davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (PA)

Edfinancial does not have weekend hours to accommodate borrowers. I contacted Edfinacial on XX/XX/XXXX regarding a student loan that qualified for PSLF and had been serviced by XXXX. 
I submitted a paper loan consolidation on XX/XX/XXXX to complete my double consolidation process thus my resulting loan has not directly received a parent plus loan. My paper loan was to complete the consolidation to qualify before XX/XX/XXXX for the one-time IDR waiver/correction to take place. 
In summary, my loan should not be with Edfinacial. On XXXX I spoke with XXXX representative for Edfinacial. XXXX assured me I would be placed in forbearance while my loan was pushed back to Mohela as it is a PSLF loan. XXXX placed me on hold several times while he spoke with a supervisor. I hoped XXXX was correct. I logged on to Edfiancial portal I had just created. I had been paying XXXX. My current loan started in XXXX of XXXX. The consolidation loan with Edfinacial was also set as a new XXXX loan starting XX/XX/XXXX and ending when I would be XXXX ( If I lived ) in XXXX. My loans should be forgiven at this point with the IDR waiver when applied post-consolidation. 
When I saw this loan had an additional principal of {$170000.00} My new payment is {$3700.00}. My plan under XXXX was {$680.00} per month. I could never make the payment Edfiancial set nor should they be my servicer. 
I called Edfinancial on XX/XX/XXXX and spoke with XXXX at Edfinacial. I asked XXXX if my call was recorded. She verified the call was recorded. I explained all of the above to XXXX. XXXX misrepresented PSLF to me. XXXX told me it did not matter if my payment was not paid as " they do not report to credit agencies ''. I asked XXXX to escalate me to a supervisor or escalation team. XXXX put me on hold. XXXX returned telling me they put me on a " level '' plan. I explained I qualify for the IDR plan. I have my paper application ready to send. However, I am scared to death to do anything. 
XXXX intimated I did not qualify for XXXX???? I reiterated the above. I informed XXXX my Edfinancial inbox holds the forms I submitted should be there showing I am in the PSLF program. XXXX was not willing to nor informed about PSLF, my account, forbearance etc. She would not connect me with a supervisor. I am accruing interest on a loan Edfinacial should not hold. I never requested Edfinacial. I should be with XXXX. Edfinancial rep XXXX and XXXX placed me on hold multiple times to seek information. I believe both were ill-informed. 
Today I opened a letter saying my payment starts on XX/XX/XXXX. My account online states my payments start XX/XX/XXXX. I am not placed in forbearance. Edfinacial representative I spoke with has not considered my waiver nor communicated in any matter with me- the consumer to ameliorate a loan close to forgiveness- rather create a new XXXX loan to benefit XXXX. I was disconnected or dropped from my next call with XXXX.
Consumer complaint received 2022-10-31
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-31
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: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-07
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-23
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 — Investigation took more than 30 days
Company: General Motors Financial Company, Inc. (FL)

On XX/XX/2022 I contacted company to make an over the payment. I made payment but company representative never submitted it. Company ( GM Financial ) later reported missing payment on my Credit report. I called company to fix inquire about problem and was told by representative that it was not my mistake and transferred to customer service. XXXX XXXX at customer service ) told me he was going to help me, that he needed to talk to his supervisor and that he would call me back. When I asked him for written proof that payment was made on time, he refused to provide it. Missing payment is still on my XXXX credit report and my credit score dropped 133 its because of this neglectful incorrect repor. 

I've never had any late payments with GM Financial or any of it's affiliates.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX # XXXX -Date Opened : XXXX BALANCE {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX - BALANCE {$1400.00} Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-12-07
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: Thaxton Investment Corporation (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions. Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CO)

