davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX and Transunion credit scores dropped by XXXX points. Noticed they said I have a serious delinquency. On further digging I found that this was due to XXXX XXXX XXXX where I had a HELOC that I paid off and closed in XX/XX/XXXX. The HELOC was reported closed in XXXX and XX/XX/XXXX, but is now showing for the rest of XXXX that I was 30/60/90/120/150/180 days late. I have complained to XXXX  via XXXX. I have also filed disputes with XXXX and Transunion. It appears that XXXX, a XXXX startup, has not exercised proper care in compliance and has a software or procedural error. It also appears that XXXX and Transunion do not have the sophistication to see that a closed account can not suddenly be reported delinquent. XXXX  does not seem to have this issue. This is ruinous to me because I was about to buy a car out of my lease. I need this car to have the ability to go to work. My lease expires in 4 weeks and if I do not get a car loan I will have to pay a higher price for a different car, vs for the current leased car where I have a negotiated price from XXXX. Due to supply chain shortages the price of all cars have gone up.
Consumer complaint received 2022-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion has shown a XXXX point reduction in my credit score apparently due to the recent and unexplained removal of all my accounts, current and prior/closed, from my credit report EXCEPT 1 ( recent student loan refinance ). Score dropped from XXXX to XXXX. 
Absurd.
Consumer complaint received 2022-02-06
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: Experian Information Solutions Inc. (TX)

THIS ORGANIZATION DID NOT RECEIVE MY WRITTEN INSTRUCTION NOR PERMISSION TO REPORT ANY INFORMATION REGARDING TRANSACTIONS OR EXPERIENCES AGAINST MY CONSUMER REPORT. REPORTING LATE PAYMENTS, CHARGE OFFS, AND/OR ALLEGED LOAN AMOUNTS CONSTITUTE TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THIS IS FRAUD. THIS ORGANIZATION HAD NO PERMISSIBLE PURPOSE TO PULL, NOR FURNISH, MY CREDIT REPORT BECAUSE, I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT, SO THEREFORE, THIS IS IDENTITY THEFT ACCORDING TO 15 USC 1681b ( a ) ( 2 ). AS A NATURAL PERSON, I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681 ( a ) ( 4 ), AND MY PRIVACY HAS BEEN BREACHED.
Consumer complaint received 2022-02-06
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: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2022-08-22
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. (WA)

In the previous 3 to 12 months, I have disputed XXXX XXXX  through ALL 3 major credit reporting bureaus. Upon each investigation, the status of the above account remains " unchanged. '' XXXX XXXX  put this account into collections and subsequently CLOSED this account. However, according to ALL XXXX CREDIT REPORTING AGENCIES, this account is listed as an OPEN account. The XXXX account went delinquent when I became very ill, lost my job and became homeless from XX/XX/XXXX until XX/XX/XXXX. During these years, I was living in my car and/or family/friends or providing in-home care for the elderly. I had no viable means of income and this account went into default. 

As a result of XXXX XXXX  erroneously stating that this account is open, has caused me to pay extraordinarily high interest rates, and be denied for housing or paying an " extra deposit, '' to rent apartments. 

XXXX XXXX  has already benefited from this capital gains/loss via the INTERNAL REVENUE SERVICE by stating this account was closed and charged-off. Yet, they continue to report this account is " open. '' By their own admission, the above account is CLOSED. Please help me correct this inaccuracy. I have tried several times through the XXXX, Equifax and XXXX to no avail. Thank you. 

XXXX XXXX XXXX XXXX  XXXX XXXX, WA XXXX, mobile XXXX or XXXX ( landline )
Consumer complaint received 2021-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

In the Code of Federal Regulations Under XXXX Billing errorresolution under C2 it statesC2 - The Creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice.I openeda disputeagainstXXXX that was billed on XXXX XXXX in the amount of {$2000.00} on XX/XX/XXXX, I was credied the {$2000.00} on XX/XX/XXXX. I didn't hear from Capital One about this dispute and was rebilled on XXXX XXXX XXXX - XX/XX/XXXX is 106 days which is past the allowed 90 days by law. 
I didn't receivethe paperwork that Capital One states they sent out. This is not the first time I haven't receiveddisputed paperwork.

