davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Payment status is showing up incorrectly. Payment was made during the company 's system failing. Conformation was sent that payment was received. The company 's system never processed the payment due to the new system having issues, allowing the system to crash repeatedly over a 2 week span.
Consumer complaint received 2020-02-28
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: EQUIFAX, INC. (NJ)

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the equifax data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid.
Consumer complaint received 2022-10-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (CO)

I had to contact XXXX because my account was on hold and I needed to transfer funds. The rep I spoke to instructed me to call him back so he could remove the hold. I did so once the money was in my bank account. 

He instructed me to initiate another dummy transfer to reactivate my account. After transferring the money, he cut the line. I called back but the line was no longer active. 

I immediately called my bank and they could not cancel the transaction. I lost {$3800.00}
Consumer complaint received 2020-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TX)

Pro Collect XX/XX/XXXX- convinced me I had a debt of $ XXXX. 
My wife had paid the debt via a money order to original company- XXXX XXXX XXXX , back in XX/XX/XXXX/XX/XX/XXXX. 
I contacted XXXX XXXX and got the {$0.00} balance due invoice receipt from the companies old ledgers, with an email from the general manager of the company stating there no outstanding debt, nor was there any transferred or charged off. 
I sent this to Pro Collect in an effort to get the $ XXXX back. 
The Manager, immediately said how wrong I interpreted the ledger, in an email, despite having the manager from the company send an accompanying email with the ledger verifying there was no outstanding debt. 
As of XX/XX/XXXX Pro collect refuses to give me a receipt for the payment that has now been collected on twice. 
I have also learned that Pro Collect was sent a cease and desist letter in regards to this before they collected again from me years later. Also that they have also failed to adhere to that letter.
Consumer complaint received 2019-01-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SECURITY FINANCE CORP (OK)

my father has a loan with XXXX XXXX in XXXX okla. he listed me as a reference.. my father has already started the process of bankruptcy and has already made pymnt to attorney for retainer. this company continues to call and harass him and now calls me once a week even though contact has already been made with me several times.. i told the store manager today to stop calling me and she was rude to me telling me he put me as a reference and she has the right to call me when i told her to stop calling me and that she knows he is filing bankruptcy and to continue to call me is harassment she told me that it was not harassment to call me every 10 days i then told her not to call me again and hung up on her.. this company is known for harassing customers and their family for payment.
Consumer complaint received 2022-10-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

Unfortunately my mortgage loan was transferred to Specialized Portfolio Servicing several months ago. My online mortgage statement has been incorrect ever since my mortgage was transferred to them and it is still incorrect. I don't know if they are incompetent, or just dishonest. I have never missed a monthly payment with them, nor with the previous mortgage company, and my bank statements are evidence of this fact. My current statement claims that I did not make a payment for the month of XX/XX/22 and this is not true. 
SPS received the payment. The XXXX payment is scheduled for XX/XX/22. In addition, there is an overage in my account for several XXXX XXXX  which they claim they can not send me because my account is overdue. My account is NOT OVERDUE. ALL PAYMENTS HAVE BEEN MADE. They know this and I have the evidence to prove it. I am getting really tired of the games this company plays every single month.
Consumer complaint received 2019-01-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (MA)

My mortgage switched mortgage servicers. Previously I had your standard mortgage due on the first of the month with the 15 day grace period which wasn't great but doable with my income schedule. Now that the mortgage servicer has switched ; they charge me to make a payment online on their website, and they also charge me late fees after only a couple days from the XXXX of the month. So, I went from always being current on my mortgage to always being late and charged fees on a monthly basis. I never would have agreed to a mortgage with such terms and I had/have no control over my mortgage being sold to a different servicer that implements such terms. This is creating unnecessary financial hardship for me as I have two mortgages that were sold to this servicer.
Consumer complaint received 2023-03-14
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. (CA)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions.
Consumer complaint received 2020-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION (AZ)

Lost card for 48 hours didn't realize it and it was used by someone else. Reported to credit union and they said that debt was valid. Fraud can't be valid but credit union reported negative to credit bureau on my report.
Consumer complaint received 2024-03-15
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. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, and so on.
Consumer complaint received 2023-03-14
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. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$1200.00} XX/XX/XXXX XXXX  XXXX XXXX {$1000.00} XX/XX/XXXX XXXX  XXXX {$5100.00} XX/XX/XXXX XXXX  XXXX {$3600.00} XX/XX/XXXXXXXX XXXX XXXX  XXXX {$780.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX NA XXXX {$1800.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$890.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX {$140000.00}
Consumer complaint received 2023-03-14
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. (AR)

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

I have not issued any written consent or instructions for this to be listed on my consumer report.
Consumer complaint received 2023-03-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that were recently found on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). These items are as follows : XXXX Date of inquiry : XX/XX/XXXX I do not recall authorizing this inquiry, and I am concerned that it may be fraudulent. As such, I am requesting that it be removed from my credit report immediately. 

