davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (VA)

First, PNC was notified of a problem. Then I got transfered and the second lady/supervisor wanted me to waste time going all over the issue again, when I had said, you need to document this and fix it. So I told her she needed to get back to me in writing on it. I received a couple of emails, but again, the company refused to put the answers in writing, to fix the problem, etc. 

I want PNC to start paying me when their front line folks are not taking the appropriate steps to listen to what the issues are, and then go fix it, either from their end or move it to someone else. It is not my job to repeat at least 5 or 6 times to different people, what the problems are, unless they're paying for my time.
Consumer complaint received 2021-10-07
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: DISCOVER BANK (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2018-02-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (WI)

I submitted an online application for a student loan consolidation with XXXX XXXX XXXX on XX/XX/XXXX. Funds were dispersed XX/XX/XXXX to pay off various private student loans. The total amount was {$69000.00}. PRIOR to disbursement of the funds, I was not provided a promissory note, nor was I made aware of the terms of the note, including the interest rate, the manner in which payments would be applied and/or any default terms. In XX/XX/XXXX, Discover Student Loans purchased my loan. 

Around 4-5 years ago, I was curious about how much I had paid on this note and what I had left to pay. I was shocked to discover that of over $ 50K in payments, less than {$2000.00} went towards principal. I started to look into information like where they got the interest rate from, terms of re-payment, etc. I asked repeatedly for a signed promissory note that detailed these items out. They repeatedly told me that they got the interest rate from the promissory note. 

They sent me the application I submitted through XXXX and a generic promissory note that did not have my loan number on it, my name on it, and was dated a full two months prior to me having applied for the loan in the first place. Over the past 12 years, I have paid {$68000.00} towards this note. I was continually threatened with them " charging off '' the loan, even though they lacked the terms and conditions in a promissory note that would result in a charge off! The continually threatened to default me, even though all I ever asked for was proof that they had the authority to charge the interest rate they were charging and evidence of any type of authority to apply payments as they have. 

I have been exceedingly patient with these people. I have asked repeatedly for documentation regarding the proof or evidence that allows for what they are charging me and I am convinced that they do not have it, and that they are aware that they do not have it. 

I was informed today that my loan " charged off '', whatever that means. I believe that any negative reporting to the credit bureaus without indicating that this debt is disputed is a violation of the Fair Credit Reporting Act. I believe that XXXX and Discover both charging the interest that they have and applying payments without the proper authority in a signed promissory note violated the fair debt collection practices act. I sent Discover a demand for settlement XX/XX/XXXX. That settlement demand was denied, but they never gave me the courtesy of a reply to inform me of that. I learned that today while calling to check the status of things. The again informed me today that the interest rate was set by the promissory note.
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I am having problems getting the XXXX 30,60, and 90 days removed off my credit. I was not properly notified that XXXX or XXXX XXXX was going to report to credit report. I am XXXX so could not read the bills because not XXXX  and no one communicate over the phone. I contacted the bank multiple times one staff told me it is not there responsibility that I XXXX. I also called the automated system does recognized my ssn number and being forced to stay on phone for at least 45 minutes. 
I believe the company violated my rights because I am not properly getting accommodation for my XXXX. I reached out to the company over 90 day period and was told could not find my account.
Consumer complaint received 2021-01-28
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: TRANSWORLD SYSTEMS INC (IN)

On XX/XX/2020, TSI, Transworld Systems Debt Collection reported an unpaid account on my credit report - amount {$220.00}. The original creditor is an electric company in Texas, XXXX XXXX. I have never lived in Texas and have never opened an account with XXXX XXXX. I had never even heard of XXXX XXXX. 

I contacted XXXX XXXX and they told me that my information does not match the information of the person who opened the account, including the social security number. They told me to contact TSI.

I contacted TSI and they told me that the account opener had a different name than myself, and a different home address, but that my SSN was the number associated ( If the companies disagree on the SSN, somebody is committing fraud ), I opened a dispute with TSI and they promised to contact me.

I filed a dispute with XXXX  credit reporting and it came back simply saying that the information was verified. TSI never followed up and told me that they would do nothing.
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (VA)

XXXX XXXX is incorrectly reporting my student loans to all major credit bureaus. I've had a Student loan with them since XXXX. In XXXX of XXXX XXXX XXXX transferred ownership of the loan to XXXX. However, XXXX XXXX has incorrectly reported that my account is " Closed '' " Not in good standing ''. 

