davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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. 

Account Name : XXXX  Account Number:XXXX**** Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 2020-02-28
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Specialized Loan Servicing Holdings LLC (SC)

RE : Specialized Loan Servicing XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX My acct # XXXX My husband & I borrowed a 2nd mortgage from the above listed lender in the amount of XXXX in XXXX. This was d/t my husband 's near death experience & our massive medical bills. We were able to make a few payments but eventually had no funds to pay for the 2nd mortgage. In XX/XX/XXXX, my husband died suddenly or unexpectedly. I was scammed & mistreated during this period. I put our Condo on the market to be sold. It sold in XX/XX/XXXX. Near closing, I was informed by my attorney 's office, Specialized Loan Servicing company would take XXXX for payment owed. I was perfectly fine with this. But the attorney added, they will also be taking XXXX in interest, and late fees as well. I called the company and my Realtor called to beg this company not to do this, as it would leave me financially distressed. I closed on the Condo and took away XXXX from the sale. I'm a new widow. I'm scared. My husband is dead and gone forever. I'm also XXXX and try to work, but it's extremely difficult. I KNOW this company was informed of my XXXX & financial hardship. I lost. They got their money. I want the media to know this is a Predatory Lender. Don't borrow from them. This is so cruel and unkind. They didn't have to destroy me. I really want ppl to know what they did to me after the recent loss of my spouse. Please help me. I can be reached at : XXXX or XXXX. Please be aware I have contacted XXXX  of Colorado. They are investigating the matter. I have not heard anything specific yet from the XXXX. Thank you. Sincerely, XXXX
Consumer complaint received 2023-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (SC)

For almost ten years, I made payments to XXXX on my student loans for my XXXX degree. My loans were in forbearance while I finished my XXXX XXXX, which I paid for out of pocket as I went. XXXX sold my loan to XXXX. I have served the country ( XXXX XXXX ) and government ( XXXX XXXX XXXX ) for over 30 years and should qualify for service forgiveness, but my loan was sold, an act that was out of my control. When I called the lenders, they told me I'd need to refinance my loan and start over with the ten years of payments. That is unfair, and how do I know that my loans won't be sold again before I pay for ten years. Thanks for your help!!
Consumer complaint received 2021-08-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (TN)

I am reaching out to you to see if I can finally resolve this matter with this stubborn company. I have written them serveral times requesting validation of this derogatory closed account that continues to stain my credit worthiness. 
Repeatedly they have written me telling me that they SOLD the account to XXXX XXXX XXXX. They are not the ones reporting this on my credit ; CCB/XXXX is. 

They did not send me medical records proving that I owe this debt, nor did they show me what right they had to sell my information to a third party without my consent. Now I have this credit collector attempting to collect on a debt I do not owe them thanks to CCB/XXXX violating my HIPPA and PHI rights. 

Prove that I signed a HIPPA or PHI release allowing you to sell my private medical information to a third party without my consent. I am beyond LIVID at this point and I am trying to be amicable for the last time before I turn all this evidence over to my lawyer and have our day in court in my state and I will sue you for up to {$10000.00} or the maximum amount that my state allows according to FCRA and the OCR. You are well aware how serious HIPPA violations are. 
Do theright thing and DELETE this account from my credit reporting with XXXX, XXXX and XXXX. As you can also see from the attachment, the information that was reported was completely inaccurate and false. Prove your rights or I will see you in court and you will lose more than what you are claiming that I owe you. This is my final attempt to get you to delete this closed account from my account. You are the one who put it there, you take it off. Take this matter very seriously.
Consumer complaint received 2021-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (SC)

This is a written notice to XXXX XXXX who acts as ceo of Southwest Credit Systems that I the consumer am invoking my right of rescission pursuant 15 usc 1635 in good faith. Certain information in this contract was not disclosed to me. Please delete all of my information, rescind all signatures, and return all money in good faith.
Consumer complaint received 2019-12-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Hunt & Henriques (CA)

