davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-20
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. (PA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Consumer complaint received 2021-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

From XXXX I paid off the balance of the credit card, I then called them and told them i no longer want the card and I need it closed. After obtaining my credit report I see that they have put it in collections with the amount I owe over {$1000.00}. This isnt right I called and told them to close it. There should be no account in collections for this card
Consumer complaint received 2021-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (MD)

According to XXXX XXXX, there is an open collection account from First Credit Services on my credit report. I XXXX the number and called First Credit Services to find out more information about this {$92.00} debt. I spoke to XXXX XXXX on XX/XX/21 at XXXX and provided her with my date of birth, social security number, and address but I was told there is nothing in the system for me. I listened on the phone while XXXX XXXX called her boss over to look at the computer and figure out where my account was. They asked who the original contractor was and I provided them with the information shown on XXXX XXXX. They said " We don't see anything for you. We can't find it. We no longer have this account. We have exhausted all efforts to collect on this and we no longer have the account. '' If this is the case, why is this collection agency on my credit report in the first place? 

Please remove it immediately from all reports.
Consumer complaint received 2023-08-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (NM)

I called Amsher collections to inquire about debt. They could not locate any account under my name. 

I called XXXX XXXX and gave the person in billing my social security number which brought up an account which was not in my name. When I asked whos name and location of the person the account was under she refused.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2020-12-04
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2020 I received a letter from capital one for the amendment concerning my late payments that it has been corrected. On XX/XX/2020, I checked my credit report and found out that capital one placed a late payment for the month of XXXX which I have made the payment on XX/XX/2020 and this left a negative mark on my report.
Consumer complaint received 2023-08-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (FL)

I sent in a check to pay off my student loans with Nelnet on XX/XX/2023. The check was cleared on XX/XX/2023. Nelnet transferred my loans to XXXX whom is now telling me that I owe the loans again and that interest will begin as of XX/XX/2023. I have already paid this loan and now feeling like my money was stolen from me. I have spent countless hours on hold trying to get in contact with someone only to get the call disconnected. I have proof from the bank that the payment was cleared. I tried multiple times to call XXXX whom I never am able to get through to. I can't keep spending hours on the phone listening to hold music for then the call to get disconnected. i have a family and planning on buying a house and this is causing extreme stress to us.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Credit Expert LLC (OH)

I signed on with Credit Expert LLC in XXXX of 2020. I have been charged {$39.00} monthly since then, for a total of {$190.00}. 

Credit Expert LLC has a full copy of my credit report, but also requested access to my XXXX XXXX profile and XXXX  login, which I did not feel comfortable with. 

They stated that they have filed two " rounds '' of disputes. I have not had any deletions, and therefore, to my understanding, this company is in violation of the Credit Repair Organizations Act which prohibits Credit Repair companies from charging upfront fees prior to delivering deletions. 

Additionally, in a recent CFPB action against a similar Credit Repair company " XXXX XXXX  '', the Telemarketing Sales Rule restricting upfront fees was also invoked. 

I have requested a full refund from the company which they have refused. They mention the " work '' they've done and the rounds of disputes, but there are not any results. 

They created a client portal and requested that I fill out a creditor sheet, but I did not have time to do this nor should this have affected their ability to effectively dispute on my behalf. 

If they aren't able to accomplish deletions, I accept that, but I should not be charged or denied a refund if they have not been able to accomplish any meaningful benefit for me whatsoever. 

They did agree to refund {$39.00} from the previous month, which I had requested that they not pull 3 days before the due date, and they pulled anyway. But, they have declined to refund the payments since XXXX. 

This still leaves {$150.00} that I am owed. 

If they had accomplished even one deletion, I would not be requesting this. But they have charged me upfront before any results were delivered. I believe that they were just trying to string me along with monthly payments. 

