davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Selene Holdings LLC (CA)

I was previously on a disaster forbearance plan with a prior lender. I am in no position to repay the entire forbearance amount. I received a letter from Selene Financing that they're asking if the entire debt belongs to me and to repay the entire mortgage balance. I am also not in a position to repay the entire loan balance too or the forbearance balance. According to XXXX XXXX, " If the borrowers hardship is due to a disaster event, the servicer is authorized to offer a forbearance plan without achieving QRPC ... '' The servicer must make every attempt to achieve QRPC. The purpose of QRPC is to -determine the reason for the delinquency and whether it is temporary or permanent in nature, -determine the occupancy status of the property, -determine whether or not the borrower has the ability to repay the mortgage loan debt, -educate the borrower on the availability of workout options, as appropriate, and -obtain a commitment from the borrower to resolve the delinquency.
Consumer complaint received 2018-01-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLD KEY CREDIT, INC. (FL)

As I have said I have never been to any hospital or used and medical services. Lost my wallet awhile back and got a replacement i.d maybe someone used my i.d at a hospital. Either way this was not me or is not my debt. Stop reporting on this fraudulent debt. 

XXXX XXXX XXXX/CHARGEOFFOther {$710.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Bureau Name GOLDKEY CRED Original Lender MEDICAL Account Number XXXX Account Type Not Reported Responsibility Individual Age Of Account XXXX Years, XXXX  Months Credit Limit Not Reported Highest Balance {$710.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX, XXXX, XXXX, XXXX and XXXX for XXXX XXXX XXXX  and XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX for XXXX XXXX XXXX  XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX  and XXXX XXXX XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2018-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (DC)

I was making payments and prepayments we only applied to interest and not principle. I was in a repayment plan that was not repaying the loan, after 5 years my balance was the same despite paying more than my payment and I was not made aware.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-09-26
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: EQUIFAX, INC. (NJ)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AXOS FINANCIAL, INC. (GA)

During a trip to XXXX in XXXX, my debit card, my credit cards, and my phone were all stolen and my debit card and my credit cards were charged thousands of dollars. Both my credit cards declined these transactions because they were obviously fraudulent. My debit card bank, Axos, allowed these charges to go through ( totaling {$2200.00} ) despite Axos also flagging these charges and denying subsequent charges ( see attached form ). When I disputed these charges, Axos denied my claim and explained that I approved the charges through face recognition software ( see the attached form ). I have a XXXX XXXX that does not have face recognition capacity.
Consumer complaint received 2022-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

On XXXX XX/XX/2022 I was XXXX at a bar and coerced into a car of the individuals who XXXX me. They stole my newly issued Chase Debit card ( the pin had been written down on a piece of paper in my wallet the card was so new, which is how they were able to access my funds ), along with my phone so I was unable to lock these cards until after the transactions were made. Between roughly XXXX - XXXX, these thieves made 20 fraudulent charges on my Chase Debit card. 1 charge was for {$800.00} as an ATM withdrawal, and the other 19 were a combination of purchases and {$100.00} cash-back transactions at XXXX and XXXX around the state ; these totaled {$2400.00}. In all, I was robbed of {$3200.00}. After being dropped off in an unknown area of XXXX, with no phone I made it home and immediately went to the nearest XXXX XXXX at roughly XXXX on XXXX XXXX. I called there fraud department on there office phone, and then multiple times over the next 3 weeks in pursuit of my claim. I was given {$800.00} of credit for a short period of time but then it was revoked. I was informed by Chase that I needed to file a police report, which I attempted to do but had just sold my car and couldn't complete the police report online so I could never fully fill it out. Chase told me that 20 transactions in the early morning, made all over the state ( a week after I had sold my car and have the receipt to prove it ), involving thousands of dollars of cash-back transactions, WAS NOT FRAUDULENT in nature. They revoked all provisionary credit and closed my fraud department claim. I never received any apology from Chase for allowing this thievery to happen. At the time i was unaware of what to do, until recently I discovered the CFPB.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Legal Department, This DISPUTE LETTER is being submitted in light of the recent Overhaul of Consumer Records by the Credit Bureaus. I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. The below listed accounts were not opened by me, and that I did not profit from these accounts having been opened.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

It is also my request by virtue of the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) that documentation showing evidence of a properly opened investigation of the below disputed accounts be forwarded to me along with any and all responding letters or documents of these alleged creditors. Failure to provide to me these documents along with certified proof of contractual agreements between myself and all of the below listed alleged creditors shall constitute admittance that this consumer reporting agency is reporting inaccurate and unverifiable consumer information and shall be removed and deleted immediately to comply with the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) legislation.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, do not belong to me in part or in whole. Let it also be noted that I did not give my authorization for anyone else to open these accounts. 

