXXX '' form by my Doctor from XXXX XXXX XXXX XXXX, XXXX, MN to the U.S. Department of Education for a discharge of my student loan which took effect that year. Now 6 years later The U.S. Department of Education 's Loan Servicer " XXXX '' of XXXX, XXXX ( XXXX ) XXXX is trying to collect on this discharged loan.They are lying telling me over the phone that they have no information about my XXXX loan discharge and that XXXX took over as a New Contractor for Dept.of Education in XXXX. They Maliciously had their collection agency " Debt Management and Collection System '' take my XX/XX/XXXX EIC tax refund of {$63.00} and my XX/XX/XXXX Minnesota tax refund {$1500.00} this is theft. I filed a Complaint with the Minnesota Attorney General 's Office. Now these vindictive people has a 3rd party collection agency PBCM of Colorado harassing and threatening me for a debt I do not owe! These malicious and lying people at XXXX are requesting another Discharge Application from my Doctor and/or Social Security Admin. to again discharge this loan a second time, this is Fraud! Please tell this collection agency PBCM in XXXX XXXX, CO ( XXXX ) XXXX to stop calling and hanging-up on me, they are in violation of the Fair Debt Collection Practice Act. Please tell PBCM collection agency to Cease and Desist and for them and XXXX XXXX and XXXX XXXX ( XXXX. XXXX XXXX, XXXX XXXX, MO ( XXXX ) XXXX ) to return my money they have stolen from me and Cease and Desist from taking my tax returns. 
They have also violated the 120 grace period from XX/XX/XXXX since filing my Discharge they were not supposed to take my tax refunds under this 120 day stipulation. These people are all unlawful.
Consumer complaint received 2019-08-12
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. (MO)

An account is being reported incorrectly on my report. It is through XXXX XXXX XXXX, a Collections Agency, account number XXXX. The collection was originally through a lender called XXXX. The reference number at XXXX XXXX XXXX for this issue is XXXX. This account has been CLOSED with a PAID IN FULL status since XX/XX/2016. However, this information has been incorrectly reported by all three bureaus. XXXX XXXX XXXX  and all three bureaus have been contacted about this issue multiple times, but nobody is any help. I have a correspondence from XXXX XXXX XXXX, verifying that I am correct that the account is in fact Closed and Paid in Full. But it isnt reported that way. TransUnion reports the item as Open and active in collections. XXXX reports the item as a Charge Off, meaning that I still owe money for the account. XXXX still shows the account as Open in collections. This account should not be displayed as Active or Open in collections. It should be Closed. I should have zero accounts active or open in collections. It should be displayed as Paid In Full, not as a Charge Off. I am trying to refinance my mortgage and this issue is causing me undue financial stress. I do not want to have to file suit under the Fair Credit Reporting Act but its at the point I may have to.
Consumer complaint received 2021-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (GA)

On XXXX/XXXX/2021, I, the consumer, received notification that the XXXX XXXX XXXX XXXX XXXX executed two unauthorized electronic funds transfer for {$32.00} and {$0.00} via my PNC debit card. I received no benefit from the transaction. I contacted PNC Bank to dispute these transactions on XX/XX//2021 but to date, I have only received a refund for the transaction of {$0.00}.
Consumer complaint received 2023-03-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (FL)

In the last 6 months I have written all 3 credit bureaus about credit card debt that is not mine. The original creditor closed account permanently and sent letters to me to do so due to inaccurate information. On my credit report on all 3 credit bureaus they have the same company called LVN FUNDING LLC reported the same 3 credit cards as currently owed as of XX/XX/2023. This is inaccurate reporting and is against the 609 and 611 laws. At this time I do not know what else to do but file a formal complaint. Thank you for taking the time to assist with my request. Information about the debt or credit reporting is below. 

