davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-19
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (CO)

We have had our mortgage with Loancare since XX/XX/XXXX and are in the process of selling our home and purchasing another. When I called to make our XXXX payment, I was not able to use the automated system and was sent to a customer service representative who proceeded to tell me that there was a partial payment that had been made on XX/XX/XXXX, that had bounced back, which was not at all the case. I went round and round with this person and then was handed off to three more people, who did not have any idea what had occurred with my account. This made me very uneasy as I thought that perhaps there was some fraudulent activity. I made my payment that day and never heard back from Loancare in regards to what had transpired. Fast forward to yesterday, when our lender for the new home called to tell me that we had a 30 day late payment show up for XXXX with Loancare. I called them and once again was given the run around. I have verification that they reported us as on time to the credit bureaus on XX/XX/XXXX, as I check my XXXX XXXX profile all of the time. What ended up happening is my husbands uncle paid our XXXX mortgage to help us bridge the gap financially as we had a long road in regards to selling our home. I found out YESTERDAY that payment had bounced back and created a domino effect. I did not receive one piece of mail from Loancare, nor did I receive a call regarding this, at any time, prior to piecing it together yesterday, XX/XX/XXXX. They conducted an internal investigation on our account on XX/XX/XXXX, I spoke with them a week later to make my payment and they reported on XX/XX/XXXX that we were current. All I want is for the late payment to be removed from my lenders report and would like a letter from them acknowledging that it has been removed. We are set to close on our home sale on XX/XX/XXXX at that time this loan will be paid in full. 

As you will be able to see with the attached documents and screen shots, there was zero communication regarding the XXXX payment bouncing back. I have a statement dated XX/XX/XXXX showing that we had the XXXX mortgage due by the end of the month. There is nothing on this statement showing a past due payment. The screenshots that I have attached are from last night and today, showing that we are current and that they reported this on XX/XX/XXXX.
Consumer complaint received 2019-09-19
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 (FL)

I recovered a old Paypal account and noticed I have remaining funds on the account. Since I no longer use the account I wanted to withdraw and close the account but the system would not allow me to receive a check. The error I receive is " Sorry, there's a problem. If you keep seeing this, please contact customer service. '' I contacted customer service by phone on XX/XX/2019 and stated because my account is restricted I can not cash out. Paypal is holding my own money hostage and basically stealing my money.
Consumer complaint received 2019-09-19
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. (FL)

My personal information had been stolen and account had been open in my name, I have been a victim in recent and passed data beaches, I had file an id theft report with the FTC, and I'm requesting these information to be block from my credit file.
Consumer complaint received 2019-09-19
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: ARS National Services, Inc. (FL)

My personal information had been stolen and account had been open in my name, I have been a victim in recent and passed data beaches, I had file an id theft report with the FTC, and I'm requesting these information to be block from my credit file.
Consumer complaint received 2019-02-13
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio recovery you keep sending letters stating no response you can not finish investigation But you state to the CRA 's that you validated the alleged account strange omission to guilt right. making false statements on credit reports, { fraud } in fact it's stated on your letter head. you also refuse any legal documents to come forward to support your claim the reason this is being report to the CFPB is for evidence that there has been response to you every time by return fax .there 's nothing for you but dispute
Consumer complaint received 2019-09-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

Trans World Services has been calling me for 4 years to collect a debt by a person that previously had my phone number. I tell them every time that they have the wrong number and they continue to call me. I am getting phone calls with an increasing frequency.
Consumer complaint received 2019-09-19
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)

My personal information had been stolen and account had been open in my name, I have been a victim in recent and passed data beaches, I had file an id theft report with the FTC, and I'm requesting these information to be block from my credit file.
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. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2023-07-27
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. (FL)

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

XXXX : XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (AL)

