davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Business Bureau, Inc. (CA)

After finding these inaccurate items on my credit report and having never been contacted by this company or the original creditor as required under the law, I requested the information on the debts they say that I owe. They have failed to provide the actual invoices which these debts were incurred with. Despite the request and lack of response from them, they have confirmed to the Credit Reporting agencies that this debt is valid. These are medical bills for the most part. I have always had medical insurance and paid my deductibles. I am guessing that these amounts should have been written off by the medical providers according to their agreements with my insurance but are trying to collect in violation of their agreements with the insurance companies.
Consumer complaint received 2022-05-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life.
Consumer complaint received 2019-04-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: First Associates Loan Servicing LLC (OH)

From XX/XX/XXXX to XX/XX/XXXX I attended XXXX XXXX in XXXX, Ohio. The school has been shut down due to fraudulent behavior. First, I feel that my degree in, XXXX, XXXX XXXX XXXX is worth nothing to me since I didn't learn anything. Our professors/teachers gave us the answers to all of our exams. Everyone in our classes always passed. I am now stuck with huge student loans and am having troubles in the field, because of the lack education. I went to school for an education and did not receive. While I attended the school I was misled in the type education I was to receive and cost of schooling there. When I graduated in XX/XX/XXXX, I was informed of the total cost, this was not the same as I previously told by Reps of the School. I was misled with the information that was given to me at the time. I was not informed that any loans that were to be a private loan. I have {$3300.00} still with XXXX XXXX  at 17 % interest currently. Although I am current and I have been paying these loans, but I have been having trouble with the payments every month. A few months ago, I was called about a late payment that was not late. They can not prove to me that it was late because, as I was told, they shred all envelopes of payments. When I enquired about them writing off the late fee, I was told there was no late fee. Upon further enquiry, I was told they take the late fee out of payments before applying the payment. Furthermore, XXXX XXXX was forced close its doors for good by the Federal Government and there are many people in a similar situation as I. Forced repaying loans by a school that misled consumers like me. In XX/XX/XXXX I filed a XXXX XXXX claim with the U.S. Department of Education and it is still pending. Also, this has destroyed my credit because there are other things that I have not been able to pay because I have been trying to get rid of this loan. They also keep harassing me with phone calls about my payment. In my opinion these private loans should be connected with my XXXX XXXX claim because they are both coming from the same school. These loans should be forgiven because the school does no longer exist and the courts has awarded for any students attending this school for private loans and Education loans. Please help me with this situation of ending these private loans.
Consumer complaint received 2023-10-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (CO)

In XX/XX/2023 I was called by Mr cooper loan 's in regards to my loan payment status. I normally pay it on the XXXX of every month since I don't get paid on the first of the month and it can be somewhere within the first week or so when I do get paid. I do not have direct deposit so when I get paid it takes a day or two for the funds to become available. During this call they said it was their new policy to call you if you don't pay it by the XXXX of the month. I have a grace period until the XXXX and after the XXXX I get a late fee. I feel as this is standard. I asked if there was any way I didn't have to be called and told the story and I was told no, there was nothing I could do. I have never made a payment after the XXXX and never missed a payment in over a year and a half. During the first call I was asked if I was planning on buying another home or moving because I had " perfect payment history ''. This month I was called again. On XX/XX/2023 I missed the call that they sent and they left an automated voicemail asking if I was who has the loan and to press 1 for yes and 2 for no. The next day ( XX/XX/2023 ) i got another call that also went to voicemail because I was busy with my wedding that day. It was the XXXX so I knew I was paying it that day. I paid the monthly payment and then called back the number that was listed on the voicemail. Upon calling the number and entering the verification number that was in the voicemail I was notified that I was delinquent on my payment and that I had XXXX hours to clear it up. It then asked if I had paid it already or not. Next automated statement asked how much I paid. The whole time the system said in the call and in the voicemail that it was Mr. Cooper and that they are a debt collection company. It came up on my phone as Mr. Cooper loans. I think it is very predatory to do this when you have a grace period and tell whoever that they need to pay or else. This is not right especially since my loan was bought out from my other lender. I didn't go searching for this company and I didn't have a say in if my loan was sold or not. Based off the reviews online this is not the first time the loan holders have been taken advantage of by Mr. Cooper/ Nationstar. I shouldn't feel like I'm a criminal and a terrible loan holder for using the grace period that every other loan company gives. I am thinking about getting lawyers involved due to the predatory tactics and harrassment. I feel as if I am stuck with where the interest rates are now. I have a mid two percent interest rate and I could not get that anywhere else
Consumer complaint received 2019-03-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY (DE)

