davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: EdFinancial Services (OK)

I had an economic hardship starting in XXXX of XXXX and ended in XXXX XXXX. I requested in XXXX XXXX an economic hardship deferment from the loan servicer Edfinancial for the months of XXXX XXXX XXXX. This economic hardship deferment was granted and the approval letter stated that the account would be considered current for those months of the deferment. There were XXXX late payments during that deferred period in XXXX and XXXX of XXXX. The approval letter additionally stated however that the derogatory payments would n't be corrected on the payment history even though my account was to be considered current during the deferment time. Talking to the lender 's representatives did n't help. At first, they stated that since I stated on the deferment request that I was n't on public assistance ( the answer to this was yes and no. I was on public assistance in XXXX and XXXX XXXX but was n't from XXXX to XXXX XXXX so I answered no ) but when in a later conversation with another rep pointing out that I was on public assistance, that representative stated that because I filed the deferment request in XXXX and was n't on public assistance at the time I filed the deferment request, they could n't correct my payment history on my student loans. The rep also erroneously claimed that the payment history reported at the time was true and could n't be changed. This is a violation of the Fair Credit Reporting Act in that they are reporting incorrect payment history to the bureaus since the creditor themselves have said they consider the account to be current during the deferment period, thus the payment history should reflect that. I have filed a complaint with the XXXX XXXX XXXX XXXX XXXX upon referral from XXXX
Consumer complaint received 2022-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Credit reporting agencies : XXXX, XXXX, Transunion. XX/XX/2022 I requested each agency credit report and found several inconsistencies. Some accounts were not reported, some had reporting dates different or activity dates different or not reported at all. 
XXXX XXXX XXXX reports my name wrong and unknown addresses and employment. There are many inquiries from unknown credit inquirers on my report.
Consumer complaint received 2022-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am submitting this complaint regarding the fraudulent information being reported on my file. I am a victim of Identity Theft and I have reported the Theft of my Identity to the FTC and attached a copy of FTC 's ID THEFT REPORT. It has been drawn out into the open that Transunion is not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. The account listed below is resulted from the Identity Theft and must be eliminated from my file : XXXX XXXX
Consumer complaint received 2024-10-13
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)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX DOB : XX/XX/year> Dispute of Inaccurate Information and Request for Account Deletion I am writing to formally dispute the accuracy of information contained in my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c-2, I request the blocking of any information in my file that I identify as resulting from identity theft, within four business days of your receipt of this letter. 
Inaccurate Reporting : Under 15 U.S. Code 1681e ( b ) and 1681i ( 5 ), you are required to ensure that the information reported is 100 % accurate. The accounts listed in my credit report are in violation of these standards and have compromised my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1681. 
Right to Privacy : Pursuant to 15 U.S. Code 1681, I have the right to privacy regarding my financial information. 
Furnishing of Accounts : According to 15 U.S. Code 1681 Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish accounts without my written instructions. I have not provided consent for the reporting of the disputed accounts. 
I request that you provide me with the original copies of the agreements and terms and conditions for the accounts in question. Failure to comply with this request will result in the necessity for you to delete the listed items from my report. 
Please delete these accounts from my credit report within four days of your receipt of this notice. If you fail to comply, I will seek to hold you accountable for {$1000.00} per account, as provided under the FCRA. 
I look forward to your prompt response. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-10-14
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX ( XXXX ) XXXX XX/XX/year> Re : Dispute of Charge-Off Account [ Creditors Name ], Account Number : [ Account Number ] I am writing to formally dispute the inaccurate reporting of a charged-off account listed on my credit report by XXXX This account, identified with the account number XXXX is being falsely reported with a balance of XXXX This charge-off is incorrect for the following reasons : 1. False Reporting : The balance reported on this account is erroneous and does not reflect the current status of the debt. I demand that you provide immediate proof of the accuracy of this balance.

2. Failure to Validate Debt : According to my records, no proper validation of this debt has ever been provided by [ Creditors Name ]. Under the Fair Credit Reporting Act ( FCRA ), you are required to verify the information within 30 days. Failing to do so means you are obligated to remove this account from my credit report immediately. 
3. Potential Legal Violations : I am fully aware of my rights under the FCRA, as well as my rights under the Fair Debt Collection Practices Act ( FDCPA ). If this inaccurate information is not corrected or removed promptly, I will not hesitate to seek legal action for damages caused by these false entries.

I demand that you investigate this matter immediately. If this account is not verified and corrected within the legally mandated timeframe, I expect its complete removal from my credit report.

Please be advised that I will be tracking this dispute closely. Should this issue not be resolved to my satisfaction, I will take all necessary steps, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

I expect a full written response and confirmation that this charge-off has been rectified or removed from my credit file. 

