davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-14
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (FL)

I had been working on a XXXX  standalone mortage to cure a past due balance for several months. The first time I completed it, Freedom mortgage put the wrong maturity date on the documents, it was rejected by county recording, and it took them XXXX months to correct. During the time I was in process, Freedom Morgage had robo called me XXXX times between XX/XX/XXXX to XXXX XXXX of this year to the point I had to remove my number from my online profile and block them on my phone. They were also having people post notices on my door at home. I called around XX/XX/XXXX and requested they cease leaving notes on my door. I called their closing team number XXXX on XX/XX/XXXX when they did it again. They have since posted a XXXX letter XX/XX/XXXX and, a person in my house saw it with my private information disclosed. I tried to request a XXXX time to cease and desist in writing via the website and the system would not allow me to do so. This is a serious privacy violation and harassment of a XXXX XXXX XXXX XXXX with XXXX.
Consumer complaint received 2022-09-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (KS)

Requested refund of student loan payments per CARES Act. Aidvantage indicated that the timeline for a ( direct deposit ) refund of {$3300.00} would be 8 weeks. There has yet to be any documentation providing the status of the refund or that a refund is being processed. The extreme timeline for a refund, paired with the XXXX tracking or visibility is unreasonable. Also, two loans still show balances, but have actually been discharged through Borrower 's Defense as per the studentaid.gov website.
Consumer complaint received 2020-09-17
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: Experian Information Solutions Inc. (MD)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

I am currently still being reported inaccurately on credit report by the State of CT XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. The report shows past due and delinquent payments. I will be attaching letters that dispute this information. I do have a letter from the State of CT dated XX/XX/XXXX that shows all my current support was up to date and it was reported to consumer reporting agencies. I will further attach information that shows the amounts were fully paid off in the year XXXX.
Consumer complaint received 2022-07-14
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. (NV)

Im 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 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 is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX U S DEPT OFEDXXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX 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 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 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  Inquired on XXXX XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-04-30
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX {$880.00} XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX {$890.00} XXXX XXXX {$2300.00}
Consumer complaint received 2022-07-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

Someone was able to access my online banking from an XXXX ( I have an XXXX ) from XXXX XXXX ( I live in XXXX  ) and sent XXXX XXXX payments ( {$150.00}, {$250.00} ). Then proceeded to file claims on transactions I had legitimately done to have funds reversed putting {$160.00} back in my account and then sent a XXXX XXXX ( {$150.00} ). They were all sent to a " XXXX '' which I do not know a " XXXX ''. I have never used XXXX before either. I proceeded to contact my bank, Chase, and processed the necessary claims and had to change my passwords, usernames, put extra security on my account and enroll in ID theft protection. Chase proceeded to give me provisional credit for {$400.00} of the {$550.00} while they did the investigation. Chase then took the {$160.00} back out of my account the next day. A week later I got a letter stating that they had conducted the investigation and found that the charges were legitimate and authorized so they would be taking the {$400.00} back within XXXX business days. I contacted Chase and asked for an explanation and was told a fingerprint was used to make XXXX payments. I assured them that it was not me, I do not know a " XXXX '' nor have I ever used XXXX. Chase told me that I could reach out to the person the XXXX was sent to to request refund. I then was very frustrated and wondering how on earth I could reach out to someone I did not know who they were. Last I checked, you have to have a phone number or email address to send a XXXX, if I didn't send these payments, how would I have this information?? I proceeded to go onto my chase app and look into my XXXX  feature. I was never enrolled, and it asked me to enroll, so I took screenshots of that page and the enrollment confirmation. I then saw my most recent recipients/transactions ( people had sent me XXXX, but I have never sent via XXXX  ) and guess what, there was no " XXXX '' listed. I screen showed this as well and sent in all my evidence to Chase hoping this would help get my money back. I am a single mother of XXXX XXXX  who has also been a customer of Chase for over XXXX years. I have been loyal to them and I get treated like this.
Consumer complaint received 2022-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. 
1.Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2.Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3.Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4.Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
5 Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
6. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
7 Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
8. Validate Account XXXX XXXX Account Number : XXXX  Please remove it from my credit report. 
9. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
10.Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
12. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
13. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
14. Validate Account XXXX Account Number : XXXX
Consumer complaint received 2022-07-14
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)

Im 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 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 is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX U S DEPT OFEDXXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX 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 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 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 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-07-14
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. (FL)

