davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

My complaint is regarding the Public Service Loan Forgiveness program. I submitted my Employment Certification at the end of XXXX. I have been working in public service since XXXX XXXX and have made 120 payments on my loan. 

I called on XXXX to check on the status of my application. I spoke to four different employees and received three different explanations. I was told that : My application was processed and declined because my loan is serviced through XXXX and not US department of education. However, I never chose to transfer my loan service to XXXX. He said that I could go to the website ( studentloan.gov ) and consolidate my loan into a loan serviced by the US department of education and immediately receive loan forgiveness. I had a question about the consolidation form online and was transferred to a lady who said : Now that I have applied for PSLF, I can now start making 120 monthly payments and will be eligible for PSLF in ten more years, but I should be able to pay off my loan in ten years, so there was no point in consolidating my loan.
I am unclear why my loan is not considered to be a US department of education loan and why my service was transferred to XXXX despite my interest in PSLF. I was then transferred back to a lady who said that she had no idea why I received the prior two bits of information, that my application was received but would take another 30 days to process. 
I feel as though I could call five more times and get five more  stories. 

After paying on my loan for more than 10 years, I still owe ~ {$3000.00} and am seeking assistance coming up with a resolution. If I ultimately do no qualify, I will understand, but I feel that I have been given the run around and every excuse why my loan should n't be forgiven and feel that I deserve due process.
Consumer complaint received 2021-02-24
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: HCFS Healthcare Financial Services of TeamHealth (FL)

Collection Company : ARS ACCOUNT RESOLUTION Address : XXXX XXXX XXXX XXXX XXXX XXXX City/ State/ Zip :XX/XX/XXXX FL XXXX XXXX have previously sent you a request to validate my debt, account number XXXX Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. But you did not provide me with the following : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me the you are licensed to collect in my state ; Provide me with your license numbers and Registered Agent or Agent of Service ; Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. 

You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
Consumer complaint received 2021-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WESBANCO BANK, INC. (PA)

XXXX my husband and I purchased a house. In XXXX we file bankruptcy but not on our house. My husband died in XXXX, they said we did not have insurance for it to be paid off but we certainly did. I immediately try to remortgage to get away from this bank ( they purchased the bank from my previous lender. At that time a refinance company told me that I could not do because my house was foreclosed on XX/XX/XXXX. I'm still living here making monthly mortgage payments. My bank denies all this, they said it's not true, that they just have lien on my house. I have a friend the works at the courthouse that says there is no such thing on my mortgage. I know someone that works in a bank said shadow for closer means they own the house and I'm being treated as a renter and they can sell it out from u der me any time they want. They stopped paying my escrow in XXXX but I never found out until XXXX. They are still the agent on my escrow, but they are not paying them or forwarding the bill to me. Thank GOD for my boro tax lady. We filled bankruptcy 22 years ago, why now? I admit I was behind and struggled for many years but I am now current and have been for 4 years. They won't report my payment to the credit Bureau because of bankruptcy nor can they take me off the no mail list for the same reason. I need this investigate, because when my husband died they ask me did I take the death certificate to any branch and I said no, they then suggested that wasn't necessary but I took it anyway to my local branch by my house but they never recorded the document.
Consumer complaint received 2022-04-06
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. (MN)