I am requesting that this company refund the payments that I've made since they were charged upfront before any results were delivered. I felt that 5 months was long enough to at least see some kind of accomplishment, or even one deletion, if they were able to do what they claimed.
Consumer complaint received 2021-12-03
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

This is XXXX XXXX who is submitting this CFPB complaint myself. CAPITAL ONE BANK USA NA is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to CAPITAL ONE BANK USA NA but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( CAPITAL ONE BANK USA N XXXX )
Consumer complaint received 2021-04-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

The company is a debt reduction service that uses telemarketing calls to get clients signed up for services. my understanding is that they do not aquire debt until you commit to accepting their services. on average they negotiate a reduction to about 10 percent of the orginal debt then negotiate a reduced montly payment. i have no relationship with the company. i have not signed up for their services. i have not been called by the original credit card company. i thought it had been resolved. i am also a significantly victimized citizen dealing with corrupt ogranizations, corrupt government, and government orchestrated racketeering, organized crime. i have been denied my rights, denied access to justice, deprived of property and assets, and denied access to justice. I have been forced down among the down trodden and subjected to cyberstalking. I am also an identity theft victim with an incident on texas and my identity used in what appeared to be money laundering and possibly drug trafficing. authorities know i am a victim and not involved. i am not able to get assistance from government. i am ignored.
Consumer complaint received 2021-04-22
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: TD BANK US HOLDING COMPANY (IL)

I sent in my police report and my notarized affdavit to XXXX. I called last month and talked to XXXX from the fraud department who asked me to send in my fraud package. after sending it to them they did not comply with anything and said they don't have to block the fraudulent account even after going to the XXXX XXXX  XXXX Police Dept and filing a police report in person. they sent me some generated letter saying if i want to block the fraudulent account to send it my Police report and affidavit that i have provided them. Today at exactly XXXX XXXX  i spoke to XXXX who said he was fraud department integrity team and completely said he won't do anything and he didn't care what XXXX told me and said he doesn't have to follow the FCRA rules. I told him i got some letter saying if i wanted to block the fraudulent information under the Fair Credit Reporting Act Section 605B I told asked him to transfer me to a supervisor and he hung up on me. I have done everything in my power to fix this fraudulent information if this is not fixed my only option is to file a lawsuit
Consumer complaint received 2021-04-22
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. (CO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Acct # XXXX The CARES Act, which President Trump signed into law on XX/XX/2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis. I was current on my payments and called XXXX XXXX about being affected by the pandemic. 

I would like to dispute a late payment that has been reported to all XXXX credit bureaus for XX/XX/2020. XXXX XXXX reported my account late for the month of XX/XX/2020. 
I have learned that because Covid-19 affected my finances making it difficult to make my monthly obligations, and that Congress made Covid-19 a national emergency, the Cares Act called for creditors to adjust how they report accounts to the credit bureaus that have been modified. The law requires creditors to report any account that has a payment accommodation applied to it as current to all 3 credit bureaus - as long as the account was current when the accommodation was made, which my account had been current until Covid-19 hit. The CARES ACT states the creditor needs to report to the credit bureaus that you are current on your loan. XXXX XXXX did not report my account current XX/XX/2020 and because of this, has affected my credit reports and credit scores. 

I had never been late with a payment until Covid-19 hit in XX/XX/2020 and the lock down that was ordered by the Governor of Colorado XX/XX/2020 until XX/XX/2020 and I have been current since with my payments. 

I requested that XXXX XXXX apply a goodwill adjustment to remove the late payment from my file. I have continued to make on time payments to XXXX XXXX since XX/XX/2020.
Consumer complaint received 2021-04-22
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. (CO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Acct # XXXX The CARES Act, which President Trump signed into law on XX/XX/2020, XXXX amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis. I was current on my payments and called XXXX XXXX about being affected by the pandemic. 

