davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-25
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Quality Loan Service Corporation (NV)

XXXX XXXX XXXX  Fraud- illegal foreclosure My husband XXXX XXXX took out a XXXX XXXX XXXX XXXX XX/XX/XXXX for {$300000.00} for our home at XXXX XXXX XXXX XXXX XXXX NV XXXX through XXXX XXXX XXXX . On XX/XX/XXXX, XXXX was hurt in an industrial accident and denied emergency medical attention by his employer despite them knowing his serious established service connected disabilities that they received tax incentives for. This delay in medical attention caused his injury to be prolonged and his workers compensation claim was initially denied. This further complicated his care, leaving him no choice but surgery. Although the surgery helped him, and XXXX struggled to return to his position, his attorney failed to secure any rights and he suffered a XXXX loss in pay. He was not able to continue employment and was forced to resign in XX/XX/XXXX. 

It took quite a while to secure his retirement and his VA claim also took quite a while forcing us into bankruptcy. Foreclosure proceedings started in XX/XX/XXXX and we were offered a modification plan. In XX/XX/XXXX, XXXX and I had a falling out while he was changing medications and we separated. XXXX changed his address out of state. All of the house paperwork went to his new address with my name on it. 

During this time, XXXX changed the address with the post office and I did not approve of this, as he granted me VA Power of Attorney. Our mail started to disappear. We lost several checks, credit and debit cards. 

I filed an Inspector General complain with the USPS Number XXXX. I never signed certified mail for a foreclosure and was never referred to a hud counselor. I thought that we were in a modification agreement. When there was a notice put on my door for foreclosure, I attempted to call Quality Loan XXXX, the Trustee on the loan and XXXX XXXX to inform them I needed to speak to a counselor. XXXX XXXX gave me an option to bring the loan current on XXXX hour in the amount of {$49000.00}. I contacted Quality Loan and let them know I had not spoken with a counselor and was told to call back to speak with the legal department. The legal department said they were not the attorney and asked me to call the attorney several times moments before the sale. I was able to communicate via TTY relay service to Attorney Goulding. He could not remember his Bar number, was not aware of anything in our file and had not reviewed any of the paperwork personally. He is not licensed to practice law in the State of Nevada, where the home is.

There should have been a guarantee on the loan of {$62000.00} by the VA but the home was still foreclosed on by Quality at XXXX, XX/XX/XXXX. 

There is mail theft involved and mortgage fraud. Further details, notes and tty transcripts are available. 

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 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-01
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: Self Financial Inc. (CT)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-12-15
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. (IL)

This is a written request that you investigate specific items that I believe to be reported in error. These items are not correct and are causing me financial and emotional distress because of their derogative nature. I have no contracts with this company, and did not agree to pay any money to them.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

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 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 2023-07-16
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: Self Financial Inc. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name Selfinc/Lend Account # XXXX Loan # XXXX ) has violated several of my rights. 

15 U.S.C. 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-07-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Maximus Federal Services, Inc. (AZ)

My issue is with them with holding my official transcripts. 
My account has already gone to collections. 
I owed XXXX personally on top of my student loads and they are with holding my offical transcript from XXXX. 

I paid up until XXXX and I can't afford to pay any longer. 

I know that a law XXXX XXXX and won. 
I just want my transcripts and my student loans reduced. 

I asked for reduction twice in XXXX and was told I could no longer have XXXX by the finacial aid department. I don't have names or phone numbers anymore and I'm no long able to access my email account with XXXX even though we were told as XXXX 's that we would still have access. We I tried contacting IT back in XXXX I was told they could no longer XXXX me access to my account even though I was an XXXX. 

That is not what was told to me by counceler when I tried to contact them they were fired. 

Again I just want my transcripts and a reduction of student loan fees. 

Its bad enough that I have NOW been defrauded by XXXX colleges, XXXX, XXXX XXXX and Now XXXX. My loans should be wiped but its NOT. 

Only XXXX college was ligit and that was XXXX XXXX XXXX. 

