davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

XXXX XXXX has created a bureaucratic customer service black hole that traps borrowers in a cycle of frustration. As if the near permanent status of indentured servitude to student loans were not oppressive enough. Their first level of representatives have no access to information or power to overcome borrower 's challenges. In addition, their phone system is difficult to hear and leads to many dropped calls. 

I received a letter from XXXX XXXX XXXX on the morning of XX/XX/XXXX that my student loan payment was returned to my checking account. XXXX XXXX had no record of the transaction and confirmed there was sufficient funds. This is the second time in 4 months this occurred. 

This happened previously on XX/XX/XXXX. At that time I made the payment and the direct debit continued successfully for XX/XX/XXXX and XX/XX/XXXX. Now the problem resurfaces in XX/XX/XXXX. 

When I called and voiced my frustration I was hung up on by the second level customer service representative # XXXX. In total, the first 3 representatives I spoke to had no help and continued to blame the wrong cause of this issue, insufficient funds, or push the envelope to someone else.
Consumer complaint received 2024-05-23
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Eastern Account Systems of Connecticut, Inc. (GA)

I do know about this debt. This debt was from my XX/XX/XXXX done by my insurance at the time. The insurance company wanted to pay the debt but the doctors office input the wrong code to get paid and was asked numerous times to submit the correct code for payment. I asked the debt collector the contact of the original debt holder but they refused. My job at the time insurance provided me with theXX/XX/XXXX because I was turning XXXX
Consumer complaint received 2018-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

On XX/XX/2018 I paid for and received a copy of my Equifax Credit Report and FICO number. I spoke to their fraud and investigation supervisor who advised if I filed a police report for frauduluent identification which I did and fax it to them they would issue a revised accuarte report and correct FICO score within 8 hours. Equifax still is inaccurately reporting my acccounts with XXXX XXXX XXXX XXXX as being open when they are all closed and timely paid. off in full timely. My account with XXXX XXXX XXXX  and XXXX all have a XXXX  balance as all balances are from unauthorized fraudulent charges and XXXX XXXX  is reporting an inaccurate balance. 
Their confiirmation number since XX/XX/2018 iw XXXX,
Consumer complaint received 2018-02-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NC)

I have asked why since XX/XX/XXXX that my payments {$800.00} started to increase greatly, to XX/XX/XXXX XXXX Each time I ask to refinace or ask about the HAMP or any other way that would help. I am told i don't qualify. I am told taxes and insurance are the reasons. 
I asked they send me itemized statements that included the statements they receive from my home owners insurance company and my local tax office. 
I send {$50.00} more each month than what is due. I am asking that someone please audit. They sent my tax mortgage statement and then another due to an error.
Consumer complaint received 2020-08-19
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

THIS IS NOT A DUPLICATE TransUnion responded improperly to my claim, submitted on XX/XX/2020. TransUnion only sent an acknowledgement and not a response which is unacceptable. My dispute was also completed/closed without providing me with any status/information ( deletion of unauthorized inquires & XXXX XXXX XXXX, which has been settled ). 

I am having problems with TransUnion on my existing claim and not providing me with their resolution or status. My credit report was not fixed and I need TransUnion to respond and not acknowledge my dispute and fix my credit report immediately. Theses inaccuracies are hurting my ability to obtain credit. I should not have to resubmit a claim when all TransUnion had to do was respond to the one submitted on XX/XX/2020 and not close it without providing me with any information.
Consumer complaint received 2020-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (CA)

Tried using my Citi credit card, but Citi freaked out and blocked it. No valid reason for a block. All paid up and current. Anyway, the XXXX lady on the phone at Citi ( likely sitting in a XXXX sweat shop ) flat out refused to help me because I dont have a phone that texts. 

Over 75 million Americans dont have smartphones and Citi despises us all. They discriminate against each and every one of us. We are the elderly, minorities, rural residents, landline users, people living/working in bad cell coverage areas, and many who dont want to have to text with a call center in XXXX. 

And dont it beat all common sense that smartphones are easily spoofed. Mobile numbers get hijacked faster than a toupee flies in a hurricane. Citibank clearly prefers criminals more than certain demographic categories of real customers. 

So if youre either a smart criminal, or a white XXXX year old techie, well then, Citi is glad help you. But us 75 million lesser Americans? Citi is just trying to scrape us off their shoe. 