On XX/XX/XXXX I made an online purchase and on XX/XX/XXXX I filed a dispute since I realized I fell victim to a scam. The scam totaled {$700.00} and was split across two transactions. I sent screenshots of chat, phone numbers, transaction ids, and everything I could. I didn't get an answer until XX/XX/19 when they told me " no error occurred '' and that " this matter is closed ''. They didn't provide reasoning why, any partial resolution, or anything. I waited 83 days for them to send me a short message basically saying sorry too bad. I want a full or partial charge back for this transaction. Online scams are very popular nowadays and all of the other banks I've used offer protection. I checked their XXXX and it's horrible. I wish I noticed it prior to setting up an account. I've tried numerous times to resolve this with calls or chats. If I call they say lets setup a chat. If I send a message in chat they don't respond for days and often respond emptily. This is the worst bank I've ever had ... no exaggeration.
Consumer complaint received 2019-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (SC)

MY NAME IS XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX SC XXXX My DOB XX/XX/XXXX my SS XXXX. I have addresses on my file that are not mine please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. I have attach my proof of ID and address.
Consumer complaint received 2023-07-27
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. (TX)

In account with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX : account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX has violated my rights. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (OH)

I wanted to return an item from a XXXX seller but they just ignored me! No response on returning this item. Heavy XXXX retrictions casused the purchase items to not be useable. XXXX will not listen to me an refund and or charge back the item I have in dispute! {$330.00} XX/XX/2021 XXXXSynchrony Bank
Consumer complaint received 2023-02-02
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (CA)

Ive already contacted Hyundai multiple times regarding this issue, I had a new checking account and updated it with them. However, they kept using my old checking account through with drawls, which then locked my account, and I can no longer make payments over the phone or online. 

This has made me late for more than three weeks now and I cant process a payment. I contacted customer service agents who are charging me XXXX dollars to make a payment and refused to waive any of the fees even though this has never happened to me. Ive spoken with for agents none of which were able to accept my payment over the phone.
Consumer complaint received 2019-02-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

Collector called my cell after being told not communicate via mail only, calls to my cell number incur charges. Collector refused company name even after being made aware of FDCPA violation. Reluctantly, I provided my information and was given her company name. I advised collector at that time of violation for calling my cell phone as well as refusal to provide company name and that two collectors from same company calling me simultaneously on 2 seperate accounts. Also, company is aware of payments being made on account with legal proceedings. Collector responded with she can do whatever she wants and I need to pay. She was rude and holds no value to laws set to protect consumers.
Consumer complaint received 2019-04-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FC HoldCo LLC (FL)

I had fallen behind on the payments for my car loan, and in XX/XX/2019 I was able to pay all past due charges, and fees. I had received a receipt of payment from the loan company and my account via their portal had updated to current. Several days later my car was repossessed, the company said they had previously issues a repo order and never cancelled it even after it was paid and current. They advised this was my fault for not calling their customer service dept to inform them of the payment even though you are directed to make payments through their portal. I was then given repossession fees I had to pay to their reinstatement department to have my vehicle released, and that they would have to be paid XXXX XXXX and I would have the car released once the payment was applied to my account for the fees. The fees came to a total of {$850.00}. I paid the fees, and the vehicle was released. I received an email saying that my next payment due date would be XX/XX/19. I logged into my account to pay in XX/XX/XXXX, but I had no bill due. I called customer service to make sure everything was in order with the account and was advised that yes, my next bill was actually due XX/XX/XXXX due to the restructure and payment I made prior to the car being repossessed. In XX/XX/XXXX I received a bill for {$450.00}. I logged into my account to see what this was because my normal payment is only {$350.00} It was listed as a miscellaneous fee, I called customer service and was told this was a repossession fee added in XX/XX/2019. I said that cant be correct, the issues with the car were in XX/XX/XXXX and I paid these fees. I asked to have the reinstatement dept reevaluate the fee, as I had proof of payment. I recieved another bill with the {$450.00} still on the account and now an additional misc fee of {$150.00} added in XX/XX/XXXX. My statement for XX/XX/XXXX is {$530.00}, again no explanation for what these added fees are. They are asking for {$1100.00}, when I should owe {$350.00} for XX/XX/XXXX.
Consumer complaint received 2022-12-29
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: Experian Information Solutions Inc. (FL)

