davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

XXXX placed a collection on my report by XXXX XXXX equifax and XXXX  both deleted this on XX/XX/2017.  XXXX came back and had XXXX XXXX to put the same thing and same amount on my credit report and as this time I have again asked to see and or know the method of verification and the description of the procedures used to determine the accuracy and completeness off the information was requested and they NEVER provided me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. They also did not inform me in writing that the deleted item was going back on my credit with in five days of them putting it on as well.
Consumer complaint received 2018-04-22
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: ALLY FINANCIAL INC. (GA)

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 XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These are the dates this Finance Company check my credit without my permission. Ive reached out to this company multiple times with no luck. This is a auto finance company, I have not given anyone my permission to finance anything with my credit nor have I applied for any finance loans. Ive been back and forward with the credit bureaus working on my credit fraud case. So Im contacting this company directly to have these inquiries removed and or deleted off of my report.
Consumer complaint received 2018-03-01
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. (IL)

On XX/XX/XXXX transunion received a dispute from XXXX XXXX XXXX XXXX. The investigation stated you verified these accounts as being reported accurate. Verifiable has a legal meaning and refers to a copy of the actual document I signed to open the account. You have not provided me a copy of my original signed documentation ( a consumer contract with my signature ) as required under section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ). On XX/XX/XXXX you received a certified letter for Method of verification that requires 15 days. You failed to provide method of verification as required under 611 ( a ) ( 7 ). Under section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. XXXX is not 100 % verification. You pasted this deadline of 15 days and must delete all accounts disputed.
Consumer complaint received 2024-10-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (FL)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2018-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

I tried to use my XXXX 's XXXX Master Card issued by Synchrony Bank at the XXXX XXXX XXXX gas station in XXXX, NY on XX/XX/XXXX, and after waiting for 15 minutes in line and getting to the pump my card kept coming up as inactive. I called the customer service line to find out that the company had close the card on XX/XX/XXXX. I asked why it was closed and was told by the Supervisor that my card was inactive for 2 years and that it was in the terms when I signed up for the card and there was nothing they could to do to reopen my account because it was closed. I insisted that the it has not been 2 years and it was a mistake on their behalf. She couldn't look up the exact date when asked when the card was last used, just insisted it was in XX/XX/XXXX and it was 2 years. The last payment I had made on the card, according to my bank statement, was on XX/XX/XXXX, and I am never late on my payments. They refused to do anything about it. The only thing that could be done is file a dispute with the credit agency, and now I have to wait at least 30 days to hear anything. It is wrong what they do. They don't even send a notice that the card is going to be closed or is in jeopardy of being closed. Now my credit will be effected by this closure, and I have an Exceptional credit score in the XXXX. This company is not right in what they do to their clients.
Consumer complaint received 2018-04-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (MO)

A fraudulent medical debt has been placed on my credit report by a company named Capio partners the original debtor is XXXX XXXX XXXX XXXX. THIS FRAUD DEBT was placed on XX/XX/XXXX with out me being notified of this debt also my credit score has took a few tremendous hit I want 100 points added back to my credit immediately and to be compensated for fraud.
Consumer complaint received 2018-04-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (DC)

XXXX XXXX/PHEAA has not properly counted my qualifying payments toward Public Service Loan Forgiveness.  Around XX/XX/XXXX, my direct student loans were transferred from XXXX to PHEAA. Thus far, I have submitted two Employment Certification Forms to PHEAA, and PHEAA confirmed that both periods of employment were with qualifying employers. The first period -- XX/XX/XXXX, through XX/XX/XXXX -- was with the United States District Court for the XXXX District of Pennsylvania. The letter from PHEAA confirming this first period was dated XX/XX/XXXX, and assured me that PHEAA would  calculate and provide me with notification of the total number of qualifying payments I made during this period, along with other information. The second period -- XX/XX/XXXX, through XX/XX/XXXX -- was with the United States Court of Appeals for the Third Circuit. The letter confirming this second period of employment was dated XX/XX/XXXX, and assured me that PHEAA would notify me of the number of qualifying payments " [ i ] n the next few weeks. '' I have not yet received any written communication from PHEAA regarding my number of qualifying payments. 

On XX/XX/XXXX, I contacted PHEAA regarding PHEAA 's error in calculating my monthly payment amount, an issue I am currently trying to resolve with PHEAA. In that conversation, I asked about the number of qualifying payments related to my periods of employment with the courts listed above. I spoke with XXXX ( employee ID no. XXXX ) and with XXXX ( employee ID no. XXXX ). XXXX informed me that PHEAA determined I have only five qualifying payments during the two employment periods described above. I told him I had not received anything in writing with this information, and he said he would request that PHEAA send me a letter ; he said that he would request that the letter be expedited but told me it could take 30-45 days to receive the letter. I still have received no written communication from PHEAA regarding my qualifying payments, but NSLDS reflects that PHEAA has determined I have only five qualifying payments for PSLF. 