Youd better believe the CEO, XXXX XXXX XXXX, is the lead racist, hater, and elite - condescending against 75 million American citizens. Just give him the XXXX helmet already. And the Executive Response Unit is a joke. Theyll tell you to XXXX with evasiveness and ambiguous words, hoping us peons go away. Id bet they have a portrait of XXXX XXXX on the wall in the XXXX office. The minister of XXXX propaganda was a mastermind of manipulation, deception and discrimination. Wicked evil. Just like Citibanks XXXX endeavors to be. To get a job at Citi, you probably have a XXXX tattoo. Id like to think Citi goes the way of the XXXX party. They sure deserve to.
Consumer complaint received 2024-05-23
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (MS)

A vehicle was reported for collections on my credit for XXXX fromXX/XX/XXXXXX/XX/XXXXafter multiple disputes they closed it at XXXX balance. 2 weeks later this company Jefferson capital puts on my credit the same information I will not allow me to dispute. They have not mailed or notified me regarding this collection before reporting I also did not agree for this information to be provided to this company
Consumer complaint received 2021-07-14
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I had been paying this company for more than a year and they haven't reported mi payments to the credit bureau I keep asking them and asking them to do it and they keep saying they will do it tomorrow next week two more weeks or I will take 60 days more this people is not complying with their obligation I need your help this people had keeping me like this for more than a year and I haven't been Abel to get a proper answer im looking to refinance mi mortgage for a better rate and look like they don't want to leave mi loan go
Consumer complaint received 2020-07-15
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. ()

On XX/XX/2020 I contacted TransUnion by certified mail. I requesting TransUnion to update and correct all the false, incorrect, and inaccurate information on my credit file with the company. The letter was notarized and it included the legal following documentation that TransUnion requires a copy of my social security card, government picture ID, proof of address.
Consumer complaint received 2018-02-23
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: JPMORGAN CHASE & CO. (CA)

There is a CHASE SLATE credit card opened by someone else under my name which i believe my identity was stolen while i traveling abroad. 

Chase Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
Consumer complaint received 2018-02-23
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 (MO)

I have disputed this account a few times, so today I'm filing this complaint because the credit companies failed to remove XXXX XXXX XXXX XXXX account in order to satisfy Section 611 ( 5 ) ( A ) of the FCRA. I was never provided any verifiable documents that supports company 's claim ; therefore according to the above statue my dispute has merits and should promptly and immediately be deleted. Inwhich XXXX   breach has compromised millions of Americans private information and I'm one of them.
Consumer complaint received 2018-06-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (VA)

Moneygram.com is the company involved. 
I am a customer of Moneygram for the past 4 years. 
I send money for rental apartment payment every month to XXXX. 
When my husband went to pick up the money from the same location Every month ... .today as of XX/XX/2018 I have sent the money online, And the transaction went through, got the Reference Number. 
When husband went to the Moneygram location in XXXX, XXXX He was told the money was not there. 
I called Moneygram immediately to inquire what was the problem ... 
I was informed that Moneygram was very uncomfortable to proceed With my transaction therefore they canceled it. 
They didnt give any reason why this action was taken so drastically. 
No warning, no explanation whatsoever they just closed my account and Told me I was no longer able to ever use any future transaction with Moneygram! They denied me service just like that!

I need their service to send Money for my husbands rental apartment! 
I really need your help in this matter why Moneygram denied me their service I did not do any crime, anything illegal, anything  wrong! 
I have been a customer of Moneygram for 4 years! 
I need a good explanation why they drastically canceled my Moneygram Account! 
Your promptness is greatly appreciated. 
Very respectfully, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I filed 2 dispute with trans union on XX/XX/XXXX and XX/XX/XXXX. transunion never responded to my dispute I will upload the letters that I sent, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you  are required by federal law to verify.
Consumer complaint received 2022-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (FL)

I have reached out to XXXX the creditor by email and they confirm they have removed/ flat cancelled two accounts.The collection agency is unresponsive and will not remove one of the accounts from my credit report. I have called and they hang up on me. I do have it in writing from XXXXXXXX XXXX the creditor I am hoping that someone else can intervene and help me resolve this issue and finally get it removed. I have been trying to remove this debt from my credit report for XXXX years with no success. I appreciate your help thank you.
Consumer complaint received 2021-03-25
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: AMERISAVE MORTGAGE CORPORATION (GA)

PLEASE SEE THE ATTACHED LETTER UNAUTHORIZED, UNAPPROVED, EXCESSIVE HARD INQIRIES ON MY CREDIT REPEATED EXCESSIVE HARD INQURIES RAN ON : XX/XX/2020 XX/XX/2020 2020
Consumer complaint received 2020-04-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (GA)

Looking over my credit report and noticed there were accounts that do not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following accounts are listed below : XXXX XXXX XXXX I # 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 2020-04-29
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. (FL)

I HAVE LOOKED OVER MY CREDIT FILE AND FOUND SOME ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT WAS MADE BY ME. I CAN NOT EVEN BEGIN TO THINK OF HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT FILE. IT IS WITHOUT A DOUBT THAT MY IDENTITY HAVE BEEN TAMPERED WITH IN ORDER FOR THE ACCOUNTS AND INQUIRIES TO BE AUTHORIZED. THIS SITUATION IS CAUSING SOME SERIOUS DAMAGE TO MY CREDIT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE DEROGATORY ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2020-04-29
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. (FL)

