davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Upstart Holdings, Inc. (WA)

I filed an XXXX complaint regarding a massive money laundering. Identity theft has happened as a result of this incident. Personal loans were fraudulently taken out on my name. The XXXX complaint shows evidence of money laundering. The company is unwilling to take the loan out of my name because the transfer from the bank to XXXX was initiated by me. But there was money laundering from XXXX. I did not realize that the funds were from an unsecured loan that I did not take out. 

XXXX # XXXX
Consumer complaint received 2019-12-23
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX is reporting the same account multiple times thus causing my XXXX  and XXXX  score to stay in negative. The accounts are old and closed. They are being reported.muliple times.
Consumer complaint received 2019-12-23
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)

Back around XXXX and XX/XX/2019 I sent and reported to the credit bureaus that there were some fraudulent accounts actively reporting on my credit report and nothing was done. I complied with there requirements by providing supporting documentations including my id and ss and police report and to this day the fraudulent accounts with XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX  XXXX are still reporting on my credit report and misrepresenting my true credit profile.
Consumer complaint received 2019-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2024-04-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (OH)

looking for help with XXXX private loans I have. They are held at AES. One with XXXX XXXX and one with XXXX. Both have a higher Principal then Original balance and are from XXXX and XXXX. They are also from XXXX XXXX XXXX. I've called AES and been told I have no options but to pay unless I am on full XXXX. I have already gotten my federal loans all forgiven from a PSLF before the XXXX stuff even happened. I am kinda at my wits end and looking for options. Is there anything you can assist with? I really don't want to file bankruptcy as I did this years ago after my XXXX and have basically cleared up my credit report but these loans are so bad I can't even get them refinanced. To date I have paid {$31000.00} and over {$21000.00} was interest alone. I am literally drowning from this debt and there is apparently no help for me. Sitting here crying I am just so frustrated that I have to chose between this or providing things for my kids. I have paid over the original balance in interest alone and still owe just as much.. they are XXXX HELP
Consumer complaint received 2019-12-23
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: ALLY FINANCIAL INC. (AZ)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-12-18
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: CITIBANK, N.A. (CA)

Citibank 's credit card advertises zero liability on fraudulent charges. I was able to provided emailed requests to set up cancellation and cancel the service. I did message the vendor XXXX XXXX several times over a few months in email correspondence and they refused to cancel service due to the person who set up the account was the only authorized person to cancel the service. That employee is not with the company and requested no further communication from XXXX XXXX upon discharge of the employee. I am the owner of XXXX XXXX. Citibank did not honor the dispute. I then requested them to stop additional payments to the vendor. They did not. Eventually I requested them to reissue my card to get a different number of the card to stop the charges. The total overcharges were {$440.00}.
Consumer complaint received 2023-01-15
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. (VA)

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. 

XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX, BANK OF 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  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 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 XXXX 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 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (TX)

XXXX XXXX, XX/XX/XXXX, {$470.00} XXXX XXXX XXXX XXXX XXXX {$580.00} I called the bank immediately they sent a text for me to confirm the transaction, I clicked on No cos it wasnt me. I called the bank immediately, told them my card was missing and it was being used fraudulently. The bank gave me temporary credit, now they came back saying they are reversing the credit.
Consumer complaint received 2019-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

I have applied to refinance my home mortgage for a lower interest rate. The loan documents submitted to me included another client information. Which is a breach of personal information. I was provided with their loan documents credit history, credit card account numbers and their entire credit history. I contacted the company and spoke with the manager XXXX she acted as if it was no big deal. I want this company investigated to ensure not only MY information is secure but all of their customers information is safe and secure. This is a breach of personal information that could be very harmful to anyone. Their entire life has been comprised and I feel as if my information could have been given out to someone in error.
Consumer complaint received 2021-12-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FRESNO CREDIT BUREAU (CA)

On XX/XX/XXXX I responded to a letter I received from Creditors Bureau USA in which I requested validation of an alleged debt they claimed I owed. I requested specific signed documents showing that I owed said debt and also included a declaration to be completed, signed and dated by the authorized creditor ; then I sent the letter via certified mail with return receipt requested. On XX/XX/XXXX, my letter and its attachments ( 3 pages ) was received and signed for by Creditors Bureau USA, see EXHIBITS A & B attached. 

