davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Foundation Title & Settlement Services, LLC (HI)

I HAVE REPEATEDLY TRIED TO GET A RESPONSE FROM XXXX XXXX, AND FOUNDATION TITLE & SETTLEMENT SERVICES , LLC BECAUSE THEY HAVE HELPED AND OR BEEN NEGLIGENT AND ALLOWED THE SALE OF A HOME WITH FORGED COPIES OF MY NAME ON THE PAPERWORK. I HAVE NOT EVER SIGNED ANYTHING FOR THEM SO WHEN THEY FIND MY SIGNATURES, THEY SHOULD KNOW THAT 1. THEY ARE FORGERIES AND 2. THE PERSON WHOM SENT THEM THE SIGNATURES IS GUILTY OF A MYRIAD OF DIFFERENT CRIMES INCLUDING REAL ESTATE FRAUD. I WANT COPIES OF ALL RELEVANT PAPERWORK AND ANY DOCUMENTATION ATTACHED TO MY NAME, SIGNATURE AND INFORMATION IMMEDIATELY IN ORDER TO TRACK DOWN ALL POSSIBLE OTHER FRAUDULENT USAGE.
Consumer complaint received 2022-02-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

1. 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 FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 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 FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. 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 FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-07-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (CA)

On XX/XX/2023 I got an email that a Chime account was opened in my name. I never opened this account. When I called them, they had to verify my identity so I learned that they have my email, name, last four digits of my SSN, phone number, and birthday. I was able to successfully close my account with them.
Consumer complaint received 2021-06-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

On XXXX XXXX started a paypal account to receive money for an accident that was settled out of court. I had never used paypal before but it was the only way the sender said he could send it. I started the paypal page without knowledge that I couldn't link a prepaid debit card. On attempt to connect my XXXX XXXX card it didn't link. I tried my XXXX card it wouldn't link. I thought I could link my spouse card cause it was an actual bank card only because I'm allowed to do so on XXXX XXXX. In doing so I seem to have violated paypal security policy an was locked out my account I received an email that said the account was permanently locked an I would have to wait 180 days. I found that a lil hard to swallow so I continued to call and speak to different reps and one told me if I submitted the my id an my spouse bank statement they would see it review it an my money would be released in the hour. I did so an didn't receive a email back so I tried to call back an the office was closed. So the next day I called an they said they received the documents an it was not going to be able to take the limitation off the account and I would have to wait 180 days. This is a big inconvenience because like I said initially the money was for repairs of my vehicle an in turn it hasn't been fixed an my spouse is at risk of losing his job an no money is coming in to pay bills because we don't have transportation. I have all documentation including the source of the money to prove no fraud had been committed. I understand I am being penalized for ignorance an they have every right to close the account but to hold my funds is Ludacris to me.
Consumer complaint received 2024-03-05
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. (OH)

For a few months I have tried to communicate with this company but I can not get through to them through email or even through phone. I never signed a contract with this company and they fail to provide proof of a signed contract. This is in violation of my rights. I have reported this many times and nobody seems to do anything about this even if it is illegal.
Consumer complaint received 2021-06-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion recieved my dispute on XX/XX/2021. There was no investigation opened nor was I informed of any results.
Consumer complaint received 2021-06-11
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AES/PHEAA (MN)

On XX/XX/2020, in the Federal Bankruptcy Court of the state of Minnesota, XXXX XXXX XXXX XXXX officially ruled any and all debt theough AES to be disallowed. AES and any other Lenders, or Debt collectors that are connected to AES were informed by Attorney XXXX XXXX to file paperwork proving that said debt was in fact owned by the lenders that AES was servicing. AES was given 90 days to provide documentation as well as show up and appeal. They did neither. Because of their actions 5 orders of disallowing further claim of debt were filed and signed. AES claims that private students loans can not be discharged solely through Bankruptcy, but have to go through adversary proceedings and be proven to cause extreme financial hardship. In this case proceedings wefe had amd evidence was shown. These debts are no longer valid according to the Federal Bankruptcy Court. AES has refused to communicate with attorneys and provide any documentation that would prove otherwise. My name was signed fraudulently to these loans and AES refuses to assist in filling any sort of fraud documentation. They say they need a police report, but the police will not file a case against an entity that no longer exists. They can investigate a company that no longer exists. AES is allowing for these fraudulently accounts to remain open and active, and refuses to close them, even though the original lender closed their doors XXXX XXXX AES was attempting to collect the debt then as well stating that the company was still open and until XXXX contacted them, they would continue to collect money, even though they were never paying XXXX. AES only changed the lender in XX/XX/2020 from XXXX to XXXX. I am not responsible for any of this debt and I want it removed from my name.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2022-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2021-06-11
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. (FL)

XXXX XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

My house was sold and the loan was paid off. It did not go into foreclosure. This is a mistake, please correct it. Please remove the foreclosure remark from my credit report ASAP.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2021-06-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Management Control, Inc. (FL)

