davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

It is important to emphasize that this complaint is not an oversight, but a genuine concern regarding the presence of false and unreliable information on my credit report. The inaccuracies present have led to undue stress, and I am experiencing adverse effects as a result. 

Desired Resolution : I kindly request your quick attention to this matter. It is essential that you take immediate action to rectify the inaccuracies by removing all false information from my credit report. I can not afford to endure prolonged stress and negative repercussions due to the inaccurate details
Consumer complaint received 2019-04-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NY)

My student loan payment is due today ( XX/XX/19 ) however both the website and phone number are down for scheduled maintenance making it impossible to make my student loan payment. I have tried emailing, XXXXXXXX XXXX, and calling and have gotten no reply.
Consumer complaint received 2019-04-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (CA)

On XX/XX/2019 I sent a dispute letter to Midland Funding and XXXX   about a dept they say I owe and put on my credit file. I asked for proof of verification per FCRA but they sent nothing to verify their claim that this debt is mine.
Consumer complaint received 2021-02-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC. (OK)

I explained on several occasions that these accounts they have on me are not of my knowledge. They put liens on my old house. Would call and harassed me all the time. Tried calling me at work. They would even call me at XXXX at night. They sent me some copys of these accounts that looked liked previous bills? They had the information of the company and what appeared to be addressed to addresses I never have recognized? They said I owed but had no proof that these are indeed my accounts? I had no knowledge of these accounts or contract with them but they are still on my report and they are still harassing me about them.
Consumer complaint received 2019-04-07
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: CAPITAL ONE FINANCIAL CORPORATION (ID)

On XX/XX/2018, I made a purchase to -- what I thought was -- the XXXX Official website. I made the purchase of a {$320.00} XXXX XXXX for a XXXX present. This ended up being a fictitious website from XXXX that was taken down soon after I paid for the product. I tried to cancel the purchase, but I was told by Capital One that it would be fine and if it did not show up, then I would be covered by their Customer Protection Plan. I tried to cancel my order with the people from the website through email, but they assured me they were a legitimate company. I waited and nothing was delivered on the expected date, so I filed for a refund. I received that refund on XX/XX/XXXX. Nothing was delivered until XX/XX/XXXX, which was after XXXX, and it was not what I ordered. I received a XXXX XXXX instead of a XXXX XXXX, so I figured I would have been taken care of by Capital One. 

On XX/XX/XXXX, Capital One took back the previous refund from XX/XX/XXXX and requested more information. I sent them emails between the seller and, a tracking number from the transaction, and pictures of what I received with the same tracking number. 

On XX/XX/XXXX, Capital One gave me the refund, however, on XX/XX/XXXX they took back my refund twice so now the missing cost was {$650.00}. The Capital One person I talked to on the phone said they gave me the credit twice which was incorrect. Upon review, he refunded the one charge of {$320.00} and told me I needed a third-party letter for this dispute. I did get a third-party letter, but since this was a scam website, the third-party letter was not structured how they wanted it to be. They have not listened to the evidence I have provided them with that this purchase was a scam. 

I have not heard anything back from Capital One under these circumstances, and I need help to get my rightful refund and to keep these businesses honest. If you have any questions or need any proof of these transactions, please contact me. I am ready to get this resolved.
Consumer complaint received 2021-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CA)

I own 2 investment properties in Hawaii which are used as vacation rentals, both of which are financed through LoanDepot. Due to Covid I have not been able to rent the units. For several months I paid the mortgages timely. Finally I had to request forbearance on both loans. I continued to pay the escrow ( taxes and insurance ) on both with no problems. 30 days ago the problems started. I called like usual and started getting the run around. It took 2 hours to get someone to apply my payments. I then discovered today that the payments were not applied as requested and agreed upon. After an hour on the phone again today, my payments remain misapplied and Im still unable to make payments on the escrow accounts. Collections will not process my payments, they transfer me to customer service. Customer service wont process my payments, they transfer me to collections. Its the most frustrating and bizarre thing Ive been involved with when trying to make a loan payment on an escrow account. Im trying to keep my escrow accounts current so at the end of forbearance its more palatable to try to bring the accounts current by only owing the principle and interest. A manager/supervisor was supposed to call me this evening to get this resolved but never did. This is the second month with the same problem anyway. Someone further up the food chain needs to address the game playing and put an end to it. Its a systemic problem. Having financial difficulty due to Covid is more than frustration enough without having to deal with manipulation or ineptitude by a lender in addition.
Consumer complaint received 2022-07-15
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: EQUIFAX, INC. (CA)

I am disappointed to discover that Equifax did not amend my credit record or totally remove the fraudulent account. In my most recent correspondence with the credit bureaus, I demanded that they produce evidence supporting their assertions that the accountI am contesting actually belonged to me. Equifax still hadn't sent me any proper proof I find it aggravating that the credit bureaus have refused my requests, violated section 605b of the Fair Credit Reporting Act, and have continued to record the disputed account without the necessary justification. Let me remind the credit bureaus that they are required by FCRA section 605b to delete any items and information that were obtained as a consequence of identity theft and were listed on an ID THEFT REPORT. I'm inclined to file a lawsuit against the credit bureaus to compel them to update my credit report. I'm hoping that by filing this complaint with the CFPB, the credit bureaus would act right away and entirely delete the disputed account from my credit report. The account needs to be removed : XXXXXXXX XXXX  XXXX XXXX
Consumer complaint received 2019-04-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (WA)

I received an email saying that I had until XX/XX/XXXX to submit my loan payment for the month. When I attempted to log in, I got a " Site under maintenance '' page. No biggie, I work in software so I waited a few hours and tried again. Same page. 

