davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

Hello This is a complain against LoanCare / ( XXXX ) XXXX / XXXX XXXX XXXX, XXXX XXXX, VA XXXX. 

Before I explain, please look at their XXXX review : https : XXXXXXXX XXXX I have had several issues with this company. But this complaint is about me trying to get my pay off amount. I called, emailed, and used their website to get a pay off amount in the last 3 months. This company is purposely ignoring my request so I am forced to pay more interest. Please help.
Consumer complaint received 2022-08-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (VA)

I never requested my loans to go into in-school deferment and always paid towards them every month in XXXX : XXXX, respectively. I have XXXX payments in which Fed Loan Servicing has not counted as qualified payments despite my several request.. 

Fed Loan Servicing has already acknowledged by letter that my in -school deferments were removed on XX/XX/XXXX and forbearances were removed XX/XX/XXXX for the periods mentioned ( XXXX ; XXXX ). The in-school deferment was removed due to the School Related Deferment Waiver Form I made at least 39 payments during this time, if not more, and should have these payments moved as qualified payments. I have asked how to make this happen, and was told to request a bill be generated. I have requested for a bill to generated several times for the system to capture these 39 payments on three occassions via phone on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have also called to inquire in XXXX, and have sent notices via the website and have uploaded supporting files. 

I am complaining to the CFPB since Fed Loan Servicing is my student loan servicer, knows of the 39 payments, as well as have sent me a copy of my payments which actually totals more than 39 payments. I am asking that Fed Loan Servicing generate a bill for all payments where my in-school deferment waiver was approved, in which I was told will allow my qualified payment count all 118 payments I made under the PSLF and TEPSLF student loan forgiveness program. My loan should be forgiven or close to with forgiveness with having 118 out of 120 payments discovered as of XX/XX/XXXX. My original PSLF application was submitted in XX/XX/XXXX. I have had and still have a qualified employer job since XX/XX/XXXX up to the present. I have made, at a minimum that has been found to date 118 payments as of XX/XX/XXXX. 

I never requested my loans to go into in-school deferment and always paid towards them every month in XXXX. 

Any months in which a customer had time in a repayment status, regardless of the payments made, loan type, or repayment plan ( as with the Limited PSLF Waiver ), should be counted as qualified payments. 

I would like my count of qualified payments updated immediately, and able to prepay my last two months of payments to secure PSLF and TEPSLF Loan Forgiveness.
Consumer complaint received 2023-05-08
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. (SC)

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 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 2020-09-24
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: First Direct Mediation (CA)

I received a text message early today from an unknown number, saying I had to contact them about a failed bank transaction and that it was urgent for me to call them. I called back and spoke to a gentleman he stated he worked for a company called First Direct Mediation, based out of XXXX, NY. He asked about a loan I took out years ago from plain green loans and I explained to him that I paid them over 3000 more than my XXXX I took out and the outstanding balance was because I asked for 2 extensions during the time I was making payments to the loan. He tried to set me up on payment plans and I told him he was crazy because I cant pay that much in a month especially during this time with COVID-19 he said he will talk to the creditor to see what he can do but if I do not call back before 5 he will file it with the court. This is really disturbing for agencies to falsify and threaten people this way.
Consumer complaint received 2021-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America charged my credit card with an item I did not purchase. After 10 months, they eventually recognized that I had not made nor authorized the purchase and removed the charge from my account. However, they continue to charge late fees and interest on the fraudulent charge. I have not made any further purchases on this card and have asked them to remove all of the late charges, fees, and interest and close this account. They have not.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AR)

i am a natural person, i am a livng human being. i have right under 15 usc 1681 experian is goven by 15 usc 1681. and they violated my right numerous of times. i demand the accounts listed below be removed because According to 15 USC 1681 i have the right to privacy I did not give XXXX written permission to furnish these accounts Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc. (VA)

