davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-21
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. (FL)

I recently check my credit report and realized XXXX XXXX reporting so many late payments, I have contacted the credit bureau about this issue, and it hasn't been fixed .... As a US citizen of the United states I believe this is completely unfair because this issue is damaging my reputation!! I am being denied credit, and my credit score has decrease dramatically. I do not recall ever being late all my car payments. Under TheFair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, is U.S. Federal Government legislation is supposed to promote the accuracy, fairness, and privacy of consumer information and It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports so I am asking for you guys to please fix this issue ... Thank you so much!!! I appreciate you taking the time to read my statement.
Consumer complaint received 2023-04-05
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. (NJ)

Please dont close this complaint down this is a real complaint made by me a human being. so i noticed some accounts on my credit that i did not sign up for and i called the creditors and they can not produce a contract with my signature on it and then i reached out to the credit bureaus and they did not remove the identity theft either. so now im doing this complaint with you guys to hopefully get things taken care of.
Consumer complaint received 2019-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (MO)

My student loans are serviced by Navient. I had a payment due in XXXX that I overlooked. They have all of my information on file, including the correct address and phone number. I've received zero calls or letters, but my sister received a letter from them trying to locate me, and asking her to call them. That is a third party disclosure of my debt and is illegal under the FDCPA.
Consumer complaint received 2019-09-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (MA)

I refinanced with XXXX XXXX on XX/XX/XXXX, funds received by PHH mortgage on XX/XX/XXXX and reconciled on XX/XX/XXXX. On XX/XX/XXXX I notice PHH continued to bill me for 2 months mortgage payments and reported to my credit that I Was now 60days delinquent. I called several times to PHH and continue to be put on hold with no one ever coming back. I was told by PHH that the funds had been returned to XXXX because it was short of the payoff they sent. I have all documents and the pay off was accurate yet PHH continued to bill me. All of a sudden I am now being told the funds have been returned to XXXX XXXX  on XX/XX/XXXX. PHH held the funds for 6 weeks  before returning them to XXXX XXXX. I am currently in a battle when all I wanted to do was a simple refinance and reduce my debt to increase my credit. At this point they have destroyed my credit and I cant understand how PHH could hold these funds for 6 weeks and not communicate with any of the parties involved for 6 weeks and continue to charge me daily interest.
Consumer complaint received 2022-06-15
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 (PA)

On XX/XX/2020, my PayPal account received XXXX deposits of {$240.00} from the state of Arizona and then was used to purchase a XXXX gift card for {$480.00}. It also used the bank account associated with my PayPal account to purchase {$100.00} of bitcoin at the time. This was done by someone without authorization to my PayPal account. I reported this suspicious activity to PayPal and they came to the conclusion that my account was permanently compromised and decided to close my account with PayPal. While I did not understand why my account would be closed if I myself didnt do anything wrong, I understood that after 180 days I would receive a link to transfer my funds from PayPal to my bank account. It has now been 9 months since the 180 day period has passed and I have not received any update from PayPal. I have called their support line, emailed their support team, chatted with a support agent online, and have received the same canned we have no information at the time on your account and to please wait for the email from us. I used my PayPal account for my partner to send their part of the rent and I still have my funds on my account. PayPal is just sitting on my funds for no discernable reason.
Consumer complaint received 2019-09-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (GA)

I have no idea who National Credit Systems is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. National Credit Systems is indicating that an account with the account number XXXX was opened with their company in XX/XX/2013. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

National Credit Systems did not respond or provide requested information when I contacted them via certified mail XXXX XXXX XXXX XXXX XXXX XXXX. They have never notified me of their claim. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized National Credit Systems as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ National Credit Systems } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to National Credit Systems, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Consumer complaint received 2019-09-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BMO Bank, N.A. (MO)

XX/XX/2019 deposit for XXXX $ XX/XX/2019 debit for XXXX $ XX/XX/2019 Debit for {$1600.00} returned XX/XX/2019 {$36.00} NSF fee accessed Institution refuses to credit nsf fee / merchant is also charging {$25.00} retuned item. In this case the bank states if I were to have taken the deposit to institution vs. submitting to the institution mobile the item would have been honored. Due to the posting order of items and the positive balance reflected on my account I had no way to predict or protect myself from the fees. This institution is notorious for inconsistency and ill compassion. Previous fee credits were bank errors.
Consumer complaint received 2019-09-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Data Systems (FL)

I have no idea who Financial Data Systems LLC is or who they represent. This company entered collections on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Financial Data Systems LLC is indicating that an account with the account number XXXX was opened on XX/XX/2013 and XXXX was opened with their company in XX/XX/2013. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

