davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: MOHELA (WI)

I am writing you to bring attention to the Forgiveness Loan Program through XXXX XXXX are not working. In XX/XX/XXXX, I took out a student loan for {$5000.00} to attend XXXX XXXX XXXX XXXX ( XXXX ) to work myself off of XXXX and provide a future for my children. I worked a number of jobs before my career started at XXXX XXXX XXXX in XXXX. 

Firstly, I have been paying on this student loan since XX/XX/XXXX. On XXXX XXXX, XXXX, I filled out and submitted the Forgiveness Loan Applications. I received a letter for my last job that I worked at that time, but not for my 14 years of service from XXXX XXXX. I telephone them about my XXXX XXXX XXXX application and they stated that they had not received that one, so I re-faxed it. I received another letter regarding that my XXXX employment was approved, but I misplaced it and never heard anything from XXXX again. In XXXX, XXXX, my husband and I filed bankruptcy. Of course, Mohela ( who I have been paying my student loan through for the last 2 - 3 year ), even though they knew I had applied for the Forgiveness Loan program ; put my student loan in the bankruptcy anyway. I have filed complaints with the XXXX and the Consumer Financial Protection Bureau. 

Secondly, today, I received a response from the XXXX that XXXX XXXX XXXX, of Borrower Experience Advocates XXXX XXXX | XXXX, stated that I need to continue to work with XXXX. XXXX is refusing to help me. He is telling me that my bankruptcy attorney needs to get it out of bankruptcy, but knows that his agency approved me for the forgiveness loan. 

Finally, on XXXX XXXX, XXXX, I sent an email to my State Representative XXXX, whose office has not done anything. I should not still be paying on a {$5000.00} dollar loan from XX/XX/XXXX - XX/XX/XXXX, this should have been paid office.
Consumer complaint received 2017-01-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (VA)

On XXXX/XXXX/XXXX, I received a telephone call on my personal cell from a debt collector identified as Transworld System Collection Agency in reference to an allege debt I had with my health insurance company. When I attempted to gather additional information about the alleged debt, they refused to provide any further details claiming that it was the only information they had. I managed to gather some additional info from the insurance co, and the amount of the alleged debt which was {$440.00} according to them. I also obtained info on the alleged day the transaction took place which was on XXXX/XXXX/XXXX but could not gather any further info as to the provider and the type of service I allegedly received. The person that contacted me was interested in the collection per se and not in providing me details to resolve any misunderstanding. In addition, he recited to me verbatim my full social security number after I confirmed my last XXXX, my full name, DOB, and other personal information which they should not have obtained legally. My complaint relies on the fact that I was able to pursue information from the alleged health insurance company in XXXX XXXX, XXXX. The transaction they claimed I owe ca n't be possible since according to the health insurance co, I deactivated my insurance on that same day due to a relocation. The insurance co, verified their records which yielded negative as to any pending charges or attempt to collect a debt. The insurance co, ( XXXX ) took notes n my concerns and asked me to send a formal write up to be placed on the record. XXXX is a scam. I vehemently, stated to them that I would proceed no further with the conversation until I obtained further information based on my consumer rights. The person on the phone was very persistent and utilized intimidating l am a federal employee and a victim of identity theft when XXXX records were stolen in XXXX. As a result, my personal information has been all over the internet and used by unauthorized websites without my knowledge or consent. I have evidence of such instances as well. I request prove of the alleged pending debt and validation that I made it. The fact that they had my whole personal information does not states the transaction was made by me and is valid. The account number they provided to me for this matter is XXXX and their phone # is XXXX. The number they called me from showed is registered to XXXX, Florida.
Consumer complaint received 2016-05-22
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (AL)

My account was suspended due to fraud and was debited {$500.00} due to an error for a chargeback that was already paid back and I submitted attorney paperwork to the bank that sent the chargebacks to my account I have had for over 5 years but it was not reviewed and my account was closed with no review or explanation.
Consumer complaint received 2016-09-28
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: The Regional Adjustment Bureau, Incorporated (NE)

Collection companies buy and sell a student loan debt that is not valid debt of mine. I have written each company that has serviced said debt to explain that this is NOT a valid debt and the collection company either sells the debt to another company or has another collection company service the invalid debt. The latest debt collector is Regional Adjustment Bureau, INC of XXXX, TN XXXX XXXX XXXX XXXX. This aforementioned company continues collection efforts after written and verbal notification of invalid debt and solicitation at a work phone number.
Consumer complaint received 2015-06-24
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A. (TX)