I lost my Wallet with my Social security Card, ID Card and Email information in it. My E-mail address has been hacked and I have been the victim of Identity theft, my social security number, driving license and some of my other personal information has been stolen from my Email address. I didn’t open this account and it's not mine. I don’t know who opened it. I am not responsible for this account. I just think someone misused my information but I don't know when and I'm not familiar with electronic stuff. But
maybe someone misused my personal information that is always in my wallet because lost my wallet multiple times. About my lawyer who was trying to negotiate for the settlement, I have to say, at that time I did not know what to do about it and I thought maybe lawyer can do something about it but this account is not mine at all. I was
desperate and did not know what to do. Someone may have opened this account with a fake ID. Also, I have never received any bank statement by mail
or via Online banking. And if anyone could have access to my information, they could have forged the signature which is on my driving license and use any other personal information which belongs to me. I have never done any payments. If there are some payments which has been paid by me, it is because I didn't want bad score to appear in my credit report, I knew it was a fraudulent account and I reported it to bank, but because I knew it will take some time for this matter to be resolved, I decided to pay a minimum amount so that I can keep my credit score high and protect my financial credibility, I didn't have any other intention beside that.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 2021-08-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

I opened a venmo account around XX/XX/XXXX. I managed to make a payment with no problems using PayPal. To my understanding, PayPal is no longer a trustworthy and/or unreliable company, I decided to link my XXXX  account with venmo. Ever since I made this transaction I've been having serious problems with : adding/removing my funds from venmo. Every time I made an attempt to add money, it stated that an error was made. About a week or two I received an email from venmo letting me know that I've been restricted from using venmo, without any explanation. I finally figured out how to add money into venmo, after so many attempts and disregarding the above message, I decided to add {$400.00} dollars in the account. Now my venmo account is frozen and I can't find any way to withdraw the funds or transfer them to a bank. 
In other words, I can't take the money out my venmo account or transfer it to another account. What can I do to resolve this issue?
Consumer complaint received 2021-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (CA)

Comenity, requests for assistance were made since XXXX  year til now with no resolutions whatsoever then, you got took over by another company. Now the concerns seems lost as to which credit card company is responsible. You delayed assisting by seeking for details to the charges, in order to assist. When that was provided you then seek for their service contract, more in order to assist or investigate into it. Which is it? Now Comenity has been taken over by this other company. I spoke to your worker XXXX  in XXXX to close Comenity accts XXXX, which were also already requested in the previous mentions to CFPB, which were not addressed. Prior to that other companys takeover. When requested to close it, XXXX explained that Comenity is now unable to close it? Comenity ruined it, again. XXXX  mentioned to not close this, when contacted Comenity in XXXX so, Comenity may better assist with the concerns but still now it has not resolved the matter of many years ago delayed. Also, in the most contact to CFPB, i mentioned that XXXX does not respond to any of the requests for their contract so, unable to get a contract that you desired. Conmenity should contact them for their contract that you seek for Coverages XXXX from XXXX  year. Also, few minutes ago contacted Comenity, your telephone hung the calls many times, I asked your worker XXXX to connect me to a manager, the call got hung again. XXXX mentioned to write to Disputes dept, unwilling to connect me to that dept? Conmenity should contact XXXX  for whatever contract that you desire so, you may in order to resolve the matter that you delayed ; as what were provided are not enough for Comenity in order to resolve this or you are going to desire other stuff so to not return the funds? Like your first request for details then, coverages then, still no resolving the matter. Coverages # XXXX date XXXX  XXXX
Consumer complaint received 2021-08-29
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CHECK INTO CASH INC. (MI)

I sent check into cash an affidavit and invoice stating how they were violating the laws of the FDCPA and that they were liable to remedy me. They took over 30 days to respond and did not rebut my affidavit, meaning they have accepted my claims as true by default. The only legal way to rebut an affidavit is with an affidavit and all they sent me was a contract so this will get resolved in court. Thank you for nothing, looking forward to seeing the Check into Cash representative.
Consumer complaint received 2022-09-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (FL)