I've enclosed two forms of identification to prevent any further stall tactics Sincerely, XXXX XXXX
Consumer complaint received 2017-01-06
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NV)

I currently hold a Mortgage with Ditech financial and rec 'd notification in XXXX 2016 that they have not paid my Property taxes. The property taxes were 6 months past due, When I called Ditech to follow up with them they told me they would start researching. I followed up about a month later and nothing had been done, They immediately began working on it and sent out tax payment to the assessors office. In Ditech 's error.. They sent a second payment a week later ( Causing an escrow shortage in my account ) I notified Ditech again regarding the error because I now have rec 'd a notification stating my Mortgage payment was increasing due to the impound shortage. This has been going on for almost 3 months now unresolved. I would like Ditech to credit back the funds to my escrow account they sent in error and verify and confirm that my payment remains unchanged. I escrow account is correct and there should be no payment increase once they credit back the overpayment they sent in error. Ditech will not put a supervisor on the phone, They state they are to busy and they just keep pushing me off to representatives, Tax dept ect, I am fed up at this point and am requesting assistance.
Consumer complaint received 2017-01-31
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: U.S. BANCORP (IN)

I received a gift card for XXXX XXXX for {$150.00}. It is a XXXX XXXX XXXX with US Bank National Association. I activated the card at XXXX and there was {$150.00}. This was XXXX of XXXX. I have made no purchases on this gift card. When I went to check the balance today it says there is a {$0.00} balance. I called customer service and was told the card was used twice in XXXX. I did not use this card and ask how I can file a dispute and was told that although they can tell me when transactions took place, they can not tell me what the amounts were nor what the original amount placed on the card. I did a bit a research and found this website. If there is any way I can possible recoup my gift card it would mean a great deal to me. This was a gift from my children and I do not have a receipt. I ask the customer service person for a transcript or an itemized list of the charges on the gift card and was told they could n't do that.
Consumer complaint received 2024-10-13
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. states I have a right to privacy. 15 U.S.C1681 Section 604 A.Section A Section 2 : It also states a consumer reporting agency can not furnish an account without my written Instructions. 


This Account XXXX XXXX  is paid and closed and it's over seven years old.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hello my name is XXXX XXXX XXXX, i am writing this complaint because there were two recent hard inquiries reported to my credit profile that i DID NOT approve of or authorize. I believe my ssn were used for this attempt but i have no participation in them. I have called the two credit bureaus linked to the inquiries and they refuse to help me. They are not respecting my request to remove these inquiries. I did not consent to them. PLEASE help as my credit image is affecting by these. Transunion and XXXX are no help at the moment.
Consumer complaint received 2016-12-29
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Equitable Acceptance Corp (ME)

Through Equitable Acceptance Cooperation I understood that the payments that I was making to them would be included in public loan forgiveness program, before I began making my payments to the student loan services but they were not. I did n't realize my APR would be 17.99 percent and it would take me 3. Years to pay off {$1200.00}. At XXXX a month on top of my student loans. I trusted the contact person rather than reading pages of online fine print, as I had just graduated from college with a large loan and no job yet. I feel they took advantage of me at a vulnerable time.
Consumer complaint received 2015-05-04
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ditech Financial LLC (TX)

I submitted a settlement check that was the result of a judgment from an insurance company. The check was required to have the name of the current mortgagee and myself. I informed Green Tree the background history prior to submitting the check. The initial person I spoke to gave me what they thought the requirements would be for disbursement. Unfortunately, once they got the check all of that changed even the department handling the situation changed. They kept stating it was a claim for damages even after receiving copies of the court papers, affidavit from the original contractor, and a statement from the insurance company. Green Tree just refuses to give me my money. According to the reviews and statements from former homeowners this is their practice. They hold all the checks in escrow and profit off the interest. They have been in possession of the check since XXXX 2014. They are now proceeding to foreclose on my home, because of delinquent payments and still refuse to give me my money. I offered to pay for an licensed inspector to prove that the work had been done years ago, before they took over the mortgage. They said it would not make a difference. I sent a notarized statement offering to bring mortgage current and take the difference. No response from Green Tree. They are withholding a {$26000.00} judgment settlement check that would help me get my financial stability. Please help end this XXXX, and save my home.
Consumer complaint received 2016-09-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Brian P. Mickles, PLLC (NC)

This supposed law firm took a judgement out on behalf of XXXX for unpaid child care in XXXX, no where on this contract did I sign or was responsible for the debt. My children 's mother is the one that enrolled them. I was never informed of this court case in XXXX or was presented with paperwork in XXXX. I only found out about this when they began garnishing my wages this year. Upon contacting them they stated that they have tried to contact for the last several years, I have lived in a different state since XXXX upon leaving that state all of my mail was forwarded to a different address in NC. I have never been contacted via any outlet. No mail no phone calls no nothing. When I asked them for proof of debt they only sent me a computer generated statement with my children 's mothers name on it. No where is my name on their proof. When asking for other proof I was told they could n't and would n't provide. I am wantino all money that has been taken from me and is continuing to be taken to be returned immediately. They will not even prove the debt nor will the respond when I have contacted them via phone calls and email.
Consumer complaint received 2017-03-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF THE WEST (TX)

I have a bank of the west checking account and it has around {$500.00} balance. I had monthly activities ... .... 2 years ago, I ca n't login in to my account and had n't received any letter from them. I called one of their branches in XXXX, IA and one banker over the phone told me my account went dormant and I had to fill out the form to reactive my account. She mailed me a form in the mail, I filled out and mailed back to her. Nothing has happened ... .I ca n't still login in to my account and I need my money back. Bank of the west ca n't just say customers ' account go dormant and keep customer 's money. 
The below is my Bank of the West account number : Account Holder XXXX Account Type Checking Account Number XXXX Transit Routing Number XXXX
Consumer complaint received 2015-04-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc (GA)