In late XXXX I received a response in the form of a bill that showed medical information including what looked like XXXX XXXX  I clearly requested validation of debt which was never provided. I sent a second certified letter citing failure to validate to Creditors Bureau USA, again requesting that they validate this alleged debit. My second letter and its attachments was received and signed for on XX/XX/XXXX, see attached EXHIBITS C & D. As of XX/XX/XXXX, more than 3 months later, I have not received a response from this collection agency, yet they continue to report this invalidated debt to the credit bureaus, a clear VIOLATION of my consumer rights pursuant to the Fair Debt Collection Practices Act. This action may constitute as FRAUD under Federal and State laws. These violations have caused me harm and must be remedied immediately. Thank you.
Consumer complaint received 2023-01-15
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: EQUIFAX, INC. (TX)

I have wrote all 3 major credit reporting agencies ( equifax, XXXX, XXXX ) and informed them of fraudulent information on my file. I submitted a police report, an ftc theft affidavit along with my identification and proof of residence. 
The items that were fraudulent are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a female and I was informed that a male was posing as me at an address not mine. Im not sure how they were able to convince these companies that my name was a male name.

These items remain after I disputed them with the documents needed to block and remove them per the fcra 605b provision.
Consumer complaint received 2019-12-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (IL)

I am trying to figure out why I continue being charged PMI insurance. My home was apprised almost a year ago by Quicken and I have clearly paid off more than what is needed to drop the PMI insurance. when it inquired they just tell me it will drop off automatically when it should. My loan with them should be paid off within the next 3 business days but I would like an explanation and refund for all the PMI insurance I have clearly been over charged on.
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the Unite States ) that the foregoing is true and correct to the best of my knowledge. Further, I declare that I am authorized by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating various accounts. All are being investigated by FTC
Consumer complaint received 2019-12-23
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (WA)

My mortgage was transferred from Ocwen, a very poor and customer unfriendly loan servicing organization, to PHH Mortgage Services in XX/XX/2019. I had been paying Ocwen via bank withdrawals from my account on the XXXX of each month. I received a notice, I think in XX/XX/XXXX, that our Ocwen account was being transferred to PHH and told that things would remain the same as with Ocwen. But in fact, the money that I had in my account for regular payment was not withdrawn, but just left there. So I mailed a check, for the first two months, the checks weren't cashed. When I called PHH they said that they would make withdrawals according to the Ocwen schedule, on XX/XX/XXXX. But they made the first one, maybe two, on XX/XX/XXXX. The funds were not there so they resulted in significant bank charges and of course PHH reported it as a late payment and assessed fees. I think it is straightened out now but with PHH one can never be sure. Like Ocwen, they live to assess fees and charges and do not communicate clearly. I have asked for a copy of my recent years ' payments and was told that they could provide nothing from Ocwen. It's as if Ocwen never existed. They will not provide online access to the Ocwen history, something that was always available when Ocwen was the servicer of record. What they have sent me is something that seems to be a record of my very recent history, printed in text so small that I can barely read it with double glasses. I need to purchase a magnifying glass to read these records which I waited two weeks for. In the meantime I have to deal with damage to my credit from their fallacious representation of our payment history.
Consumer complaint received 2018-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (TX)

I have a remark that effected my credit very badly, I have had a someone use my social and other id to co sign for their own use with out my consent, and I really want that off my report I'm only XXXX years old and I'm new to the credit world I really don't want this to affect me and my future. I have another account that I opened which my payment history is 100 %.
Consumer complaint received 2019-12-23
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: ONEMAIN FINANCE CORPORATION (MD)

On XX/XX/2019 I sent a letter to Onemain financial to validate a charge off on my credit report. Tracking showed they have received my letter on XX/XX/2019 but have not responded to my request and 30 days have passed without marking my account as disputed. This shows how they are acting in bad faith. 

Therefore they have violated FCRA 623 ( a ) ( 3 ) and FDCPA 807 ( 8 ). 

Also by not providing copy of any viable evidence bearing my signature they are in violation of defamation and negligent enablement of identity fraud.
Consumer complaint received 2019-12-23
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: JPMORGAN CHASE & CO. (IA)

ON XX/XX/2019 I DISCOVER UNAUTHORIZED INQURIES ON MY REPORT.SOMEONE TRIED TO OPEN UP ACCOUNTS IN MY NAME.
Consumer complaint received 2023-01-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (DE)

Made a purchase through an online merchant and decided to use my PayPal account for the secure purchase. I made a purchase in the {$180.00} on XX/XX/2022 ( Transaction XXXX ) The item was shipped XXXX priority mail tracking # ( XXXX ) to the correct address, but I was on vacation when the item arrived. The XXXX returned the item on XX/XX/2022 based on the not being able to be hold any longer ( 15 days ) and needs to be returned to sender. I opened a claim with PayPal to preserve my dispute rights. Paypal closed the claim because the merchant provided a XXXX priority mail tracking # ( XXXX ). This tracking number is associated to a purchase I made through PayPal on XXXX in the amount of {$90.00} ( XXXX XXXX ). 

I have attempted multiple times through the PayPal online dispute process. There is no way to re-dispute a case. I was told since the case was closed there was nothing PayPal could do on my behalf and the phone agent offered me {$100.00} to use on my next transaction. I feel this act violated my rights as a consumer. It's out my control the merchant provided the wrong tracking information for a different transaction than I'm disputing. 

In addition, I provided jpeg images that support my claim to PayPal. The case dispute with PayPal XXXX XXXX XXXX out if I can provide any further information.
Consumer complaint received 2019-12-23
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc. (AZ)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2023-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FISERV INC. (NJ)

My mortgage from XX/XX/XXXX was returned at some point between XX/XX/XXXX and XX/XX/XXXX. 

I received a XXXX from mortgage ( XXXX ) company stating the XX/XX/XXXX was returned on XX/XX/XXXX due to insufficient funds Originator tracer number XXXXXXXX XXXX XXXX. The XX/XX/XXXX payment was rejected due to insufficient funds. 

This return was never noted or credited to my account by Fiserv, XXXX XXXXXXXX XXXX XXXX XXXX Multiple claims were made with Fiserv to trace this money. I have yet to hear a result directly from Fiserv. Fiserve has claimed they recieved an amount of {$1400.00} at around this time but did not credit it to my account to show that. This is a human error that needs to be resolved. 

XXXX XXXX XXXXepartment sent XXXX letters in XXXX recognizing all transactions and returned the {$1400.00} directly to my account via direct deposit. So now missing mone. found i paid mortgage the right amount! 

XX/XX/XXXX. Fiserv started claiming I owe $ {$1400.00}. I have requested written communication mailed to my house about this so i can take it to XXXX  and XXXX but have not recieved anything in mail. Someone claims to have spoken to me and sent out documentation but i dont know how and where it was sent. It wasnt to me. 

The {$1400.00} that i owe them was recieved by Fiserv on XXXX and not credited to my account. They admitted receiving.
Consumer complaint received 2019-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (CA)

My XXXX  report has multiple delinquent from XXXX XXXX  and ford credit.Cfpb already intervened directly between companies and they agreed to remove delinquent off all three reports but it is still on my XXXX  reports. Ford agreed to remove accounts off all three reports.
Consumer complaint received 2019-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

My XXXX report has multiple delinquent from Sychrony bank and XXXX XXXX.Cfpb already intervened directly between companies and they agreed to remove delinquent off all three reports but it is still on my transunion reports. XXXX agreed to remove accounts off all three reports.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NC)

Nissan motor acceptance corporation XXXX my car In XXXX XXXX XXXX. THIS WAS ILLEGAL AND THIS CAR WAS PAID FOR OUT OF MY XXXX XXXX XXXX XXXXXXXX. THE XXXX XXXX. YOU TRY TO GET PAID TWICE. DOUBLE DIPPING. NEVER GAVE ME MY XXXX FORM FROM XXXX MY CAR. I FILED A XXXX FORM TO THE IRS. AND XXXX FORM. NEVER GOT MY GAP INSURANCE FROM THEM. THEY PUT FALSE PAYMENT ON MY CONSUMER REPORT. XX/XX/XXXX {$250.00}. PROVE THIS PHONEY TRANSACTION.