davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC (PA)

Loan # XXXX with XXXX Loan Care Back in XXXX I made an online payment for my mortgage. Their online system had been upgraded so all default methods of communications were no longer programmed. I was not aware that my payment had not gone through. I got letters in the mail versus email or text notification weeks later. I had to speak to multiple people and was told that it was not an issue of bounced checked or payment but that my banking information online may have been wrong which had never been the case as I had made many timely payments beforehand. I was told that I had to pay via cashiers check and would no longer be able to pay online for the next 6 months. I have paid via cashiers check for XXXX and XXXX without issue. Last month I sent my check on XX/XX/XXXX, it said that it was delivered to their po box and picked up on XX/XX/XXXX and yet it was not applied to my account and they sent a letter stating that I had a delinquent payment. I contact them and they have no answer or help for why my check was not applied or where it might be. The person on the phone was asking me to go to the post office ( where their company po box was ) to ask if the check had arrived. Their po box has no actual address. Then he asked me if the check amount had been withdrawn from my account and I had to remind him that it was a cashiers check, it didnt work that way. His response was oh yeah right. The customer service agent was of no help. I proceed to send my receipt of the cashiers check and tracking info to the payment research team at loan care. It provided my bank, check number, who the check was made out to, the date of the check and signature of bank employee for verification and yet they claim they did not have enough information because I did not send a picture of the front and back of the check. The information provided was enough information to do research. There is no sense of urgency to help locate a {$2800.00} check sent to their po box . They just keep asking when I will make the payment. My bank said the check has been cashed. They have submitted a dispute and an answer will be given within 120 days. 

After speaking with 3 or 4 people in customer service, I was told that I could have been making payments through XXXX XXXX. This was not discussed back in XXXX or the numerous times I've spoken to people. I do not feel like Loan Care is handling the matter with urgency.
Consumer complaint received 2022-11-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Checkr, Inc (OH)

I sent in a identification theft report to XXXX on multiple occasions with all my information showing that where I live I own the house my copy of property tax from state I reside my license is another state I submitted proof. Via certified Mail same to checkr. Late payments and closed accounts deleted off my reports. Delete all traffics tickets and violations off checkr
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 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 2024-03-20
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 Under 15 U.S. Code 1681b 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 2020-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NM)

Hello, On XXXX of XXXX my wife and I contacted the actual company to see if we owed anything and if there was an amount left we were going to get on a payment plan. When calling XXXX and XXXX PA, they said they could not find an account under my name or social security number. It was like I never existed. The attorney I had once worked with in that firm, I was told, no longer works for them anymore. So we asked to be connected to the their collections department even though they were not showing to have an account with them or in collections. When speaking with their collections department ( Transworld Systems ), the same thing took place. They could not find anything anywhere under my name or social security number. So we said everything must be all clear because they were unable to validate it anywhere. Months later in XXXX my wife receives a call from Transworld Systems Inc. that there is a balance of over {$4200.00}. We were so confused because we tried so hard to make sure nothing would end up in collection to harm our credit. That is exactly what happened anyways. This has been haunting my credit ever since and my wife and I are trying to use my VA loan to get a home. I am working with someone in credit repair and I am trying really hard to have this taken off my credit report. The current amount that is showing, that I am aware of, is {$4000.00}. I talked to numerous people at XXXX XXXX XXXX, XXXX and there was nothing that I owed. Covered myself and even called collections to make sure I had nothing, and they had no account for me ... .I do not owe this debt and they can not validate that I owe this debt.
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Professional Finance Company, Inc. (CO)

I am trying to buy a house and found accounts with Professional Finance company on my credit report. I do not believe the accounts are accurate but I paid them because Professional Finance company agreed to delete account after payment. 

It is account # XXXX Accounts are still listed on my credit report and are inaccurate
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upstart Holdings, Inc. (CO)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE TO PRICIPLE IS NOTICE TO AGENT After reviewing my credit reports I noticed that your are alleging that the following accounts are negative without furnishing any proof of verification or accuracy of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( 4 ) XXXX XXXX  + XXXX XXXX XXXX + XXXX XXXX XXXX  + XXXX XXXX  XXXX  + XXXX XXXX XXXX + XXXX XXXX XXXX  + XXXX As you know it is against the law to report any information not proven accurate.I demand that you provide me with concrete evidence of my obligation to said accounts Please be aware that all negative remark found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 
I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. If you accept my request, I will not escalate this matter to Federal Court. In the case you dont accept the above request, legal action shall be taken against your company for compensatory damages. 

Thank you for your attention to this matter. 

Sincerley, : XXXX : XXXX All Rights Reserved Without Prejudice
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capitol One credit cards and bank accounts amounts unknown at this point XXXX XXXX XXXX {$61.00} XXXX XXXX XXXX {$330.00} and {$330.00} XXXX XXXX XXXX {$36000.00} XXXX XXXX {$530.00} All are pending upon XXXX
Consumer complaint received 2023-11-24
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 is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$460.00} ; XXXX XXXX
Consumer complaint received 2023-11-24
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. (FL)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-11-24
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. (CA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-11-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (DE)

Ref ID - XXXX I suddenly received a notification today that PayPal permanently restricted my account and froze my balance. I understand PayPal 's efforts to maintain the security of the PayPal community. However, I have been using PayPal for many years and have always maintained a good usage history. Suddenly, my PayPal account was permanently restricted for no reason and my balance of {$8800.00} was frozen. This caused a big blow to my life and will cause me to be unable to pay my credit card bill in the future. Credit card bills will cause a lot of damage to my credit history. I need to use PayPal to pay invoices sent to me by merchants. I can not afford to lose PayPal. Please don't treat a loyal PayPal customer like me like this.
Consumer complaint received 2022-12-20
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: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX  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 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 instructions
Consumer complaint received 2023-05-31
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-02-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (VA)