XXXX XXXX XXXX XXXX  Account number - XXXX Amount XXXXXXXX XXXX XXXX XXXX Account number - XXXX Amount XXXX XXXX XXXX XXXX Account number XXXX Reported by LVNV FUNDING LLC XXXX XXXX XXXX XXXX  SC XXXX XXXX
Consumer complaint received 2022-04-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX CHILD SUPPORT ENFORE XXXX Balance {$12000.00}, XXXX XXXX XXXX Balance {$190.00} Equifax : XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, ATTORNEY XXXX XXXX Balance {$12000.00}, XXXX XXXX XXXX Balance {$64.00}, XXXX XXXX XXXX Balance {$64.00}, XXXX XXXX XXXX Balance {$64.00}, XXXX XXXX XXXX Balance {$340.00}, XXXX XXXX XXXX Balance {$64.00}, XXXX XXXX XXXX Balance {$57.00}, XXXX XXXX XXXX Balance {$1800.00}, XXXX XXXX XXXX {$670.00}, XXXX XXXX XXXX Balance {$4400.00}, XXXX XXXX XXXX Balance {$700.00}, XXXX XXXX XXXX Balance {$1900.00}, XXXX XXXX XXXX Balance {$190.00}, XXXX XXXX XXXX  Balance {$1300.00XXXX XXXX XXXX XXXX  Balance {$1900.00}
Consumer complaint received 2020-11-21
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: EQUIFAX, INC. (CA)

I keep getting SPAM marketing from Equifax. I went onto their website to put a freeze on my information and since then, these megalomaniacs keep sending me SPAM. I went to the Equifax website and there is NO WAY TO OPT OUT OF MARKETING on their site. Instead, they have a " toll free '' ( who pays for long distance in 2020? ) number to call that is the general number for EVERYONE who is having a trouble with these money-grubbing XXXX. And guess what? NO ONE EVER ANSWERS THE XXXX PHONE. They are using my email address inappropriately. I have a right to NOT receive their marketing XXXX. They SHOULDN'T ( a moral imperative ) require me to sort through their XXXX because I want certain alerts. And they make it so hard to stop, it's not reasonable. They are using computers to harass me daily with spam, yet I can't use my computer after logging into their site to STOP THEM. It's unfair, unreasonable, and in California, it's illegal.
Consumer complaint received 2021-02-02
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: EQUIFAX, INC. (TX)

credit bureau is continuing to allow XXXX system to report false and fraudulent information on my report. I have attempted to resolve this with them since XX/XX/2020. XXXX  is attempting to collect a debt for direct energy which does not exist and never has. i contacted them directly and they have no trace of information that relates to me. its false. ive asked several time on multiple requests for proof and it nver has been provided ( once again i knew they couldnt provide because the account with direct never existed ) its for the total of {$230.00}
Consumer complaint received 2019-11-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (TX)