I am sending a request again from your good company to remove the accounts that are being disputed. It is in the law that unverified accounts should be removed, yet the accounts are still reported. I sent a dispute last XXXX. Please check the attached and I also included my letter to be sent today. I hope you could help me with this because I am getting more frustrated with how the bureaus are responding to my request. Thank you!
Consumer complaint received 2020-04-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Advance America, Cash Advance Centers, Inc. (IA)

To Whom It May Concern, Please may I ask for your help? Due to my wife needing XXXX. I was forced to take a pay-day loan from a company in XXXX  XXXX, Wisconsin. Due to the COVID - 19 outbreak I have now lost my job of 12 years. The company is known as Advance America. The interest on this loan is 235 % annually. I called the company and inquired if due to the pandemic, the company was not allowing for interest to accrue. I was told there are no requirements for the company to abide by. This seems outrageous to me, as all regulated banking institutions are working out forbearance agreements with their customers. Why does not the State of Wisconsin allow for companies to operate such as this? 
Every other company that I am dealing with, is allowing for no accrued interest and no late fee penalties. The company takes the stance that they are here to help those in need, Really? If so, help now when the world is devastated. I sincerely want to get the organization paid in full as fast as possible but I need their cooperation. I sincerely can not pay interest in the hundreds of extra dollars This company also assured me that they do not do hard inquiries on credit reports, yet I have them on my credit report. This I feel is taking severe advantage of individuals that are in trouble financially. I needed a " fast '' loan that I had all good intentions of paying back within 2 months. Then the world fell apart and now I am stuck. May I please ask for your support in these difficult times, Thank you
Consumer complaint received 2020-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (CA)

Sequium Asset Solutions is trying to collect a debt from XXXX which has been paid. They have violated the FDCPA by refusing to send any documentation which and an actual notice of their attempt to collect a debt. Even though they are calling from XXXX, Georgia they are spoofing number to make them appear local. Apparently, according to the internet they have a long history of violations. This is regarding an account for XXXX XXXX XXXX, XXXX XXXX, CA XXXX.
Consumer complaint received 2019-08-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: PLS GROUP, INC (IL)

I took out two installment loans on XX/XX/XXXX totaling XXXX XXXX dollars each at PLS XXXX XXXX XXXX XXXX, IL.XXXX location. On a couple of occasions, I've been making my loan payments on time and when there we're times I could not make a payment, I would call XXXX or XXXX and make arrangements to pay on a different day. I check my bank account on XX/XX/XXXX and XXXX claimed that XXXX put my check through. XXXX lies because this is the second time she did this and wanted to put it off on XXXX. I told her I wanted to speak to XXXX and XXXX said XXXX wasn't there. This is the second time XXXX put my check through, when she knows I always come into the store and pay. XXXX was very rude and incompetent of telling me how much she submitted the check for. I had an upcoming payment for XXXX XXXX, XXXX for the minimum amount for {$37.00} and XXXX submitted the check for the full amount of {$230.00}, I didn't request her to do that and I was only one payment behind and I was going into the store on XXXX XXXX, XXXX to make my minimum payment and XXXX was aware of that. XXXX and XXXX are very shady, especially when this is the second time they did not inform me that they we're processing my check and they are doing it purposely especially they couldn't inform me as a customer. After my loans are paid off, I will NEVER use PLS or refer anyone to them ever again. I would rather be down to my last, then to borrow a loan from them.
Consumer complaint received 2023-01-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I opened disputes. They just kept saying they couldn't open disputes due to accounts being verified but could not prove who they spoke to or who validated the debt. The debt was improperly validated. They are reporting inaccurate information.
Consumer complaint received 2023-01-08
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. (IL)

Based on my communications with all the credit agencies in XXXX of 2022, regarding the inaccurate information posted to my credit report ; I explained to all 3 agencies to investigate the information posted that was not accurate. Their response was that the information posted was accurate per their investigation. I asked if they could investigate each account listed on my file. 

According to the Fair Credit Reporting Act the term investigative consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such item ( s ).

They also stated that my account was verified, but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts reported are not 100 % accurate. Additionally, according to the Fair Credit Reporting Act 15 U.S. C. 1681 everything has to be 100 % accurate. I have downloaded a copy of my credit report. 

In accordance with the Fair Credit Reporting Act, the listed accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX. ) XXXX XXXX XXXX 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.

15 U.S.C 1681 section 602 A States I have the privacy.

15 U.S.C 1681 Section 604 A It also States consumer reporting agency can not furnish an account with writer Instructions.

15 U.S.C. 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692b not use any language or symbol on any envelope or in the contents of any communication affected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt
Consumer complaint received 2023-01-08
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: NCB Management Services Inc. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2021-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.