XXXX, XXXX M SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CREDMGMTCNTL 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 CREDMGMTCNTL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2022-02-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC. (NE)

My loan started XX/XX/XXXX with first monthly payment of {$49.00} due XX/XX/XXXX. That Automatic payment was deducted from my checking account XX/XX/XXXX ( # XXXX ), XX/XX/XXXX the second {$49.00} payment was deducted from my account as agreed ( # XXXX ), XX/XX/XXXX the third payment of {$49.00} ( # XXXX ) was deducted as agreed. 
BUT on XX/XX/XXXX a {$600.00} payment was deducted from one of my accounts. I have no idea why or how and had the bank reverse it. 
In XX/XX/XXXX, instead of deducting the contract agreed amount of {$49.00} from my account, you tried to deduct {$640.00} which the bank reversed. From then on, this account has been a mess. 
I had my bank send a check for {$120.00} ( check XXXX ) that cleared my bank on XX/XX/XXXX which should show me ahead on my payments, yet you show I am still behind PLUS when I have tried to talk to someone about this in your customer service department, I am told I am past due. I also see that instead of the AGREED per our contract of 0 % for 12 months and 29.99 % for the remaining 12 months. You are showing, per a conversation with one of your customer service people. That my account is now at 29.99 % before the XX/XX/XXXX date on the contract and all my statements. 
Nobody in the customer service could explain why all this has happened nor will they clear up my account. 
I am sending what I believe is the payoff amount, original loan minus payments made. I do want to clean this up and get rid of this albatross around my neck.
Consumer complaint received 2022-12-03
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. (OR)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of account which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00}. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2022-02-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MA)

I have Federal Direct Student Loans. When the limited waiver was announced for loan forgiveness, I phoned FedLoan Servicing on XX/XX/XXXX and spoke to XXXX to ask about consolidating all of my direct loans into one loan - as I understood was a requirement in the PSLF Limited Waiver guidance. I was informed by XXXX at FedLoan ID XXXX that since all my loans were direct, I did not need to consolidate. I did additional research and learned that when you consolidate, the limited waiver would look at your highest payment count and you would receive forgiveness if you met the 120 qualifying payments and eligible employment. I phoned FedLoan several more times, XX/XX/XXXX and spoke to XXXX, XX/XX/XXXX and spoke to XXXX and phoned again on XX/XX/XXXX and spoke to XXXX again. I continued to ask for clarification about consolidating. Each time I was informed that I did not have to consolidate because all of my loans were direct. On XX/XX/XXXX I was partially forgiven under the waiver for loans that met the 120 payments. If I had consolidated all of my loans when I first called FedLoan in XXXX, I would have received full forgiveness because the 120 payments would have been met by the waiver applying the highest payment count. I was misinformed each time I phoned FedLoan. I phoned again on XX/XX/XXXX and spoke to XXXX ID XXXX and she confirmed that they were all a little confused about the waiver rules but confirmed that I was partially forgiven. After much discussion about the waiver rules and reading the guidance together she agreed that if I had consolidated I would have received full forgiveness.
Consumer complaint received 2019-10-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: U.S. BANCORP (CO)

I have been a US Bank customer since XX/XX/XXXX In XX/XX/XXXX I  opened an individual checking account with a reserve line attached to that checking account. My daughter XXXX XXXX XXXX was XXXX years old at that time. In XX/XX/XXXX I requested a check debit card for my daughter in order to provide access to an ATM for emergent withdrawals from MY checking account while she was away attending college. XXXX XXXX XXXX was never added as a signer or guarantor on the account, she did not have access to online banking, she did not make any deposits or payments to the checking or reserve accounts. She was an XXXX year old college student. She did not have any credit history. For over 4 weeks I have been attempting to remove XXXX from my account. After 3 visits and 4 hours, and sending my daughter to a California branch for 2 hours, XXXX XXXX, Branch Mgr at XXXX XXXX Branch told me his title was just a title and he couldnt help. On XX/XX/XXXX, I contacted the Main Branch. There was no answer all day. I contacted the toll-free customer service number. They tried to transfer me to the Main Branch. They were not able to reach anyone or even a voicemail, all day. On XX/XX/XXXX, I called the Main Branch. XXXX explained, there were a lot of people on vacation the previous day and they were busy helping other customers and therefore could not answer the phone. On XX/XX/XXXX, XXXX XXXX called. On XX/XX/XXXX, after 10 calls since XX/XX/XXXX, XXXX stated shes new in her position and doing the best she can but cant help. She stated all records are destroyed after 7 years. If that is the case then US Bank would not have proof that I am obligated to repay my loan on my reserve account. I requested a copy of the agreement and our signatures showing XXXX agreed to be a responsible party for my debt. The only document I have received is a pamphlet titled, Your Deposit Account dated XX/XX/XXXX. I am requesting copies of MY agreement and to have my daughter removed from MY obligation.