davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

Consumer Financial Protection Bureau XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Ohio XXXX RE : ADVERSE EXPERIAN REPORTING / NO RESPONSE To Whom It May Concern ; Please find the following issues/complaints regarding EXPERIAN Credit. After multiple attempts to contact EXPERIAN with loss of time and resources to modify records still they are not responsible? 

Please find the following disputes and clarifications to my credit report as of XX/XX/XXXX. 
Addressess on Report ; 1. Name reported on the account is wrong. Correct name on account should be XXXX XXXX XXXX. 
2. Mailing and residence addresses ; I have never had a or had possession of ; XXXX XXXX XXXX, XXXX, OH XXXX mailing address. 
XXXX XXXX XXXX, XXXX, OH XXXX is incorrect and was a rental property. Never received any mail at that address. 
Phone Numbers on Report ; 1. All phone numbers listed are incorrect or old accounts that have been changed since inception. 
Incorrect Adverse Account Information ; 1. XXXX XXXX  XXXX XXXX  # XXXX Automobile Loan PAID IN FULL, >Maximum Delinquency of 60 days in XX/XX/XXXX for {$260.00} 2. XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, Paid by insurance, never received billing for minimal {$93.00}. Mis-reported/double billing, 3. XXXX XXXX # XXXX, Date Opened : XX/XX/XXXX, Divorce/Filing XXXX XXXX Card Used without approval, card not in my possession. 
4. XXXX DEPARTMENT STORE # XXXX >Maximum Delinquency of 120 days in XX/XX/XXXX .Divorce/Filing XXXX XXXX Card Used without approval, card not in my possession. 
5. XXXX XXXX XXXX XXXX # XXXX 'Date Opened : XX/XX/XXXX ; Divorce/Filing XXXX XXXX Card Used without approval, card not in my possession. 

The above reports are in error for the obvious reasons, Please review, adjust, delete or amend accounts from my report. Thank You for your time in this matter. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: First Advantage LNS Inc. (PA)

I have notify this collection agency that the debt in question was manufactured my the original creditor and that I am not responsible for the charges. That if they have a case, they should go to court. They would not go to court, but keep on calling me about a debt which I have disputed and have asked them to keep all communications in writing. They went ahead to report this debt to credit agency even though the account remain disputed
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Trans Union, LLC failed to update my Chapter XXXX Bankruptcy ( XXXX ) on my credit report. The bankruptcy on my credit report should be listed as " Chapter XXXX Dismissed / Closed ''. However, after disputing the account with Trans Union, LLC ; TransUnion has repeatedly failed to update the account as closed and has left the account open.
Consumer complaint received 2017-04-17
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (CO)

Everytime I use the macy 's credit card and then pay the amount on the bill to pay it off I get another bill for more money. My bill now says {$2.00}. This has happened about 3 times before. I charge something get a bill pay the entire amount and then get another bill for {$2.00}. It 's like you can not pay off the bill. Not sure what they are charging.
Consumer complaint received 2017-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OH)

I had moved from XXXX to XXXX and several bills were sent to old address, I was late paying them by the time I got them. Those late bills have been recorded in my credit score. I have since made payment on time. I have called the companies to request the removal of those late payment, I have dispute several times with XXXX, XXXX and Expirian, unfortunately they are not removing despite the fact that I have made all my payment on time for 2 years. I 'm trying to buy my house and the banks are not liking those delinquencies. I need it removed to be able to buy my current home. late payments happened in 2015.
Consumer complaint received 2022-09-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TX)

My servicer is Nelnet, formerly Great Lakes. My loans are FFEL. I have worked for a non-profit entity ( XXXX XXXX XXXX XXXX ) for 10 years. A few years ago I inquired about PSLF. I was given very misleading information at the time, suggesting my loans did not qualify for PSLF, my employer might not qualify, and that I would get a higher interest rate if I consolidated. All of that seemed very intimidating, and so I let it go. I got a letter this summer stating that my loans likely would qualify for PSLF, so I started looking into it again ( I did not save the letter and I can not remember who it was from ). Now, DOE 's website is better. After some time, I came to understand I would need a direct consolidation loan, which is a misnomer for my one loan, and then I would qualify for PSLF. The problem is that I have already overpaid by tens of thousands of dollars, including during the Covid years for which federal student loan borrowers owed no payments. 

