davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-20
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 ()

Paypal permanently limited my account for no reason for 180 days today on XX/XX/2022.. i was not even notified for such actions.I am requesting paypal to restore my account inoder to withdraw my {$690.00} funds to us during this diffucult period of COVID.I am totally confused and harrassed for such acts. kindly help me secure my account and withdraw the funds as well. my paypal account email is XXXX XXXX
Consumer complaint received 2019-06-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (NC)

I have received multiple calls regarding loan forgiveness programs that are available with the settlement of the Navient lawsuit. From my understanding this seems to be a scam. I'm not sure how I need to handle this but I am getting multiple, harassing phone calls. They ask for very specific information and try to charge a fee for their " services. ''
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 — Their investigation did not fix an error on your report
Company: Mercedes Benz Financial Services (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/19 Balance : {$22000.00}
Consumer complaint received 2019-06-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Sent dispute letters to TransUnion, XXXX  & XXXX  asking for verification ( original wet live signatures ) on ALL ACCOUNTS on credit report. No information was provided on how accounts where verified, did not receive original wet live signature contract copies as requested on dispute. 

On XX/XX/2019 dispute letters where received by all 3 credit bureaus mentioned above. 30 days after receipt I was given no information on how the accounts on my credit report where verified nor was I given a copy of a wet live signature that binds me into contract with any of the accounts reporting on my credit file. I have attached a photo of the certified mail receipts.
Consumer complaint received 2023-07-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CMG MORTGAGE, INC (PA)

On Wednesday XX/XX/2023 XXXX XXXX XXXX, Branch Manger ( NMLS # XXXXCorporate NMLS # XXXX ) at CMG Financial in XXXX XXXX South Carolina sent me a link to start the mortgage application process online. I completed the application the day it was received. I then sent a message to XXXX XXXX informing him that it was complete and asking for guidance in adding two co-borrowers to my application. After a week with no response I texted, XXXX XXXX and waited. I sent a text, no response. On XX/XX/XXXX, I sent him an email asking about his health. I assumed, maybe something was wrong with him or his family. After several emails, text messages, and phone calls going unanswered, I call his office receptionist. The receptionist forwarded me XXXX XXXX XXXX supervisor, a XXXX XXXX XXXX. I left a message with XXXX XXXX explaining my need and asking for a return phone call. As of XX/XX/2023, I have not heard from XXXX XXXX or XXXX XXXX, in affect they have " ghosted me ''. 
I submitted personal and financial information to CMG, I would like them to delete my information from their system and send me verification of the removal. 

I don't believe a reputable company would behave in the manner that these two have. Therefore, I have elected to not do business with them and want anything I have submitted removed from their data banks. I can't trust these people nor this company.
Consumer complaint received 2019-06-17
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. (TX)

Equifax is reporting 2 collections from XXXX XXXX XXXX. 
I spoke to Equifax and start a dispute but i was told this account will stay in ur credit file even if XXXX XXXX XXXX did not respond to us within 30 days they will close the case and accounts will stay and it is against my right.
Consumer complaint received 2019-06-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

PORTFOLIO RECOVERY A is reporting 2 collections account to my credit ( XXXX ) i do not own this debt and i called them and they said yes you do not have an account with us but theu still reporting the debt.

this 2 collections hurt my credit and stopped me from getting Mortgage.

i would like this 2 account to be removed asap. 
thank you
Consumer complaint received 2023-04-10
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. (TX)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Dispute of XXXX XXXX  XXXX Account XXXX, XXXX XXXX XXXX On XXXX, XXXX XXXX XXXX  on XXXX, XXXX XXXX  XXXX. on Transunion. 

I am writing to dispute the account information related to my XXXX XXXX XXXX account, as it contains inaccuracies and discrepancies. The account details provided by your credit reporting agency do not align with the payment history and status of the account accurately. I request a thorough investigation and correction of the following discrepancies. 

XXXX : The information provided by XXXX states that the first payment on the XXXX XXXX XXXX account was made in XX/XX/XXXX. However, my records indicate that the first payment was made in XX/XX/XXXX, followed by clean payments until XX/XX/XXXX. According to your report, a 30-day late payment and a CLS ( closed ) status are indicated for XX/XX/XXXX. This is inconsistent with my payment history. 

XXXX : The information provided by XXXX indicates that the first payment on the XXXX XXXX XXXX account was made in XX/XX/XXXX. However, this is incorrect. The actual first payment was made in XX/XX/XXXX, and clean payments were made thereafter. The report shows two consecutive 30-day late payments for XXXX and XXXX, which is inaccurate. My payment history reflects a single 30-day late payment during that period. Furthermore, the report indicates clean payments until XX/XX/XXXX, which does not align with the accurate payment history. 

TransUnion : According to TransUnion 's information, the first payment on the XXXX XXXX XXXX account was made in XX/XX/XXXX, followed by clean payments. However, the report shows no information beyond XX/XX/XXXX. This is incorrect according XXXX which has my payments all the way until XXXX of XXXX, It gets confusing, and there are missing updates regarding the account status. 

