davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (ME)

When asked about loan forgiveness for nurses was told that only teachers qualify for forgiveness. When asked about XXXX was disconnected and when I called back I couldnt get through. Request a refund of payments I made since XX/XX/2020. Its been 2 months and it reflects on my loan amount but I dont have the refund yet. Its very difficult to know whats available when they arent forthcoming with information or answers. So frustrating
Consumer complaint received 2021-10-14
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: EQUIFAX, INC. (IN)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (IL)

As a victim of identity theft for over 7 different fraud accounts, I was able to dispute, solve and remove all these accounts from my 3 major credit reports with the credit bureaus and by directly contacting the creditors, except for XXXX XXXX credit company. I had a XXXX XXXX credit card which I permanently closed back in XXXX. However, XXXX informed me that a fraud account was opened under my name back in XXXX but never been used, and they captured this fraud account and closed it around a week ago. I have contacted XXXX XXXX few times to request that all their information to be removed from my credit reports, including the fraud account that they captured and has no outstanding balance or dues, as it indicate negative effect on my credit score. However, XXXX XXXX refused to remove these data or to request the 3 major credit bureaus to remove these accounts from their data. XXXX XXXX also refused to provide me with the account or card number. The agents and managers that I spoke to in XXXX XXXX claimed that this is their policy and regulations that they have to follow! XXXX XXXX has been always the worst creditor ever and the least who cares about their customers, and this is what made me close my account back in XXXX. I need all data and info related to XXXX XXXX to be permanently removed from any credit report belongs to me.
Consumer complaint received 2020-01-15
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: SYNCHRONY FINANCIAL (MA)

There is an inquiry that has been placed on my credit report on XX/XX/2020 by Synchrony bank from SYNCB. I disputed this inquiry with the credit bureau XXXX asking them to verify the inquiry because I did not authorize the company or anyone to submit any application and if synchrony bank claims that I agreed for them to pull my credit then I want to see the original documentation with my signature for this inquiry, because the FCRA states the company needs to have permissible purpose. All that the credit bureau sent me was a copy of the credit report that says that synchrony bank verified or validated this inquiry when in fact I never authorize the bank to submit any applications for credit. What I received from the credit bureau is not enough to validate this inquiry. This application was submitted fraudulently.
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I sent an reinvestigation request regarding my credit report over six weeks ago and I have not received any reply. I have will upload the actual reports of all the discrepancies showing EMPLOYER IS WRONGLY SHOWING- PLEASE DELETE XXXX  XXXX   XXXX - - never received mail - provide proof of documents never being late -- wrong opened date and wrong limit XXXX  XXXX never received mail - provide proof of documents never being late- - wrong opened date and wrong limit XXXXXXXX XXXX XXXX - send proof- never late account tapered with due to lost stolen - provide me documents to show the proof- XXXX XXXX   XXXX proof- never late account tapered with due to lost stolen - provide me documents to show the proof- XXXX XXXX XXXX XXXX never disputed - REMOVE THE FALSE Comments
Consumer complaint received 2022-08-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

I made an online pruchase for XXXX XXXX XXXX XXXX for XXXX at website XXXX XXXX XXXXXXXX I have the email thanking me for purchase that I did via Paypal. Somehow when I did this transaction it did as family and friends transfer and not business transaction. I have no idea how that happened, I've been using paypal for online transactions and this is the first time this happened. Anyhow the money transfer for XXXX USD to XXXX XXXX transaction ID XXXX recipient XXXX XXXX email XXXX for XXXX and fee of XXXX from paypal I believe it was a foreign exchange not sure. I tried contacting XXXX to get information on delivery of product and never heard back. This was on XX/XX/XXXX. I entered a dispute with pay PayPal " We've closed this case as our review showed that this transaction was processed correctly and an amount of {$89.00} USD was successfully transfered to the XXXX on XX/XX/2022 at XXXX XXXX XXXX ''
Consumer complaint received 2020-10-15
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: Experian Information Solutions Inc. (TX)