XXXX  Date of inquiry : XX/XX/XXXX Similarly, I do not remember authorizing this inquiry, and I am worried that it may be fraudulent. Therefore, I am requesting that it be removed from my credit report immediately. 

XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX I do not recall authorizing this inquiry either, and I am concerned that it may be fraudulent. I am requesting that it be removed from my credit report immediately. 

XXXX XXXX  Account Number : XXXX I am questioning the validity of this account 's name and number. I request that you either clarify this information for me or delete the account immediately from my credit report. 

Under FCRA Section 611 ( a ) ( 1 ) ( A ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or outdated. I believe that these negative items are impacting my credit score unfairly, and I hope that you will take the appropriate action to remove them as soon as possible. 

I kindly request that you investigate these items and remove them from my credit report if they are found to be inaccurate or fraudulent. I also request that you provide me with a written explanation of the results of your investigation, as required by FCRA Section 611 ( b ) ( 2 ).

Thank you for your prompt attention to this matter. Please contact me if you require any further information or clarification. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have never applied nor perform services or business with XXXX XXXX yet there is an inquiry all three credit reports .I am asking for a signed copy of the application along with a copy of my drivers license and immediate removal of these inquiries dated XX/XX/2022
Consumer complaint received 2022-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (PA)

Below are the dates and details of interactions with customer service representatives at Aidvantage From XXXX to XX/XX/XXXX. 

XX/XX/XXXX Called Aidvantage early that morning to request a refund of payments made from XX/XX/XXXX to XX/XX/XXXX. The customer service rep confirmed they submitted a request for refund on payments. They gave a time frame of 6 - 8 weeks to receive the refund and that the account balance would reflect once the refund was received. The process was easy but felt rushed to be off the phone. 

XXXX Called to check the status and confirm refund amount and time frame. The rep was very kind and thorough. This rep did not see that any refund request was submitted, and said that the previous rep never submitted anything. They apologized profusely and then told me the refund amount. They said they first had to submit a " refund amount approval '' that could take until XX/XX/XXXX. They went on to explain this was likely to happen even sooner and that in another 4 to 6 days, they would begin processing the refund, from there it would take another 6 - 8 weeks to receive any funds from the Treasury and the account balance would update in the next 30 days. This information was conflicting from the last rep but they didnt even submit my refund request so didnt question it. 

The weeks following XXXX up to XX/XX/XXXX I checked my account balance with Aidvantage and XXXX often ( at least one to three times a week ). There were no updates or movement on any of my accounts. 

XX/XX/XXXX Spoke with a very friendly rep that confirmed the amount was approved on XX/XX/XXXX and still processing, nothing was sent to the Treasury. They said my account wouldnt update until they heard from the Department of Education and that wait times were quite high. They gave a new time frame of XXXX - XXXX weeks. Again, some conflicting information and very frustrating. 

XX/XX/XXXX Checked in on the status by calling in. The rep seemed the most informative so far and was understanding of my frustrations. They that said my refund amount was approved in XXXX and the new timeline is 10 to 14 weeks. The also said my Aidvantage account balance would update before I would receive anything from the Treasury which they were waiting to hear back from. 

Most of the reps were helpful, kind and understanding but after the initial lie about submitting a refund request and then on-going conflicting information about the status of my request and the timelines, my confidence that any of this information is accurate or that a refund will be processed is completely broken. Im especially concerned that if the requested refund is not processed soon, that I could be responsible for paying interest on loans that I never even let accrue any interest, all because of Aidvantages mishandling and incompetence.
Consumer complaint received 2022-09-12
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (CA)

On XX/XX/2021 someone tried to open a credit card under my name at 'Nordstrom Card Services XXXX. I have informed the company to not to open ac account under my name as I am victim of ID theft.
Consumer complaint received 2022-10-26
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: Experian Information Solutions Inc. (NY)

My credit score remains at the same or lower number, and will not go any higher than XXXX no matter how long l follow the designated rules. Please can you help me find out why this is happening?
Consumer complaint received 2023-06-13
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. (SC)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$470.00}, XXXX XXXX XXXX Balance : {$12000.00}
Consumer complaint received 2023-07-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery Associates ( PRA ) violated the early-warning notice clause FACTA section 623 ( A ) ( 7 ). 

