davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NY)

I repaid my Student Loan to XXXX XXXX XXXX in XX/XX/XXXX. I then applied to get my refund because of the CARES Act in XXXX. My Student Loans were reopened and sent to EdFinancial. I never received my Student Loan Refunds but EdFinancial has reopened my accounts and reapplied my entire balance of {$14000.00}. In XXXX of XXXX I called EdFinancial asking about the status of my refund and if they can remove the remaining balance as I had never gotten the refund. I still have not gotten my refund nor did I get my balance cleared as of XX/XX/XXXX. Student Loan repayments are scheduled to continue in XXXX which will result in interest accruing on a loan that I have already paid off.
Consumer complaint received 2015-09-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (PA)

Re : NEW COMPLAINT IN ADDITION TO COMPLAINT # : XXXX FILED ONXX/XX/2015 Lender : NATIONSTAR Mortgage LLC XXXX XXXX XXXX XXXX, TX XXXXThis is to inform CFPB that since XXXX XXXX, 2015 when I filed complaint ( number XXXX ), listing several concerns, Nationstar has continued to make unwarranted phones instead to responding to calls initiated by our attorneys, with whom it needs to work out a resolution of our loan modification. 

On XXXX XXXX, 2015, CFPB emailed us the following notice from Nationstar : '' Response : Please allow us additional time to further our review, currently we are waiting on an update from our Loss Mitigation Department. Once this completed we will update you with our resolution letter. Thank you. " Since the above dated response, Nationstar has " robo '' called our home on twelve times on the following dates ; their messages were retrieved from our home telephone : Sat., XX/XX/2015XX/XX/2015XX/XX/2015XX/XX/2015XX/XX/2015XX/XX/2015XX/XX/2015XX/XX/2015XX/XX/2015XX/XX/2015XX/XX/2015XX/XX/2015 - day we received your notice they needed additional review time. 

ACTION REQUESTED : They need to stop these blatantly unjustified calls at your direction.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-04-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Someone called me claiming to be from Bank of America fraud prevention and said that a credit line was open in my name and someone was using XXXX to transfer money out and that I needed to go to my XXXX XXXX linked to my XXXX XXXX to enter some codes to block these transfers. I called XXXX and disconnected XXXX  from my XXXX XXXX. The person calleing and claiming to represent BOA kept calling back from the phone number : ( XXXX ) XXXX. They said I needed to call XXXX at : XXXX. 

I reported the case to the FTC as possible identity theft. The FTC identity theft case # is : XXXX
Consumer complaint received 2023-07-08
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. (NJ)

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I contacted All XXXX credit bureaus about the inaccurate information on my credit report numerous times over the past year. I contacted consumer finance bureau and I finally contacted Federal Trade Commission to dispute the validity of these accounts. I am a victim of identity theft as to these accounts do not belong to me and I have no acknowledgment of. These inaccuracies have been haunting me for the past decade please delete indefinitely because it is the law. I should not have inaccurate items on my credit report.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Accounts were removed from XXXX but remain on Equifax and/or XXXX. 
Account XXXX : Removed from XXXX on or around XX/XX/2024 but remains on Equifax and XXXX. 
Account XXXX : Removed from XXXX and XXXX on or around XX/XX/2024 but remains on Equifax. 
Account XXXX : Removed from XXXX and XXXX on or around XX/XX/2024 but remains on Equifax. 
Account XXXX : Removed from XXXX but remains on Equifax and XXXX.
Consumer complaint received 2023-09-12
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

I have disputed the late payment for XX/XX/XXXX and XX/XX/XXXX. These XXXX payments were Initiated before the due dates but posted late due to XXXX delays. Capital One failed to correct the errors after my dispute. The incorrect payments should be removed from my credit reports.
Consumer complaint received 2023-07-08
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.
Consumer complaint received 2023-12-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (KS)

A fraudulent website was set up to purchase goods. I have reached out to the seller of those goods by email and by phone and all forms of communication are disconnected. As a result, I filed a dispute with PayPal in order to receive a refund for lack of goods and services being delivered. PayPal withdrew the money from my account but refuses to refund it, saying the transaction was a cash transaction. As I have shown PayPal through documentation, the transaction was not a cash transaction and was for an electronic purchase of goods. Apparently the scammer set up the website to show it as a XXXX purchase once the item was purchased. This was not what was listed on the website but is how it was transacted through PayPal. This should be refunded and protected under PayPals purchase protection. I have contacted them no less than 5 times to work through their dispute service and have requested multiple times for documentation as to why it is being denied and it simply states being denied because it does not qualify for purchaser protection. 

