davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (AL)

On XX/XX/XXXX I received a letter stating that I had 28 qualifying payments. However when I log into my account, it states I only have 26 qualifying payments. I was told by a representative at XXXX that the payments made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were not being counted because I did not have an Employment Certification Form filled. I was told that if I had the formed filled out that those 4 payments would counted. I have the Employment Certification form from XX/XX/XXXX- XX/XX/XXXX form filled by the Human Resources Representative stating that I was employed 32 hours which is full time under the Public Service Loan Forgiveness Program . I have attached this letter. Therefore, I should have 32 qualifying payments instead of 26 or 28 payments. 

I called XXXX on XX/XX/XXXX and spoke with XXXX ( ID number XXXX ), and she stated that the Human Resources representative did not verify that I was full time. Under the Loan Forgiveness Program, it states that 30 hour pers week or more is considered full time. I spoke with  Human Resources on XX/XX/XXXX and she stated that she told XXXX on XX/XX/XXXX that from the entire time from XX/XX/XXXX-XX/XX/XXXX that I was working more 30 hours per week. The Human resources representative stated that she told XXXX that for purposes of the Public Service Loan Forgiveness Program I was XXXX for that entire time period. I would like to see that my qualifying payments be updated from 28 to 32 payments. Online it states that I only have 26 qualifying payments which contradictory to the 28 payments sent in the letter onXX/XX/XXXX. 


Additionally, XXXX disqualified my payments made for the period of XX/XX/XXXX to XX/XX/XXXX based on an Employment Verification form I submitted. I did not submit any Employment Verification Form for this period of time. I have included a copy of the disqualification from XX/XX/XXXX-XX/XX/XXXX. I met the requirements listed on the disqualification form of working at least 30 hours or more for this time period. I have included a copy of the disqualification sent from period of XX/XX/XXXX-XX/XX/XXXX. I met the requirements listed on the verification form of an annual average of at least 30 hours or more for this time period.
Consumer complaint received 2016-04-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

Bureau is reporting inaccurate information regaurding my personal information. Also there are accounts being reported that are not even mine. I have contacted the Bureaus about these matters and have had no success. This is becoming very frustrating as I am trying to apply for a home loan, but being deprived by false information.
Consumer complaint received 2021-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (KS)

I received a letter dated XX/XX/2021 that was sent to my address that someone tried to request to open a Pay Pal Credit account on XX/XX/2021 under my name XXXX XXXX. The Reference # XXXX. Although it was not approved because of verification in identity. Synchrony Bank issues credit for Pay Pal Credit and there is a data breach because I receive emails sometimes that says I have available credit with Pay Pal and does not know what Pay Pal is talking about. I never applied for a Pay Pal Credit account and appears to be a data breach with the company.
Consumer complaint received 2017-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

i had an original complaint about the loan stating that XXXX XXXX XXXX, complaint number XXXX. after being in court today, XX/XX/XXXX, i have been told by the attornies that XXXX XXXX XXXX was not the bank that foreclosed. the bank is XXXX XXXX XXXX XXXX, so i would like to open a new complaint against them. they foreclosed on a fraudulent and predatory loan that somehow they acquired. the issues are still the same, terms agreed upon were changed by the home lender, XXXX XXXX XXXX, during the document signing. with the terms changed it made this loan unpayable. the truth in lending act was violated and numerous other violations were done. i have a forensic audit on the loan proving this. the company XXXX XXXX XXXX went bankrupt in XX/XX/XXXX after writing multiple bad loans. i should not have lost my house, it is now up to XXXX XXXX XXXX to correct this miscarriage of justice. i need answers quickly, i can not wait 60 days. the new owner is pushing for eviction. i need all matters involving my house to be reversed by the government. please call me @ XXXX or e-mail me, XXXX this matter is very urgent
Consumer complaint received 2024-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX XXXX XXXX report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to XXXX XXXX a ( d ) ( XXXX ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
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: Experian Information Solutions Inc. (AZ)

In XX/XX/XXXX I pulled my credit report from Experian and noticed an account listed as " Joint Account '' for XXXX XXXX. I have never been had a Joint Account with anyone other than my husband. I called and found out that this account is for Dental or Medical, I have always had full Medical and Dental Insurance through my husband 's employer, XXXX and would not need to have an account with XXXX XXXX. My husband passed away in XXXX so I have no way of asking him if he knew anything about this account. I wrote to Experian asking them to investigate this account because I am sure I never opened the account. Received the Experian response to my request which was, " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. '' The report showed who the account holder is and I do know the person but I never opened the account as a joint holder with this person who used to work for us on and off and she moved out of state. This account was opened fraudently without my knowledge. The account holder could cause my perfect credit score to downfall or could open other accounts with my information since she apparently had access to it at one time.
Consumer complaint received 2021-03-25
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was the victim of fraud, I request proof from XXXX  XXXX XXXX which they never provided and the case went to court and I was ruled against because I had no proof, the court issued garnishment against my wages which has been deducted weekly from my salary and paid to the attorneys representing XXXX  XXXX XXXX, which is not applying it to my account and continues to report me late monthly and also an incorrect amount.
Consumer complaint received 2017-12-07
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: SYNCHRONY FINANCIAL (DE)