They are being listed as follows : ( Collection account ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am disappointed from the result of my complaint- it feels as if my request was not taken into a very serious consideration so I am once again asking for your company to investigate my case and have these accounts removed and information corrected.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. if you don't look into these accounts, XXXX take legal action against you.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more probI am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic. 






lematic.
Consumer complaint received 2017-10-31
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (OH)

I co-signed my daughters loan for $ XXXX I have paid $ XXXX on the principal and another $ XXXX in interest. I called for a payoff amount and I was told I have a principal balance of $ XXXX. If I have paid $ XXXX in Principal then my payoff should be interest accumulated to date and the basic principal balance. why would I owe and addtional $ XXXX on a $ XXXX loan that I have already paid between principal and interest {$13.00}. I should owe the difference between $ XXXX and $ XXXX plus interest which would be around $ XXXX
Consumer complaint received 2023-05-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Commercial Services, Inc (WA)

Hello, I have been able to contact someone at NCS back in XXXX of 2022. I have informed them that I would like to make an offer of settlement of already made payments. The person who has been in charge at NCS XXXX XXXX refused to share my request with the client XXXX XXXX XXXX. 
I then asked again why would he not share my email or request to settle with them. We have gone back and forth many times and he has refused to share my offer with his client and for whatever has said he would if I made an offer and when I told him I did, he says it is an acceptable. I then asked what is acceptable for the client XXXX XXXX XXXX and he keeps telling me to make an offer or a better offer. 
At this point I dont know if the client actually exists and he is refusing to take my offer to the client or there is no client and he is using a fake client. 
I then asked to speak with his boss and he has refused to provide that information as well and said he is the only person I will be dealing with and no one else. 
At this point I dont know what else to do.

1- I made an offer per XXXX XXXX instructions but he is refusing to take it to his client XXXX XXXX XXXX. 
2- I asked him to ask his client what they think is a fair offer to close this settlement and he is refusing to provide that as well.

3- I asked to communicate with the client and he has refused to provide that information. 
4- I asked to communicate with his superior since I dont believe he is being honest in his dealings, he has refused that as well.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXXXXXX  Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue.

Account Information : Creditor 's Name XXXX XXXX Account Number : XXXX Dates of Late Payments : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXXXXXX 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX  I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The late payments were incorrectly reported due to an issue with the automatic payment system that I had set up with XXXX. The funds were available in my account, but due to a technical error, the payments were not processed on time, leading to the late payment entries on my credit report. This error was not caused by my actions and should not reflect negatively on my credit history. 
Evidence provided : Bank statement showing sufficient funds in the account on the payment dates. 
Correspondence from XXXX acknowledging the technical issue with their automatic payment system.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: CITIBANK, N.A. (GA)

I was informed to be pre-approved for XXXX XXXX, credit card and Citi Bank card. When I applied I was denied approval without explaination. Now I have two hardships on my credit. Not sure what credit card to apply for now to build credit.
Consumer complaint received 2017-10-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (GA)

Paypal- I used a Paypal account in XXXX to buy books for college classes I was taking off of XXXX. After using the account to make the stated purchases, I discontinued using Paypal for any future purchases. The Credit Card linked to the account expired and was not renewed. XXXX XXXX, I was contacted by Paypal to discuss possible fraudulent activity on my account. Paypal representative stated a Laptop was purchased XXXX XXXX XXXX XXXX using my Paypal account from XXXX and shipped to an address in California. I was asked if I made this purchase. I stated that I did not make this purchase. Paypal recognized that my account had been dormant with no use since XXXX. They stated that this would be investigated and stated they would contact me with any further information. I was contacted a second time by Paypal stating they confirmed this was possible fraudulent activity and would cancel this attempted charge and apologized to me. I stated in both phone conversations to please ensure my Paypal account was closed so that no charges could be placed on that account. This was recognized and further communication was given to me stating that all charges would be removed and the account closed. I completed all phone conversations with them to process the charge for investigation of fraudulent activity. XXXX XXXX, XXXX I was contacted by Paypal stating that I owed charges for a purchase in XXXX of the stated laptop above. Paypal stated they attempted to contact me for dispute of the purchase, but was unable to reach me. I stated the charge and activities were inaccurate. Paypal stated they understood this, but I was still responsible for the charges. Please help
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
XXXX XXXX XXXX XXXX AcctXXXX {$6000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$9700.00} In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.