I have not missed a payment since XXXX with XXXX XXXX and am being negatively impacted. My 10 year student loan history is inaccurately being reported as 2 months. XXXX has reported the payments i've made over the last 3 months, but do not include any indication that the loan is an existing one prior to XXXX of XXXX. 

I have contacted : XXXX, XXXX  and XXXX  in order to have this updated and the derogatory remark of " Consumer Disputes After Resolution '' removed from my credit history. In addition, XXXX XXXX has not clearly reported account updates to all 4 major credit bureaus.
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

I have been locked out of the online credit freeze service at Equifax called MyEquifax, which only presents me with a screen that tells me I must call them to manage my credit freeze. This is acceptable although inconvenient, but on XX/XX/2019 when I attempted to temporarily lift my freeze over the phone, the automated system repeatedly told me I had a temporary lift ending XX/XX/2019, and then immediately ended the call after that information. By trial and error with pressing 0, I was able to reach a human agent, who verified some information but hung up before doing anything to fix either my online login or credit freeze problem. As it is now, I can not open any new credit if the creditor pulls my score from Equifax.
Consumer complaint received 2019-11-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. ()

I was given 2x {$25.00} Vanilla Visa Gift Cards last XXXX with expiry dates of XX/XX/23 so didn't think there was any rush to use them. I went to purchase something for {$25.00} yesterday and it was declined. I thought perhaps I had to do something with then first so went online but didn't have the info needed so rang them. They informed me that both cards are worth {$15.00} now because they have been taking fees of {$2.00} per month from the XXXX month after the purchase date. Heaps of people are being caught out by this. It is disgraceful.
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (IN)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2018-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (WA)

I am filing this complaint due to the frustration XXXX XXXX and myself had in getting a payoff for our mortgage. 

XXXX XXXX XXXX XXXX XXXX called Selene Financial on XX/XX/XXXX, requesting the payoff amount for our mortgage loan. They were told that the information was unavailable due to the fact that they had only started servicing the loan on XX/XX/XXXX but the information would be available on Monday, XX/XX/XXXX. However, when XXXX XXXX called on Monday they were told that the information was still unavailable but they were attempting to get it by later that day. Every day that week, several times a day, XXXX XXXX called for the information only to told that the information was still unavailable but Selene would call with the information later that day or the next day depending upon the time that XXXX XXXX call. 

On XX/XX/XXXX, I called Selene and was told that information was unable due to the transfer of servicing the loan. They were aware of the problem and they were working on it and would supply XXXX XXXX the information as soon as they had it. For every question I asked, I was repeatedly told they were working on it. It was like they were working from a script and would not deviate from their specific verbiage. On that same day, I called XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, to ask for any assistance they could give me so Selene would get the payoff information to XXXX XXXX. I was told that the matter had been escalated by Selene and they would do the same. 

On XX/XX/XXXX XXXX XXXX again call and were told the same thing, they could not access the information. That afternoon, XXXX XXXX told Selene that they were ready to report them to an agency who handles complaints regarding matters such as these. Within 5 minutes, Selene called XXXX XXXX with the needed information. 

With computers, even with the transfer of the mortgage from one company to another, it should not have taken this long to get the information. 

I feel that XXXX XXXX and myself were given the run around from Selene during this time and they were not trying to get the information we needed in a timely manner.
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bliksum, LLC (CA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that XXXX XXXX XXXX  efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX XXXX XXXX is reporting inaccurate information on LOANME INC. This was purchased by another lender, so why is it acquiring late fees? I tried contacting the XXXXXXXX XXXX XXXX  requesting a complete payment history with this account for me to review the exact date on which the late payments and charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureau. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-03-28
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 (LA)

PayPal closed or limited 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 2019-11-13
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: CITIBANK, N.A. (NY)

I am writing about a citi card that was opened on XX/XX/XXXX and closed on XX/XX/XXXX. The situation is my account was closed due to a misunderstanding. Fast forwarding they had agreed since everything was paid off they would remove this account from all credit file agency 's. 

The main issue is it says account closed by credit granter. I always paid them on time and this whole thing was a misunderstanding. When they tried to call me I never got the call. I was a good client for years and as there supervisors told me they understood why I would feel the way I do and would remove entire thing from file. They have yet to do so. 

I have good credit and don't want a misunderstanding on my credit report. I would hope citi honors what there supervisors had said. I have spoken to them several times.
Consumer complaint received 2021-06-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (OH)

I recently contacted the original company I have a delinquent balance of {$580.00} for an utility bill. XXXX XXXX XXXX XXXX  XXXX company ) in good faith I want to pay my balance. I choose to pay them directly rather than the collection agency that shows up on my credit report. IC systems. 
I have made three payments thus far. 