OK so now we have to explain that so whats going on here is I just finished a claim and they gave me XXXX and it was for unauthorized accounts which I will explain on my other complaint because I am not going to let XXXX XXXX get away with us but the point of this complaint is that I want more money because first of all I had a credit card it was charged and paid off someone from a different department sent me the truth in a package shortly after the claim so whats been going on is after its been negative read the card that was on my credit report for so long I disputed it after I was looking at my old S and I saw that they were trying to sell this card I called the lady said they still needed to pay I gave him {$1500.00} so why is this bank statement that Im looking at XXXX messages this is why Im kind of upset so I wan na know why I have all these accounts open in my name not currently but they were back maybe a few years ago and I never close these accounts you guys are going to get sued lets just make this complaint be about unauthorized accounts and a credit card that they lied to me about and they ruined my credit I want my credit store fixed immediately
Consumer complaint received 2022-02-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021, Bank Of America placed a hold on my account for " fraudulent transactions ''. I cant remove the hold because I no longer have access to the phone number I registered my account with, and I was told I'd have to visit the branch I opened my account with, the problem is it temporarily closed. They refuse to let me update my personal settings regardless of me providing my personal information. They also havent sent my new debit card in the mail and it's been over 3 months. So I can't enroll in online banking neither. The hold is unneccessary, they flagged me for transfering money to my XXXX XXXX XXXX XXXX card, because that was the only way of me accessing my Funds I've been needing since they have failed to send me a new debit card. I need help updating my personal settings
Consumer complaint received 2021-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hi Team, I am writing this in a dispute that I am having with the main credit bureaus. I have accounts on my profile that are not mine. I am a victim of identity theft and I am writing to have these accounts removed or blocked from my credit profile. I am entering a stage in my life where I would like to purchase a house with my husband and it wasn't until recently that I saw these fraudulent accounts on my profile. Please investigate and have these accounts removed immediately. 

Best, XXXX
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I sent a letter out on XX/XX/XXXX, XXXX here is my tracking number Equifax XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX. To remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681 Section 602 A states I have the right to privacy. Also, according to 15 USC 6802, No Financial Institution is not supposed to share my information with third-party people. 


This XXXX a clear violation of my XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-08
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. (LA)

Under the CARES Act my loans were put into forbearance, however it was reported my credit score dropped almost 50 points. Its saying a remark has been removed from each loan account.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

On XX/XX/year>, I wrote to you requesting an investigation into items that I considered were fraudulent, erroneous, or improperly reported. To date, the only response I have received is a computer-generated letter claiming that you have discontinued review of my credit reports because you believe I employed a third-party credit repair firm. Not only do I believe this is a stall tactic on your behalf to allow you an extra XXXX  days to comply with my original request, but I also believe it is a clear violation of the FCRA.
Consumer complaint received 2023-01-19
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. (TX)

This is the several time I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any item that was opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


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 2022-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

XXXX : by XXXX XXXX card opened in my name. I closed the account on XX/XX/XXXX when I received the statement. 

Bank of America just called me regarding a request in my name.
Consumer complaint received 2020-10-23
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

There is multiple business credit card inquiries on my credit report. 

I only applied for a XXXX XXXX XXXX XXXX on XX/XX/2020 and now there is inquires from other Banks.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am reporting fraudulent inquiries found in my credit report.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

The credit reporting agencies or not properly reporting my correct personal information I would like them to properly report the correct information. 

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX, Nv XXXX Mailing address : XXXX XXXX XXXX XXXX, Nv XXXX
Consumer complaint received 2019-10-03
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. (AZ)

I opened my account with XXXX XXXX in XXXX of 2019. Since the time of me opening my account I have paid every balance off in full before the billing cycle ends. I have never carried a balance on this account. XX/XX/2019 I traveled to XXXX, where wifi and cell phone service is very spotty. I paid my balance in full due for the month of XXXX. In XXXX, I paid the minimum payment that was due. As I always do, I attempted to pay the full balance off from my card. Being that I was in XXXX, I transferred all of my money from one account to another. This in turn caused my two additional payments for the month of XXXX to " kick-back '' and not fully process. I was unaware of this until I checked my credit report XX/XX/2019 only to realize my XXXX XXXX account had been closed. I immediately called XXXX XXXX attempting to resolve this issue and was denied not only by the service rep by also by the XXXX the Account Supervisor. I asked XXXX to record the phone call so that there was evidence that I did indeed attempt to pay my card in full but XXXX XXXX is denying to accept the payment even before the actual billing cycle ends.
Consumer complaint received 2016-09-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: MOHELA (NY)