At the bigginin of XXXX XX/XX/2015 I opened up a bank account at a company called PayPal. They said they could arrange the processing of my credit card transactions and would divert the money to their own account with the understanding that it was my money and they were only holding it for me as my agent and fiduciary. I deposited around {$2500.00} over the next few weeks. On XXXX XXXX, XX/XX/2015 I attempted to transfer my money out of their account and into my account using ACH. Paypal refused the transfer and told me they have decided to keep my funds and there was nothing I could do about it. I contacted the Georgia Department XXXX and was informed Paypal has no right to operated as an internet bank in Georgia as they have never applied for a banking license. I have since filed a lawsuit in small claims court and learned during my research of Paypal that what has happened to me has happened to thousand 's of individuals across the United States. Paypal routinely seizes money and actually has the chutzpah to claim we have no right to now why. I have also learned that Paypal takes all depositors monies and invests it in anything it chooses to to make interest while paying depositors ( like me ) nothing. This is all fine unless and until Paypal looses all the money investing in XXXX XXXX and we all become unsecured creditors in a bankruptcy proceeding with little to no change off ever receiving anything back.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

In accordance with the fair credit reporting act XXXX  account XXXX XXXX account number 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 instruction.

15 U.S.C. 1666 B. A creditor may not treat a payment on a car loan account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2015-12-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Bureau of York, Inc. (PA)

I sign a contract with the company XXXX XXXX XXXX, for one year, when I sign the contract the manager with the name XXXX, told me, if you cancel the lease before the year, you lose the down payment, and all is ok. but after 6 month I talk with her to try to cancel the lease, she said no, if you cancel the lease know, you need paid the total pending in the lease, for XXXX, I deliver the keys, and she put my information under collection for the value mentioned.
Consumer complaint received 2016-12-21
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (NY)

Sent a payment for a hotel to a friend using PayPal. In the notes, I wrote XXXX hotel. The status went to pending and PayPal requested information. I stated that it was a legal trip ( Americans are allowed to XXXX ). It has now been 5 weeks and my money has not been sent or refunded. I have contacted PayPal several times via phone and email to get this matter resolved and I 'm told every time it would be resolved in 72 hours but no resolution has yet to cut. Even worse PayPal will not return my money or allow me to close my account. I feel that this company has stolen money from me that it will not return
Consumer complaint received 2015-06-01
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: URS Holding, LLC (MD)

My name is XXXX XXXX. On XXXX XXXX 2011, I received a letter regarding a debt. At that time gave XXXX options to get a settlement. I called and arrangements to settle this account with option # XXXX ( was to pay a lump-sum payment of {$850.00} ). That was a savings of 50 % on my outstanding balance. I received notice from my bank ( XXXX ) that the transaction was processed on XXXX XXXX, 20 11 and the full amount was paid to J.C.Christensen & Associates , Inc. With transaction # XXXX. 
When I called again to confirm the payment was received, the representative mentioned that no further action was needed from my side and the debt was canceled. 
I 'm asking for your help to resolve this issue. 
I look forward to a resolution of this mistake miscommunication between J.C.Christensen & Associated , Inc. And the other collector XXXX XXXX XXXX XXXX XXXX Also, I would like comelet all necessary steps to clean my credit records. 
Manny thanks
Consumer complaint received 2015-10-19
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (ND)

I have been a loyal customer to Rushcard, since 2013. I received an email that they would be upgrading there system. When this happened many customers were affected not receiving their direct deposit, accessing the online page or money missing out of their account. I have had a total of {$150.00} missing from my account. There were bills that I paid that have not came out yet in the amount of {$15.00} and {$60.00}, that got returned and now im stuck with {$60.00} in late fees. 

We have been lied to by several messages posted on XXXX saying our money is safe and if we have questions to call them or send a private message. Everytime you call, you get hung up on and no private messages are returned. 

I need my money back and they have messed up everything and are not taking anything seriously with their customers in any compensation at all. 

Thank you, XXXX XXXX XXXX email XXXXXXXXXXXX
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WA)

I pulled my Experian credit report today, XX/XX/2022 and there are multiple incorrect addresses reported on my credit report and I would like them removed immediately. I have requested my personal information be updated using Experian 's various preferred methods without success.
Consumer complaint received 2016-05-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MN)

Just wanted to follow up on your responds from earlier today. You said You would contact the creditor about the accounts that I 'm asking for documents on Their is no need for you to do That. Umm I 'm asking you! Your company to send me those documents the law states that you the reporting agency should have those documents in your possession at all times and when the consumer asked for them you have 30 days to supply that info. 
XXXX XXXX XXXX closed account and XXXX closed And all credit inquires that does not match any credit in my file I been battle this for 3 Months now please do this as quickly as Possible Thanks also Still willing to drop all Dispute with CFPB If you are willing to settle and have the items removed or send me the original documents