davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-31
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: TRANSWORLD SYSTEMS INC (MD)

On XX/XX/2019 I submitted a dispute on a medical bill acc # XXXX with your company which came back as verified on XX/XX/2019 via mail. This can not have been investigated properly because I also disputed this with the creditor ( TRANSWORLD SYS INC ) in witch they responded on XX/XX/2019 with the cftp stating that this account would be removed from all three credit bureaus SEE ATTACH LETTER FOR PROOF FOR DELETION. ALSO I ATTACHED A COPY OF THE VERIFICATION LETTER THAT YOUR COMPANY SENT ME 0N XX/XX/2019. REMOVE THIS FALSE ACCOUNT IMMEDIATELY FROM MY REPORT AS I HAVE ATTACHED THE PROOF THAT THIS ACCOUNT DOES NOT BELONG TO ME! FAILURE TO DO SO WILL RESULT IN A LAWSUIT AGAINST ALL PARTY 'S INVOLVED. SEE ATTACHED DOCUMENTS
Consumer complaint received 2022-06-01
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: I.C. System, Inc. (KY)

In accordance with the Fair Credit Reporting act, account XXXX, I.C system inc, has violated my rights. 15 U.S.C section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604 A section XXXX : It also states a consumer reporting agency can not furnish an account without my written Instructions
Consumer complaint received 2021-06-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NE)

A lady called me on XX/XX/2021. I had to repeatedly ask who she was, and why she was calling. She was very evasive, and said its a business matter. She didnt disclose it was a recorded phone call, until several minutes into the call, not at the beginning. I want them to immediately cease all contact with me by mail, phone, email or in person.
Consumer complaint received 2020-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

This bank repeatedly and regularly declines transactions that I have funds in the account to cover, removes said funds from my account anyway as a pending charge that you cant dispute until it posts, which it never does because they declined it immediately, and then wont put the funds back in the account for an irregular and sometimes indefinite amount of time. Every time i call about it Im told tomorrow and then tomorrow comes but the money doesnt. This has happened 3x ( usually 2 or 3 pending charges each for a purchase that I was only trying to make once ) in the last 3 months with 3 different vendors and usaa keeps trying to tell me the problem is with everyones system but theirs.
Consumer complaint received 2021-06-03
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. (IL)

I check my XXXX XXXX  report and on my trans union report it showed that my XXXX lon account was removed from the report. I just recently opened a loan and my payments are in time and up to date, the XXXX XXXX  representative advised me to file a complaint here.
Consumer complaint received 2019-12-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (MA)

I have been in Loss Mitigation with Flagstar bank since XX/XX/XXXX. Since XX/XX/XXXX they have asked for a copy of the HUD 1 to be sent to them. The document has been faxed to them at least a dozen times and each time they say they have not received it. I have uploaded the HUD 1 directly to my account to make sure they have received it including again a few minutes ago. Its the only document that is missing from the file per XXXX a supervisor I spoke with tonight around XXXX. 



She stated that on XX/XX/XXXX they closed the case again for that one document that has been sent over and over and over again. I have a buyer that offered {$350000.00} on the home that I owe {$350000.00} on if he walks because of this incompetence I will have no choice but to do a deed in leiu of foreclosure. 



I have tried to do my best but I am a XXXX XXXX  XXXX ( 25 years of service ) that was in a serious on duty cruiser crash on XX/XX/XXXX, my injuries were so severe that I can never be a XXXX  XXXX again. I am still awaiting approval of my XXXX   pension and the city is fighting me for it. They fired me on XX/XX/XXXX because of a XXXX contract clause while waiting for my pension to be approved which caused this loan to go into default. 



Can you Please Help! Its bad enough I have to fight the XXXX of XXXX XXXX. But I have no energy left to fight this bank! 

XXXX was fined by you in XXXX for XXXX XXXX dollars for the same issues I am having now, apparently they have not learned their lesson. 

I also attempted to send a email to XXXX XXXX who is a supervisor of the loss mitigation department in XXXX Florida at : XXXX. The email went thru on XX/XX/XXXX @ XXXX XXXX, but I still have not received a response back yet XXXX XXXX Thank You,
Consumer complaint received 2019-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX ; XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$24000.00} on XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and needs to report a {$0.00} balance. I have attached a copy of the settlement letter dated XX/XX/2019 from XXXX. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-06-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (MO)

