davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-28
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 (TX)

PHEAA is the holder of some of my student loans. The loan is in default, and I contacted them to try and enter into a repayment plan. 

They informed me that they could not talk with me about a repayment plan because there was a hold due to a Defense to repayment claim. PHEAA informed me that I would have to have that claim removed through the department of education. 

When I contacted the department of education, they informed me that even if there was a defense of repayment case open, that would not stop PHEAA from working out a repayment plan. Department of Education had me contact the XXXX XXXX XXXX. The XXXX informed me that there was no open case with them. 

I contacted PHEAA with that information, and they said they could do nothing to set up a payment plan till the hold was released ( there is no hold ). 

All I want to do is set up a repayment plan to get my student loan out of default, and PHEAA will not allow that to happen.
Consumer complaint received 2022-04-28
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: EQUIFAX, INC. (IL)

I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX/ {$0.00} / XX/XX/2019
Consumer complaint received 2021-06-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (NY)

We, XXXX XXXX and XXXX XXXX ( husband and wife ), the borrowers and now the owners of the property purchased on XX/XX/2021, received the mortgage loan from Citibank in connection with the home-purchasing transaction. Prior to the settlement, a closing disclosure was issued to us from City Bank indicating that the mortgage tax in the amount of {$10000.00} would be due and payable at the time of the closing. However, on the day of the settlement, the mortgage tax that had to be paid was actually XXXX and the we were compelled to pay the difference at the time of closing. 
Our real estate lawyer representing us at the closure, has later followed up multiple times to try and resolve the situation. I have personally contacted Citi and was not assisted.
Consumer complaint received 2019-06-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have disputed XXXX XXXX-XXXX charge ( which was posted as a collections account on XX/XX/2019 ) on my report for XXXX with Transunion and XXXX. With Transunion on XX/XX/2019, XX/XX/2019, and XX/XX/2019 and they have refused to help me remove a fradulent debt account on my report. I informed that I did not receive the services for this hospital visit and the charges are not correct, I have tried to work with the merchant but the merchant has refused to accept the dispute and report it to credit agency. the account was closed and this debt is not valid, thus it should be removed from my credit report.
Consumer complaint received 2018-03-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (CA)

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX   XXXX California XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX : XXXX XXXX Account Number : XXXX Balance : $ SSN : XXXX DOB : XX/XX/XXXX To Whom It May Concern : XXXX   XXXX I would like to make arrangements to settle the above referenced matter. 


Please provide me with your statement of the amount owing as of ( XX/XX/2018 ), together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. 



Thank you very much. 


XXXX XXXX XXXX, XXXX - Without Prejudice UCC 1-308 )
Consumer complaint received 2021-06-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Quality Asset Recovery LLC (SC)

Ive been seeking validation for the derogatory item reported to my credit report since XX/XX/2021 and the debt collector has failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.
Consumer complaint received 2021-06-02
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: MoneyLion Inc. (WY)

XX/XX/2021 XXXX was removed from my checking account from money loin- I didnt authorize this transaction. I called my bank to get the money reversed they where unable to return but gave me the transaction info regarding money lion. I have reached out to money lion twice a week for a month saying that they cant find the ticket that was created and forwarded to the fraud department- they said someone would contact me in 4 business days its been a month and no one has reached out to me and I have called them twice a week for a month with several people telling me there is no ticket to support my fraud claim.
Consumer complaint received 2019-06-11
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. (WA)

I am in disagreement with the items listed on my credit report as having late payments ... The credit bureaus refused to reverse the late payments..Not to mention they will not give me an explanation as to why they wont overturn or fix this inaccurate claim..It has greatly affected my credit score..I would like these items be fix on my credit report immediately.. XXXX XXXX XXXX/XXXX
Consumer complaint received 2023-02-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (AK)

I got a call from AMSHER COLLECTION AGENCY on XX/XX/2023 about a debt from XXXX that I owe from 2 years ago. Which I didnt realize that I owe. They said I owe {$180.00} and I was sure I just owed {$80.00}. I told them I only owed {$80.00} and that its only {$80.00} Im gon na pay. Which they agency agreed for me to pay. 

Money was taken from my account twice to a total of {$80.00}. And I thought it was over after that. Only for me to receive a notification a month later that a had a negative collection on my credit report. I had a negative collection of {$100.00} on my credit report. Out of fear for my credit report I paid the {$100.00} with the hope that the collection would be removed from my credit report but it wasnt. 

I called the collection agency and asked why they kept a negative collection on my credit report and they said I didnt pay the remaining {$100.00} and I didnt dispute the {$100.00} within 30 days. 

First of all I wasnt even told nor neither did I agree I was going to dispute the reaming {$100.00}. I didnt even know I could dispute the remaining {$100.00}. 

I recently read the Fair Debt Collection Pratcies Act and it says the collection agency after 5 days of contacting me had to write me a written note about the debt. But I never got any written letter to my mail. 

This I feel is a breach of the fair debt collection practice Act
Consumer complaint received 2022-04-28
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number : 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 15 U.S.C 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 2021-06-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Tate and Kirlin Assoc (MN)

Received a letter dated XXXX XXXX2021 Stated I had been turned over to debt collection for {$110.00} Never heard of XXXX XXXX and certainly do no owe them anything Search for TATE & KIRLIN ASSOCIATES INC. online and the {$110.00} amount is all over the internet claiming they are trying to scam people out of money for a debt they never owed. 