I requested a loan online and received a positive response the following day. Before receiving the response I emailed and called lending club to tell them I didnt want the loan after all as I had gotten a better one through my bank ( XXXX XXXX XXXX XXXX ). They told me it would take a couple days to show up and when it did I needed to call them back. I did so. They told me I would be able to use their 30 day policy for refunding the loan without any fees if I could keep it from getting to my bank. I told my bank. They werent able to do a stop payment on an ACH transfer so I called lending club and let them know. They told me that Id just have to get the money consolidated into my bank account and then give it back. I told my bank to do so. They did. The money remained in the account it had deposited into for a full 30 days while I repeatedly asked lending club through email and phone calls to take the money out. They kept telling me just to pay it off. I told them no I wouldnt because I didnt want it and they had a refund policy so they kept saying they would take the money out right up to that XXXX day, even sending an email to me saying that they had indeed taken the money out and this was a receipt for them having done so. Then I got a phone call from their payment dept asking me to pay them the first payment. I told them no I wasnt going to pay the payment but the money was in my account please take it out. They waited until the day after the XXXX day to tell me that the transaction had actually failed. They claimed this was due to insufficient funds and it was my banks fault. I called my bank. They told me the contrary. They said the transfer of funds had bounced back but that it was an issue with the lending club. I called and told lending club this and they said since the 30 days had passed it no longer mattered if I had intended to get the money to them and had made every effort at stopping the loan from coming to me, every effort at returning it, and been extremely patient for the entire month - now they have sent me a collections letter. I have tried everything in my power to handle this but it seems as if this is a scam. 
XX/XX/XXXX XXXX $ transfer to XXXX accts Emails and phone calls to XXXX XXXX and LC XX/XX/XXXX Emails XX/XX/XXXX from LC to me acknowledging the cancellation Emails on all the dates following asking them to please cancel this loan and them acknowledging my attempt to cancel : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX for the hundredth time I dont want this XX/XX/XXXX receipt of collections letter from XXXX from Lending Club for the past due balance of XXXX XXXX This is a far greater amount than the original terms and apparently theyve been taking money from my bank account for payments as well.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Pertaining to complaint # XXXX All three bureaus are resolving only one aspect of my demands. Appreciate the deletions, yet the timelines in with the FCRA expresses, are not of 60 day thresholds. I would like to enhance my credit standing in a timely manner. 


Please refer to XXXX  see attachments Complaints filed, regarding XXXX and XXXX, XXXX XXXX, and XXXX XXXX.
Consumer complaint received 2021-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

i pay my mortgage with " myloancare '' online through their website, it has been almost 7 days now where i can not access the website. i have tried from numerous devices to access the website and every time i receive the prompt " the site can not be reached. '' i have tried to pay through the phone by using their automated system. the system told me my payment was processed, yet no evidence of a payment confirmation has shown. every time i make a payment i receive an email confirmation that a payment has been made. i have not received one yet. usually within a few hours, it shows that the mortgage bill is processing in my bank account which has not happened yet either. 

i feel like it is extremely difficult to pay my mortgage which i personally am more than willing and able to pay, the payment systems they offer dont seem to be working and it is becoming increasingly worrisome that if my payment is not made on time that i will receive repercussions for something that is not my fault. the company has not seemed to communicate anything reguarding this issue. upon checking online there are other consumers who are facing the same issue.
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

XXXX ; Experian and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has since been paid in full. I was charged {$2.00} in interest AFTER the account had been closed. This charging of interest after the account was closed is ridiculous. These lates reporting are seriously harming my credit score and these lates need to be removed from my credit report. I have attached a copy of my XXXX statement for XXXX showing the account was closed and I have also attached a copy of the XXXX XXXX statement which shows the interest of {$2.00} being charged. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. Again, please remove these lates that are reporting.
Consumer complaint received 2022-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (GA)

I had my cell phone stolen and used via XXXX  to strand get funds out of my bank account and they gave me a credit but proceeded to take it away and everytime I call they say they will email me a rebuttle form but never does. They even said they would send one to my mail and never did. It was only for 750 $ so I dont understand why they are making it a big deal.
Consumer complaint received 2021-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Payment Option : Direct Deposit Bank or Credit Union Name : CAPITAL ONE N.A. 
Routing Number Ending In:XXXX Account Number Ending In:XXXX Account Type : Checking The texas department of workforce commission has not deposited the direct deposit into my XXXX checking account as instructed, capital one is indiciating that the federal reserve has not released the payment into the account, please help me they are stating, XXXX is stating that they will reach out to upper management to make a excpetion or ask about a exception, please help that is a XXXX dollar bonus right now with covid that really helps
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX ; XXXX  and Transunion should not be reporting that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has since been paid in full. I was charged {$2.00} in interest AFTER the account had been closed. This charging of interest after the account was closed is ridiculous. These lates reporting are seriously harming my credit score and these lates need to be removed from my credit report. I have attached a copy of my XXXX statement for XXXX showing the account was closed and I have also attached a copy of the XXXX XXXX statement which shows the interest of {$2.00} being charged. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. Again, please remove these lates that are reporting.
Consumer complaint received 2021-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On Saturday, XX/XX/2021 I reviewed my online account with Huntington Bank and immediately noticed that {$750.00} had been fraudulently deducted from my checking account on XX/XX/2021 via a method shown as " Substitute Check ''. The check image for the transaction is available and it clearly shows that my name and address are not on the check, and my signature is also not on the check, yet Huntington Bank allowed the transaction to go through and be deducted from my account. The account holder name on the check is " XXXX XXXX XXXX '' and the address is from another state. 