XX/XX/2020 I began shopping around for a vehicle and I visited 3 different dealerships. Ivisited XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX. XXXX  XXXX, I was approved for anew car. Upon looking at my credit report, all three dealerships ran my credit throughseveral credit approval companies. I have a total of 46 credit inquires across the three creditbureaus within a 7-day time frame. XXXX  XXXX XXXX XXXX XXXX XXXX placed a hardinquire on my credit 22 times. I sent letters to each of the individual companies andreceived a letter stating I agreed to them running my credit by providing the merchant mydriver 's license. I did not agree or approve these companies to run my credit 46 timesthrough several different companies, including those I  have never heard of. XXXX XXXXcould  have used the first inquire as it remains available in the system for 30 days. I waspreapproved through XXXX XXXX and presented my preapproval to each of thedealerships. Unfortunately, all three of the dealerships ran my credit through severalagencies without my consent. I did not authorize these companies to run my credit or viewmy credit report. I have contacted these companies several times to request the removal ofthe inquire and even hired a law firm to help, but they will not budge. I also contacted thethree major credit bureaus and I did not receive a response. 46 inquires across 3 creditbureaus within 7 days are truly excessive and violates several consumer laws. I would like all46 inquires removed  from my credit. I did not provide written or verbal consent for this tohappen and I am saddened and truly devastation I am not being heard. These companieshave caused unnecessary harm. Thank you.
Consumer complaint received 2022-07-18
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. (TX)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX # XXXX. 
Account XXXX XXXX # XXXX. 
Account AD XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 
Account XXXX XXXX XXXX # XXXX. 
Account XXXX XXXX XXXX # XXXX. 
Account XXXX XXXX XXXX XXXX  XXXX. 
Account XXXX XXXX XXXX # 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
Consumer complaint received 2020-10-15
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: EQUIFAX, INC. (TX)

XX/XX/2020 I began shopping around for a vehicle and I visited 3 different dealerships. Ivisited XXXX XXXX XXXX  XXXX XXXX, XXXX, and XXXX. At XXXX, I was approved for anew car. Upon looking at my credit report, all three dealerships ran my credit throughseveral credit approval companies. I have a total of 46 credit inquires across the three creditbureaus within a 7-day time frame. XXXX  XXXX XXXX XXXX XXXX XXXX placed a hardinquire on my credit 22 times. I sent letters to each of the individual companies andreceived a letter stating I agreed to them running my credit by providing the merchant mydriver 's license. I did not agree or approve these companies to run my credit 46 timesthrough several different companies, including those I  have never heard of. XXXX XXXXcould have used the first inquire as it remains available in the system for 30 days. I waspreapproved through XXXX XXXX and presented my preapproval to each of thedealerships. Unfortunately, all three of the dealerships ran my credit through severalagencies without my consent. I did not authorize these companies to run my credit or viewmy credit report. I have contacted these companies several times to request the removal ofthe inquire and even hired a law firm to help, but they will not budge. I also contacted thethree major credit bureaus and I did not receive a response. 46 inquires across 3 creditbureaus within 7 days are truly excessive and violates several consumer laws. I would like all46 inquires removed  from my credit. I did not provide written or verbal consent for this tohappen and I am saddened and truly devastation I am not being heard. These companieshave caused unnecessary harm. Thank you.
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX services is report on my that I have had 3 late payments. My account was set on auto payment but for some reason it  was cancelled in XXXX. XXXX is unable to tell me why and I was informed that they did not receive payment for 2 months. NO letter in the mail or email. Also this is a Business vehicle title in the business and I want it removed off of my personal. XXXX will not help and it is messing our process of purchasing our home.
Consumer complaint received 2020-10-07
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (NJ)