This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. 

I will explore all legal options if this item is not removed with 15 days of receipt of this complaint. 

I was XXXX  in Federal Prison from XX/XX/XXXX & released XX/XX/XXXX. 

My address during my XXXX  was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX Moreover, received mail from : U.SXXXX Department of Justice United States Marshals Service Prisoner Operations Division Washington , DC XXXX XX/XX/XXXX, U.S. Department of Justice, United States Marshals Service mailed letter to me stating that my personal information may have been compromised On XX/XX/XXXX, the United States Marshals Service ( USMS ) , XXXXnformation Technology Division ( ITD ) received notification from the Department of Justice, Security Operations Center ( JSOC ) of a security breach affecting a public-facing USMS server that houses information pertaining to current and former USMS prisoners. This letter confirms that when the breach was discovered XXXX I was incarcerated until my release on XXXX. 

I never received any mail from PRA at my address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX. 

Attached is dated letter XX/XX/XXXX from the U.S. Department of Justice, United States Marshals Service, PrisonerOperationsDivision Washington , DC XXXX Attached also in my release document from XXXX XXXX XXXX XXXX Would like PRA to provide copy of letter that was sent to my address : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CO)

I've tried several times to get my credit report from all of the credit bureaus. However, they then ask me for copies of social security and driver license. I've sent them XXXX different times. Still over XXXX years have not got them. I'm not sure what else to do. I've tried to do it on line but each time denied. I had to report identity theft since 2016. Reported to federal trade commission. Don't know if that has anything to do with it. Would appreciate any help.
Consumer complaint received 2022-10-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Lennar Financial Services, LLC (FL)

Thank you for taking the time to review my complaint against the builder of our home, XXXX XXXX, a subsidiary of XXXX XXXX XXXX, as well as Lennar Mortgage. This is our third new build and have never experienced the level of negligence, inattentiveness, and overall incompetence that Lennar has exhibited.

We purchased our home for {$460000.00} which was approximately XXXX XXXXXXXX over asking price and were forced by Lennar to close on the house on XX/XX/26 or else Lennar mortgage was going to extort more money out of us to keep the rate locked. They already did it once prior by delaying our close and making us pay to extend the rate for the XX/XX/26 closing. In addition, they scheduled the walk-through only minutes before closing, forcing me to rush through or risk miss closing. As a result, there were items that I had to follow up on incessantly to get addressed after closing. Nonetheless, it is now exactly two months later and we havent received our shower enclosure, nor any date for its delivery. This is only one facet of the XXXX Lennar has put us and many others in our neighborhood through. Nonetheless, we just want a complete home or, at a minimum, proactive communications from them as to a date for an install. Also, whoever issues the local certificates of occupancy should be investigated as there is clearly either a break in the system or there have been bribes/payoffs from Lennar. Theyve delivered countless incomplete homes that range from highly inconvenient to 'hazardous-to -- occupy '. Ours was latter until approximately 45 days after close. 

Needless to say, their ( in ) actions continue to result in emotional distress to both my wife and I. We appreciate anything you can do to help bring resolution to this matter. 

Regards, XXXX XXXX
Consumer complaint received 2022-09-12
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. (MA)

So i sent a letter off on XXXX XXXX. Here is my tracking numbers : Equifax : XXXX XXXX : XXXX XXXX  : XXXX To remove personal information that I don't not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. These are clear violations of my federally protected consumer rights.
Consumer complaint received 2019-12-03
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: I.Q. DATA INTERNATIONAL, INC. (CO)

IQ Data international is reporting bogus apartment debt. The account # is XXXX. I requested IQ Data to itemize the bogus debt and they just responded with a form letter restating the bogus balance. You can not just make up charges. 

I requested detailed account of what they say is due and they have provided nothing. Not a contract, not pictures of damages, no timeline of rental after ... nothing. I can tell you for certain I do not owe the amount they claim. I can not event begin to dispute until they itemize what they say is due. 

I need documentation of work performed, condition of apartment before and after, what did they do to advertise apartment if they can actually itemize anything