I contacted Nelnet today to ask for a refund for all future payments made, as I have paid many years into the future. I was told my loans did not qualify for a refund. Again, I was given misleading information because I was told FFEL loans do not qualify for PSLF. I was again told that to consolidate under the federal loan program would increase my interest rate and that there was no guarantee of forgiveness. All of these statements are intended to mislead borrowers into not consolidating FFEL loans, and not seeking loan forgiveness. It is shocking that Nelnet can still engage in this deceptive practice. 

I have FFEL loans. Nelnet knows my employer, and knows it qualifies. Years ago this servicer of federal student loans had a duty to notify me that my employer qualifies, and to tell me it was in my interest to consolidate. They should not have given me information intended to mislead, or to make me continue paying on loans that would not " count '' and which are not eligible for Covid relief or refund. I am a middle class American who works for a non-profit. The amount of money I've wasted on student loans that should have been forgiven is a tremendous amount of money I could have used for my family, for my kids, or to improve our standard of living. The fact that the federal government is complicit in this process, by allowing Nelnet to profit from these statements, is really discouraging.
Consumer complaint received 2019-10-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: MoneyLion Inc. (CA)

I have an XXXX loan where the payment was taken out of my account but the payment was no applied. 

I pay {$10.00} every month for a Moneylion Plus account which gives me the right to use the XXXX service but I have not been able use XXXX because my payment was never credited. It appears they have also paused the benefits of my Moneylion plus account as well. 

I filed a support ticket with the company, they basically said too bad you're going to have to wait for " Operations '' to address this. They then closed the ticket so I could not respond and did not fix the issue. This was weeks ago.
Consumer complaint received 2017-07-25
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

XXXX 2017 I applied for a refinance on my primary loan, which I was approved, after being underwater with my mortgage for about 5 years. I have been trying to do this for at least 2 years and finally I could refinance to have my 7.12 % interest rate lowered to 3.65 %. My second mortgage was with XXXX. My broker informed me that they required a subordination agreement from my second mortgage before they could complete my loan. They contacted XXXX in XXXX  2017 and was told it was approved, but my loan was being sold to Select Portfolio Servicing and they would not release the Subordination Agreement, we would have to obtain in from SPS.
XXXX  2017 SPS obtained my loan and we were waiting for all the paperwork to come from XXXX, including the Subordination Agreement. They stated after a month they did not receive it. After all the frustration of trying to get this to my title company and the broker, I requested that they start the process all over again the beginning of XXXX 2017. To make a long story short, it is XXXX XXXX, 2017 and I still do not have a Subordination Agreement from SPS. They have resent it back with every excuse, including having me down for a short sale ( A SHORT SALE WAS NEVER DISCUSSED ), the wording is not right, there are blanks that need to be removed, etc. This loan I am trying to obtain is not going to effect this second mortgage at all. But in the meantime I am still paying a 7.12 % interest rate when this should have been taken care of months ago. After about 30 phone calls all I get is I will check into it and call you back. I have never received one call back. I have to continue to call them and still not getting any closer to getting this agreement. My frustration level is an 11, it is costing me close to {$300.00} a month every time I pay on my current mortgage and I get the same response as if they are reading a script. I talk to supervisors and have called the Ombudsman department. Still no further ahead than I was in XXXX.
Consumer complaint received 2021-04-22
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. (NC)

XXXX  ; XXXX  and Transunion should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have also contacted the bureaus to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.
Consumer complaint received 2019-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: IMPAC MORTGAGE HOLDINGS, INC. (CA)

Was informed by credit monitoring services that unauthorized credit pull was made by Cashcall mortgage ( XXXX XXXX ). Called XXXX XXXX at Cashcall mortgage to request that the unauthorized credit report that was pulled be provided to me immediately for my records. I was told by XXXX XXXX that company policy was NOT to issue credit reports. 