I recently found a US Bank MasterCard gift card I had purchased about two years ago. I tried to use it on XX/XX/20, and the charge was denied. I noticed on the front of the card it had expired in XX/XX/20. I went to the website listed and was told to call an # XXXX number. I called the number, entered the card number and three digit pin and was told I would be transferred to a representative. The call was transferred and I heard another message saying, " Due to Covid-19 wait times are longer. '' The call then rang as if I was being transferred, but after one ring the call  disconnected. This has happened repeatedly since XX/XX/20.
Consumer complaint received 2020-10-15
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Onity Group Inc. (TX)

By debt collection letter dated XX/XX/XXXX and annexed hereto as Exhibit " A '', XXXX XXXX XXXX ( " Debt Collector XXXX  '' ) by and through the latter 's employee / partner ( XXXX XXXX XXXX ) ( "  Debt Collector XXXX '' ), on behalf of PHH Mortgage Corporation ( " Debt Collector PHH '' ), refused to provide me with the monthly mortgage statement for XX/XX/XXXX by declaring, in relevant part, that : ( 1 ) I was not entitled said statement because I did not sign the note associated with said statement ; and ( 2 ) the statement  for XX/XX/XXXX was provided and is sufficient enough. 

Hence, the foregoing recital of the statements made by Debt Collector PHH by and through Debt Collector XXXX  and Debt Collector XXXX within the XX/XX/XXXX communication displays their blatant and willful violation of federal law under 12 CFR 1026.41 et seq. wherein the latter requires that I receive a monthly mortgage statement and the foregoing offenders refuse to provide me with the statement for XX/XX/XXXX when I signed the security instrument associated with the transaction in dispute as a " co-borrower '' and wife of the late XXXX XXXX who was the sole obligor under a certain note dated XX/XX/XXXX. 

Additionally, as displayed within the foregoing communication from Debt Collector PHH by and through Debt Collector XXXX  and Debt Collector XXXX, the latter falsely stated that I defaulted upon the subject transaction as of XXXX XXXX when, at all relevant times : ( 1 )  said statement contradicts the XX/XX/XXXX date of default declared under penalty of perjury by Debt Collector PHH 's predecessor Litton Loan Servicing LP ( " Litton '' ) to the Superior Court of New Jersey by way of foreclosure debt collection complaint filed on XX/XX/XXXX ( the same day my husband died ) under Docket No. : XXXX ( See Exhibit " B '' ) ; and ( ii ) is both false and deceptive because you are continuing to omit and conceal ten ( 10 ) checks totaling {$15000.00} that were paid to and cashed by Litton for XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ( See Exhibit " C '' ), without Debt Collector PHHs predecessor Litton crediting said payments to the subject account. ; and ( 2 ) Debt Collector PHH, Debt Collector XXXX  and Debt Collector XXXX continue to omit and conceal three ( 3 ) checks totaling {$5100.00} that were paid for XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ( See Exhibit " D '' ) and returned by Debt Collector PHHs predecessor Litton without any legitimate reasons or explanation. 

Additionally, Debt Collector PHH by and through Debt Collector XXXX   and Debt Collector XXXX continue to ignore my response to produce payments made for XX/XX/XXXX through XX/XX/XXXX prior to the falsely declared XX/XX/XXXX date of default set forth within their XX/XX/XXXX communication enclosed hereto as Exhibit " A ''.
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 am 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 from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-10-15
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Onity Group Inc. (TX)

By debt collection letter dated XX/XX/XXXX and annexed hereto as Exhibit " A '', XXXX XXXX XXXX ( " Debt Collector DM '' ) by and through the latter 's employee / partner ( XXXX XXXX XXXX ) ( "  Debt Collector XXXX '' ), on behalf of PHH Mortgage Corporation ( " Debt Collector PHH '' ), refused to provide me with the monthly mortgage statement for XX/XX/XXXX by declaring, in relevant part, that : ( 1 ) I was not entitled said statement because I did not sign the note associated with said statement ; and ( 2 ) the statement for XX/XX/XXXX was provided and is sufficient enough. 