As of Tuesday, XX/XX/2021, Huntington has not removed the fraudulent transaction from my account, nor has Huntington Bank contacted me.
Consumer complaint received 2021-05-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (MI)

use citi bank promo bonus {$700.00} if i open account and deposit {$50000.00} and hold this funds for requre time.On due date my bonus wont appear on my account. Customer service agree that i met all terms, but they dont have authority to make decision.I feel betrade, played and disapointed that huge bank like this used my hard earn money to enrich themselves and not to keep theiroffer contract
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax SETTLEMENT - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX CARD - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2019-11-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: KEYCORP (OR)

I am attempting to improve my credit score so that I can refinance my private student loan to lower my monthly payments. I also am in default of a private loan with that same loan servicer ( XXXX XXXX XXXX holds my student loans, XXXX XXXX holds my defaulted private, non-student loan ). I was previously working with XXXX XXXX XXXX to manage my non-student loan debt and went into default on my private loan with XXXX XXXX as part of that program. However, I elected to step away from XXXX XXXX XXXX and resolve my collections debt on my own. I continue to get negative marks on my XXXX XXXX private loan for missed payments instead of that debt being sold off to a collections company. I believe that XXXX XXXX is intentionally doing this in order to keep my credit score low and prevent me from refinancing and going to a different loan servicer for my private student loans. See CFBP complaint with my previous dealings with this loan servicer : XXXX.
Consumer complaint received 2021-07-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (PA)

I have used Venmo for several years. 
My bank funding sources randomly become blocked on the Venmo platform and Venmo 's response has been to use another bank. They provide no explanation nor solution other than to use another bank. 
I have used XXXX XXXX  and XXXX XXXX  as my funding sources, and my accounts with those banks have been successful in using Venmo ( for months at a time ), then all of a sudden, my transactions using those banks, become blocked. No reason, no explanation and no solution has been offered by Venmo other than to use another bank. 
I have used 3 different accounts that I hold at XXXX XXXX  and XXXX XXXX  and I find this to be unacceptable. 
I have called my banks and both say the problem is not on their end and in my contact with Venmo, they say to try again or use another bank. 
I am being discriminated against for unknown reasons and I want my bank accounts with domestic US financial institutions to be accepted for transactions ( again, they worked for months, are valid, but now, all of a sudden, Venmo has blocked them ). 
My most recent request # with Venmo for this issues is XXXX. 
Please assist.
Consumer complaint received 2021-02-02
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. (MI)

I contacted XXXX XXXX and TransUnion online and I also sent out my credit report along with my dispute and supporting documentation via Certified Mail. It is pass 30 days and I still haven't gotten a response. Section 609 of the FCRA states that you must investigate my dispute within 30 calendar days from my initial letter. As they have failed to do so. I sent my first dispute letters via mail XX/XX/XXXX and I sent my follow up letters XX/XX/XXXX via mail. Please help me correct this issue. Thanks
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Medical Data Systems, Inc. (VA)

XXXX XXXX were rendered by XXXX XXXX XXXX XXXX  XX/XX/21 the Alabama statute of limitations for medical debt is 2 years this account is still being reported and should be closed with derogatory marks removed as its been reported for 4 months past date of limitations were up
Consumer complaint received 2022-04-02
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # 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