I kindly request that you conduct a comprehensive investigation into these discrepancies and rectify the inaccurate information on my credit report accordingly. Please provide me with a written confirmation of the investigation results and any corrections made to the account information. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (TX)

I had my Well 's Fargo account closed and I was never alerted that my account was closed or being closed because i was under XXXX and under account which allowed me to have a XXXX balance with fees until I turned XXXX years old until I tried to send money to my account through XXXX.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (NC)

My late payments should not be on my consumer report as recorded with federal law. Also theres inaccurate information being reported from the same person they report. On my report for the car loan and late payments. Experian shows 2 30 days and XXXX shows 3 30 days as well as Experian shows 2 90 days and XXXX shows 1 90 days. More information being wrongfully reported the term length on Experian says 78 months and term length on XXXX is blank. Last payment on Experian says XX/XX/XXXX and on XXXX says XX/XX/XXXX if they getting that same information from the same person why everything isnt adding up not only not adding up. Information thats not suppose to be reported without my written consent is being reposted ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2023-02-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Opportunity Financial, LLC (MO)

In accordance with the fair credit reporting Act this creditor has violated my rights Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC section 604 section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USCS 1666b a creditor may not treat a payment on credit card account under an open consumer credit  plan as late for any purpose. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opp loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-14
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. (IN)

I am writing this personal statement to address the issue of unauthorized inquiries on my credit file. It has come to my attention that there are inquiries listed on my credit report which I did not authorize or initiate. This situation is concerning as it can impact my creditworthiness and financial standing. I understand the importance of accurate credit information and the potential negative effects of unauthorized inquiries. Therefore, I kindly request your assistance in promptly removing these unauthorized inquiries from my credit report. I want to emphasize that I did not grant permission to the entities associated with these inquiries to access my credit information. After thoroughly reviewing my financial records, I have confirmed that I did not initiate any credit applications or authorize any inquiries during the relevant period. These inquiries do not reflect my credit activity and should be removed from my credit report.
Consumer complaint received 2023-07-14
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. (NY)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-05-11
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. (MD)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights due to the following : 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.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-11
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. (GA)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$790.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-05-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (VT)

My original mortgage loan was sold to PennyMac mortgage servicing company several years ago. Ever since several times a year I receive harassing phone calls and letters from the company demanding that I send insurance verification or some other documentation that is not even my responsibility to obtain. Even worse, when I go out of my way to have the documents sent, they continue to barrage me with calls and harass me about it. When I finally got someone on the line and explained that it had already been sent, they spend 15 minutes looking and found the requested document. So even when I provide what they are asking for at great inconvenience to me, they do n't process it and continue to harass me over it. They should get the documents directly from the HOA and not harass me seveal times a year when the insurance policy is updated.
Consumer complaint received 2015-07-15
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (TX)

I am a co-signer for XXXX student loans for my daughter approx. XXXX years ago. I have paid on them when my daughter was unemployed for a few months and when she was employed, she took it over along with her other student loans that I am not named on. She went back to school and received her XXXX degree and was under-employed for a year and could n't pay it. These were private XXXX XXXX loans that subsequently went to navient to collect. My daughter tried to negotiate a lower price so she could continue paying on the loans, but that was denied and late fees and harassment have followed. As of XX/XX/2014- they turned to me on the cosigned loans. I began paying them and found that the money I paid was going to whatever loan she had that was the furthest behind and therefore my credit started getting hit and I received notices from XXXX credit card companies cancelling them because of my newly destroyed credit rating. I am XXXX and have had excellent credit until Navient hit. I have looked at my account and found nothing that correlates with the payments I have made. In addition, the amount I owe on any given day changes drastically and what is on the internet account is something entirely different. I am living on social security that is not enough to pay my bills and my ability to pay all these different amounts they throw at me. Why is there no one who can help? I am going to make a payment in a few minutes that I have no idea where it will go. Can you please help with this? The XXXX XXXX XXXX was taken out for XXXX XXXX College in XXXX, Texas
Consumer complaint received 2024-02-04
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (MO)

Hello, I am requesting that the following student loan accounts be removed from my credit report or updated to XXXX balance because they are paid in full as on XX/XX/2024. 
1. Missouri Higher Education Loan 2. Dept of ED/Mohela
Consumer complaint received 2017-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

I am applying for a mortgage loan. I was denied because of not having a  XXXX  on my credit report. I knew my credit was n't great, but below a  XXXX  seemed incorrect. I paid for my credit report from Experian. The report I paid for gives me a score  XXXX .     When I forwarded this information to the bank, I was told Experian sent them a report stating my score is  XXXX , with  XXXX   &   XXXX  scoring me even lower.     I asked the woman at the bank if this was common, her response was " Let me just say that the scores we have are usually lower than the ones consumers tell use they are given by the actual agency. '' Considering the importance of these scores, how is it legal to sell information that is different to two separate parties about the same individual?     People are more th an a 3-digit credit score &  companies who have such a large role in determining such important aspects of Americans lives ' must operate fairly.     Experian is either lying to me or lying to the Bank, neither of which is of any comfort to me. I can not buy a home due to this error/falsehood.     It is your responsibility to oversee these companies & protect consumers.     Do your job, please.
Consumer complaint received 2016-02-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Basically what happened is before XXXX in 2015 someone that I do not know deposited checks into my bank account in the amount of XXXX dollars and withdrew the money from an atm in XXXX. I changed my password immediately on my USAA app on my phone and reported this fraudulent activity to USAA. I did not hear anything from them and suddenly my bank account was frozen and my account was XXXX. Shortly after I was unable to get any of my XXXX paychecks and the bank said that money can only go in not come out. I have not received any paychecks since this time and now they say that I owe XXXX to reopen my account. I am a XXXX veteran and times are tough I can not pay the XXXX and in addition to that I am unable to work to make any extra funds. would just like my money back that is mine and was payed to me from the XXXX administration and from social security. I have had Usaa for approximately 9 years and I feel like they have left me for chopped liver. Any help would be greatly appreciated. 

very respectfully, XXXX XXXX