That is a flat out blatant lie, and I have attached documented proof that is a flatout blatant lie!!!
Consumer complaint received 2017-04-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (GA)

I received a letter from Southwest Credit dated XX/XX/2017 about a debt in the amount of {$260.00} from XXXX. I mailed them a Cease and Desist letter on XX/XX/2017. I received a letter from Southwest with a different account number and an amount of {$990.00}. I received a collection letter with the {$990.00} debt.
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Knight Adjustment Bureau (UT)

XXXX XXXX  was charging me double the price of XXXX XXXX who had the same room, bathroom and parking space as me. I proved this to them through documents and got no response. Countless times called XXXX ( the property manager ) to discuss the overdue balance and explain the unfairness/discrimination i was experiencing at the hands of her company. During those phone calls i was promised things that were never given such as fairness. I was the only individual in my apartment who was charged for damages that were not even in my personal room. I lived with 3 XXXX girls and i was the only one out of the 4 of us who received a bill to fix all the damages that XXXX XXXX claimed were such an issue and just my fault. They are XXXX. This has ruined my credit because some people are to ignorant to know that everyone deserves to be treated exactly to same. I didnt choose to be born XXXX.why do i have to be overcharged for it..? The company who does collections for XXXX XXXX is part of the issue and not the solution i have explained my situation and showed them the evidence of discrimination and for them to just dismiss my concerns and still ruin my credit. I told XXXX XXXX they arent seeing a DIME of that XXXX charge and i meant it.
Consumer complaint received 2021-09-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

My current Mortgage Servicer, PennyMac, escrows my taxes and insurance. I noticed on my county tax assessors website that there was an outstanding bill in XXXX of this year. I called into the Customer Service line and was told that all taxes due would be paid by PennyMac from my escrow account in XXXX of 2021. I checked to make sure that my taxes were paid in XXXX and noticed that they had not paid the bill from XXXX and had only paid the taxes a new, more recent bill. They had skipped over the original tax assessment. I then called the county tax assessor for clarification and was told by them the the bill was overdue and collecting late fees/interest and that the mortgage servicer should have paid the bill when it was due. 

I then called back into the Customer Service team at PennyMac and was told that while they do escrow for taxes, that they don't verify that my taxes have been paid and said they are not responsible for paying the taxes since my home was a " New Construction '' home. 

I have now incurred more late fees/interest but PennyMac has finally disbursed the overdue taxes from my escrow account. However, they took out additional funds to pay the late fees/interest even though it was PennyMac 's error for not paying the taxes on time. I'm asking that they pay the fees and interest and place those funds back into my escrow account. 

Also, they have gone back and forth on this issue. When I brought up that there was a tax bill, I was told by Customer Service that they would pay the bill. Then in XXXX they did not pay the taxes and was told that it was my responsibility as a homeowner. Now, they have recently disbursed funds from my escrow account to pay those taxes. If it wasn't there responsibility to pay then why did they finally pay the taxes after I filed a complaint? 

I have attached PennyMac 's response about paying taxes on " New Construction '' homes. With the amount of new home sales in the past year, I would imagine I'm not the only customer that has had issues with taxes not being paid.
Consumer complaint received 2017-04-17
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (FL)

Since XX/XX/XXXX I have been asking LVNV Funding to provide proof that this is my debt as I have no knowledge of this alleged debt. I have attached letters dating back to XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. To date they have refused to respond or provided any proof that this is my debt. My understanding is that if they fail to provide adequate proof, they must remove the reporting on my credit report ( see attachment. ) Additionally, this item goes back to XX/XX/XXXX which means that Statute of Limitation in Florida ( 4 years for a credit card debt ) which means that the debt is also uncollectible and should be removed as it is violation of FCRA to attempt to collect a debt which is known to be uncollectible.
Consumer complaint received 2019-05-08
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 — Problem with personal statement of dispute
Company: Early Warning Services, LLC (CA)

I was a victim of identity theft and have been trying to get my life back together, and have endured financial struggles due to the theft. I am almost homeless, and have taken all opportunities to survive. I have been trying to open checking accounts, as well as get a loan, and have been turned down each time. each of the credit agencies, as well as Early Warning Services , LLC, and XXXX have contributed to these denials. XXXX  XXXX XXXX, XXXX XXXX, and XXXX have closed accounts without giving me an explanation of why.
Consumer complaint received 2017-07-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (AZ)