In XX/XX/2021, my husband and I were struggling financially because of reduction in income, due to the Covid-19 pandemic. We contacted our bank PNC, and requested assistance with our HELOC. We were advised over the phone that we could take advantage of a forbearance program, lastly 3 months, which would temporarily cut our payments by 50 %. We elected to participate in the program over the phone. We did not get paperwork detailing the terms or possible negative consequences of the forebearance. We made our partical payments XXXX of 2021, and resumed normal payments in XXXX of 2021. After the forebearance period ended our drawing privledges on our HELOC were revolked. We were not aware this was a possible consequence of the temporary forebearance. I contacted PNC and they said we could apply to have the drawing privledges reinstated, we have applied twice and been denied. This signifcantly harmed us financially, we were counting on using the funds available from the HELOC to pay off high interest credit card bills. We also noticed our HELOC monthly payments were increasing, so we applied to " lock-in '' the rate as per our terms and conditions of our HELOC, only to be informed the loan was no longer eligible for a rate lock, and is no longer a HELOC, but is now a variable rate mortgage, without the option of a rate lock. This is absolutely devastating. We can not afford to pay the increased monthly payment. We would NEVER have agreed to the forebearance if we knew the full ramifications of doing so. We need access to the equity in our HELOC, and we NEVER agreed to have it converted to a variable rate mortgage! PNC took advantage of us, and did not fully inform us of what we were agreeing to, or the possible permanent, and profoundly negative consequences. 

I contacted PNC bank on XX/XX/XXXX to dicuss my concerns, and try to work towards a resolution, but I have been unsuccessful. Please help us.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2023 I sent a notice to XXXX, XXXX, and Transunion about opting me out of the reporting of the following nonpublic information. The accounts goes as follows ; [ XXXX Account Number : XXXX ] [ XXXX XXXX Account Number : XXXX ]. I am submitting this complaint because I have not received a response nor has the accounts been removed from my reports.
Consumer complaint received 2021-08-30
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. (PA)

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again
Consumer complaint received 2024-04-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I received a notice from a collection agency for an overdue bill with XXXX XXXX XXXX for the amount of {$1600.00}. I told the collection agency that I use to have service with XXXX XXXX XXXX but transferred my phone number in XXXX XXXX to XXXX. I mentioned that I had been with XXXX XXXX XXXX  for many years without issue but I did not reactivate service in XX/XX/XXXX. The collection agency told me to contact XXXX XXXX XXXX. They provided with the appropriate number and I called XXXX XXXX XXXX and let them know that it was not me who activated service in XXXX XXXX. I told them I switched to XXXX and signed on to my dad 's account in XX/XX/XXXX. I asked XXXX XXXX XXXX if a photo ID was provided when service was activated. They would not tell if a photo ID was provided. I asked them to send me a copy of the application so I could see where the phone was sent. I told then my current address and said I have been living at this address since XX/XX/XXXX. I said if the application has another address where the phone was sent, then it clearly was not me. Again, I asked them to send me the application so I could see the information as well as the signature of the person claiming to be me. Again, I said if there was not photo ID provided, then I I said they were laxed in providing servoce to this person. The lady thing I said to XXXX XXXX XXXX was that if they do not send me the application to my current address, then they would not be able to hold me responsible. It is now XX/XX/XXXX and I have still not been provided an application or the photo is used to activate service.
Consumer complaint received 2023-02-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Kentucky Housing Corporation (KY)

Escrow account for years XXXX and XXXX have been paid late by the company, to the point of getting letters from the County Attorney. They have upped my payments and are now charging me double and more for the taxes. My taxes are {$1400.00}. Year XXXX they charging my escrow on the amount of {$2600.00} the penalty that was charged. Escrow was {$380.00} they upped that to {$430.00} plus another {$54.00} adjustment. 
For year XXXX same thing happened taxes weren't paid till XXXX and only after I called due to another letter from the County Attorney, taxes due {$1400.00}. New payments on tax bill for {$2600.00}. 
New adjustments now {$450.00} a lot of my hard earned gone due to no fault of my own. I spoke to escrow manager she said she was taking care of it. When I sent my original payment they actually returned my check because it didn't have the inflated charges in there.
Consumer complaint received 2021-08-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (PA)

TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT AFNI INC Reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious AFNI, INC Reported : XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2019-08-06
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)

Please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX