davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-12
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. (NY)

I called your department after I purchased a credit report with XXXX XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFFS accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these charge off from my personal profile. A copy of my Bank statement, drivers License, and SS Number are all included in this written request. Please help me resolve this issue as soon as possible. I found that under section 605b ( a ) Experian shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5600.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00}.
Consumer complaint received 2024-02-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: FISERV INC. (NJ)

In late XX/XX/XXXX I was informed by First Data ( FD ) that our credit card terminal was going out of support and that I had to upgrade to a newer model, if I wanted to maintain support ( which is important ). We did that and received the new machine. The Salesperson at First Data suggested a lease, versus buy option, so that if this new machine became end of life, we could easily migrate to the next edition. We took that advice and leased the terminal. 

A few weeks later I received a letter saying we either needed to pay FD an additional {$4.00} per month extra ( for " equipment protection '' ), or have FD added as an additional insured on our policy, and submit proof of that to them. We did the later and sent that information ( via the FAX they listed ) to them on or about XX/XX/XXXX ( I have a FAX receipt confirmation ). In early XX/XX/XXXX I got a second letter demanding I agree to the {$4.00} charge or send them the insurance confirmation. I did that again, but once again got another letter a couple of weeks later. I called their contact center, and they told me that their FAX machine was unreliable and that I should submit the form via email, which I did. On XX/XX/XXXX, I got yet another letter asking for the same information. I called the contact center again and they told me to just ignore the letters. I told them I want them to stop sending them, because they are creating confusion with our staff. They claim there is nothing they can do. I asked to speak with a management person, but they refused to connect me. Today I resubmitted, again via email, for a 4th time, the same information and demanded that they stop the letters. 

Our merchant Account XXXX is XXXX, XXXX XXXX in XXXX
Consumer complaint received 2023-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The hard inquiries that I did not furnish or approve are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-10
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: EQUIFAX, INC. (MA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

I have 8 student loans that are reporting on my credit report and my social security number under the accounts are incorrect. The accounts are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-15
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: DISCOVER BANK (NJ)

Multiple charges I didnt make were made on my card. About 32 different charges in the course of 2 days were made on my card without my consent or knowledge. I contacted the credit card company and closed the card. I would like to investigate this situation further and to press charges against anyone who used my card on each transaction.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was told to make this report by XXXX. Between XX/XX/XXXX and XXXX, there were XXXX hard inquiries on my credit report. I did not apply for any new credit. My scores are now going down because of these. 
I need them off my report and I need to figure out how to stop this identity thief. 
I reported with the companies listed and the credit bureaus.
Consumer complaint received 2024-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC (NH)

In XXXX XXXX XXXX I called my new mortgage company LoanCare LLC asking to adjust my auto payments and they said they would help me do so once the account was created. I took this as they turned off the auto draft so I made a payment. To my surprise I was double causing financial hardship for my family. Then LoanCare told me they couldn't transfer the money back to me until they assigned an investigator in 10 days, then the investigation could be done then maybe a check could be sent out. I have asked over and over that they investigate the issue and tell me what happened and they company is refusing to provide me any insight into the findings.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2023-01-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (MA)

I was working with Truist loss mitigation to submit documents to be notarized. I have co signers that are on the loan that need to sign in order for notarization to go through. One of which has passed away and I sent the death certificate over in XXXX XXXX XXXX  In XX/XX/XXXX they sent the documents over to me to be notarized I asked before I took a flight to South Carolina if the co signer was off of the documents and they said they would take them off. So took flight to South Carolina and got documents notarized. I got a response in XXXX saying they did want the Death Certificate of one of the co signers. I sent that over to them. 

In the XXXX they sent new documents to me but I informed them I need time to get them signed because I cant travel due to work as I am a manager in a retail store and it is busy so I cant take time off work. They told me the last date to sign is XX/XX/XXXX. I told them I couldnt make that date and they said they would have to restart program. 

Now they have took me off of loss mitigation and I am facing foreclosure after they have given me false information after I have even traveled to make their demands met. 

This has been an extremely frustrating and difficult process. While I understand its not the banks fault that I have co signers that live in another state, when I have tried to communicate with them and work with them they have either given me false information or just lied to me.
Consumer complaint received 2024-02-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PENTAGON FEDERAL CREDIT UNION (NC)

Hello, I can not access my account. I logged in correctly via their site. When I get prompt to request code via text to my phone, it will not send it to my phone. I noticed a couple of weeks ago I had to hit resend to get the code, now I can hit resend several times and no code comes. I called PFCU and no one seems to have answers. It seems un acceptable to mot be able to access my accounts. NOTE- a few weeks ago, I had to reach out to you as I could not update my password to update security to my accounts. Only after contacting you did it get resolved. There are obviously issues at PFCU when it comes to software management. Please help and advise. thank you
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-08-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION (MI)

I got an email from Xoom a XXXX money transfer service on XX/XX/XXXX XXXXXXXX XXXX, that there was XXXXXXXX XXXX transfer - ( Transaction # XXXX } made to XXXX to someone unknown to me. 2 minutes later I got another email that the transfer is complete. I checked the transaction history and found unauthorized transaction and called customer care immediately and reported. They did not stop the transaction even though the site says the transaction can be cancelled with 20 mins. I did not find cancellation button either as per the site. I raised a claim and they said they take 10 days for investigation. I also called my local XXXX XXXX XXXXXXXX and placed freeze on my account before the fund were withdrawn. 
Xoom kept trying to bill my XXXX XXXX XXXXXXXX account with XXXX $ multiple times as my bank kept rejecting it after 2 days. They also sent debt collection notice. Few days later they denied the claim saying my IP address was used on the transaction. 
I never authorized the transaction and I dont know the recipient. I also never got any communication when the recipient was added to my account. I did not get OTP for adding the new recipient. There should be more security measures in place to aviod scam or fraudulent transactions, Cancellation or holding the transfer should be in place incase of suspicious activity. I should not be responsible for this scam when I did everything I could to stop the fraudulent activity.
Consumer complaint received 2023-08-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Remex, Inc. (NJ)

The Company name is REMEX , INC . 
They have called me at work, demanding payment, telling me to borrow the money from someone.

I have asked that they send me proof of this debt, the man told me no that it had already been sent, I told him that I had never received anything. And asked him to resend me any documents that can verify this debt, who it is from and the amount owed.

I then told him, once I receive this information, if it was indeed legit that i'd be happy to go on a payment plan of XXXX XXXX per month - again he told me no, that it needed to be paid in full. 
After explaining several times that I would not just a pay someone that I had never heard of nor received any information regarding money owed, and asking for documentation to be sent to me and after that time if it were legit we would work up a payment plan. 
I still have not received anything, but have just noticed that this is now on my credit report
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (NC)

My credit report thru XXXX XXXX shows my score dropped by XXXX points due to a missed payment on a credit card that I don't even have! It is Barclays Bank, and I do not have that credit card, nor have ever had it!
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX : {$1600.00} XXXX XXXX  XXXX XXXX XXXX  : {$1000.00} XXXX XXXX XXXX XXXX  : {$0.00}
Consumer complaint received 2023-02-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

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. 
1. XXXX XXXX XXXX  ACCT : XXXX XXXX BALANCE : {$190.00} REQUESTED VALIDATION FROM COMPANY NEVER RECEIVED AND DISPUTE FILED WITH CRA 2. XXXX XXXX XXXX ACCT : XXXX XXXXXXXX BALANCE : {$370.00} REQUESTED VALIDATION FROM COMPANY NEVER RECEIVED AND DISPUTE FILED WITH CRA 3. XXXX XXXX XXXX XXXX XXXX  BALANCE : {$450.00} REQUESTED VALIDATION FROM COMPANY NEVER RECEIVED AND DISPUTE FILED WITH CRA 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 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 2023-06-19
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: Affirm Holdings, Inc (CA)

This creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Company : AFFIRM Loan ID : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (GA)

Nelnet and the XXXX XXXX XXXX XXXX XXXX  are the worst organizations to deal with regarding student loans. They lie about dates, have held my refund longer than 14 days. Nelnet is refusing to release it and just holding it in a pending status then say it will go to a processing status even though they already have my bank information. When you ask them a question, they don't care or have any urgency to figure anything out.
Consumer complaint received 2023-06-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (CA)

I received an email from Edfinancial Services which is not my lender but sent me an email that they are. ( I was confused and checked this later as I had just woken up but also remembered an email some months ago that my lender had recently changed. ) As I did not remember my password and login information I was asked for my social security and birthday. They were unable to find my account but it was then that I checked who my lender was and it was in fact not Edfinancial, I believe this to be a scam in which they are gathering information and would like to report them.
Consumer complaint received 2023-06-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (MD)

My wife XXXX and I have owned our home in XXXX, MD for over 17 years and we never had any problem with our mortgage until my wife and I both became ill from Covid. We are both retired on fixed income and XXXX and because Rocket Mortgage has been unwilling to work with us we are in foreclosure. When we first got sick our lender Rocket Mortgage gave us a forbearance for XXXX months to help us get by during the pandemic. We both recovered and began making our payments again but then I had long term problems from XXXX which led to XXXX XXXX, XXXX and XXXX  and we again fell behind. We got back on our feet a few months ago and resumed making our payments and Rocket Mortgage told us to apply for help to take care of the late payments. Last month Rocket told us we were approved for a repayment plan to catch up on the late payments, but this plan doubled our monthly payment from {$690.00} to {$1300.00}. My wife and I are both retired and on fixed income and have large medical bills. We can't afford a repayment plan that doubles our payment for XXXX months. My wife and I want to know why Rocket Mortgage would provide " help '' that puts us into a situation where we can't afford our house?? We are now in the beginning of foreclosure and falling further behind each month. My wife called in to talk to Rocket and said we can't afford this and their agents told us " too bad if you can't afford it we will start foreclosure against you. '' This seems wrong. 

I am a veteran of the United States XXXX XXXX and worked in construction for almost 40 years. After that I continued working as the maintenance man at the local hospital until my health issues caught up to me in 2020, and are now so serious that I can no longer work. My wife XXXX XXXX used to work in medical care and home care and had been putting in some extra hours as XXXX driver to help make ends meet until her health issues caught up with her. The doctor found several masses behind her XXXX which they thought to be XXXX, and she had a XXXX removed and is still recovering. However, the cost of these different procedures has been more than $ XXXX. We are surviving and paying our bills with our Social Security and XXXX pension. 

We have a FHA loan that is backed by HUD and they offer programs such as partial claim or payment deferment and also loan modification to help struggling homeowners who are behind on their mortgage. Why didn't Rocket Mortgage consider us for these programs? These programs would lower our payment or keep it the same. As a servicer of a government loan who offered a Covid forbearance I thought they were required to allow access and review for all government programs for struggling borrowers. This did not happen, and when we call in their agents tell us the repayment plan is the only option.