davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-31
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. (OH)

I'm really upset after seeing my credit report and discovering these erroneous and unverifiable accounts, as I have no recollection of any of them. This issue must be resolved as soon as possible. Because you are blatantly ignoring me, I will not wait another 50 days for a response. Section 611 ( a ) expressly states that failure to investigate these things within 30 days is grounds for removing them from my credit report immediately. They should be erased as soon as possible because they have been 60 days.
Consumer complaint received 2019-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc. (OK)

A relative was denied credit and one of the reporting sources was a company called XXXX, XXXX XXXX XXXX, XXXX XXXX CA XXXX, ( XXXX ) XXXX. I keep a close watch on my credit reports, and I had never heard of this company. Assuming they have credit information on me I went to see if I could get my credit report in the usual way, through XXXX. This company is not even mentioned there. 

There is a process to get a report directly from them, but it is much more invasive and complicated. Reading online, I see many people complain that this company 's credit scores are hundreds of points below the average at the other three reporting agencies. They also report difficulties getting straight answers on what constitutes a " good '' score, and even what contributes to their scoring. 

I am very upset that I can not examine what information they have about me through the usual reporting process at XXXX. I think an investigation of this company is warranted.
Consumer complaint received 2023-04-06
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)

My name is XXXX 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 2019-04-02
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP (VA)

We leased a car in which US Bank is the lease holder on XX/XX/16. For the last two and a half years we have been trying to get a resolve to the fact that we are being charged for a personal property tax for a county we don't live in. We are being billed for two personal property taxes. We live in the County of XXXX not the City of XXXXXXXX. We have brought it to there attention and they said they have submitted 12+ claims to have it adjusted and they show we do not reside in that county. Each time we call they say it is documented and shows their error. The City of XXXX has no record of us living there or billing US Bank either. Each month when the lease bill comes it is not resolved. We have spent countless hours on the phone with them with promises of phone calls back and it being resolved to nothing. The lease is up in a few months and the car is being returned. We are not responsible for their mistake on their end and want this resolved.
Consumer complaint received 2022-03-31
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. (MD)

As per 15usc 1611 XXXX TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. XXXX XXXXXXXX XXXX XXXXXXXX. Cc Federal Trade Commission. XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MA)

As an XXXX for the past six consecutive years in multiple XXXX that qualify for XXXX  federal loan forgiveness my application ( s ) have continuously been denied for minor issues such as incorrect date format and full title of Chief   Administrator not stating his position. Because of this I took it upon myself to call MyFedLoan directly and ask why my application is continuously being denied when time after time the people I speak to regarding what I need to fix, give me the supposed run down on what needs to be done. My call on XX/XX/17, however, was different. When I was in conversation, two people who I spoke to from my loan holder ( MyFedLoan ) said one reason I am being denied is because the gap from one XXXX to the next is larger than seven days which voids the XXXX  loan forgiveness I am looking to receive after working five consecutive years in qualifying XXXX. ( Ive worked in three different XXXX in five years ). I am reaching out because not only did one of the people I spoke to said they had no idea about this seven day gap issue, it is no where to be found on neither the application nor website. Because of the withholding of information, myself along with a long list of people may be denied because of lack of transparency, which I believe is very deceitful and should be taken serious and looked into. Thank you for your attention to this matter.
Consumer complaint received 2022-03-31
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: ALLY FINANCIAL INC. (FL)

Ally financial XX/XX/XXXX. Fraudualent attempts to open a line of credit using my personal information. I have sent XXXX act letter to XXXX, XXXX and XXXX to remove the hards inquiries on my account. Reached out to the creditor to remove and inquiry from my account sent final letter XX/XX/XXXX to remove. No response, please remove inquiry from credit report.
Consumer complaint received 2022-03-31
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: Global Lending Services LLC (FL)

XXXX XXXX XX/XX/XXXX. Fraudualent attempts to open a line of credit using my personal information. I have sent XXXX act letter to XXXX, XXXX and XXXX to remove the hards inquiries on my account. Reached out to the creditor to remove and inquiry from my account sent final letter XX/XX/XXXX to remove. No response, please remove inquiry from credit report.
Consumer complaint received 2022-03-31
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: EQUIFAX, INC. (NM)