I would like to dispute a late payment that has been reported to all XXXX credit bureaus for XX/XX/2020. XXXX XXXX reported my account late for the month of XX/XX/2020. 
I have learned that because Covid-19 affected my finances making it difficult to make my monthly obligations, and that Congress made Covid-19 a national emergency, the Cares Act called for creditors to adjust how they report accounts to the credit bureaus that have been modified. The law requires creditors to report any account that has a payment accommodation applied to it as current to all 3 credit bureaus - as long as the account was current when the accommodation was made, which my account had been current until Covid-19 hit. The CARES ACT states the creditor needs to report to the credit bureaus that you are current on your loan. XXXX XXXX did not report my account current XX/XX/2020 and because of this, has affected my credit reports and credit scores. 

I had never been late with a payment until XXXX hit in XX/XX/2020 and the lock down that was ordered by the Governor of Colorado XX/XX/2020 until XX/XX/2020 and I have been current since with my payments. 

I requested that XXXX XXXX apply a goodwill adjustment to remove the late payment from my file. I have continued to make on time payments to XXXX XXXX since XX/XX/2020.
Consumer complaint received 2021-08-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EQUIFAX, INC. (DC)

In XXXX/XX/XX/2021, I re-financed my my home mortgage. When the refinanced closed, XXXX XXXX  listed the mortgage as " closed. '' It was not stipulated that the loan was paid and closed in good standing. As a result of the closed phrasing, my credit score went down several points. I called XXXX XXXX  to tell them they neglected to accurately categorize the note to the credit reporting agencies. XXXX XXXX  said they'd go back and note the account was " paid in full and closed by customer. '' However, when XXXX XXXX  reported to the credit agencies, they again noted the account was " closed. '' As a result, my credit report took another hit and went decreased further ( went down 10 points -- XX/XX/XXXX ). I called XXXX XXXX  back again and again complained. On the 3rd occasion, they did contact the reporting bureaus and accurately disclosed the account was paid and closed. 
However, as a result of XXXX XXXX  's categorization of my refinance, the my credit score went down over 20 points with the credit reporting bureaus through no fault of my own.
Consumer complaint received 2020-11-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

My mortgage was sold to SPS from XXXX ( who I thought previously were the worst ) Since then they have redone my escrow twice in three months- last time in XXXX each time raising my escrow ( my payment has gone up XXXX dollars a month. 

They will be sending me a escrow reimbursement for over {$3000.00} dollars ( I like the fact they get to hold on to my money ) When I attempt to pay down my balance early ( paying extra every month ) they hold on to it to deduct it from my payment the following month. 

They also charge me XXXX to process my payment- everything they can do to make your life a little harder they do and take pride in doing it.
Consumer complaint received 2022-05-04
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. (FL)

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX, and TransUnion was XX/XX/XXXX but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$590.00} ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2022-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

Due to the new rules for Public Student Loan Forgiveness ( now TEPSLF ), my student loans are eligible for full forgiveness. In the beginning of XXXX, I was notified by the Dept of Education that 30 payments would be added to my payment count under the new TEPSLF rules. I continue to be employed at the same employer since XXXX. The length of employment and number of qualifying payments both made me eligible for forgiveness immediately. On XX/XX/XXXX, I submitted my employer certification form to XXXX and was notified that it was received and accepted. Since the initial 30 payments, there has been no communication on my account, nor any updates made to the number of qualifying payments that have been made. I called XXXX on numerous occasions to check the status of my account, and after waiting an hour on hold to speak to someone, was told to continue to wait, and that my payments would be approved in batches. I messaged XXXX through XXXX XXXX on XX/XX/XXXX and received a response on XX/XX/XXXX telling me that they would send my account over to their team to review and I would be receiving a phone call within the next few days, which I never received. My loans were then sold to Mohela, and I am spending an hour plus to speak to a customer service representative only to be told that either they have no record of my loan, or that I need to contact someone else to inquire about my loans. Meanwhile, I am a member of many online communities where others have applied for TEPSLF well after my application and received forgiveness within days or weeks of their applications. I understand there is a backlog of accounts requiring review, but it's unfair for applications that were submitted long after mine to be getting addresses while mine has been bypassed.