Once I started making payments to XXXX XXXX XXXX  XXXX XXXX IC systems is maliciously flagging my credit report every few days within 30 days! This is harassment I owe IC systems nothing and they have no right to put such derogatory marks on my report in attempts to lowering my score and tarnish my record. 
I have screenshots, pictures of how many times and how often they are doing this. This is violating my consumer right to fair reporting and also against the law. 
I am XXXX years old and I am struggling to rebuild my credit. I have been doing everything right and when I start making payments to the original company IC systems starts viciously attracting my credit report. 
IC systems dates of bogus inaccurate illegal reporting .... 
XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX I will attach photos of each date. And proof of 2 of three payments I have made directly to XXXX XXXX XXXX  XXXX. 
This is clearly an attack from IC systems and they must be held accountable for their actions. 
Because I choose to pay the company directly they choose to retaliate and attack me in such an unprofessional way. 

They no longer have rights to my account as I am currently in contact with XXXX and actively paying. 
They have absolutely no right to attack my livelihood in such irresponsible violating ways. 
And they can not deny their actions with the pictures Ill include with this complaint.

This debt is old not new. All the damage IC systems inflicted on my report in 30 short days is unlawful. And Experian should NEVER allow such crime. XXXX  has a LOT of violating inaccurate reporting. Purposely holding credit scores back with bogus reporting is a violation!
Consumer complaint received 2021-01-28
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. (CA)

its simple is it legal for CC companies to report negative things to the CREDIT BUREAU while the DISASTER PANDEMIC IS GOING ON BECAUSE I READ IN THOSE LAW XXXX I BELIEVE IT SAYS NO SCORE CHANGE OR LATE PAYMENT SHOWED??? IT WAS IN THE WEBSITE DFPI???
Consumer complaint received 2021-10-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I disputed with the credit bureaus, telling them I was a victim of identity theft and that these accounts are not mine, therefore it should be removed. But I never received a response, it has been 60 days since then. Please help
Consumer complaint received 2022-09-20
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. (GA)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, ; XXXX XXXX XXXX XXXX  XXXX, IL XXXX ; XXXX XXXX XXXX XXXX AV XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$1700.00} ; Medical XXXX Balance : {$290.00} ; XXXX XXXX XXXX NA XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-06-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AL)

On XX/XX/XXXX I called the Borrower Defense to repayment application at XXXX to find out if I was eligible for money from XXXX. I was told that because I paid off my loan I was not eligible. I worked 2 jobs and paid approximately {$37000.00} in student loans and interest. I feel that since I worked 2 jobs to pay for this loan and paid it off in good standing and I should be entitled to my money back since the school defrauded me. After I graduated they sent me to XXXX XXXX and I was fired after 30 days. I was not properly trained by XXXX for the work that they wanted me to perform. Many of my classmates went through the same thing. We were promised good paying jobs, placed in a good paying job and terminated after 30 days. I took a job at XXXX 's after my termination in 2006. I took many jobs to try to pay off my loans and to remain in good standing. We have not been able to purchase a home because I spent my money on these worthless loans and we do not have enough money to purchase a house in this market were home prices are accelerating on a daily basis. My husband and I currently live in an apartment complex that is rift with drug users and other criminals because we can not afford to move into a decent home due to the money I paid into these worthless loans. XXXX XXXX dollars is a lot of money to throw away on a useless education.
Consumer complaint received 2022-01-06
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: CORELOGIC INC (IL)

i talked to 5 people at credco and asked them to remove themselves from my credit report and they said they would but just tried selling me a loan which i didnt want
Consumer complaint received 2019-11-13
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: DISCOVER BANK (NY)

I am writing to you about a discover account that is now closed. The card was opened on XX/XX/XXXX and closed on XX/XX/XXXX. 

I understand it was closed due a misunderstanding and when explained to me everything they had agreed as long as everything paid they would remove the entire card information from my credit history. Which they have yet to do.
Consumer complaint received 2022-09-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Zillow Group Inc. (CA)

Solicitation for refinance from Zillow Home Loans referencing a person who is not me or anyone who lives at my address. The addressee is shown as my first name and middle initial, with the last name of the person from whom I bought the house three plus years ago. 

This is either a bad data merge OR an attempt by an irate relative of the former homeowners tenant - but Ive got no way to tell. I will be attempting to contact Zillow home loans directly as well, but wish to understand if the data merge is fraudulent or illegal.