I currently have a pending warrant in debt with a company that is not listed on my credit at all. I have checked all three and nothing matches, not the account original holder, amounts or even the collection agency. I believe this to be deceptive. I do not even have an address for the collection agency. I currently have attorney information and a statement. Looking at my credit reports the original creditor is not even listed in any form. The amount of the debt listed on the warrent is XXXX. The attorney is listed as XXXX XXXX XXXX, XXXX. located at XXXX XXXX XXXX XXXX XXXX, VA XXXX stating under oath that i have an open/active account with Credit Corp Solutions INC . Breach of contract with XXXX, but nothing anywhere else.. How am I to obtain any information when none exists? How are they an owner of an account that is not being reported and I have no other information on?
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX has been reporting fraudulent mortgage payment amounts to the credit companies. And then used these fraudulent numbers to file for foreclosure on my home. In a correspondence dated XX/XX/XXXX from XXXX XXXX Complaint Specialist XXXX XXXX. She stated " Principal and interest payments of {$1000.00} starting on XX/XX/XXXX for 30 years. '' Also she admits that XXXX XXXX XXXX XXXX. Can not produce proof that they gave me any type of Loan. Stating " XXXX must decline your request to produce a signed contract proving that funds were provided in the form of a loan ''. However XXXX XXXX XXXX XXXX has reported to all three credit agencies that I'm delinquent for the payment amount of {$17000.00} per month. This fraudulent amount is not the amount of my original loan from XXXX XXXX that I have a signed contract with. They have admitted to fraudulent action and extortion of funds and proof that they have no contract with me to demand anytime of repayment.
Consumer complaint received 2022-08-17
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is XXXX XXXX and I am submitting this complaint today to inform the Credit Reporting Agencies that they have failed to comply with my request and continued reporting the disputed items on my Credit File without sending me copies of documents of verification! I have been sending multiple letters addressed to the Credit Bureaus requesting that they reinvestigate the disputed items from my credit report as well as temporarily remove or update these items from my report during the investigation period. As of this date, they have failed to respond to my requests. Again, please reinvestigate if the following items are inaccurate, incomplete and outdated. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of of the following items as I believe these items are reporting erroneous information on my Credit Report : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance XXXX {$12000.00} XXXX XXXX XXXX XXXX Balance XXXX {$3000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$920.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX  XXXX XXXX Balance : {$4400.00} XXXX XXXX  XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2700.00} XXXX XXXX Balance : {$1600.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$540.00}
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (RI)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-08-17
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. (TN)

I HAVE RECENTLY BEEN DISPUTING FRAUDULENT LOAN ACCOUNTS THAT ARE MY EQUIFAX CREDIT REPORT AND THESE UNAUTHORIZED LOANS ARE STOPPING ME FROM BUYING A HOUSE FOR MY FAMILY ALONG WITH CAUSING MAJOR DISTRAUGHT I HAVE BEEN A VICTIM OF IDENTITY THEFT I HAVE FILED MY FTC REPORT ALONG WITH MY POLICE AND I HAVE SENT ALL OF THESE DOCUMENTS AND THEY ARE ALL DOCUMENTED AND ON FILE AND THESE FRAUDULENT ACCOUNTS ARE STILL COMING BACK VERIFIED AND I DONT UNDERSTAND WHY ACCORDING TO THE FAIR CREDIT REPORTING ACT THESE ILLEGAL FRAUDULENT UNAUTHORIZED ACCOUNTS NEED TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY FOR I HAVE TAKEN LEGAL ACTION WITH MY ATTORNEY TO ASSIST IN MAKING SURE THAT EQUIFAX FOLLOWS THE GUIDELINES OF THE FAIR CREDIT REPORTING ACT THE FOLLOWING ACCOUNTS NEED TO BE REMOVED IMMEDIATELY 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX  XXXX 4. XXXX XXXX 5. XXXX XXXX  XXXX XXXX 6. XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-08-17
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)

In accordance with the Fair Credit Reporting XXXX XXXX XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXX  acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX  acct # XXXX, XXXX XXXX  XXXX acct # s XXXX & XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. Stress i have the right to privacy.

15 U.S.C 1681 section 604 A section 2. It alson states a consumer reporting agency can not furnish a account without written instructions
Consumer complaint received 2020-09-24
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. (GA)

I have sent notices informing the credit reporting agency that the information they have on file is the result from identity thief, but they have refused to block the information and do a thorough investigation even though I sent a police report, reported from FTC and sent other correspondence to get this issue resolved. They have failed to remedy the matter and have not provided me of any documents which would verify why they would have these negative marks on my report which is causing economic harm. I have sent and recorded all correspondence that was sent certified mail for my record. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX  XXXX account # XXXX date opened XXXX account # XXXX date opened XXXX account # XXXX date opened XXXX address : XXXX XXXX XXXX XXXX, VA XXXX XXXX
Consumer complaint received 2019-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