1. XXXX provided emergency medical services to me on or about XX/XX/XXXX at XXXX XXXX XXXX in XXXX, Illinois. 
2. At the time of services rendered, I was insured by a healthcare plan administered by XXXX XXXX XXXX XXXX. 
3. I submitted his insurance information to XXXX XXXX XXXX via its patient portal on or about XX/XX/XXXX. 
4. XXXX never sent a bill to me for services rendered, nor did XXXX file a claim with XXXX XXXX , XXXX. 
5. XXXX, having access to my valid insurance information and in its failure to make a good faith attempt to file a claim with XXXX XXXX XXXX XXXX, placed a bill for the amount of {$970.00} for collection with HRRG on or about XX/XX/XXXX. 
6. In an attempt to collect a debt, XXXX and HRRG have refused to comply with requests to validate indebtedness by providing detailed information related to the services rendered by XXXX and its management of a claim with XXXX XXXX XXXX XXXX. 
7. The latest attempt to verify the debt occurred on or about XX/XX/XXXX, wherein I received a letter from HRRG which briefly and simply stated the debt had been validated with their client, providing no further detail. 
8. The acts of XXXX and HRRG as alleged above, were done and performed wantonly, willfully, and maliciously, in total disregard of my rights. 
9. The aforesaid actions of Defendants were in gross violation of the federal Fair Debt Collection Practices Act ( 15 U.S.C. 1692, et seq. ) 10. The aforesaid representations made by HRRG to me were fraudulent, in that XXXX never attempted to bill me for services, never attempted to file a claim under my healthcare plan administered by XXXX XXXX XXXX XXXX, HRRG and XXXX never made a good faith attempt to validate the alleged indebtedness even after they were informed of their error by me.
Consumer complaint received 2020-06-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MN)

At the beginning of 2020 I saw that my loan servicer Great Lakes Loan had abruptly ended my automatic loan payments. They said because it was the start of a new year. This has never happened before. I reapplied my auto payment tp see that the exact same thing happened after XXXX. The little progress I have been making has been undone because now 100 % of payments will now got to interest to pay off the nearly 1K I have in unpaid interest making it very difficult for me to pay off my loan.
Consumer complaint received 2019-12-31
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: ONEMAIN FINANCE CORPORATION (MD)

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : ONE MAIN Made on : XX/XX/2017 Made with : XXXX   To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity.

Given the amount of identity theft, I & # 39 ; m sure you & # 39 ; ll agree that verifying your information is in your best interest.Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Date XX/XX/2023 Amount {$710.00} Collection Agency ( XXXX  ) for ( XXXX  XXXX ) I paid this debt in full. I never got a reciept from the company, stating I paid in full, I had to call and ask for paid in full document. I consistenly asked XXXX  XXXX and XXXX to remove it off my credit report and its a cat and mouse were collection agency is saying XXXX XXXX has to do it and visversa. I'm getting nowhere please help.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

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 any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$980.00} 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 NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX Balance Owed : {$980.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX
Consumer complaint received 2020-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (DE)

I had taken out a 10 year mortgage with Quicken Loans. I was fortunate to pay down my loan quickly and use savings I have accumulated to pay the loan down in the month of XX/XX/XXXX to a principal amount to be satisfied with my final regular scheduled payment in XX/XX/XXXX. XX/XX/XXXX came and Quicken did not pull the final payment that was scheduled to be paid by automatic payment and they forced me to have a payoff statement printed when I called in to inquire why. They took my final payment over the phone but charged me {$25.00} for printing a payoff statement that was totally unnecessary. I believe this practice is in place to avoid Quicken sending numerous statements to 3rd party lenders to compensate them, but after getting a call each day asking about a refinance I think the fee is so they can pay folks to harass me as to my intentions with payoff the loan and solicit me for borrowing more $ circ 2000 's  companys pushing sub prime loans. Since I paid this loan off in the ordinary course of payment NOT REFINANCE why should I have to pay {$25.00} to allow Quicken to simply pull the regularly scheduled payments when due which have brought my loan to {$0.00}. I am ok with them charging me {$55.00} to send the satisfaction piece to my recorders office as this is a direct charge, but this extra {$25.00} is due back to me and all other borrowers that were able to payoff their loans in the ordinary course of servicing not through a refinance with another lender which is what the {$25.00} is meant to do. Otherwise Quicken needs to clearly disclose to customers that their last payment in the amortization will be increased by {$25.00} to pay them a fee.
Consumer complaint received 2022-08-17
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)