Hence, the foregoing recital of the statements made by Debt Collector PHH by and through Debt Collector DM  and Debt Collector XXXX  within the XX/XX/XXXX communication displays their blatant and willful violation of federal law under 12 CFR 1026.41 et seq. wherein the latter requires that I receive a monthly mortgage statement and the foregoing offenders refuse to provide me with the  statement for XX/XX/XXXX when I signed the security instrument associated with the transaction in dispute as a " co-borrower '' and wife of the late XXXX XXXX who was the sole obligor under a certain note dated XX/XX/XXXX. 

Additionally, as displayed within the foregoing communication from Debt Collector PHH by and through Debt Collector DM and Debt Collector XXXX, the latter falsely stated that I defaulted upon the subject transaction as of XXXX XXXX when, at all relevant times : ( 1 )  said statement contradicts the XX/XX/XXXX date of default declared under penalty of perjury by Debt Collector PHH 's predecessor XXXX XXXX XXXX XXXX ( " XXXX  '' ) to the Superior Court of New Jersey by way of foreclosure debt collection complaint filed on  XX/XX/XXXX ( the same day my husband died ) under Docket No. : XXXX ( See Exhibit " B '' ) ; and ( ii ) is both false and deceptive because you are continuing to omit and conceal ten ( 10 ) checks totaling {$15000.00}  that were paid to and cashed by Litton for XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ( See Exhibit " C '' ), without Debt Collector PHHs predecessor Litton crediting said payments to the subject account. ; and ( 2 ) Debt Collector PHH, Debt Collector DM and Debt Collector XXXX  continue to omit and conceal three ( 3 ) checks totaling {$5100.00} that were paid for XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ( See Exhibit " D '' ) and returned by Debt Collector PHHs predecessor Litton without any legitimate reasons or explanation.

Additionally, Debt Collector PHH by and through Debt Collector DM and Debt Collector XXXX  continue to ignore my response to  produce payments made for XX/XX/XXXX through XX/XX/XXXX prior to the falsely declared XX/XX/XXXX date of default set forth within their XX/XX/XXXX communication enclosed hereto as Exhibit " A ''.
Consumer complaint received 2022-09-20
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. (GA)

I was just looking over my credit report and found some inaccuracies that I am demanding you correct. 
According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable. If you are unable to fix these inaccuracies for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report. 
Here are the inaccuracies I have identified : Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Reason : The account is too old to be listed Instruction : The date of first delinquency is over 7 years ago ( furnisher is reporting incorrect DOFD ) and the date opened being reported ( XX/XX/XXXX ) is wrong. Please remove this account. 

Account Name : XXXX Account Number : XXXX Reason : The account is too old to be listed Instruction : The date of first delinquency is over 7 years ago ( furnisher is reporting incorrect DOFD ) and the date opened being reported ( XX/XX/XXXX ) is wrong. Please remove this account. 

Account Name : XXXX XXXX Account Number : XXXX Reason : The account is too old to be listed Instruction : The date of first delinquency is over 7 years ago ( furnisher is reporting incorrect Account Name : XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason XXXX I don't recognize this account Account Name : XXXX  Account Number : XXXX Reason : I don't recognize this account DOFD ) and the date opened being reported ( XX/XX/XXXX ) is wrong. 
Please remove this account. 

Please see the attachments for more added detailed information pertaining to this investigation. Thank you!
Consumer complaint received 2020-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2020, I gave a formal complaint of inaccurate information on my credit report including inquiries and accounts. 30 days later to the date, I have not received any response. Under federal law, you have 30 days to complete my investigation. 


Proof of these alleged items, specifically the contract, note, or other instrument bearing my signature has not been provided to me. Failing that, the items must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. I demand that the unauthorized inquiries and accounts be removed immediately.