I attended the University XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. During that time, I took out two loans totaling about 44,000. At the time I did not understand the difference between subsidized and unsubsidized loans. I found out after I graduated that both of my loans were unsubsidized and totaled XXXX bucks. XXXX XXXX wanted me to pay XXXX bucks per loan six months after I graduated. I informed them that I would not be able to those payments while making XXXX bucks an hour. One of the representatives suggested that I consolidate them to get a lower payment. Little did I know that I would lose all of the benefits with these loans. Now I am locked into private loan consolidation with little to no option of lowering my payment ( I 'm doing a forbearance, but that costs me XXXX bucks every time I apply ). Now mind you that I have been paying around 400 bucks a month since XX/XX/XXXX. If I do the math, I have paid them close to 43,000 and my principal now is XXXX! Thats only XXXX going towards the principal. Talk about highway robbery. Looking at my loan information I will make my final payment on XX/XX/XXXX. By that time I would have paid XXXX for a loan that was originally XXXX. They are making XXXX of this loan! Oh and I never got the high paying XXXX job after college. All of the jobs wanted someone with 2-5 years of experiences and all of these certifications ( which cost additional money and time ).
Consumer complaint received 2021-06-28
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. (GA)

XXXX, TransUnion, & XXXX violated my rights as a consumer pursuant to 15 U.S. Code 1681b. I did not submit written consent to these agencies for them to furnish a report. These agencies can not provide me evidence of a written consent. I contacted XXXX on XX/XX/XXXX and XX/XX/XXXX via calling to get everything on the profile deleted. They ignored my request and told me they could not delete my account. I asked them to produce documentation showing my written consent and they said they have no evidence of my written consent but still would not delete the profile. I contacted TransUnion on XX/XX/XXXX via calling and told them the laws they violated and the agent disconnected the call. I attempted to speak with XXXX but the call never connected me to an agent. As a consumer I feel extremely violated.
Consumer complaint received 2017-04-16
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Velocity Portfolio Group (PA)

The company Velocity Investments , LLC has acknowledged that they have closed the account for this debt. Because of this closure I would like this information communicated to the Prothonotary of both XXXX and XXXX counties, both in Pennsylvania so the judgments can be removed and my credit restored.
Consumer complaint received 2017-07-26
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. (NY)

XXXX XXXX XXXX XXXX Date XX/XX/XXXX Amount : XXXX I tried Disputing this several times now Im trying another approach. FTC report # filed XXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXX AmountXXXX I tried Disputing this several times now Im trying another approach. FTC report # filed XXXX
Consumer complaint received 2017-04-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Capital One initiated another account in my name and did not tell me or send a bill that this count existed resulting in a 30 late reporting to the XXXX credit bureaus, XXXX, XXXX and XXXX XXXX. I have since closed out the account, but it is still showing 30 days late and affecting my ability to secure credit.
Consumer complaint received 2017-04-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CO)

I have been making monthly payments of {$660.00} since XX/XX/XXXX. I wrote down my balance due on my student loans on XX/XX/XXXX and some have increased over the past ten months. 
XX/XX/XXXX XX/XX/XXXX balance due {$79000.00} {$78000.00} {$1500.00} {$1100.00} {$1300.00} {$1600.00} {$780.00} {$1000.00} I have XXXX more loans but this is a representation of what is happening to my loans.
Consumer complaint received 2021-04-22
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. (VA)

I was admitted by graduate school XXXX XXXX XXXX program ). I am still studying in XXXX XXXX XXXX Arizona XXXX XXXX XXXX ( next the White House and the XXXX XXXX  in XXXX XXXX  as first XXXX  American veteran ), President XXXX XXXX ordered DOE and XXXX not to include student loan in credit report due to COVID pandemic situation. 

President Biden, Senator XXXX, Senator XXXX XXXX and Speaker XXXX plan for canceling XXXX dollars through executive order or legislation. 

XXXX  company and DOE should stop posting student loan in my credit report without my consent. As a single parent with XXXX kids, I try to buy a home in rural area, student loan information in credit report should be removed to apply FHA loan, VA loan and USDA loan.
Consumer complaint received 2019-10-28
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. (NC)

EQUIFAX, I AM GOING TO FILE ANOTHER ATTORNEYS GENERAL COMPLAINT AGAINST YOUR XXXX IF YOU REFUSE TO FIX THIS! 
STOP SENDING THIS COMPLAINT BACK AND GET TO RECTIFYING IT! 
I WILL MAKE SURE YOU PAY ME MILLIONS!