I HAVE LOOKED OVER MY CREDIT FILE AND FOUND SOME ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT WAS MADE BY ME. I CAN NOT EVEN BEGIN TO THINK OF HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT FILE. IT IS WITHOUT A DOUBT THAT MY IDENTITY HAVE BEEN TAMPERED WITH IN ORDER FOR THE ACCOUNTS AND INQUIRIES TO BE AUTHORIZED. THIS SITUATION IS CAUSING SOME SERIOUS DAMAGE TO MY CREDIT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE DEROGATORY ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2020-10-18
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

on XXXX/XXXX/20 there was a fraudulent debit of - {$380.00} on my B of A XXXX card. I filed a claim with B of A the same day and on XXXX/XXXX/20 they replaced the stolen + {$380.00} and put it back in my account. On XX/XX/20 there was an adjustment debit made to my account for - {$380.00} from the State of XX/XX/XXXX XXXX Unemployment. I have spent over 20 hrs. on the phone with XXXX and with Bank of America neither company has an answer for me as to why this money has been taken from me or if I will be getting it back. The only answer I have gotten from B of A is that a supervisor is looking at my account and to keep calling back.
Consumer complaint received 2018-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NJ)

Well, I have already submitted a complaint through this medium against XXXX XXXX, but I have received yet another troubling letter from them, along with information stating that I will have funds directly debited out of my bank account. I have already cancelled my direct debit agreement, as stated in my previous complaint. If they directly debit money out of my account, I will pursue IMMEDIATE LEGAL ACTION ( already in the works ). Even more troubling, I received a letter just this morning stating that my deferment date was changed to XX/XX/2018. This bill was postmarked XX/XX/2018. This is an example of an ex post facto violation of a contract between lender and student, one which is highly unorthodox and illegal. I refuse to pay this loan company, XXXX XXXX, any more of my loans, and I demand that they immediately cease and desist any and all communications with me, and forgive the entirety of my debt because of their unfair, illegal, and unethical practices towards a consumer. I will forward any and all communications from XXXX XXXX  directly to the CFPB and directly to my lawyer, who is preparing a legal case on my behalf.
Consumer complaint received 2020-04-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Capio Partners, LLC (FL)

XXXX. I have had a collection account ASSETCARE LLC XXXX XXXX XXXX XXXX  File number XXXX disputed several different times with XXXX. The collection amount shows {$630.00}. 

When it first appeared on my XXXX  report two years ago I called the collection company and asked them to send me the information regarding the charges to verify accuracy. They refused to speak with me unless I provided my social security number. I disputed the account with XXXX  and they removed it from my credit. 

One year later the same collection account appeared on my XXXX report. I disputed it again and was told by XXXX  that they verified it to be accurate. XXXX  refused to provide me with the documentation that the company sent to XXXX  to prove this was my account. However, XXXX  removed it from my credit report. 

This same collection account appeared on my credit report this year. Again I disputed with XXXX  and they have returned the dispute as a verified account. 

I believe this collection account to be fraudulent. Every time the collection account has been added to my XXXX  report they have changed the date which says when the account was opened. This current account is stating it was opened XX/XX/XXXX. Clearly, this is not accurate since I have attempted to dispute this account for two years. The initial collection from the XXXX  report believe says it was opened in XX/XX/XXXX. 

I have no knowledge of this account and have never been provided with a bill for services. I would like XXXX  to remove the collection account from my credit report.
Consumer complaint received 2022-09-12
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. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$300.00}
Consumer complaint received 2020-04-29
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

Dear Consumer Financial Protection Bureau, I was a victim of ID theft back in XX/XX/2019 ( see attached Police report and credit alerts ). I went through great lengths to have remove multiple fraudulent hard credit inquires removed from my credit report. My line of work requires accurate credit report and I deeply value it to be accurate. 

Attached is my call log, letter to creditor, and documentation from XXXX on the number of calls I made. A consumer should never have to go through great lengths to get a fraudulent activity removed from their credit report.
Consumer complaint received 2020-04-29
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. (TX)

I have contacted LVNV Funding, XXXX, XXXX, and XXXX  several times. I have sent multiple letters and made multiple phone calls. The account with LVNV Funding is invalid, and inaccurate. The account is not mine. My data was compromised in the XXXX  data breech. XXXX, XXXX, XXXX  have failed to verify this account. I have not received any document as what method was used to verify this account. The bureaus have willfully reported negligent information despite being informed serval times.
Consumer complaint received 2024-04-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Credit management is collecting on a fraudulent debt. The original creditor that the collection agency is attempting to collect on behalf of is a fraudulent debt that resulted from my identity being compromised. With my complaint I am attaching copies of my DL, SSN, Identity theft affidavit and a copy of the certified mail that I sent to the collection agency who never responded and continued to report to the credit reporting agencies.
Consumer complaint received 2020-04-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (FL)

I did not want to attend XXXX University Online. I withdrew before the deadline because I knew the program wasn't right for me and they still call me about the aid they tricked me into for their one week of classes I did not even attend online. They are crooks. As far as I am concerned I don't owe them anything since I am on Nelnet 's XXXX  Discharge program for forgiveness of my student loans..