OnXXXX I receivedpaperwork from Capital One with conflicting info.Case numberon this page was XXXX, they state I opened the case on XX/XX/XXXX. This was a different case and they are mixing cases, see below..XXXX XXXX, XXXX I opened a disputeagainst XXXX for a purchase on XXXX in the amount of {$2000.00} I sent in paperwork and it was rebilled on May 11thMay 11, XXXX I opened up a different dispute against XXXX in the amount of {$2000.00} for the purchase on XX/XX/XXXX this was rebilled on XX/XX/XXXX, XXXX.They have the same case numbers on both disputes which are two different disputes.I have a picture of each dispute side by side and you can see it has the same case number XXXXOn XX/XX/XXXX I received a letter saying they receivedmy response which is a lie. I never sent anything in because I never received any paperwork for the {$2000.00} dispute.Capital One has done 3 things wrong and I would like a response to each 1. They are combiningtwo different cases2. I did not receiveMay XXXX letter of instructions to send in paperwork.3. It took 106 days to end the case which is more than the 90 days allowed. ( Capital One has never given an answer to why they took longer than 90 days ) My lawyers have reached out, Capital One sent me a letter with another Capital One different case number XXXX. I tried to give consentbut the rep didn't know what I was talking about and how to put it into the system. 
Under the Federal Trade Commission under Disputing Credit Card Charges it statesComplaints -You also can sue a creditor who violates the FCBA. If you win, you may be awarded damages, plus twice the amount of any finance charge as long as it's between {$500.00} and {$5000.00}, or higher amounts if a pattern or practice of violations is established. The court also may order the creditor to pay your attorney 's fees and costs. 
Capital One can contact me directly or through the CFPB. If this can not get settled then I will be taking Capital One to court for breaking the law. The law is attached.
Consumer complaint received 2022-03-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

The closing was confusing and explanation of terms were vague under impression had a grant yet this was a second lien on my home here are the reasons and things that have caused issues below : 1. Loan terms for XXXX were not given yet this has been paid off in full but the bank has received funds of {$9000.00} ( please see XXXX Mortage subsidy Agreement last paragraph showing amount added of {$9000.00} ) which was added to mortgage and pay off was for {$4100.00} or there abouts with interest ( please see Discharge of Mortgage included as well ) so there is a credit due of {$4800.00} or thereabouts is owed to myself and loan be reamortized taking out MHP out. 
2. Company refused to accept legally done Appraisal on Home only after complaints relented home value is {$360000.00} loan amount owed is {$250000.00} or less now therefore as requested over and over Escrow account should be removed as requested yet again refusal. 
3. The 2nd lien of MHP has been recorded with Registry of Deeds as well 4. Loan documents said one thing yet after never being late at all payments keep going up this needs to be corrected and stop DOCUMENTS ATTACHED OF MORTGAGE SHOWING IMPORTANT ISSUES TO SHOW WHAT IS NEEDED TO FIX THE ISSUES ATTACHED TO COMPLAINT. 
Citizens bank has been sent proof of all stated below and has not responded to date due to issues in past would like all in writing and need a new Amortization Schedule done with Escrow and XXXX removed since they have been paid in full and Dscharge from them already provided and registered with Registry of Deeds as well.
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-03-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (GA)

As part of the CARES act we deferred payments on our mortgage for six months from XX/XX/XXXX - XX/XX/XXXX and opted to move the payments to the end of the loan. We received paperwork dated XX/XX/XXXX ( due XX/XX/XXXX ) to resume payments which we returned on time. In XX/XX/XXXX, after realizing our autopay for XXXX was not taken out of our account, we called customer service and were told we had to make payments via phone and that we were unable to use autopay while the paperwork was being finalized. We were then given a 90 day timeframe for completion for Truist to have our loan modified. In XX/XX/XXXX, after months of paying by phone and one month where Truist pulled our mortgage payment twice without authorization, we received another set of Loan Modification paperwork in the mail stating Truist made several errors, that they were increasing our monthly payment, and asked that we re-execute the paperwork. We did so, on time, and were told that the 90 day window for Truist to complete our Loan Modification would start again and would presumably be finalized by XX/XX/XXXX. 

In the months since starting this process and paying our mortgage by phone, we have received 4+ sets of paperwork telling us our mortgage was increasing, with different amounts each time, and that we had an increasing escrow shortage. While looking further into this matter, we discovered that all of our mortgage payments from the past 8 months are being held by Truist and have not been applied to our loan which is showing a forbearance status as of almost XX/XX/XXXX. We have been calling repeatedly over the past 8 months only to be on hold for 60+ minutes, we have been hung up on several times, and each time we are assured that the staff member assigned to our mortgage would reach out to us, which she has never done. We then emailed the Truist staff member, and those attempts at communication were also ignored. 