In XXXX, and XXXX, I suffered XXXX difficult pregnancies both cost me tens, of XXXX of dollars. In XXXX my child was involved in a XXXX car accident which required XXXX surgery. In XXXX, the last of my hardships, was when my transmission died and had to be replaced. I have tried to reach out to Flagstar Bank for help with a modification but they have been delaying the process on each and every occasion. I even had to file bankruptcy. For many months I have been desperately seeking a modification. I have received lots of expert help from several resources. To no avail each time I got a DENIED! Our home is now upside down. We requested to do a short sale but were told I ca n't apply for a short sale until my modification has been denied. They keep sending letters saying the application is INCOMPLETE! Not denied so NO SHORT SALE! This time My point of contact XXXX XXXX said my file was closed out in XXXX and that I requested the modification less than XXXX days before the foreclosure sales date ; this is not possible because I received a Incomplete Information Response Notice from Flagstar dated for XXXX XXXX, XXXX. I was never notified that my file was closed. I have been sending in my documents to Flagstar Bank for months. They just keep delaying my modification process so they can illegally foreclose on my home. To this day I have still never received any type of formal denial letter that stated when or why my modification request was denied. They said my file is closed and have scheduled my home for foreclosure in less than XXXX weeks 0n XXXX XXXX, XXXX. My point of contact XXXX XXXX told me nothing can be appealed. This is legal. I 'm so exhausted and too weak to continue this fight! Can you please help me to save my home?
Consumer complaint received 2024-08-20
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)

My account with XXXXXXXX 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 60 days 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. XXXXXXXX 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 XXXX
Consumer complaint received 2016-06-06
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (FL)

I have a Paypal account, reluctantly, because it is necessary to have a Paypal account to sell an item on eBay. I filed a previous complaint about this Paypal account with the CFPB because Paypal would not mail a check to me with the account balance. To retrieve my money from my Paypal account I created a special purpose bank account and linked it to the Paypal account. I was able transfer the balance of my Paypal account to my bank and withdraw the money. I sold another item on XXXX XXXX and the buyer paid for the item + the shipping by Paypal. When I printed the mailing label thru eBay, Paypal tried to debit the linked bank account {$2.00} for the shipping, even though the buyer had deposited funds for shipping in my Paypal account. I also had a credit card on file with Paypal. When I linked my bank account to Paypal I did so only to receive the funds from my Paypal account. I did not knowingly authorize Paypal to withdraw funds from my bank account and I would never do so. Paypal 's attempt to withdraw the shipping my my bank account was an unauthorized wire transfer transaction. Because there were no funds in the bank account linked to Paypal ( on purpose because I do not trust Paypal or the Paypal security ), my bank denied the debit and charged me {$32.00} for insufficient funds.
Consumer complaint received 2017-02-01
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (MI)

I received a letter from IC System a debt collector. I called the company, XXXX., spoke with XXXX in billing and she discovered they had left the A off on the end of my Medicare card, so she said she would rebill Medicare. A couple of months later I noticed that the debt still was not paid so I called again ( XXXX XXXX XXXX, spoke with XXXX, at that time she said she would rebill Medicare again. Then I received an EOB from Medicare stating that I would be billed XXXX. 
Then about a week and a half later I again received a bill from the collection agency at that time I tried to call XXXX XXXX unscccesfully, the line was always busy. I called some agencys, XXXX XXXX and XXXX XXXX. 
I am going to try to attach some info to help you to understand.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : 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 2015-07-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: S.B.S. Trust Deed Network (CA)

I had a Special Assessment from my HOA. I paid the assessment late but in full to the property management company before I was contacted by a debt collection agency. 

Debt Collection company has charged me fees and threatened me with a lien against my property. 