I looked online and found a twitter post from XXXX  ( @ XXXX ) on XX/XX/XXXX, stating : " We are currently experiencing technical difficulties with our mobile application. We apologize for any inconvenience this may cause and we will notify you when this is resolved. '' Only it's not isolated to the mobile application. I can't access the customer support information from the site, I can't repay my loan from the site. And I'm not aware of any other ways that I can make a payment. There are tweets in the thread spanning from XX/XX/XXXX to XX/XX/XXXX, with people complaining that they're unable to log in. 

I can't access the contact information for the company either, because when I click " Contact Us '' on the main page, it says " Site under maintenance ''. 

I looked at their online terms of service, and there's a clause that states they aren't responsible for inability to access repayment portals even if they are the ones that caused it. 

Snippet from the Warranties Disclaimer from PHEAA 's Online Services Terms of Use " YOU ACKNOWLEDGE AND AGREE TO USE ONLINE SERVICE AND ANY MATERIALS OR INFORMATION PROVIDED BY PHEAA ( INCLUDING THIRD PARTY INFORMATION, PRODUCTS, AND CONTENT ) AT YOUR SOLE RISK AND THAT PHEAA CAN NOT GUARANTEE AND DOES NOT WARRANT THAT YOUR ACCESSS WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR FREE OR THAT THE INFORMATION ACCESSIBLE FROM ONLINE SERVICES WILL BE FREE OF COMPUTER VIRUSES ''
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To whom it may concern, Under 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave XXXX XXXX AND TRANSUNION any written consent to report anything on my consumer report, No consent is IDENTITY THEFT. 

Concerning the accounts listed below as a consumer IM DEMANDING A DELETION of these accounts
Consumer complaint received 2023-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MN)

On XX/XX/XXXX I spent over XXXX hours on the phone ( mostly on hold ) with Mohela we talked to XXXX ( ID # XXXX ) XXXX acknowledged certification from XX/XX/XXXX until XX/XX/XXXX. During that time I made XXXX qualifying and certified on time payments. Mohela assume the loan from XXXX on XX/XX/XXXX. Since that time communication has been awful. I submitted XXXX certification to Mohela on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Any or all of these certifications should have been sufficient. These originally were marked " wait 90 days for processing '' then later updated to " duplicate, not processed ''. This appears to be a modus operandi as on the XX/XX/XXXX I was assured that the the certification appeared to be in good order and that the processing of loan forgiveness would be " Expedited & Escalated ''. Several days after the conversation it was updated from " expedited and escalated '' to " Please allow XXXX business days for processing. Once a decision has been made you will receive notification of approval or denial. No additional steps are required of you at this time. '' I am certain if some one competent in there organization reviews this case file it can be resolved within XXXX minutes. But since I can't get a response I am now submitting complaints to CFPB, XXXX the US Department of Education, and Senator XXXX XXXX. 
That make take Mohela more than XXXX minutes to resolve. 

At present Mohela Payment tracker shows XXXX qualifying prior to XX/XX/XXXX. As such please verify that the certification submitted represented certifies at least 3 additional months. Also please verify that XXXX + XXXX = XXXX. My XXXX qualifying, certified, on time, eligible payments far exceeds the XXXX required by law. Please discharge the debt as required by law.
Consumer complaint received 2022-03-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM

IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete t
he items as soon as possible.
Consumer complaint received 2017-11-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synovus Bank (CA)

To Whom It May Concern : This letter is in response to your recent claim regarding Acct # XXXX, which you claim I owe {$320.00}. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. )  Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Consumer complaint received 2021-02-09
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. (GA)

I have been fighting this bankruptcy for years because of the inaccuracies inside of the bankruptcy which is why it is dismissed. There were several accounts that were excluded on the bankruptcy, but were filed to be dismissed. 

Today, I logged into XXXX  to verify the information that was correct and incorrect. 

I noticed that bills that were included in the bankruptcy are still on the report. I also noticed that the case number is incorrect. I am sure what is being reported on all three bureaus, XXXX and XXXX is incorrect information.
Consumer complaint received 2019-04-07
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. (GA)

XXXX XXXX XXXX XXXX {$6500.00} & XXXX XXXX {$750.00} There are no valid claims, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2021-02-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (TX)

NCB Management has been calling 2-3 times a day M-F, for the past XXXX months, even after I have told them over the phone and through email that I don't owe any debts to anyone. 

They call from multiple phone numbers : XXXX, XXXX, XXXX. These are just a few. I think in total I've counted 6 different numbers they've used.
Consumer complaint received 2019-04-07
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: LANIER COLLECTIONS AGENCY AND SERVICES INC (GA)

: I have recently been informed again that there is negative information reported by LANIER COLLECTION AG in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings of {$260.00}, {$530.00}, {$64.00}. I challenge the accuracy, compliance and reportability of these listings. 
There are no contracts, no valid claim ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twice or reported wrongthis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Consumer complaint received 2018-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

XXXX XXXX XXXX IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. 

Under the law, they are NOT suppose to do that! That is considered collection activity! 

This Debt needs to be deleted immediately. I have NO signed contracts with them OR THEIR CLIENT!! 

XXXX XXXX ACCOUNT # XXXX
Consumer complaint received 2018-12-27
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. (PA)

During transunion breach Inquiries were removed then placed back on report without a 5 day notification of re inserting items on my report Inquires dated from XX/XX/XXXX-XX/XX/2018 & XX/XX/XXXX-XX/XX/XXXX
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted 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. The items found within my credit report that I listed on the following pages 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 some accounts. All is being investigated by the FTC.