This was a six-month payment deferral started in XXXX that is now a never ending forbearance in XXXX. Truist has been holding on to our payments without applying them to the loan and will not take our mortgage off the forbearance status. It is impacting our credit and ability to relocate. We have missed out on lower interest rates on a new mortgage because they are reporting us as being on forbearance, they will not apply our funds to our mortgage or escrow account, will not return our calls or emails, they have not serviced our loan since XXXX, and will not bring the account current.
Consumer complaint received 2022-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (PA)

As of right now, I have reached out letting AES/Pheaa know when a payment will be made. I have given them a Cease and Desist order which they continue to violate despite all my efforts at communicating back and forth with them and even scheduling payments. Going forward, a {$5.00} fee will be added for notifications that I receive that are out of spite and not in good faith. When AES/PHEAA sends an email every single day about the same past due verbiage even when the borrower already contacted the servicer letting them know when the payment will be made, it is my right to add inconvenience fees to be immediately deducted from the loan balance, or in part, AES will be charged these inconvenience fees. I may have agreed to be contacted about delinquency, but I definitely did not agree to the way they are reaching out and handling it. Any person who works for this company is turned into a zombie and made to abide by a system that is only out to profit as much as possible from the people who really matter in this world ( the people who actually work hard to get what they are paying ). The people who work in this company are clear and present liars. The fees still stand and AES owes them. AES owes me {$10.00} so far for repeated notifications that have wasted my time in the process even after I was diligent enough to send them emails letting them know when a payment would be made. What I'm confused about is why they even bother with allowing people to send them correspondence if they just continue to send the same garbage emails about delinquency after people had already contacted them about when a payment would be made. 

Check out this article where Senators are claiming that the CEO lied under oath. I'm going to send this to everyone I know. 

https : XXXX " XXXX then asked if the Education Department has ever penalized XXXX  for mismanagement, and XXXX said it had not. '' " But XXXX Department reviews suggested the contrary. XXXX and XXXX cited nine reviews since 2016 that revealed problems with the servicer 's implementation of XXXX, resulting in four corrective action plans and two fines, each more than {$100000.00}. '' Now how on Earth could this company expect its borrowers to have any trust whatsoever in this company with facts like the above? XXXX XXXX is eating too many Eclairs and counting his own dimes more so than protecting the interest of the borrowers. I'm going to write to XXXX XXXX and XXXX XXXX and explain to them my situation above. AES is coming closer and closer to forfeiture as a result of bad business and questionable behavior. There's also a matter of ethics that come into play.
Consumer complaint received 2022-01-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TRUIST FINANCIAL CORPORATION (GA)

Loan provider contacted me in XXXX to inquire if I would like to defer payment to which I did. They explained the deferred amount would be made at end of loan by making the term length longer per how many months are deferred. On XX/XX/XXXX they, with permission or my knowledge attempted to withdrawal the balance of the account that caused me fees and other hassles due my account did not have such a large amount in it. 

I contacted them and they denied how the end amount was to be handled but tried to withdraw again thus I had to put stop payments on the creditor. I contacted and was going to make payments by phone since there site only allowed for auto payments with access to my account. Since they could not be trusted I was stuck. They offered to allow me a 3 month deferment again but my payments made for the agreed amount were being stopped even though they should not have been. 

Now the creditor has filed a late payment on my credit causing great harm to it and refuse to cooperate in allowing me to make payments without giving them access to my account. 

I made payment for that was stated late and made stop payment again with a another account. I am at a loss of how to remedy this situation with Lightstream.
Consumer complaint received 2022-03-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (GA)

My identity was stolen and I need help getting this removed from my name and credit report. I've attempted to contact Caine & Weiner and haven't heard back from them yet. I need this resolve ASAP. This is starting to affect my life very negatively.
Consumer complaint received 2022-03-24
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: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau XXXX, XXXX, and Experian. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.
Consumer complaint received 2021-09-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (DE)

ccs collections XXXX XXXX XXXX XXXX ma. XXXX ( XXXX ) XXXX has been sending me collection notices in the amount of {$620.00}. The collection has been reported as past due balance. I do not know this company, I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-03-24
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. (CA)

I sent notarized letters via certified mail to the companies in question. I have proof of acceptance from all three companies. In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX  XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX have 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 : Also states, a consumer reporting agency can not furnish an account without my written instructions. 

My letters have essentially been ignored by Experian, XXXX XXXX, and XXXX.
Consumer complaint received 2022-03-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP (FL)

XX/XX/2022 dated on my dispute I will place into file section I request for a signed or some sort of documented proof from a court ruling etc for the alleged debt owed to collections agency. I have not received this verification proof but continue to receive letters demanding I pay on accounts that does not belong to me. I feel as though I am being ran over and bombarded at this point, being taken advantage of. After 30 days of failure to do some sort of an investigation according to FCRA is grounds for an immediate deletion within itself coupled with the numerous other violations placed in my original dispute that will be listed below. Please help. My next step is to file for some sort of litigation due to the stress and time I have placed into this circumstance without receiving some sort of mitigation.