That really is a shame but then again I'm XXXX and the SCOUTS no longer care about that.
Consumer complaint received 2023-07-16
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: Convergent Resources, Inc. (IL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which makes this unfair practices
Consumer complaint received 2023-07-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HUNTINGTON NATIONAL BANK, THE (LA)

SCAM I was sent a fake check and did a wire transfer to a scammers account. One hour after I realized the check was fake and contacted my bank to recall the wire transfer. They did not and froze all of my account. The receiving bank was also notified shortly after and they released the funds from the wire transfer to the scammer.
Consumer complaint received 2023-11-06
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: ENOVA INTERNATIONAL, INC. (FL)

The company never provided any statements or information about my loan and I had no idea what was going on. I was never provided statements once I went into repayment in XXXX. I had no idea I was even in repayment or had a payment due. 

XXXX XXXX requires them to provide me statements and they failed to do so.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (IL)

I received several alerts this morning regarding my credit report. I have a significant decrease in my score... XXXX points decrease ... .why??? The ONLY change was XXXX adding an account to my report.. I NEVER ONCE asked XXXX to add another account or card and then to my report another card! In fact when I saw this upon logging in the XXXX I contacted support right away. I have my emails. I want my account fixed ASAP. I am in the process of underwriting. This is not at all acceptable. Companies should not get by doing this, charging me to help my score and as the attached proves it's actually hurting my score. I expect this to be fixed it ASAP. I don't want one of their emails with it's only temporary or not to pay attention to XXXX XXXX etc ... Because that's what I get back from customer service.
Consumer complaint received 2023-05-27
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. (OH)

HI 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 2018-10-07
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. (CA)

XXXX  XXXX XXXX, ACCOUNT XXXX RECENTLY APPEARED ON MY EXPERIAN AND XXXX  CREDIT REPORTS. 
I disputed the account with Experian as not mine and it was " verified '' within 2 days. 
During this time, the account appeared on XXXX as well.The account is not mine. 
It says the original creditor is XXXX-XXXX XXXX.This is not my account.I did not live at the address they say when I was delinquent.It is either an error or belongs to someone else whether or not someone used my ID, I HAVE NO IDEA!
Consumer complaint received 2018-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (CT)

On XX/XX/2018 @ XXXX, I made an ATM cash deposit into my TD Bank Checkings account in the amount of {$630.00}. At the end of my transaction a receipt was issused and it read " available '' balance {$630.00}. ( Please note the bank verifies each dollar deposited in the ATM and records it on my receipt ) Immediately I log into my bank mobile app to see the funds " available. '' From the same TD bank mobile app I transfer {$200.00} of the {$630.00} to my TD Credit Card to make a payment. At the end of that transaction, a confirmation number is given along with my new balance in my checking account, {$430.00}. 

Well the bank ends up hitting me with an overdraft fee of {$35.00} claiming the {$200.00} were not available at the time the bank decided to do the transaction. So I called TD bank and according to the bank rep he stated that the Cash deposits at ATMs after XXXX are actually " pending '' and not available. And, that if I went online I would be able to see that. Well that is not what is on my receipt from the ATM and also my checking account moved funds around as if the funds were available immediately after the ATM cash deposit. So why the fees?! Please know this has happen more than twice already and I was able to prove the bank reps wrong and they refunded the overdraft fee. And for the record, Ive have always opted out of allowing any bank to let me charge something without the funds being available. I watch my account thoroughly and try my hardest not to pay these bank fees. I think its unfair the play of words the banks are knowingly using and because of it are actually stealing from their own customers. 

What is " available '' is available and not " pending. '' No where in my TD banking app or during the payment to another account did it showed me any signs of the funds being unavailable but instead transferred " successfully. '' This needs to be addressed. If there is a law protecting this, it needs to be changed. Taking from people when there was no real reason by the customer to be hit with a fee is a criminal act and no law should protect it. How many hard-working Americans who don't read the fine print or don't have the time to look deep into these unjust fees are being robbed daily? And how much of this unjust money is being put into these bankers pockets needs to stop. Another unfair act is that my " courtesy '' was used up on behalf of TD Bank 's mistakes. If I ever make a mathematical error or irresponsibly swipe my card, than by all means I would like to use my one and only " courtesy '' on my own mistake and not the banks. I will sound the alarm!! I will be heard. Please someone from my bank, someone other than a local branch manger, get back to me in a timely fashion. 