On XX/XX/XXXX, I sent Navient a Cease and Desist letter stating to cease all communication to my friends, affiliates, and my employer and they have continuously harassed me through my employer and other affiliates as a result after the letter was sent.They reached out again to my employer on XX/XX/XXXX XXXXwhich violated the cease and desist letter. I have voicemails and text message of the exchanges. This is a form of harassment and must be stopped.
Consumer complaint received 2024-02-27
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Army and Air Force Exchange Service (CA)

Military Star Card- {$3400.00}, in this account the last payment was done on XX/XX/year>, for {$100.00}, 2023. I spoke to a representative on XX/XX/year>, regarding making payments to my account. My account was sent out to collections the next month, and legally was not given the proper notice to make payments and have sent my account out to collections. In addition, I provided my new address which is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX as of XX/XX/year>. I spoke to the collection agency on XX/XX/year>, they have requested a Military Start Card History payment to the collection agency and for my records, no documentation has been provided. 

In addition, I tried to make payment when it was in-house in the collection department, and they said it was too late within 1 month it was sent to a third-party collection agency. Payments had been made for those XXXXwo prior months. I do understand how legally my account was sent out to collection within the next month after payment. They were by any means trying to help me keep it inhouse and I spoke to 2 of their associates at the Military Star Card Collection department.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (UT)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protective consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX  Account # No number 15 U.S.C 1681 section 602 a. States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it states, a consumer reporting agency, can not furnish an account without my written instructions.

15 U.S.C 1681 c. ( A ) ( 5 ) Section States : no, consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than the records of convictions of crimes, which antidote the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable caused believe that the information is an accurate.
Consumer complaint received 2022-12-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Notice, it is a fact, XXXX is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction XXXX, Transunion, and XXXX has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition XXXX, Transunion, and XXXX has committed identity theft. This is a violation of 15 U.S. Code 1681b ( a ) ( 2 ) and information associated with 1. The inquiry was not authorized by me. 
XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized by me XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized by me. 
XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized by me XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove from my credit report. 
5. The inquiry was not authorized by me XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report. 
6. The inquiry was not authorized by me XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report. 
7. The inquiry was not authorized by me XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report 8. The inquiry was not authorized by me XXXX XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove from my credit report. 
9. The inquiry was not authorized by me XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove from my credit report. 
10. The inquiry was not authorized by me XXXX  Date of inquiry : XX/XX/XXXX Please remove from my credit report. 
11. This account is not mine US DEPT OF ED/XXXX  Account Number : XXXX Please remove from my credit report. 
12. This account is not mine XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove from my credit report. 
13. This account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove from my credit report 14. Never late on this account. 
XXXX XXXX XXXX XXXX It states that Ive been late XX/XX/XXXX and XX/XX/XXXX. 
15 U.S. CODE 1666B If the creditor fail to provide documentary evidence violates the requirements of 15 U.S.Code 1637 ( B ) ( 2 ) ( A ) and the creditor can not report late payments.

Remove items from my credit report.
Consumer complaint received 2024-02-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (NC)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX, IA XXXX Subject : Formal Complaint Against Ability Recovery Services LLC Dear Consumer Financial Protection Bureau : I am filing a formal complaint against Ability Recovery Services LLC, a debt collection agency, for repeated violations of my rights under federal regulations : 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : Attempting to collect a debt I do not owe, or attempting to collect an amount greater than I owe.

12 CFR 1006.34 ( b ) ( 5 ) : Continuing collection attempts after receiving a written request to cease communication.

12 CFR 1006.34 ( d ) : Making misleading representations and using deceptive means to collect a debt.

15 USC 1681-S2 ( 7 ) ( A ) : Harassing, oppressing, or abusing me in connection with the collection of a debt Also this debt is passed of the statute of limitation of the state of North Carolina according to the bill the date service was 06/22/2021 I respectfully request the following : Cessation of Contact : Immediate cessation of all debt collection attempts by Ability Recovery Services LLC .

Validation of Debt : I request that Ability Recovery Services LLC provide clear validation of the alleged debt in compliance with federal regulations. 
Investigation : I request a thorough investigation into Ability Recovery Services LLC and their collection practices. 
Compensation ( If Applicable ) : If applicable, I request to be compensated for any damages incurred due to the company 's violations. 
Thank you for your attention to this urgent matter. I anticipate your prompt review of my complaint. 

Sincerely, [ Your Signature ]
Consumer complaint received 2023-12-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (IL)

I have now submitted three SAVE applications because of Nelnet issues/errors/incorrect information provided. My current SAVE application is still pending ( initial application was in XX/XX/2023 ). I have called Nelnet several times with wait times of up to 3 hours. I am being told that I now have to wait an additional 1-2 weeks to have something manually re-applied to my loan in order to allow me to make a {$5.00} payment to move to the SAVE account ( and since it is mid- XXXX, I imagine this will be a much longer wait due to the holiday ). I am concerned this will not happen before my payment is due in XXXX, and the amount is insanely high ( standard repayment amount ) and I can not afford it. 

I also requested records of all past payments made to XXXX XXXX, my prior servicer. I was given vague records of payments made on closed loans that have since been paid in full. The records did not show last payments made on my current loans. I still need this information to verify that the Nelnet balance is accurate. I am not able to obtain these records from XXXX XXXX. 

I need assistance resolving these issues, most importantly the SAVE application.