No One Has Time To Deal With These Idiots Please Arrest Them Now And Put Them In Jail!!!!!!
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2022-04-28
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number : 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 15 U.S.C 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 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Addresses : XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer : XXXX XXXX  Date Updated : XX/XX/2016 XXXX XXXX XXXXXXXX XXXX, FL
Consumer complaint received 2020-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$1200.00}, {$650.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 4. XXXX XXXX XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$650.00} -This is not my account.
Consumer complaint received 2021-04-11
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 ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX.
Consumer complaint received 2022-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (RI)

I booked a trip via the American Express XXXX XXXX ( Trip ID : XXXX ). One of the benefits of the program is that they will price match the lowest rate of another travel website. I found a rate that is almost {$800.00} cheaper than the one that I booked with American Express. When I go tot he website to submit my lowest rate guarantee claim, I am continue to receive errors. After being on the phone with AMEX XXXX for over an hour last night I was told someone would contact me today about it. When I received a call this morning from a supervisor they stated that there is nothing that they can do unless I submit the form online. Multiple days have now passed and the form continues to error out online and there is no possible way to submit the form. This is verging on fraud and without a resolution I will be asking my state 's Attorney General to begin a criminal investigation into the matter.
Consumer complaint received 2018-03-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (CA)

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX California XXXX XX/XX/XXXX CHASE BANK XXXX XXXX # XXXX XXXX XXXX De XXXX XXXX : Chase Credit Cards Account Numbers : XXXX # - # XXXX - {$800.00} XXXX # - # XXXX - {$5200.00} XXXX # - # XXXX - {$2100.00} SSN : XXXX DOB : XX/XX/XXXX To Whom It May Concern : CHASE BANK I would like to make arrangements to settle the above referenced matter. 


Please provide me with your statement of the amount owing as of ( XX/XX/XXXX ), together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. 



Thank you very much. 

XXXX XXXX XXXX., XXXX Without Prejudice XXXX XXXX )
Consumer complaint received 2023-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

PLease take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2021-07-21
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)

My car was broken into and the thief took all my identification information and is now trying to open accounts in my name. I did not request anything from these companies.
Consumer complaint received 2020-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified hard inquires accounts : US SM BUSINESS ADMINISTRATION ODA XXXX XXXX XXXX XXXXXXXX XXXX XXXX Also, my current and only address is : XXXX XXXX XXXX XXXX. 
XXXX XXXX, Ga XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX XXXX XXXX, Va XXXX I will list the correct spelling of my name there are multiple name spellings as well those also need to be removed and are not accurate.
Consumer complaint received 2019-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (MD)

XX/XX/2016 the property at XXXX XXXX XXXX was forclosed on by ocwen and auctioned off, ocwen bought it back from themselves at the auction for the total amount owed, I have the lawyers papers from the auction. It's only wrong on XXXX and they or ocwen will not fix it. It's hurting my score an ability to buy. Thank you
Consumer complaint received 2021-07-21
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO LOAN OR LEASE 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$3300.00} -This is not my account.
Consumer complaint received 2021-06-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Elevate Recoveries, LLC (FL)

XXXX XXXX XXXX XXXX  is reporting accounts that don't belong to me on my XXXX  credit report. Account # XXXX ELEVATE RECO is reporting an account to my XXXX  credit report that does not belong to me.
Consumer complaint received 2021-06-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (CA)

We emailed Gemini on May XXXX XXXX  XXXX, and XXXX with no reply. We deposited {$500.00} with them and they withdraw from our bank account on XX/XX/XXXX. We want to withdraw from them and they do not reply on how through email nor have they verified our account
Consumer complaint received 2018-03-05
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: EQUIFAX, INC. (LA)

I was released after doing time in XXXX on XX/XX/XXXX. While I was there someone used my credit file to get a credit card, a cell phone, and utilities. On XX/XX/XXXX I filed a police report, contacted the companies that the accounts were opened and the credit bureaus. The accounts were taken off but the inquiries remain. The suspect is in custody and I have gotten letters from every single inquirer saying they instructed Equifax to remove, mask or suppress the unauthorized inquiries, however Equifax is still reporting this. 

I have submitted papers from my XXXX XXXX, my release paperwork, the police report, and letters from the companies saying that it is supposed to be deleted and Equifax continually ignores this. The only response I get is an automated response telling me to dispute the inquiry with the creditor, even though I have and the creditor has given me the information I am providing to Equifax. Just like the letter enclosed. Once they even sent me information asking me to verify my identity. How is it that Equifax lets anyone pull my credit report without proof I authorized it, without proof of my signature and without proof that they had a permissible purpose in complete violation of the law and I cant get a copy of my own credit report with proving that I am in fact me and I have a permissible purpose ( i.e. looking for a job ). 

This company first aids identity thieves with this practice, not only that they show utter disregard for the laws of this great land, and are complete violation they have cost me several opportunities and all I can ever get from them in response is a form letter talking about what inquiries are. Please someone enforce the law. You can report anything you know to be inaccurate or authorized, Equifax feels that it does not have to follow the law.
Consumer complaint received 2022-04-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (FL)

During a phone call with Florida XXXX XXXX XXXX XXXX, the caller threatened to close my account if I did not pay immediately and sent the credit bureaus my negative comments showing multiple late payments on my account. I explained I had lost my job but payments were being made, the lady said I would lose my account and she was going to close my credit card if I did not pay the full due amount by the " end of the day! "