XX/XX/2018 there were two unauthorized wire transfers from our account. The first one was for XXXX and the second one was for XXXX.going to the same person in Arizona that XXXX have never heard of or done any transactions with previously. I reported TD bank and they said they will investigate and would contact XXXX XXXX XXXX ( thief 's bank ) to investigate. They took a week and then told me that because the transfer came from my computer that there is nothing they can do. I didn't authorize any transfer so even if my computer had malware or whatever they claim I didn't authorize it and want them to proceed with recovering the money. They said there is no recourse for this and that I am out the money with no appeal or recourse. I don't believe that my computer was where the transfer came from and even somehow they hacked my computer and transferred the money I am still stating that this was unauthorized and would expect them to take action. the thief who did this gets away scot-free and does it again because the bank did nothing. They seemed to shift the lilbility to my computer because then they would not be responsible for their allowing this transfer to happen. They never even contacted the thief bank account holder to see if why they had an explanation for them receiving the transfer.
Consumer complaint received 2017-07-27
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Recovery Systems (GA)

I 'm filing a complaint against Midwest Recovery System about a debt I do not owe neither do I have contract with which is illegal and which the debt they claim I owed to XXXX XXXX XXXX. They are in violation of FCRA and I would love this collections account be deleted from XXXX, XXXX, and XXXX for the amount of {$470.00} thats not mine. I would like to be Compensated for the Embarrassment as well
Consumer complaint received 2024-03-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Specialized Loan Servicing Holdings LLC (FL)

I was behind on my mortgage due to financial hardship. I applied without SLS and was given a unemployment modification. Which began before my new job was to start even though I made them aware of the start date for my reemployment on XX/XX/2024 they started the trial payments with a payment being due XX/XX/2024. I put together money to pay that payment on a specific date the payment didnt go through because my bank didnt clear all the funds I called up sls we ran a payment on XX/XX/XXXX or thereabouts and set up the set the next two payments in the trial. For the XXXX of each month in XXXX the payment was debited on the XXXX before I was paid and returned they canceled my modification. I called back, spoke with an agent who was to escalate it to a manager to have the modification reinstated. I never heard anything back. They then subsequently debited my account several times, triggering negative balance, and the modification was not renewed. Ive been filed my first complaint with consumer protection bureau, on XX/XX/XXXX I spoke with sls assistance agent and the plan was to file an application with an updated income statement for consideration of a new modification and trial. On XXXX XXXX they debited my checking account again without my authorization which caused a negative balance, and my power bill was returned on payment. I called them up today and the lady was not helpful. Stated payments were not set up and did not give a reason for the continued attempts for them to debit my checking account. I am awaiting a manager call back for today which has not happened I was told it would be within an hour and I still have not heard back, but this has caused significant damage with return fees on their part, my bank and other creditors, such as XXXX because of these on authorized trans ions. I feel they are not sincere with their attempts with the hardship assistanceloan I requested to consumer protection financial Bureau look into this matter, and assist me with these unfair and deceptive trade practices that they demonstrate with these type of actions. This has made it very difficult for me to get caught up with my financial situation and mortgages. They are now notifying me that my loan is in default and have began foreclosure proceedings. I was told to write a letter and submit another application but again this is causing several dominoes when they randomly continue to debit my account and cause other payment returns and additional fees please assist advise on this matter.
Consumer complaint received 2022-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (NC)

I paid off the amount from Santander consumer in full in XXXX XXXX XXXX. I checked today to make sure everything was okay and then I see that it says that I missed a payment and owe XXXX dollars which is false information. I do not owe any money to them and confirmed with them that everything was paid off. This is false information and dropped my credit score for absolutely no reason. They are refusing to help me.
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I reviewed my credit report and noticed the following issues on my credit report : XXXX  XXXX XXXX THERE ARE SEVERAL INACCURACIES 1. The high balance IS INCONSISTENT WITH THE OTHER BUREAUS. The reporting information is supposed to be the same and accurate across all three bureaus please delete this account immediately!