Financial Data Systems LLC did not provide any of the information requested and did not respond when contacted via certified mail RR XXXX XXXX XXXX XXXX XXXX When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized Financial Data Systems LLC as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ Financial Data Systems LLC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 

5. Provide the delegation of authority from the Director of the Office of Management Budget to Financial Data Systems LLC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

6. Provide the Certified Assessment Certificate. 


Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Consumer complaint received 2019-09-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

This issue is concerning several transactions that have been made. My main concern is that the reordering of deposits and transactions has caused me to lose hundreds of dollars. For example, when I deposit funds to cover future charges I experience a loss of funds. In this case, I had XXXX in one account. I transferred XXXX in another account to raise the account to take a taxi from XXXX. I had XXXX in the account. The ride cost me XXXX. I should have had XXXX as a balance. I then added XXXX to cover more taxi expenses. At time these deposits and transfers were made there was enough to cover my expenses on XX/XX/19. 

On XX/XX/19, I added funds to cover as well XXXX plus what was left in the account. In all of my deposits, they covered all of my expenses. There was no outstanding debts to the bank. I deposited a check for XXXX and now I'm in a negative status? This is what the bank does and has done to me for years. 

I'm losing funds. The bank registered that I had XXXX and when I reentered the online banking page via app I read that I've XXXX cents. I'm going to cancel my accounts because this is ridiculous. I'm a XXXX patient and rely on my funds when I check my accounts I find that they are always taking from me. My money is counted for. This should not be the case. 

Second issue was that my account was used to replenish funds for another personal account without my authorization. When I called a customer service representative admitted that the feature to take funds from one to replenish another was not something I opted for. The bank mismanages my accounts and seems to think that they can do whatever they desire with my funds. This is a violation of Federal Reserves laws and my rights and freedoms as a consumer. I'm closing my accounts. 

This is truly account abuse. I'm always losing funds. The best way to deal with this is to remove the account. No one really has reached out since my last complaint and when I do the person conducting the investigation always used the excuse that the bank was right and I'm wrong. They never take responsibility for what they do.
Consumer complaint received 2023-08-12
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. (GA)

XXXX XXXX XXXX is committing securities fraud and will not credit my account. I was sent a payment coupon/security by XXXX XXXX XXXX I endorsed the security/coupon for deposit into my XXXX XXXX account for deposit and XXXX XXXX XXXX reuses to follow instructions and deposit the security/coupon, according to UCC Article 9. XXXX XXXX XXXX is making a fraudulent claim that I owe them for a debt that I discharged with a Form 1099-C that I sent to their CFO two months ago. XXXX XXXX XXXX remains to report fraudulent information to Experian and XXXX Credit Bureaus, and this is against the consumer protection laws. According to the bookkeeping entries of XXXX XXXX XXXX involved in the extension of credit, did XXXX XXXX XXXX lend their credit as adequate consideration in the credit agreement or contracts? Yes or No? Did XXXX XXXX XXXX follow generally accepted accounting principles, XXXX? Yes or No? XXXX XXXX XXXX is making false statements and damaging my credit worthiness for no reason. I demand XXXX XXXX provide where the extension of credit that they claim I owe comes from? I reserve my rights under UCC 1-308. According to Chap. 48, 48 Stat. 112 the debt they claim I owe is already satisfied.
Consumer complaint received 2019-02-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CO)

XXXX XXXX XXXX  is reporting incorrect information on my credit report to Equifax and XXXX, resulting in a negative impact on my credit scores. They are reporting an account as 30 days past due when I do not owe anything on this account and there is no past due balance. This is coded as if I am currently late when, in fact, I am not.
Consumer complaint received 2019-03-15
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: GREAT LAKES (NJ)

I wasn't in school at this time In XXXX and I just noticed that I never Borrowed XXXX for XXXX University to me this looks like fraud I just noticed this now. 

