davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-06
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: EQUIFAX, INC. (CA)

Since the end if XX/XX/2022 I been trying to make corrections on my report regarding trade line if XXXX XXXX XXXX with Equifax, nothing has been fix and instead of conducting a " proper investigation '', they continued to on it, delete and.or do nothing regarding the information disputes. As of this date, I can not have a complete, accurate and verifiable trade line. I tried disputing on line, over the shine and last via cert mail. In addition, I have tried to obtain and dispute directly with XXXX, furnisher with no answer. It is a mystery and/or Comenity is not releasing the records of payments, charges and I am stuck with a trade line full of errors and incomplete because Equifax is not able to verify the information which was previously reported, once disputed, Equifax claimed that they contact the furnisher and it is accurate OR the information disputed is UNKNOWN. I am demanding accuracy completeness errors free in my consumer report. Please review the attachments, I made notes including dates, comments and circled the disputed information.
Consumer complaint received 2022-07-06
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: PENTAGON FEDERAL CREDIT UNION (MD)

I was alerted by my identify theft alert program, XXXX XXXX XXXX that a Pentagon Federal Credit Union ( " PenFed '' ) loan for approximately {$1500.00} was taken out in my name on or about XX/XX/2022, with an address in XXXX associated with the account. I have never done any business with PenFed, I never authorized anyone to take out a loan in my name, and I have never been to XXXX I contacted PenFed after receiving that notification, told them it was fraudulent, and was given a PenFed XXXX Fraud Reference Number of XXXX. The PenFed rep said they would mail me an affidavit to submit to PenFed to flag the account as fraudulent and that I would not be on the hook for the fraudulent loan. I never received an affidavit. I called PenFed again about a month or two later and told them the same story again. This time I was promised that the identify theft department would investigate it but was not given a new Fraud Reference Number. Today, I received an alert from XXXX that PenFed reported this account as delinquent and it negatively affected my credit score by XXXX points. PenFed has not investigated this fraudulent account, has not frozen the account pending an investigation, and must contact the credit reporting agencies to alert them that I have no delinquent account with PenFed and that it was fraudulent.
Consumer complaint received 2019-11-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WSFS FINANCIAL CORPORATION (DC)

XXXX XXXX XXXX XXXX, through its counsel, XXXX and XXXX, is illegally foreclosing on my home. The deed of trust was not properly notarized because my ex husband did not sign it in the presence of a notary and his signature was not acknowledged. See Murray v. Wells Fargo Home Mortgage, 953 And 308, 318 The notary acknowledged himself and not the borrower. The document is dated XX/XX/2006 but was signed on XX/XX/2006. The document was signed at XXXX XXXX XXXX XXXX in Washington DC. It is notarized by a Maryland notary who was not present. 
The settlement was scheduled for XX/XX/2006 but the documents were brought to the XXXX XXXX address on XX/XX/2006 by two women and Mr. XXXX signed them while under the influence of alcohol. There is a stamp stating XX/XX/2006 in the lower right corner. 
Mr. XXXX was not in Maryland on XX/XX/2006 nor on XX/XX/2006. 
There is title insurance which was originally with XXXX XXXX XXXX XXXX XXXX which was bought by XXXX XXXX XXXX XXXX XXXX. I have begun the claim process with them. 
Wilmington Savings Fund Society chooses to illegally foreclose rather than to resort to lawful methods.
Consumer complaint received 2019-11-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (VA)

I graduated from the University of XXXX with a XXXX degree in XX/XX/XXXX and a XXXX degree in XX/XX/XXXX. During this time I incurred student loan debt. 

In XX/XX/XXXX I earned my XXXX XXXX in the XXXX XXXX and I am currently still serving on XXXX XXXX. 

Towards the end of XX/XX/XXXX I began paying my student loan debt and I have been paying for my student loan debt sin

ce XX/XX/XXXX. Late XX/XX/XXXX - early XX/XX/XXXX I applied for Public Service Loan Forgiveness ( PSLF ) program through FedLoanServicing. I did not get a denial letter. However the FedLoanServcing Agent told me that I was not eligible for loan forgiveness because I consolidated my student loan. 

I do not understand why I am not eligible for PSLF, simply because I consolidated my loan in order to afford paying for my loan. Otherwise, I am eligible for the program.
Consumer complaint received 2022-10-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC (CA)

I have been on the forbearance due to covid 19 since XX/XX/XXXX. I have tried to deferre my loan payments to end of term and was initially approved then found out my servicer united wholesale mortgage canceled it. I then applied for HAF with the California mortgage relief and was approved for a grant to cover past due payments. California sent funds electronically to UWM on XX/XX/XXXX for {$21000.00} to make my account current and reinstated. UWM is stating they have not received the funds. I have reached out to the California mortgage relief team and was told they sent funds and needs to be handled internally. Im worried because UWM keeps advising me to apply for loan remodification, repayment plan, deferral when they already received funds from the state of California to help me. They only need to actually apply these funds but help is very difficult. Could you please help me to have them follow up on this to actually help me.
Consumer complaint received 2023-03-09
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: Experian Information Solutions Inc. (PA)

To Whom It May Concern, I received a copy of my credit report with the intentions of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not 100 % agreeing what they are reporting. I know by law from the Fair Credit Reporting Act where it states I have the right to challenge anything I am not aware is accurate. I have reached out to company below who is reporting inaccurate information. 