2. The date opened is inconsistent with the other bureaus and is supposed to be accurate across all three bureaus please delete this account immediately!

3. The last payment date is inconsistent with all three bureaus and it's supposed to be accurate across the three bureaus please delete this account immediately!

4. The account type is inconsistent across all three bureaus and is supposed to be accurate across all three bureaus. Please delete this account immediately!

5. The credit limit is not reporting the correct information and should be reporting accurately across all three bureaus. Please delete this account immediately! 

Please investigate and provide proof on how this account was verified. and delete this account immediately.
Consumer complaint received 2022-05-30
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. (MS)

accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account 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 2022-05-30
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. (MS)

accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account 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 2022-10-13
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-03-09
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. (GA)

XXXX XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXX XXXX XXXX is depriving my of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to TRANSUNION by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2022-05-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life.
Consumer complaint received 2022-05-30
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. (LA)

sent letters off to transunion, XXXX, and XXXX on XX/XX/2022, and XX/XX/2022 and have not received a response. I also understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. its been over 60 days and still no response. 






XXXX. Validate Account XXXX Account Number : Please remove this inaccurate information from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : Please correct/update this inaccurate information on my credit report. 

XXXX. Validate Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXX  Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXXXXXX XXXX Account Number : Please remove this inaccurate information from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : Please remove this inaccurate information from my credit report. 

XXXX. Validate Account XXXX XXXXXXXX XXXX XXXX Account Number : Please remove this inaccurate information from my credit report.
Consumer complaint received 2022-05-30
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

I have sent my first dispute letter to you dated XX/XX/XXXX and last XX/XX/XXXX, I sent out a follow up complaint / dispute letter to you with reference no. XXXX. Under section 611A, you are legally obliged to respond to my dispute letter within 30 days. Up to this days, I received no updates from you which is ridiculous. This is in fact a clear violation and negligence on your part. Just so you know, I am keeping records of everything and should you continue to ignore my disputes, I am going to seek litigation for all the troubles youve caused me. I am trying to have these errors corrected for my family, but you seem to be not interested in helping me get this done. My information was impacted by the data breach and may have gotten into the hands of the wrong person and it's your obligation to fix all these errors.
Consumer complaint received 2022-05-30
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (TX)

XXXX XXXXCiti Bank . failed to send me statements via paper mail or electronic since I opened the account causing me damages in my credit history. I called many times and always games no resolution or help me to follow this issue. I opened the account mentioned but unfortunately that is the worst experience I ever had with this credit card. I will like your institution to start an investigation and go to the end since this issue was not follow properly and fairly. 
I really need your help and investigate why they failed and lied stated to me everything is corrected. I went to the USPS and also talked to a supervisor and they are stated not issue was found with my address. 
I already file a complaint with the XXXX  and other credit report companies XXXX, XXXX, XXXX and XXXX. 

Contact information XXXX XXXX XXXX/CBNA XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX AMOUNT : {$13.00} DATES : XX/XX/2022 FAILED TO SEND STATEMENTS CAUSING THIS ACCOUNT TO BE LATE AND REPORT AS NOT PAYMENT. 

NO STATEMENT PROVIDE BY THE COMPANY VIA PAPER MAIL OR ELECTRONIC.
Consumer complaint received 2022-12-18
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)

In accordance with 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.US Dept of Education Account XXXX XXXX XXXX XXXX Dept of Education Account XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, Account XXXX XXXX  Account Number XXXX, XXXX XXXX XXXXXXXX Account XXXX XXXX, Yes XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number 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 an account without my written instructions.

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 report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2021-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.