Hi, I bought my home and borrow {$400000.00} from XXXX XXXX XXXX, loan number XXXX. Closing date XX/XX/2022 After I sold my old house, I paid {$350000.00} in XXXX and also paid XX/XX/XXXX due monthly payment of {$3700.00}. That went to principal {$2900.00}, escrow {$640.00} and only {$180.00} to interest due to XXXX payment made in XXXX. 
XXXX XXXX XXXX then sold my loan to PennyMac and they did not send any payments I made to them to PennyMac. I tried calling both sides several times and no one wanted to do anything. Because of it, my XXXX payment to PennyMac had to bear the full interest of {$400000.00}. I called again and they add XXXX payment dated XX/XX/XXXX, so I still have to pay the interest of {$1500.00}, instead of {$180.00} I am stuck between 2 companies and it took me too much times, but as of now, I still lost more than {$2700.00} as a result of this transition. Attached are my XXXX monthly statement from XXXX told me I had {$47000.00} principal balance, while XXXX monthly statement from PennyMac told me I owe {$46000.00} AFTER I already made XXXX payment. 
My calculation I should owe PennyMac XXXX now, not {$46000.00} And my lost is {$2700.00}
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XX/XX/XXXX MY STRAWMAN NAME READS : XXXX XXXX XXXX MY STRAWMAN ADDRESS READS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My First & Last MIDDLE name are as follows : : XXXX XXXX XXXX My Current Street Address is as follows : XXXX XXXX XXXX XXXX XXXX XXXX After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and ACCURATE information on my credit report per FCRA regulations 15 USC 1681a and I demand, as my lawful right, for any names and addresses other than what I have listed above and below be removed immediately as they are not accurate and untrue, My First & Last name are as follows : XXXX XXXX XXXX My Current Street Address is as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX After you have completed my request, please send me a copy of my credit report reflecting these changes. My current address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX YOUR COMPANY IS SETTING ME UP FOR IDENTITY THEFT FRAUD PRIVATE AND PUBLIC FRAUD IF MY MAIL FROM YOUR COMPANY ENDS UP IN THE HANDS OF A SCAMMER XXXX WILL BE LIABLE AND I WILL SUE FOR NEGLEGANCE! DELETE ANY NAMES ADDRESSES ALIAS THATS NOT IN THIS LETTER THAT IS HOUSING ON YOUR PLATFORM! 
AFFIANT .XXXX XXXX XXXX. Beneficiary OF XXXX XXXX XXXX not the TRUSTEE UCC1-308 WITHOUT PREJUDICE
Consumer complaint received 2022-09-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital one has charged off an alleged debt they claim I owe which they received a tax deduction for. They are now double dipping by and violating my consumer rights by pursuing unlawful legal actions for the alleged amount of {$2000.00}. They also sold the alleged debt to a debt collector firm XXXX XXXXXXXX XXXX XXXX, who is also falsely misrepresenting themselves as an attorney for Capital one. When they have stated they are debt collectors multiple times.These false claims are violations of FDCPA, FCRA, GRAMM LEACH BLILEY ACT, & FLASE CLAIMS ACT against the United States.
Consumer complaint received 2022-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/2022, I did XXXX XXXX transactions, {$190.00} each, through my Chase app which were errors. I contacted my local Chase department the next day and was told that the transactions could be canceled and the money should be returned to my account once the transactions were cleared. 
I called the bank 's online support on XX/XX/XXXX, and explained the situation, and asked to reject the error transactions. I filed a claim under XXXX XXXX XXXX, XX/XX/XXXX, Chase sent me a notice that they were not planning to resolve this issue or return the funds back to my account.
Consumer complaint received 2024-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I am writing to formally request a reinvestigation of Claim # XXXX regarding a {$2900.00} transaction dated XX/XX/2024 with wells fargo. While I authorized this purchase, I have not received the item as described, and the handling of my case appears to have overlooked key details. 

Here is a summary of my concerns : 1.After my initial dispute, the merchant provided a XXXX tracking number to Wells Fargo but did not share it directly with me. 

2.When I disputed again, the merchant eventually sent me a XXXX tracking number along with a blurry image of a used XXXX shoe box with newspaper from XXXX, which is entirely inconsistent with my purchase. My purchase was a XXXX XXXX bag. 

3.Despite these issues, the bank has repeatedly stated that my dispute was based on an unauthorized transaction and non-receipt of goods. While I did claim non-receipt, I clearly stated that the transaction was authorized but the item I paid for was not delivered. 

The merchants submission of a generic XXXX tracking number does not address the core issue that the goods delivered ( if any ) are not the items I purchased. 
To assist with the reinvestigation, I have attached the following evidence : The XXXX tracking details and the image provided by the merchant. 
I respectfully ask for your assistance in reviewing this matter thoroughly to ensure a fair outcome. Please let me know if additional documentation or clarification is needed. 

Thank you for your attention to this matter. I look forward to your response.
Consumer complaint received 2022-07-16
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. (MO)

Im resubmitting a complaint to you today due to my complaints # XXXX, XXXX, and XXXX was closed last XX/XX/XXXX when I reviewed it. Again, it appears that my credit file has been compromised. I was going through my records & noticed many items which do not belong to me. There are still remaining items on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to block any item listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. Here is the list of items that not belong to me : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX CT XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX AV XXXX, TN XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX
Consumer complaint received 2022-09-23
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: DOLLAR MUTUAL BANCORP (PA)

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code $ 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

Under 15 U.S. Code $ 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-07
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: CREDIT ACCEPTANCE CORPORATION (MI)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 usc 1681 section 602 states I have the right to privacy.

15 usc1681 sections 604 a section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 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 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To Whom It May Concern, I received a copy of my credit report and found the following inaccurate items which are reporting an error : XXXX - XXXX This doesn't belong to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files! 

XXXX  XXXX - XXXX This doesn't belong to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files! 

XXXXXXXX XXXX XXXX - XX/XX/year> I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX XXXX  - XX/XX/year> I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX XXXX - XX/XX/year> I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX XXXX - XX/XX/year> I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX - XX/XX/year> I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX XXXX XXXX - XX/XX/year> I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX - XX/XX/year> I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX - XX/XX/year> I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX XXXX - XX/XX/year> I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX XXXX XXXX - XX/XX/year> I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX XXXXXXXX XXXX  - XX/XX/year> I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported.
Consumer complaint received 2024-10-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NM)

XXXX credit cards went into collection years ago. The debt collector ( Portfolio Recovery ) sued and won and is now garnishing my wages and still currently is to this day. They still keep trying to contact me and call at all hours of the day to collect the debt even though they are ACTIVELY garnishing me. Im being harassed at this point.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting XXXX XXXX XXXX Account 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