Total Borrowed : {$27000.00} Outstanding Principal as of XX/XX/XXXX : {$34000.00} Outstanding Interest as of XX/XX/XXXX : {$1800.00} Interest Rate : 7.00 % Cumulative Payment Amount : {$390.00} Date Entered Repayment : XX/XX/XXXX Most Recent Payment Effective Date : XX/XX/XXXX Loan Period Begin Date : Loan Period End Date : School : SCHOOL CODE FOR CONSOLIDATION LOANS Enrollment Status : GRADUATED as of XX/XX/XXXX Loan Disbursement Date Disbursement Amount XX/XX/XXXX {$1.00} XX/XX/XXXX {$27000.00} Loan Status Status Effective Date IN REPAYMENT XX/XX/XXXX FORBEARANCE XX/XX/XXXX DEFERRED XX/XX/XXXX IN REPAYMENT XX/XX/XXXX FORBEARANCE XX/XX/XXXX IN REPAYMENT XX/XX/XXXX FORBEARANCE XX/XX/XXXX IN REPAYMENT XX/XX/XXXX FORBEARANCE XX/XX/XXXX DEFERRED XX/XX/XXXX FORBEARANCE XX/XX/XXXX IN REPAYMENT XX/XX/XXXX FORBEARANCE XX/XX/XXXX IN REPAYMENT XX/XX/XXXX Also devry is charging me for 2 classes that I withdrew from.Devry couldn't get it correct the first time with the paperwork of when I changed my major and they still had me in two classes of. 
ECT-125-0 Electronic Systems II w/Lab Credit Hours : 4 Final Grade : W Posted : XX/XX/XXXX ECT-125-0 Electronic Systems II w/Lab Credit Hours : 4 Final Grade : W Posted : XX/XX/XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CT)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 





UNAUTHORIZED INQUIRIES : Equifax XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

Dear CFPB Dispute Department, I am writing to file an official complaint and dispute regarding the inaccurate and unauthorized information being reported on my credit reports from the XXXX major credit bureaus - XXXX, Equifax, and XXXX. This erroneous information has caused me significant financial hardship and distress. 

I have been going through extremely troubling times, unable to receive financial assistance or qualify for housing due to false inquiries and negative items inaccurately listed on my credit reports without my knowledge or consent. These include inquiries from XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX - none of which I authorized. 

Despite repeatedly explaining my situation to the credit bureaus and disputing these errors, they have failed to permanently remove the inaccurate information from my file as required by law. This is preventing me from securing suitable housing accommodations for myself and my children, placing us in an extremely difficult living situation. 

Under the Fair Credit Reporting Act ( FCRA ), I have protected consumer rights that appear to have been violated : XXXX XXXX XXXX XXXX XXXX  ) requires credit bureaus to follow reasonable procedures to assure maximum possible accuracy of credit report information. 

XXXX XXXX XXXX ( XXXX  ) requires credit bureaus to reinvestigate and correct any inaccurate information once disputed by the consumer. 

XXXX XXXX XXXX ( XXXX ) prohibits any person/entity from furnishing information to a credit bureau that they know or should know is inaccurate. 

The continued presence of these inaccurate inquiries and negative items on my credit reports, despite my exhaustive efforts to correct them, demonstrates a failure by the credit bureaus and furnishers to comply with the FCRA 's accuracy and reinvestigation requirements.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I LOST MY PURSE IN A NIGHTCLUB THAT INCLUDED MY PERSONAL INFORMATION. I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I HAVE NO AFFILAITION WITH OR KNOWLEDGE OF. I HAVE NOT AUTHORIZED ANY OF THE ACCOUNTS AND/OR TRANSACTIONS. I ALSO SEE CREDIT INQUIRIES FROM XXXX AND XXXX XXXX. 
I CONTACTED THE CREDIT BUREAUS AND ALERTED THEM OF THESE ACCOUNTS WITH NO FORMAL RESPONSE. 

I HAVE NOT GIVEN ANY WRITTEN CONSENT FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IS IN VIOLATION OF XXXX XXXX XXXX FURTHERMORE, FURNISHING INFORMATION TO MY PROFILE RESULTING IN IDENITY THEFT IS IN VIOLATION OF XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (VA)

I keep getting negative collections on my XXXX report anytime I try to go finance a car. It seems like it is almost deliberate and most of the accounts are not verified. All information related to the companies were not available or identified and are old.
Consumer complaint received 2021-03-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

In XXXX of XXXX I received a letter stating from Santander bank that I had a escrow shortage of {$450.00}. On XX/XX/XXXX I wrote a letter to Santander bank reminding them that every month I sent an additional money to be added to my escrow account. I further inquired in the letter if the shortage was represented of these additional funds which would have been at the very least {$300.00}. 
On XX/XX/XXXX I wrote another email that I was still waiting for a reply regarding the addiotional escrow money I submitted every month and whether it was applied to the stated escrow shortage. I asked Santander when can I expect an answer. I received another standardized email from Santander that they would process my request as soon as possible and within the timeframe of the law. 
On XX/XX/XXXX I sent another email to Santander asking when do they propose to be able to answer this inquiry and what is the timeframe of the law? 
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I received postal letters from Santander regarding my referenced inquiry. There response was " We will make every effort to provide a response to your inquiry as promptly as possible. In any event, we will do so within the time limit required by law. 
As of now they I have still not answered my simple question.
Consumer complaint received 2019-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. 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