I have reviewed my own records during the two employment periods described above. During those periods, I made a total of 32 payments toward the loans at issue. All of those payments were on a standard repayment plan ( 19 payments ), a qualifying repayment plan ( 5 payments ), or were made under a different payment plan and were of an amount larger than the payment would have been on a qualifying repayment plan ( 8 payments ).
Consumer complaint received 2018-03-22
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: Union Adjustment Company, Inc. (CA)

I have disputed with all three credit bearues multiple times and some of the disputed come out verified and not removed I sent them mail of a identiy theft report via fax and mail also. They state they never receive it but I have proof of sending them it and they even keep adding collection but times care of some. On XXXX  I haven't even received a response and they hang up on me on the phone. I just want my credit I never even had a credit card and I don't have an opportunity to build it. They are not helping me at all
Consumer complaint received 2018-03-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Moore Law Group (CA)

I'm a XXXX homebound senior and have been reliant on caregivers for the past 30 years. The Moore Law Group, XXXX XXXX, California is trying to get a judgement against me for purchases on a XXXX credit card that I did not authorize. I have asked the Moore Law Group for proof as to who applied for this card in my name and other information. I requested these specific details so I can adequately defend myself in court. The Moore Law Group is refusing to provide the information. My only source of income is Social Security XXXX, therefore I can not claim responsibility for bills that I did not authorise. Please advise.
Consumer complaint received 2024-10-01
Product: Credit 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: Spring Oaks Capital, LLC (FL)

I received a letter in the mail from Spring Oaks Capital stating I have a balance of {$3900.00} and I did not know this credit card was opened up in my name years ago without my permission or acknowledgment
Consumer complaint received 2018-04-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MI)

Been charged XXXX per month for my loan spoke to XXXX about updating my information and to apply for idr. Was on the phone with XXXX XXXX which i have documentation of and was told my payments would be revised to about 200.00 dollars and my name change was corrected just had to fax paperwork which i did. Next month exepect to make my first XXXX dollar paument and recoeved a bill for another XXXX. Called again and was told they had no record of any call and did not recieve any information to change my loan repayment or my name and was hung up on!
Consumer complaint received 2018-03-01
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. (IL)

On XX/XX/2018 transunion received a dispute from XXXX XXXX XXXX XXXX. The investigation stated you verified these accounts as being reported accurate. Verifiable has a legal meaning and refers to a copy of the actual document I signed to open the account. You have not provided me a copy of my original signed documentation ( a consumer contract with my signature ) as required under section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ). On XX/XX/2018 you received a certified letter for Method of verification that requires 15 days. You failed to provide method of verification as required under 611 ( a ) ( 7 ). Under section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. XXXX is not 100 % verification. You pasted this deadline of 15 days and must delete all accounts disputed.
Consumer complaint received 2018-06-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I am a consumer with Bofa and my security is at risk on public WiFi I want to use VPN ( virtual private network ) on my online banking account I never had this problem for 2 years for using online banking after one update I just stopped I put a complaint with the XXXX ( XXXX XXXX XXXX ) and they were being very rude with me on the phone when I use VPN for security of my account with BofA I told them that VPN is A virtual private network ( VPN ) is a technology that creates a safe and encrypted connection over a less secure network, such as the internet. VPN technology was developed as a way to allow remote users and branch offices to securely access corporate applications and other resources. I told BofA to fix the issue and its still going on with other consumers that go to coffee shops with laptops on public wifi and the bank refuse to fix the bug for our own security while on public wifi.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Personal Information : Previous Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-04-22
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Security National Financial Corp (TX)

Hi, I like to offer your program to borrowers that need the help but my company says I will not get paid on the loan and or they approve upfront but near closing they deny. Please see below that I sent to HUD asking is the attached emails are legal or considered steering? 
I want to offer DPA programs and Texas Veteran Land Board programs but the company is making it very hard to do that and yet XXXX advertises they offer the program with full commitment but internally XXXX XXXX XXXX, XXXX, TX will remove the loan officer 's compensation if the TSAHC loans go to closing/funding since XXXX is not making enough profit. Is this legal? Thank you, XXXX XXXX, email : XXXX -- -- -- -- -- Forwarded message -- -- -- -- -- From : XXXX XXXX <XXXX> Date : Sun, XX/XX/2018 at XXXX XXXX  Subject : Is this legal? Is this STEERING? 
To : XXXX, XXXX, XXXX XXXX <XXXX> I have had clients apply for a mortgage at XXXX XXXX company with the request to use XXXX DPA - Texas State Program. 