Thank You, XXXX. XXXX
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX last XXXX XXXX  Whom It May Concern : I received a copy of my credit report. To my surprise, you are orting this account incorrectly. 
This collection account is orting not only as OPEN, but also shows a past due balance According to the FCRA, I have the right to an rate credit report. Please remove this account immediately m my credit report. Please provide me a copy of my new dit report reflecting this account removed upon completion. 
sincerely, XXXX XXXX XXXXXXXX XXXX XXXX  Last reported XX/XX/XXXX {$8200.00} Open balance XXXXXXXX XXXX XXXX Original creditor Report info XXXX XXXX Last reported XX/XX/XXXX {$5800.00} Open balance XXXX XXXX XXXX XXXXXXXX Original creditor XXXX XXXX Last reported XX/XX/XXXX {$3800.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX Last reported XX/XX/XXXX {$950.00} Open balance XXXX XXXX XXXX  Original creditor
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I did not authorize the following inquiries : XXXX XXXX XXXXXXXX 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 2023-05-27
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. (LA)

XXXX XXXX XXXX XXXX account XXXX XXXX opened XX/XX/2022 balance XXXXThis accounts is not mines and is being falsely and fraudulently reported as opened with a XXXX balance no payment history I have never had an account with this company or signed a contract with this company I have called and disputed this information this account and a proper investigation was not done. This account is not on any of my other credit report such as XXXX and XXXX which is in violation of usc 1681 complete and accurate and consistent information Violation of 15 usc 1681i 6 ( b ) ( iii ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( 7 ) Description of reinvestigation procedure. -- A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ invalidated credit information. Please remove immediately.
Consumer complaint received 2023-01-26
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is the second time that I discovered that some of the information on my credit report was incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2020-12-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Synovus Bank (ID)

I put {$200.00} on a First Progress card. I made 2 purchases and paid them both. Two {$35.00} charges was on my bill and I disputed both charges. I was charged 3 late charges which I was not late on any bill. I was told I would get a refund for the disputed charges and the late fees. I have talked to this company a number of times to no avail. I dont know what else to do to get my money back. I put {$200.00} on this card, was charged an annual fee and Im trying to get the rest of my money back.
Consumer complaint received 2024-03-25
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. (PA)

I obtained a copy of my consumer report on the date of that is reporting numerous inaccurate negative accounts. This has not only damaged my right to extend credit but it has made me lose hope and trust within the banking system. I have been denied for credit cards and home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that your company ASSUMED this VITAL role pursuant to 15 USC 1681 ( a ) ( 3 ). Also, your company failed to be fair and respect my right to privacy according to 15 USC 1681 ( a ) ( 4 ). I am requesting valid proof and documentation that these negative items where investigated fairly and properly. Also please provide me with the system and details your company uses to determine if transactions took place or not. Your company is in violation of several federal laws including the responsibility you have to protect my privacy. 
I am giving your company the opportunity to make this matter right by way of the following : REMOVE ACCOUNTS REMOVE STUDENT LOAN ACCOUNTS REMOVE LATE PAYMENTS REOVE INQUIRIES
Consumer complaint received 2023-03-04
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. (FL)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2018-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MA)

I HAVE BEEN TRYING TO FILE A DISPUTE WITH EQUIFAX AND IT IS ASKING FOR A 10 DIGIT CONFIRMATION CODE BUT THERE IS NO WAY OF GETTING THIS CODE. iT SEEMS THAT THERE IS ALWAYS SOMETHING THAT PREVENTS A PERSON FORM ACTUALLY BEING ABLE TO GET ANY INFORMATION FOR THE CREDIT BUREAUS.