Collection activity should be remove from my credit file.
Consumer complaint received 2016-12-30
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Financial Credit Service, Inc. (CA)

They continue to call and threaten to sue me if I do n't pay for an old debt that I have already paid over XXXX years ago. I kept telling them I do not owe but they said they will sue if I do n't pay. I do n't owe this debt. I just received a call and found out the company name. ARA inc .
Consumer complaint received 2016-06-29
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Army and Air Force Exchange Service (FL)

I want this company to stop harassing me and sending me letter. I also want this company to be report to the XXXX and the Florida Law for not respecting the DO NOT CALL list who is punishing of fine. Make sure this company stop sending me any more letter or calling me for this invoice. I do n't even know this company
Consumer complaint received 2024-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified this. Depending solely on your flawed XXXX  system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX  in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2016-10-26
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ZIONS BANCORPORATION (AZ)

I opened this loan back in XX/XX/XXXX and was scheduled to make manthyl payments of {$460.00} for the next 36 months. A problem has developed where I can no longer afford to make these payments since my medical insurance premiums jumped over 500 % for XX/XX/XXXX. I spoke to my attorney who advised me that I should file for chapter XXXX bankruptcy and that I should contact the creditor about a refinance or a resonable payoff ( settlement ) quote. In contacting the collections department and customer service I am finding that after XXXX or more calls that they are trgfising to listen and cooperate. They either do not have any information to give me or tell me that they will not negotiate ; clearly ignoring and voilating all applicable federal and state laws. If we do not reach an agreement in which I can reasonably pay off this loan, I will be forced to play all audio recordings of these phone calls in open court, demonstrating their contempt and refusal to cooperate -- resulting in the coutt ruling in my favor and forcing them to write off this debt and cease all collection efforts.
Consumer complaint received 2024-08-20
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. (TX)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/year>
Consumer complaint received 2024-08-20
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. (NY)

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXX
Consumer complaint received 2024-08-20
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. (PA)

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 2017-11-29
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. (TX)

My name is XXXX XXXX. The credit bureau is refusing to remove a collection record from my report that is not mine. It is being reported as a paid debt but I have never had any business dealings with this company. I have never been called by them, I have never received any letters or notices from them and I have never paid them any money. There is no reason for this to be on my credit. The account name is under " XXXX XXXX '' with account number # XXXX. It is reported to have been opened since XXXX 2016. As the credit bureau 's records will show, I have been disputing this for a very LONG time. To this date, I have only received generic responses claiming the account information is accurate to be on my report. Last week, I took it upon myself to call XXXX XXXX and spoke to their representatives and a supervisor. It turns out that the personal information on this account does not match mine besides a very similar sounding name. They were not able to give out any more details because I was not the verified person on the account. This is frustrating and confirms to me that the credit bureau has not been processing my past disputes properly. If I am being told by the source of this information that this is not my account, why does the credit bureau continue to report this to my credit? I am being given the runaround when the fault is really with the credit bureau and they are refusing to correct their mistake. This is the reason why I am filing this complaint.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: American Credit Acceptance, LLC (FL)

American Credit Acceptance is in violation of the Fair Credit Reporting Act ( FCRA ), U.S. Code 15 1681, and its privacy provisions in connection with my account number XXXX. On XX/XX/2024, I sent a promissory note via certified mail outlining the terms of payment for this account. In the promissory note, it was clearly stated that during the repayment process, no negative information, including late payment history, should be reported to any credit bureaus. 

Despite this agreement, it has come to my attention that American Credit Acceptance has reported late payment information related to this account. This action is in direct violation of the terms outlined in the promissory note and the following provisions of the FCRA : Unauthorized or Inaccurate Reporting of Consumer Information : Under 15 U.S.C. 1681s-2 ( a ), furnishers of credit information are obligated to provide accurate information. Reporting late payments contrary to the terms agreed upon in the promissory note violates this statute. 

Consumer Rights to Privacy : The FCRA ensures the protection of consumer credit information. By reporting late payments without cause, American Credit Acceptance has breached the privacy protections provided to me as a consumer under the FCRA.
Consumer complaint received 2016-09-20
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (MO)

I allowed my son to use my account and he paid the bill. Upon his passing we found out that the balance was over {$17000.00}. and we were told that because the account was in our name we were responsible. Our credit limit was XXXX, very sufficient, but Home Depot took it upon themselves to extend credit beyond that amount. I feel that we should be resposible for only charges upto the credit limit. I have never heard of any credit card extending credit without the knowledge, consent or request of the card holder, but I guess with approx. 24 % int. they did n't care.