We get all the way to the closing date or close to the closing date and XXXX denies the XXXX  and forces the client to cancel at the last and loose their Earnest Money or forces them to take a 'gift ' or XXXX funds hardship removal because XXXX does not want to lose profit margin money on XXXX   applications. 

Can HUD & Texas Savings and Loan investigate the last couple of years of all XXXX XXXX Division applications for XXXX borrowers and see how many applied for XXXX, received Underwriting Conditional Loan Approval upfront based on income, etc. but later within 10 days of the constract closing date and after the Credit Aprpoval date on the Real Estate Contract 3rd party Financing, XXXX either denied to to a lack of borrower funds after XXXX reverses the approval to a denial unless the borrower finds gift funds, or other means? 

Clients are loosing Earnest Money, loosing funds on appraisals, loosing funds on inspection reports, the Realtors are loosing paychecks after working in good faith for months with clients. 

This email and instructions from XXXX XXXX at XXXX to STEER Borrowers away from DPA programs, Texas Veteran Land Board programs because the company is not making enough money so the Loan Officer can offer the product only to have XXXX XXXX STEER the clients to a more profitable loan product at the detriment of the borrower or XXXX XXXX instructions the division Human Resources department and payroll department to not pay the Loan Officer their compensation on loans that do not met his desires for revenue regardless of the guidelines for Loan Officer Compensation, the Texas Safe Act for Borrowers protection from Bait and Switch Tactics.
Consumer complaint received 2018-06-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUN LOAN COMPANY INC. (TN)

I have previously sent you a request to validate my debt per the Fair Debt Collection Practices Act ( FDCPA ). It has now been more than 130-days, A period that I felt was very reasonable. However, Ive noticed that this account is still on all three of my credit reports Even though you have provided nothing in the way of proof that this is my debt, that you are legally entitled to collect this debt, and accounting of the amount of the debt. 

As Im sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is  validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XXXX, the courts ruled that reporting a collection account indeed is considered collection activity.
Consumer complaint received 2018-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2018-06-02
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Navient Solutions, LLC. (AL)

Currently my student loans report that I have over seven late payments during the XX/XX/XXXX-XX/XX/XXXX time period however they have been in good standing since the end of XX/XX/XXXX. This reporting on late payments is negatively impacting my credit score and is enabling me from obtaining a mortgage. I have emailed the CEO of Navient about the issue as of XX/XX/XXXX and have yet to receive a response or resolution on this issue.
Consumer complaint received 2018-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax, XXXX and XXXX with no successful resolution. Equifax and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Consumer complaint received 2018-06-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (AL)

I first applied for a loan modification and mitigation last Fall. After several attempts at getting all the required documents and information to Ditech Financial LLC, they finally informed the application was complete in XX/XX/XXXX. The mitigation is still in " research and underwriting '' as of XX/XX/XXXX. I call them twice weekly and they repeatedly tell me they will contact the supervisor or director to " escalate '' the decision. No one has given me further information or any indication of possible outcomes. I'm mailing a QWR and meeting with my lawyer next week in hopes of resolving this matter asap.
Consumer complaint received 2018-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OR)

I have placed a fraud alert on my credit with all three credit bureaus. The thief who stole my wallet has continued to draw hard inquiries from XXXX XXXX on XX/XX/XXXX XXXX XX/XX/XXXX XXXX-XXXX on XX/XX/XXXX XXXX/XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX   on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX - XXXX  on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX My wallet was stolen on XX/XX/XXXX. I placed a fraud alert on all three credit agencies. I am concerned as to how these banks are still pulling my credit and approving applications under my name from this fraud. Can you please help me
Consumer complaint received 2018-04-22
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. (VA)

There are about 40 inquires from car loan companies from XX/XX/2017. I have tried to cal and write to all three credit bureaus and provide proof that I did not authorize all this inquires and they refuse to assist me.
Consumer complaint received 2018-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

As of XX/XX/XXXX, TransUnion is reporting on my credit report that I had a XXXX credit card from XX/XX/XXXX-XX/XX/XXXXthat is status " Charged Off ''. However, when I call XXXX, they confirm they have no record of me and that I have never had an account with them. I filed a " dispute '' with TransUnion but their investigation result is that the account status is " verified and accurate. '' XXXX did not have this account listed in XX/XX/XXXX.