After being struck by another driver that ran a red light on XX/XX/2019, our financed vehicle was deemed undrivable and towed to an impound lot. 
The other party in the accident was at fault, but her insurance company took a long time to accept the claim ( finally accepting responsibility and agreeing to pay off our auto loan, plus additional compensation on XX/XX/2019 ). 
Meanwhile our car sat in an impound lot and the towing company, seeking to be paid, attempted to file a lien on the vehicle without contacting us. 
XXXX XXXX XXXX, with whom we have a $ XXXX loan on the vehicle and to whom we have continued to make payments timely and in full, received notice of the lien. They then determined that the damaged vehicle was worthless, and declared it abandoned and placed our loan in charge off status again without contacting us. 
Until XX/XX/2019, we had no knowledge of the attempted lien or negative credit reporting. If we had known, we would have simply paid the towing company and/or XXXX XXXX XXXX and sought recovery through insurance once the claim was accepted. 
We spoke with XXXX XXXX XXXX ( XXXX ) on XX/XX/2019 and were informed that once they receive payment from the insurance company they will contact the credit reporting agencies to have that charge off removed from our record. Although they acknowledged the credit reporting needed to be corrected and that we have always paid in full on time ( the loan was never delinquent and is not currently in charge-off condition ), they will make no effort to correct this until they have been paid in full. We offered to pay in full to speed up the correction process, but they advised us to allow the insurance company to complete the payoff process that is already underway. 
Unfortunately, we are currently in the process of obtaining a mortgage ( primary residence ) and this negative and erroneous credit reporting could interfere in our ability to obtain that financing. 
We respectfully request your assistance in encouraging ( if not enforcing ) prompt and accurate credit reporting by XXXX XXXX XXXX in this matter. If this is not remedied swiftly, it could have significant implications for our personal financial situation that are unjust and unwarranted.
Consumer complaint received 2022-08-17
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. (AR)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX Balance {$5000.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance : {$720.00}
Consumer complaint received 2020-09-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XX/XX/XXXX - {$1300.00} Payment Posted ( XXXX to Mortgage / Addt {$500.00} to Escrow ... escrow portion never properly credited ). 
XX/XX/XXXX - {$810.00} Payment Posted ( Seems to be system error ) XX/XX/XXXX - ( {$650.00} ) Paid to Hazard Insurance XX/XX/XXXX - {$300.00} Additional Escrow Payment Posted ( credited correctly ) XX/XX/XXXX - ( {$810.00} ) Misapplication Reversal ( to correct system error on XX/XX/XXXX ) XX/XX/XXXX - ( {$500.00} ) Misapplication Reversal ( this should not have occurred ) The original {$500.00} payment to error has not been credited nor has a refund check been sent out. Lender has not accounted for the payment portion nor explained why Misapplication Reversal for that amount happened on XX/XX/XXXX.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX Balance {$5000.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance : {$720.00}
Consumer complaint received 2019-04-17
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. (TN)

I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2022-08-17
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. (NY)

This is my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 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 following account need to be removed as they are fraudulent. 

XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}. 

If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS TransUnion : # HK # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Consumer complaint received 2020-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (FL)

I made XX/XX/2020 payment before the end of the month. However, Suntrust Bank did not properly process my payment until 6 days later. Due to this delay, my payment was posted over 30 days late. I think it unfair since it is not my mistake and I had plenty of funds in my account to pay my mortgage.
Consumer complaint received 2022-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My Capital One XXXX XXXX  card has been restricted for spending since XXXX. I contacted Capital one via phone and they said a special team is handling and that they would contact me in 10-14 days. No one contacted and when i called again they couldn't resolve it again. On my insistence they gave me a link to submit government ID and that link doesn't work. Errors shown in attached document. 
I contacted their Head of US Fraud Prevention via XXXX XXXX  message and didn't get response for several weeks ( screenshot attached ). 
I contacted them via XXXX and their generic response is to call a XXXX XXXX # XXXX XXXX XXXX which doesn't respond at all. 
I tried all attempts since 60 days and receiving no support to remove restriction. 
I have excellent credit history and multiple capital one cards and never had even one late payment. so this is all very disappointing on how they are not resolving.