I ask the following accounts be removed right away : XXXX XXXX Acct XXXX XXXX XXXX In accordance with the Fair Credit Reporting act 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 states a consumer reporting/agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (NV)

My car was in an accident in XX/XX/XXXX and I was not at fault. The tow yard which my car was taken to gave my insurance 30 days to take it out and instead US Bank took the car out after only 5 days without telling anyone and classified it on my credit report but not to anyone else as a repossession and a charge off even though I was making my payments until they closed my account in XX/XX/XXXX. After that I was unable to make payments on it until my insurance got ahold of the car and inspected it to get a value of the car. The problem was US Bank lost the car and it took my insurance a few months of tracking it down for them to find it. After they found it they put a price on it paid off the car and I had my remaining balance. I called US Bank to find out the balance and they told me to wait for their systems to update before I could pay the remaining balance. I called the next week same answer. I called a third and fourth time and they told me to wait until I received a letter in the mail telling me my remaining balance and how to pay it off. While waiting for the letter I received a delinquency hit on my credit report. I called again and they basically said its not their fault and not their problem and I finally got the letter and paid it off. I went to the XXXX credit bureaus to dispute because US Bank told me they would not fix my credit report themselves and my first report I received back from XXXX was that US Bank refused to take accountability and would not allow XXXX to make the changes to my credit report.
Consumer complaint received 2022-10-05
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: Capio Partners, LLC (GA)

Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.
Consumer complaint received 2022-10-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (FL)

This debt is from XXXX over five years ago. I faxed everything to XXXX5 years ago that I did not owe the {$600.00}. I fax a bank statements, receipts, and transaction numbers. XXXX sold This account I guess this year in 2022 and they have called me about this debt that I specifically do not owe. At this point it is fraudulent and action is going to be taken as this is affecting my credit and my life.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

After reviewing my credit report for accuracy since fraud has been committed against me, I have disputed inaccurate personal information reflecting on all three credit reporting agencies ' reports. In an effort to insure that the correct information is reflecting in my file, I sent letters via certified mail indicating what personal information should be in my file. 

XXXX Certified Mail Tracking : XXXX XXXX Certified Mail Tracking : XXXX Experian Certified Mail Tracking : XXXX My personal information has not been updated upon my request.
Consumer complaint received 2022-07-06
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: Experian Information Solutions Inc. (IN)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Grow Credit Inc (NY)

Ive been trying to close account and pay bill but I can without logging into app and I Tried to solve this problem but they are only letting me pay with the app knowing I am not able to login to it Ive tried to give another form of payment but they wont let me and the keep reporting it on my credit but arent allowing me and option to give payment.
Consumer complaint received 2022-07-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (HI)

My student loans have been forgiven after over 4 years of endless run around and delays, by XXXX, then FedLoan Servicing, and now again they are going to XXXX... 

This is a violation of congressionally mandated timelines for forgiveness, and the fact that I simply hear that " it is with the Dept. of Education '' for months and months is unacceptable. 

I'm a XX/XX/XXXX XXXX XXXX XXXX, and this is an insult, embarrassment to DOE. I followed the guidelines, bent over backwards, repeatedly re-submitting lost and incorrectly interpreted/routed documents, and this is the shoddy service I get. Rediculous! Even their downloadable documents interface is now a mess, and they have 5 hour waiting on the phone lines- seriously, 5 hours, and then they disconnect you with no follow up. So, I've gone though all of that for 4 years, and finally I've been forgiven for OVER 6 months, approved ( see attached ) and all I get is 'its with DOE for review ' - - I'm going to the Inspector General next unless something is done. 

The latest status is that this has been sitting with the Dept of Ed. for 6 months plus, for nothing. 

Process the forgiveness today, and refund my overpayment today!!!!
Consumer complaint received 2019-11-19
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. (CT)

XXXX XXXX XXXX showed up on my report. I was puzzled when I saw that it was from XXXX  XXXX   Hospital as I have no children and have no knowledge of owing a XXXX hospital any money since Im not a child. I believe that this is unfair reporting under FCRA. I am still puzzled as to how someone acquired my ss # to charge me for a child medical bill.
Consumer complaint received 2023-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (VA)

XX/XX/XXXX at XXXX I logged onto Comenity Banks website for my account with them to pay a " mysterious balance '' of {$2.00} due ; when on the previous months statement ( XXXX ) my balance was {$0.00}. I paid it and asked them because of budgetary issues to please close my account, report to the three credit bureaus that the Request to close was by The Consumer and was left in Good Standing. They've done none of which and have since continued to as well as have a Collection Company and themselves call me. Month after month they continue to send me billing statements showing late fees, accruing interest and balance due- I've called them each month disputing and asking how can I Owe Anything the account is Closed i get tge " run around ''. My Credit Score has gone from XXXX to XXXX. I've since written to them on XX/XX/XXXX to the XXXX and XXXX XXXX. I received a reply from Comenity Bank on XX/XX/XXXX, XXXX they'd received my complaint and are researching to allow 90 days- my credit score is doomed!! 