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy of a federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I also requested they be verified with a XXXX XXXXl Signature for verification. If it can not be provided, I am requesting that these items be removed immediately. After the CFPB and FTC Reports did nothing you guys are my last hope. Here are the violations and accounts. Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition Experian, XXXX and XXXX have committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NE)

I consolidated all my loans to XXXX XXXX in XX/XX/XXXX to participate in PSLF and get a payment plan with IBR. In XX/XX/XXXX, my loans were transferred to XXXX XXXX. In XX/XX/XXXX, they were transferred again to FedLoan Servicing when I submitted my first employment certification. From XXXX, I was awarded a yearly XXXX XXXX XXXX Grant for my employment as a XXXX   XXXX. In the fall of each year during the grant period, a lump sum payment of several thousand dollars was made to my loans. Additionally, I also paid my monthly payments in a timely manner. Sometime in fall XXXX, I was on the phone with my servicer about payment plans. During that phone call, the customer service rep just happened to mention that I was on pay ahead status due to the lump sum payment made in XXXX. She also told me that due to the pay ahead status, I would not be given any credit for the payments where I was on pay ahead status even though I made them every month. I then asked never to be placed on pay ahead status. Due to that error and not knowing this was an issue, I missed out on 8 months that could have been calculated towards my 120 payments. I was able to narrow down the window of time from around XXXX/XXXX XXXX to about XXXX/XXXX XXXX payments were not considered for PSLF. At no time did XXXX XXXX, XXXX XXXX or FedLoan Servicing ( all three companies were holding my loans during the aforementioned time ) inform me that the lump sum payments would not be counted towards PSLF nor did they seek my consent to place me on pay ahead status. The additional 8 months is significant because that could mean I am eligible for loan forgiveness in XX/XX/XXXX rather than XX/XX/XXXX. This amounts to about {$2800.00} in potential overpayments. ( I won't even get into the times FedLoan Servicing put me in forebearance automatically when I was switching payments plans ).
Consumer complaint received 2019-04-30
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (IL)

Navient has taken 8 payments from me this year which is 2 per month and they are only supposed to debit one from my account automatically each month. They gave me back the 2 extra payments two weeks ago and then a few days later charged me a second payment for the month of XX/XX/XXXX. When I called and complained they acted confused like they dont understand this issue with debiting my account 7 times this year and its just now the month of XX/XX/XXXX.
Consumer complaint received 2023-07-06
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. (MO)

XXXX call made in XXXX XXXX XXXX and was unable to get a representative on the line. So I decided to call back in XX/XX/XXXX and was able to get a representative and decided to get on a payment plan for a settlement amount of {$2300.00} I made XXXX payment on the plan and life hit me. I was unable to make the payments. XX/XX/XXXX I decided to pull a soft pull on my credit and seen XXXX XXXX  is still reporting XXXX late on my credit for the last 29 months. The account has not closed or went into charge off status it is still reporting open each month. I called and got this information. I got the loan in XX/XX/XXXX for {$2200.00} I made XXXX successful payments in the amount of {$130.00} which is {$2100.00}. I currently owe {$5000.00} and they were really to settle for {$2000.00}. This is predatory lending because I owe {$58.00} from the amount paid and the amount borrowed. the rep said I had {$2400.00} in interest, {$2000.00} in fees, {$150.00} in late fees, and {$58.00} in return bank fees. I offered to settle the account for {$1500.00} and realized that was too much because I already paid off the loan besides {$58.00} and thats all i should be paying for the bank fees and late fees. which is {$260.00}. they will not accept my offer or stop reporting negatively on my credit report. i am trying to buy a house and refinance my car for a lower interest rate and this has been stopping me for the past 2 years. they will not do anything to remove, or stop this damage on my credit report and they are trying to take more money from me.
Consumer complaint received 2019-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AR)

I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.