My name is XXXX XXXX, I have been writing and sending certified letters to XXXX XXXX in regards to a care credit credit card ; the company is claiming there is an account that they claim to be charged off in the amount $ XXXX.This account in negatively reporting on my credit reports. I previously disputed this account on two separate occasions. Not only that this company has yet to mark my credit report as disputed and I set out the first dispute letter XX/XX/XXXX, 2017. This is not my account, the debt collector 's has not been able to validate the account. This account should be removed from my records since it was clear that I did not create this account. Nor can they provide me proof that I signed any legal document with my signature binding me to a contract with this company.The account in question # XXXX the whole account number is n't reported as well. Thank you
Consumer complaint received 2019-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NJ)

Citibank Dividend Credit Card offered 5 % cash reward for car rentals and airlines purchases from XX/XX/XXXX to XX/XX/XXXX. 

Citibank sent out email to me and I activated the Offer via email one click. 

I made purchases of car rental in XXXX and XX/XX/XXXX totaling {$180.00}, and purchased airline tickets in XX/XX/XXXX totaling {$1100.00}. 
The total purchase of car rental and airline is {$1300.00}. The total reward should be 5 % of total purchase equaling {$67.00}. However, Citibank only gave me {$13.00}. The difference is {$54.00}. 

I spoke to Citibank customer service center in XXXX. The first employee didn't know what I was talking about, then I was transferred to XXXX, who is a supervisor. After I explained to her what the reward offer was, she told me the travel reward offering was for XXXX, not XXXX. I told her the website which has the reward calendar, she insisted I was wrong. When I asked to speak to her manager, she insisted that no manger is available.
Consumer complaint received 2020-05-04
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. (NV)

I Have contacted CREDIT BUREAUS on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Consumer complaint received 2017-12-07
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (LA)

On XX/XX/XXXX I reached out to Navient to make a payment on my student loans and was told that I was not current. I thought I was under deferment for a year, Navient claimed they had tried to reach me but the number that I have has been the same since XX/XX/XXXX. I then was forced to accept a forbearance, which later I found out because of my current situation I should have been granted a deferment, and made a post dated payment of XXXX.I have a number of issues with this company. On XX/XX/XXXX, I reached out to the CEO of Navient to correct inaccurate late payments that they were reporting to my credit report. In reference to Section 623 of the FCRA that he fix the inaccurate late payments that was horribly affecting my credit and my ability to obtain employment. I have been turned down 3 jobs so that is what made me look more into my credit report. I gave him a receipt of 15 days and still no reply. On XX/XX/XXXX I reached out to Naveint again, and was defiantly told that I should have been offered and granted a deferment and that XXXX XXXX, CEO would be contacting me within 48 hours to discuss this matter, I received no call for him. I then was told that I was in forbearance but on my credit report it was reporting as deferred for 3/4 of my loans. I have tried to be patient with this matter but this is not getting me anywhere. I cant even obtain a descent job in the field because of the inaccurate late payments they are reporting to my report and it is taking a toll of my finances and also my personal life. All I want them to do is update my late payments and give me a reasonable amount to pay back until I get on my feet which I do not mind
Consumer complaint received 2017-12-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Mercedes Benz Financial Services (NY)

Purchased a needed XXXX XXXX matic for $ XXXX with $ XXXX as deposit and $ XXXX in XX/XX/XXXX. There interest rate was manipulate and inaccurate Federal Truth In lending disclosure. Car was paid off infull and forcefully entry used to take my car away by XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX when upon lemo law mediation been setup by the State. The car did not have any emission record and it was lemo within first 90 days of purchased. Over paid for the car. The sales representative XXXX XXXX XXXX it at sovereign motor cars.
Consumer complaint received 2021-03-25
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. (VA)