I have been reviewing my credit report over the past month, which I have hadn't looked over it in the past 8 months. I have noticed discrepancies, unauthorized pulls on my credit report. I have called each company that has pulled report, all XXXX credit bureaus and I have tried to file a police report, per what the credit bureaus have told me to do and have not had any help in resolving this issue. I was told last week that I needed to file a complaint with the FTC, per XXXX and Equifax. I was told that this would be the only way I could get help with this issue, which is unfortunate. These companies are supposed to help relieve stress for the consumer, not drag them through hoops and stress. Below are the inquires I am disputing that were unauthorized nor an extension of any credit. I also have complaints about my correct spelling of my name and address on my credit report. On XXXX and Equifax I see many different variations of spellings of my name and many unfamiliar addresses. 
Equifax XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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
Consumer complaint received 2022-03-31
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Real Time Group, Inc. (CA)

Follow up to my previous Consumer finance XX/XX/XXXX complaint Proof of Deed of Reconveyance, per Real Time Resolution creditor response This notice is a CEASE AND DESIST Real Time Resolution a debt collector for XXXX XXXX XXXX ( company no longer in business ) recorded a Second Trust Deed Default XX/XX/XXXX in the amount of {XXXX} on behalf of XXXX XXXX XXXX. 

I have told this company many times I DO NOT OWE DEBT to XXXX XXXX XXXX and that I received a Deed of Reconveyance in XXXX, and I have not obtained any loans after XXXX. 

On XX/XX/XXXX, the first available appointment at XXXX XXXX XXXX XXXX Registrar-Recorder/County Clerk office at XXXX XXXX XXXX, XXXX CA XXXX, records show for XXXX XXXX XXXX, XXXX XXXX CA XXXX " No!!!! Deed of Trust owning any debt WAS NEVER FILED from XXXX XXXX XXXX after XXXX '' However, I did obtain from XXXX XXXXXXXX XXXX  XXXX XXXX Registar Recorder/County Clerk office, that On XX/XX/XXXX, XXXX XXXX XXXX filed a " Deed of Reconveyance ''. See attachments I'm asking Cease and desist all liens and/or Defaults affiliated with XXXX XXXX XXXX be removed from property located at XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX
Consumer complaint received 2022-03-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (KS)

I have been receiving messages from someone that I suspect of impersonating someone else on my XXXX account XXXX and on my XXXX XXXX XXXX. They had me transfer funds {$200.00} to another individual through my bank account using XXXX. The recipients name is XXXX XXXX. XXXX XXXX
Consumer complaint received 2019-10-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (WA)

Just when we thought wed signed our modification documents, SPS is at it again. They sent us our original modification dated XX/XX/2019, which we signed, notarized and sent our certified check on XX/XX/2019 to be delivered by XX/XX/2019. We just received a new modification with completely new terms, new percentage rate, new balloon at the end, and its now adjustable not fixed. That was dated XX/XX/2019 and delivered to us today. 

Ive attached the documents. Parts 1 & 2 are the new modifications, Parts 3 & 4 are the originals. Ive bulleted the main points below : 1st Modification Dated XX/XX/2019 Delivered to us XX/XX/2019 by XXXX Signed XX/XX/2019 Delivered XX/XX/2019 Monthly due {$1500.00} fixed Percentage rate 3 % Balloon at end of term : {$130000.00} ( interest bearing ) In addition to another balloon : {$34000.00} ( no interest as I understand ) 2nd Modification Dated XX/XX/2019 Delivered to us XX/XX/2019 by XXXX Monthly due {$1700.00} adjustable Percentage rate 4.25 % Balloon at end of term : {$210000.00} ( interest bearing ) Total Balloon on extended amortization is {$250000.00} Original loan amount : {$240000.00} We made 3 TPP payments of {$1700.00} on XX/XX/2019, XX/XX/2019 and XX/XX/2019 per TPP arrangements/guidelines.
Consumer complaint received 2018-12-20
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. (TX)

I am filing this complaint because XXXX did not help me remove the accounts after so many attempts of writing dispute letters.. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ACCT ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA (OK)

XXXX XXXX XXXX hasnt been fair. I have requested they remove this old closed account from my credit report.. its been 7 years and 7months. Its been delinquent way before they reported it delinquent to try and have more time to leave it on my reports. I have requested that they provide me the information and proof of my payments from XX/XX/XXXX until XX/XX/XXXX they have it showing that I was delinquent in XX/XX/XXXX/XX/XX/XXXX but has no information for XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX. I was delinquent from the original date it was reported which was XX/XX/XXXX. I ha XXXX  made any payment until XX/XX/XXXX so I have always been delinquent and its been 7years and 7 months.
Consumer complaint received 2023-01-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: M&T BANK CORPORATION (MD)

I received an email from XXXX saying that my e statement account is now available for XXXX XXXX XXXX. 