I refinanced a student loan and the amount paid to the old lender I used was more than the balance I owed. I called and ask about a refund and was told that I would receive a check. Two weeks later I called and no check had been issued but they promised that it would be made the following Monday and mailed to me. I asked why it took so long for them to issue a refund and could not get a response from the customer service person or the supervisor.
Consumer complaint received 2022-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (TN)

my complaint is against synchrony bank and involves lowes credit card havertys credit card PayPal credit and synchrony XXXX XXXX XXXX. on or around XXXX XXXX synchrony bank was notified of several accounts I did not open. on or around XXXX I was notified that out of the accounts I disputed only 4 were being deleted for identity theft leaving me with the remaining accounts. I don't know who makes these decisions but this is ridiculous I had filed disputes with all 3 credit bureaus including both a police report and an identity theft affidavit. I believe the law is clearly on my side and synchrony bank should remove these accounts I did not open. I would like to add that I had 3 accounts with synchrony bank that were opened by me that were also closed even though I did not report them as identity theft these accounts were in good standing and were paid on time I believe synchrony bank was punishing me for being a victim of identity theft and further damaging my credit.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Trying to freeze my credit with TransUnion after XXXX hack. Have tried multiple times to reach TransUnion via phone and web over the last few days, but they say they are overwhelmed. I feel this is no excuse ... they are holding my credit hostage because they are understaffed. It was easy to freeze my credit on XXXX website. I imagine TransUnion is purposely trying to avoid having too many people freeze their credit reports. This is unreasonable.
Consumer complaint received 2022-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (MA)

XXXX XXXX opened a line on credit in my name without my consent. Some of my information was used but since they didn't get permission they did have the wrong name ( not my legal name ), and incorrect address. 

Luckily no money was used from the opened line of credit and I contacted the institution which was managing the account, Wells Fargo, and I was able to identify the faulty information as proof and ( 1 ) closed the account, and ( 2 ) submitted a complaint via their institution to try and expunge from my credit report the inquiry for this line of credit. 

I am submitting this complaint incase this is a practice this company has and wanted to ensure, if this is a patter of behavior, others are not made victims too.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I took out XXXX student loans with XXXX. XX/XX/XXXXand have not made any payments nor am I required to make payments until XX/XX/XXXXalled XXXX and advised of the error of them showing me late ONLY 1 month and the remark for that XXXX month is showing late 90 days. There are no other months showing late so how could it be late 90 days. Also, I never paid any payment so how could you be reporting a late payment???? XXXX advised they dont show me late and I should talk to the credit reporting agencies to file a dispute. So the second thing I did was a dispute with all three credit reporting agencies. I asked to have all XXXX accounts removed since they are violating by reporting inaccurate information and in violation of FCRA for also not sending me proof of verification as I requested. So I am now making a complaint. 

I would like all XXXX loans on each credit report removed for reporting inaccuracies. On all three of my credit reports they are showing the following errors for each loan : XXXX. XXXX section shows each loan late XXXX days XXXX. There is only 1 month with a red X that represents XXXX late payment in XXXX of 2020 so how is the loan XXXX days late. 
XXXX. They should not be reporting any late payments at all because XXXX not done with school. 
XXXX. Each loan is on my credit reports are reporting XXXX different balances XXXX # XXXX is reporting highest balance of {$3500.00} and its showing reporting balance {$3600.00}. 

XX/XX/XXXXXXXX is reporting highest balance of {$3000.00} and its showing reporting balance {$3300.00} XXXX # XXXX is reporting highest balance of {$1700.00} and reporting balance of {$1800.00} XXXX # XXXX is reporting highest balance of {$520.00} and reporting balance of {$570.00}. 

XXXX. Its showing XXXX of the loans as closed which caused my credit score to drop. Also, they are reporting payment status every month and paid amount says {$0.00} for each loan.
Consumer complaint received 2023-07-19
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. (NY)

I received a credit report notification from Experian. Upon downloading my report, I found a fraudulent personal loan on my account that was issued by XXXX XXXX for which I have no knowledge of. Upon calling XXXX and providing my name, they assured me that there is no personal loan under my name and that I should have Experian and XXXX contact them to remove the account from my credit report. I disputed this account with Experian and they said that this loan information came back as accurate with someone named XXXX XXXX ( under the impersonator address XXXX XXXX XXXX XXXX XXXX, CA XXXX ) opening a joint account at XXXX that has some association to my name I would like to file a police report of fraudulent activity and note that my identify may have been stolen and fraudulently used to issue a personal loan to someone who I do not know and have no association with
Consumer complaint received 2020-10-23
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: EQUIFAX, INC. (FL)

To whom it may concern, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represent a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents.

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off.