Today on XXXX, I spoke with a manager at PayPal who is now saying the purchase was denied because it was alcohol and thats not covered with their protection. So I attached the list of prohibited items which does not include alcohol. This is also the only individual that has stated that its not protected, the previous 4 people I spoke with said nothing about that, which you can see in their responses. I am requesting a formal response on XX/XX/27 as to why it is not being honored. The employee I spoke with was XXXX with identification XXXX
Consumer complaint received 2022-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 48 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2022-12-09
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. (GA)

According to the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I am fully aware of my protection and what these laws mean fully. The accounts are listed below as follows : XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX. XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) # XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX 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 : States that a consumer reporting agency can not furnish an account without my written instruction, which I have not given Equifax ANY written consent to furnish anything about myself on my consumer report. 

15 U.S.C 1681c ( 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 records of convictions of crimes which antedates the reports by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-30
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. (PA)

I am giving authorization to this company to respond to this cfpb complaint. I have requested that this company cease the reporting of the account stated in the attached dispute letter due to federal violations. Pursuant to the IRS Publication 4681 any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. However, this company did NOT honor my request for removal. This violates the Fair Credit Reporting Act and both this company and the consumer reporting agencies are participating in this violation. Additionally, as a financial institution, they did not disclose to me my right to opt out of the disclosure of my nonpublic information or directions on how to exercise my right to opt out as dictated by law. I sent them a letter notifying them of my request to be opted out of my nonpublic information being furnished to consumer reporting agencies pursuant to 15 U.S. Code 6802 and 16 CFR 313.7 in which they have denied my right. Instead, they stated that they do not offer their customers the option to opt out which is a direct violation of federal law ( s ) as they are REQUIRED to give opt out disclosures. As a federally protected consumer I am now revoking any and all authorization that I, the consumer, may have given them written, non written, verbal, and nonverbal per 5 U.S. Code 552a and I am demanding that my nonpublic information cease to be furnished. If this matter does not get settled, I will pursue litigation for damages.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-04-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (NY)

I am writing to file a formal complaint against Cavalry Portfolio Services , LLC, a company that has been attempting to collect a debt of {$2900.00} from me without the requisite licensing and bonding required by the State of New York. This unauthorized activity has not only violated state and federal regulations but has also caused me considerable personal and financial hardship. 

Complaint Details : Unlicensed Debt Collection : Cavalry Portfolio Services , LLC does not possess the necessary license to collect debts in New York, as mandated by state law. Their continued efforts to collect debts without this requisite licensing constitute a direct violation of New York State law and the Fair Debt Collection Practices Act ( FDCPA ). 
Impact on Credit and Personal Distress : The company has reported this debt to credit bureaus, negatively affecting my credit score and causing significant emotional and financial distress. This has led to numerous encumbrances in my personal and financial life. 
Non-Compliance and Lack of Response : In response to my inquiries and demands for debt validation, Cavalry Portfolio Services has failed to provide any proof of their authorization to collect debts or the legitimacy of the debt itself, which further suggests non-compliance with the FDCPA.
Consumer complaint received 2023-09-12
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (MD)

There were XXXX transactions totaling {$2400.00} on my account between XX/XX/XXXX and XX/XX/XXXX, using XXXX, XXXX, and XXXX. 

As soon as I found out those transactions I notified to the bank immediately and closed the card sent me a new one. 

After 2 month they denied my dispute. 

First the bank didnt notified me when they see all that crazy transaction, that called unusual transactions. 

Secondly, they let the fraudulent to use the account over the limit. Who does that? 

Third they messed up my credit for over usages.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (OH)

Somebody fraudulent used my information to take out a loan with multiple companies without my consent. Its also multiple fraudulent inquiries on my credit report that I did not authorize. 

XXXX Last reported XX/XX/XXXX {$2900.00} Reported balance Highest balance {$3900.00} XXXX Last reported XX/XX/XXXX {$370.00} Reported balance Highest balance {$670.00} XXXX  Last reported XX/XX/XXXX {$140.00} Reported balance Highest balance {$270.00} XXXX XXXX Balance XXXX $ US XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX,
Consumer complaint received 2024-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: Shellpoint Partners, LLC (TX)

Trying to sell my house underwriting company requested recorded documents from my mortgage company proving their ownership of the debt on my house. We requested this XX/XX/XXXX. Closing date was XX/XX/XXXX to this day we have not received it after calling them on at least 10 occasions. We been promised that we would be contacted but no response yet. Shellpoint inc. has not responded yet.
Consumer complaint received 2022-11-25
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. (FL)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX 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 XXXX XXXX  XXXX, have 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 an account without my written instructions.
Consumer complaint received 2022-11-25
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. (FL)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXXXXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, have 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 an account without my written instructions.