I XXXX XXXX am a natural living being and have the right under 15 U.S. Code 1681 and Equifax is governed under 15 U.S. code 1681 and they have violated my rights numerous times. Equifax has openly admitted to reporting false credit scores on consumers credit report in 2022. Furthermore, their " IDENTIFIED '' data furnisher XXXX has removed all public records and inaccurate data from its data base and provided me with their updated credit report to reflect this. However, Equifax refuses to remove this data. Also, I have the right to privacy15 U.S 1681 and I did not give Equifax permission to furnish any information on my behalf. At this time I'm demanding the following public records be removed permanently from my report. Equifax has failed to exercise its grave responsibility to report 100 % accurate information. I demand the following items ( s ) be removed from my credit report immediately or pay me as entitled {$1000.00} immediately for each violation. This has caused harm to me by being denied credit, and higher interest rates ** Items to be removed** Bankruptcy case # XXXX
Consumer complaint received 2021-06-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion dropped my credit score XXXX points in XXXX day and could not explain why my credit score dropped so much. There had been no changes to my credit, I had not added or missed any payments. This is complete Fraud!!! I was in the process of getting ready to buy a truck, and had to back out of the deal due to the fact it was going to cost me thousands of dollars in finance fee 's due to the drop from an XXXX  credit score to a XXXX  credit score. When I contacted TransUnion, they could not explain, or even see my change in credit score. The only reason I was able to see it is I utilize XXXX XXXX to get notified when my credit score dropped. Furthermore, they would not file a disput for the drop in credit score, and essentially did nothing to help me! These people control peoples lives, and purchasing power. They need the ability to quickly adjust, and explain any impact to credit scores. The lowering of my credit score of XXXX points will delay my ability to start a company, that I needed to purchase the truck for. Plus, I was going to start another company at the end of the year. There is no logical explanation as to why my credit score dropped XXXX points in XXXX day. They need to fix this immediately!
Consumer complaint received 2020-06-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STATE FARM BANK, FSB (FL)

First of all I am very grateful that State Farm responded about my identity theft case, but I have to make another complaint against State Farm. I understand that you tried to call me but I was outside the country so I couldn't respond but since yesterday and today I have called up to 5 times and all have lead to voicemail, I have left messages and nothing. But I don't understand why you give up after only two unanswered phone calls, either way what is there to talk about? I am a victim of identity theft and many negative things have happened to me because of it, there is nothing to elaborate. Do you not want to make the dispute or remove it, what is it? This accounts are not mine and never were I have no idea about any transactions with this account because this account is not even mine, end of story. I have made police reports, FTC reports, FTC affidavits, etc. I have done everything I can do as a the victim, all the information that is needed I will leave in this complaint. All the information needed that I can give is going to be and has already been given. 

The following documents will be attached : The police reports FTC report FTC Affidavits Letters of blocking requests
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (LA)

I had a fraudulent/scam situation whereas the person of interest has a Chime Bank account XXXX They took {$90.00} to cover a partial rent. After I found out the place that was supposedly for rent was not available, so I filed a complaint against two money transfer account. XXXX with XXXX XXXX who launched an investigation and Chime. Chime on other hand cannon recoup the {$90.00} but made me upset that Im dead set closing this account for handling fraudulent and scam
Consumer complaint received 2023-01-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

I have recieved a call today from a debt collector trying to collect funds from an account I have no idea about, As this has never happend to me before please help me remedy the situation and let me know what to do. Thank you for your help and is much appreciated and im looking forward too hear from you soon.
Consumer complaint received 2020-06-10
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: Experian Information Solutions Inc. (GA)

The following item have not been properly investigated and I have requested numerous times for validation of these items : 1. XXXX XXXX - This item was paid in full by the insurance company during an accident.
Consumer complaint received 2024-03-08
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (SC)

XX/XX/year> I sent a debt validation letter to IC Systems through the USPS, without a tracking number. I never received a response. XX/XX/year> I sent another debt validation letter to IC systems with a tracking number this time, still no response. Sent debt validation to all three bureaus and all three bureaus verified it as accurate. I then sent a method of verification request to all three bureaus. XXXX was unable to produce their method of verification so they deleted the account from my consumer report. XXXX and XXXX verified it as accurate and sent me a new report, NO PROOF THAT THIS ACCOUNT BELONGS TO NE. And then directed me to contact the company for more information. Im getting the run around and im paying for it with this invalid information on my consumer report. It needs to be deleted.
Consumer complaint received 2023-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (MA)

On XX/XX/XXXX I uploaded a completed XXXX XXXX XXXX XXXX XXXX XXXX Netnet XXXX XXXX. I received a notification that Nelnet had received the loan forgiveness application and would take XXXX days to complete the request. 

I received a letter from Nelnet dated XX/XX/XXXX that my loan forgiveness application was materially complete had been forwarded to the Department of Education for their review. In the beginning of XX/XX/XXXX I received a second letter from Nelnet dated XXXX XXXX stating I needed to resubmit my application. 

To recap I submitted XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and received XXXX different replies from Nelnet to this XXXX submission. The first reply found no problems with my application submission and forwarded my application to the Department of Education while the second reply stated my application needed to be resubmitted and my application is on hold at Nelnet.