I have not opened any account in the aforementioned bank. I have frozen my credit in all three major credit bureaus ( since this happened to me two years ago at XXXX XXXX and XXXX XXXX ). 

I am going to the nearest M & T Bank after work to show this email as well, but I also want to be able to tell them that I have lodged a complaint about it here. 

Please help me. 

Thank you!
Consumer complaint received 2022-02-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NC)

Two years ago XXXX and myself severed cable services due to inadequate services & business practices. When I discontinued/disconnected services from them & returned their equipment. My account was zeroed out and final. XXXX additionally requested that I disconnect equipment that they set up. Ie ; satellite dish, however XXXX refused to remove the actual dish, pole, etc from my property, leaving my property damaged as a result. Fast forward to XX/XX/2022 where I receive a letter at my home ( from collections ), stating there is a balance owed ( Two years later ). I've contacted XXXX repeatedly to request they remove the dish from my property to no avail.
Consumer complaint received 2022-03-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

From XXXX to XXXX, XXXX XXXX Navient misallocated loan repayments, then capitalized the debt into the principal. This effected my credit score and put me in further debt without an ability to get out.
Consumer complaint received 2019-04-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

This is a new complaint of fraud. Effective XX/XX/2019 my home insurance policy with the Georgia XXXX XXXX lowered my home insurance in the amount of XXXX down from the projected {$770.00}. Because XXXX XXXX sent a check for {$770.00} to Georgia XXXX XXXX my home insurance company Georgia XXXX XXXX refunded a check back to XXXX XXXX my mortgage company instead of refunded the check to me directly because they trusted XXXX XXXX to apply the full refund amount of {$160.00} back to my hazard insurance as XXXX XXXX was legally instructed to have done.I recently received my escrow statements confirming that XXXX XXXX only applied {$71.00} of the {$160.00} that they cashed back to the home insurance portion of my escrow. When I called Georgia XXXX XXXX they sent me proof that XXXX XXXX cashed the full check of $ XXXX.When I  called XXXX XXXX they stated that they claim they do not know why only {$71.00} was applied back to my home insurance and the remainder amount to PMI. According to the hundreds of similar complaints reported by other homeowners Nationwide to the XXXX XXXX XXXX XXXX XXXX has been running a fraudulent scam for years taking any extra payments or hazard insurance ( home insurance ) refund checks and only applying a small portion to the actual hazard insurance policy so that they can create a shortage and come back to homeowners literally a year later claiming that the homeowner did not pay enough to escrow.Because they are not within the jurisdiction of the OCC and the Attorney General no longer accepts consumer complaints they are running the perfect criminal fraudalent scam and operation Nationwide with hundreds if not thousands of homeowners ; according to the list of complaints with the XXXX XXXX XXXX. They claim that it was put back into escrow when the instructions were clear the check was a refund to hazard insurance portion of my escrow account the full check is supposed to be applied to hazard insurance not divided to PMI. I have already spoken to the FHA about this.
Consumer complaint received 2023-08-25
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: FIRST PORTFOLIO SERVICING INC (CA)

I viewed my reports and noticed items that weren't mine. I haven't applied for credit with XXXX  XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (KY)

In XXXX of 2021 was contacted by phone by Receivables Performance Management ( RPM ). The rep insisted that I defaulted on a car lease roughly XXXX prior & said I owed more than {$1000.00}. I made it clear that this was not a debt I was responsible for & requested a copy of the contract I allegedly defaulted on be emailed to me. 
To date no such contract has been sent to me, rather a generic " claims letter '' was sent out via USPS & then the account was reported as being in default to the credit bureaus. The letter was a clear attempt to bypass fair credit reporting laws, as I was quite specific in my request for proof of debt & what was sent instead doesn't begin to PROVE I am liable. At best RPM is guilty of skirting the rules that govern the matter & at worse they are guilty of knowingly attempting to collect on an account that was closed in good standing.
Consumer complaint received 2022-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (WI)

I had a XXXX credit card. They switched over to Marcus. I tried to make the full pmt before the due date but the system was shut down for maintenance. I called and they told me not to worry I could make the pmt after Tuesday and they'd wave fees. I waited until Tuesday. Set up a new account. Paid the credit card off in full. They charged me interest. I called the company and they said they would issue a credit. The amount they were to issue the credit for was the total amount of interest charged. It was just over {$16.00}. They credited {$4.00}. I paid the balance off in full after using the card this past month. This resulted in a negative balance on my account. The credit card company owned me money. Now they charged me interest on that money they owe me.