I was recently reviewing a copy of my credit report and discover it contains some errors pertaining to the following personal information. I'm requesting that you update and delete the address. I have never resided there. they may be possible relatives addresses but they are not mine. I have accounts that are reporting inaccurate and incomplete credit information on my credit report I am also unable to get my XXXX credit report. I have a current account with XXXX XXXX I do not hold them onto account however I have 2 negative accounts listed on XXXX XXXX which I do not owe. I will list my current bill with XXXX XXXX in the documents section below. I am also requesting my name and addresses telephone numbers be updated and removed and any other names and addresses and telephone numbers that do not belong to me. 
XXXX XXXX XXXX -UNKNOWN ACCOUNT Inaccurate addresses XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX XXXX XXXX XXXX va XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX XXXX XXXX ny XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-25
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: TD BANK US HOLDING COMPANY (CA)

Hello, I currently have a credit card with TD Bank, for XXXX. I normally buy a phone every 2 years and use this credit card. Well the last time I purchased a phone, when I went to put in my information it asked for all my personal information. So I called XXXX and they told XXXX was fine and my account information would be " linked '' to my current account. So this time when I tried to purchase my new phone, I filled out the information and then was alerted that my credit was run. This is now a hard inquiry on my credit report and now have 2 accounts with the company. I called the company, and was told I applied for credit. I explained the previous experience and how I didn't understand how I would have two accounts from same company. The representative couldn't explain and said they can close the new account and see if I'm eligible to raise the existing accounts credit limit. I was given no other option, I'm at a lost for words how this can happen. I was upset and asked how does this happen and the representative basically didn't want to get into the conversation.
Consumer complaint received 2020-05-08
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. (GA)

EQUIFAX continues to report this one fraudulent account on my credit report and refuses to report the other 6 accounts that do belong to me ... ... they are not giving me a score because of that ... .and I have repeatedly tried to get this corrected with no progress. 

Capital One does not belong to me!! Acct # XXXX I have 6 other accounts that are not reporting and definitely should be : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/CREDIT XXXX
Consumer complaint received 2018-06-11
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: TD BANK US HOLDING COMPANY (NY)

I've been divorced a couple of years now and I've changed my address twice. At one time my husband and I had joint accounts with TD Bank but not since our seperation in XX/XX/XXXX. I am at my current address over a year now and TD Bank have been mailing credit card applications to my Ex-Husband at my address. I have received 6 since the begining of XX/XX/XXXX
Consumer complaint received 2017-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BB&T CORPORATION (VA)

I was charged a late fee for my mortgage payment by BB & T Bank, even though the payments are set to automatic bill pay ( from a different bank, with whom I have a checking account ). The bank from which the payment came states clearly that the eCheck was sent the day it was due ( the same day of the month on which it is always sent ), and it was received that same day by BB & T.
Consumer complaint received 2017-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bread Financial Holdings, Inc. (VA)

On XXXX XXXX of XXXX I initiated an balance transfer for {$6200.00} from XXXX XXXX ( total rewards XXXX ). After three weeks I contacted the bank through secure messaging. I informed them that the transfer was not received by XXXX XXXX. I have called them multiple times and always get a run around and have never been contacted by anyone by phone. After the last call the send a letter stating they are working on my inquiry ( dated XXXX/XXXX/XXXX ) ... this was the second letter. So now for 5 months I have been paying the balance on two credit cards. 

I feel I have exhausted extensive time to solve this problem with this bank and do not see a resolution. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Account Number : XXXX Bank Number : XXXX Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX
Consumer complaint received 2017-12-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc. ()

On XX/XX/XXXX I was locked out of my Coinbase Account which funds still held within. Over a week later I 've still not managed to access my Account to purchase or withdraw anymore funds which I urgently need to do. I have tried to resolve directly with the company but still no luck. 

When logging in through the browser I get 'Sorry account temporarily disabled. Please contact support '. When trying through the app I get 'Error - Your account has been locked. Please visit Coinbase to resolve '. 

I think I was locked out because I entered my password incorrect too many times. I then tried to re-set the password but no luck as of yet.
Consumer complaint received 2017-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (PA)

This is a fraudulent account. Ive never had XXXX service nor a XXXX phone. My identity was stolen and multiple fraudulent accounts where opened under my name without my authorization and or knowledge. This account is one of them. Ive disputed the validity of this account with SOURCE RECEIVABLES MANAGEMENT several times to no avail. SOURCE RECEIVABLES MANAGEMENT refuses to provide me with the documentation Ive demanded them to provide me with, SOURCE RECEIVABLES MANAGEMENT, refuse to remove this account out of my name and off my credit report. Ive included in the desired outcome section the letter mailed to SOURCE RECEIVABLES MANAGEMENT.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$250.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2017-12-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: MoneyLion Inc. (AZ)

Paid Loan In Full on XX/XX/17 with MoneyLion. Contacted company, via e-mail, to cancel my " membership '' fee to MoneyLion Plus, but was told that I needed to reach out to a " specialist '' to cancel. I used the exact same e-mail address that was sent to me to acknowlege that the prior " membership '' had been processed.