I've more recently wrote to on XX/XX/XXXX my XXXX XXXX XXXX. His office called me today advising me to contact this office. 

Please help me before what I've worked so hard for is destroyed by Comenity Banks dishonorable and unfair business practices. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc (MA)

On XX/XX/XXXX, I dialed a number for XXXX XXXX to get help resolving my printer. XXXX to me, the agent I was connected to is not an XXXX employee, and he gained access to my computer to fix drivers any other issues stopping my computer from communicating with my printer. While he was supposedly fixing the problem, which took XXXX XXXX hours, ( and my printer was still not fixed, BTW ), he gained access to my PayPal account, and Banking accounts, and my XXXX account. 
He submitted a chage of {$1500.00} to Pay Pal, ( and they added a XXXX fee for the cash charge ) which was tied to my XXXX XXXX XXXX XXXX, and they authorized the payment as an authorized payment. I notified PayPal of the breach within 1 hour of the ended session with the indivual. They supposedly investigated, and are denying that this purchase was unauthorized, saying that this transaction was typical of charges on my PayPal account. I pointed out that I have NEVER sent cash to someone through PayPal or my XXXX XXXX XXXX, and have never made a purchase of such a large amount either. There is no address, no company name or telephone number for this individual, who's name is XXXX XXXX. There is also no explanation of services rendered. 
I also alerted my credit card company within XXXX hour and discontinued the card associated with the XXXX account. I am still waiting for XXXX XXXX XXXX  XXXX to take the charge off my credit card, and don't know at this time whether this will be resolved. 
He also tried to transfer {$1500.00} from my savings to a debit card, which my banking institution XXXX XXXX XXXX XXXX did fix right away. I the set up all new accounts and numbers with my local XXXX XXXX rep. 
He then went to my XXXX account and charged 5 Reload cards, each with a value of {$200.00} so he could shop at will. 4 of them were cancelled, but one of the 5, valueing {$200.00} was charged to my XXXX XXXX XXXX XXXXXXXX card before it was cancelled. 
I am still waiting to see if XXXXXXXX XXXX  will take this off as well as the {$1500.00} from PayPal I'm a senior living on a modest income, and really can't afford to pay these unauthorized charges and hope someone out there will follow up on my case. He gave me a tel # to call him back directly, and I actually have a name. Does anyone really investigate these cybercriminals?.
Consumer complaint received 2024-08-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Doxo, Inc. (MN)

Doxo XXXX paid XXXX XXXX XXXX XXXX in CA {$200.00} using my credit card for a bill on an Account thay was not mine. I live in XXXX  and have not been to XXXX  for any XXXX XXXX. My bank filed a fraud claim, and resolved the issue returning the funds to my account. Now Doxo XXXX XXXX turned me into collections with XXXX XXXX because the can not get their funds back for the payment they made in error.
Consumer complaint received 2022-07-06
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. (PA)

In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT NUMBER XXXX XX/XX/XXXX {$370.00}, XXXX XXXX XXXX XX/XX/XXXX {$790.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX230.00} XX/XX/XXXX, XXXX XXXX XXXX {$790.00} XX/XX/XXXX TRANSUNION : XXXX XXXX XXXX ACCT {$340.00} XX/XX/XXXX, XXXX XXXX XXXX {$790.00} XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX bank XX/XX/XXXX, XXXXXXXX XXXX XX/XX/XXXX, XXXX CARD XX/XX/XXXX, XXXX XX/XX/XXXX, Members First XX/XX/XXXX, Ive reached out countless times to the bureaus, emails, calls, calling and speaking with 10 different people and still no results.
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX XXXX XXXX : is double reporting a debt on my credit file with XXXX XXXX XXXX XXXX. They are reporting the same debt and this is a violation per the FCRA. I am requesting that this be deleted off of my credit report.
Consumer complaint received 2022-10-05
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. (MI)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-10-05
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. (CA)

Please see my attached documents and have the companies remove all unauthorized items immediately. In the attached documents I have provided and stated all information necessary to have these items removed from my consumer report. These companies shall provide me with substantial documentation on how they made their decision if accounts are not removed promptly. They have to prove one, I gave them permission to furnish and two, I was clearly giving an opportunity to opt out of reporting in which the law allows if not public information is being furnished.