davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-17
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. (FL)

On XX/XX/2020 Ive sent a request for validation from XXXX XXXX XXXX. This includes copies of documentation that represents a legal ledger in form of Purchase Agreement, Bill of Sale, or transfer of title. Furthermore, it must include a copy of the original agreement made with the principal creditor, XXXX Bank, and myself, outlined by my legal name. 
The document sent by XXXX XXXX XXXX is a statement that represents an account number and some billing statements that represent an account I had formally held with XXXX Bank. The Document doesnt represent a legal ledger in anyway. There is nothing that represents a purchase of such accounts. There is nothing that represents the amount paid, terms of the sales, principal agreements with parties involved. 
The document sent is Considered Hearsay, and I had recently won a judgment against XXXX XXXX under this very same pretense. The XXXX filed a lawsuit in pursuant of an alleged debt and a could not produce purchase agreement to validate that XXXX titleship of such accounts. 
PLEASE DELETE XXXX XXXX FROM MY CREDIT REPORT. THEY HAVE NOT BEEN ABLE TO PRODUCE LEGAL DOCUMENTATION THAT PROVES TITLESHIP OF THIS ACCOUNT. 

XXXX XXXX XXXX Account number - XXXX
Consumer complaint received 2021-09-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC (TX)

I requested something as simple as a goodwill adjustment to be done on my account back in XXXX by an email that I sent to Westlake corporate office & letter I sent to their their XXXX XXXX branch, both letters were ignored until I sent the letter directly to the customer service team on XX/XX/23 regarding an issue with them charging me for a returned payment that was actually paid from another card that I had on file. I asked for the goodwill adjustment due to an SBA loan that Im trying to acquire to pay off the remaining $ XXXX on my car loan & to be able to save my small business, I only asked for one payment to he adjusted due to some mistakes I made earlier in the year due to the COVID pandemic. I have been consistent with my payments since the first 2 30 day lates I incurred. Im not asking to skip payment or anything special, just a goodwill adjustment & will give my continued consistency with paying on time. Even as a person with a XXXX Im not making excuses, but I really dont want to have to end up going back on XXXX after working so hard to maintain 2 years in business
Consumer complaint received 2018-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (GA)

XXXX XXXX XXXX is reporting late payments to several of my student loan accounts. During the time late payments are reflecting on credit report my student loans for in forbearance due to financial hardship and loss of employment. Late payments are inaccurately reported with credit bureaus.
Consumer complaint received 2018-06-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

a few years ago i saw a collection on my credit report from a company from XXXX XXXX assc, i disputed the claim several times as i truly did not know where this came from. last year ( XX/XX/2017 ) i sent a written letter asking under the FDCPA rules to send me proof from the original creditor that this debt was mine i never heard back from them. i disputed this several more times. Today i called them at XXXX spoke to an assc on a recorded line ( they record the calls ) where he stated they received the letter however an official response was never sent to me. I have attached the letter i sent to them and they will confirm this by the recorded call that it was received. As i understand the rules if a response is not given in a time frame this is to be removed from all of my credit reports. i made 3 written attempts with no response
Consumer complaint received 2024-03-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC (FL)

This is the fifth time Rocket Mortgage has WILLFULLY AND DELIBERATELY MISAPPLIED MY PAYMENT in XXXX. I made a payment of XXXX on XX/XX/2023, meant to go towards my XXXX payment ( and was marked as so ). I just made the remainder of the payment and realized they XXXX  me again and instead of putting it towards XXXX balance, rocket mortgage put this towards escrow. They misapplied payment in XXXX, XXXX payments on XX/XX/XXXX, and XXXX payment on XX/XX/XXXX, and then XXXX on XX/XX/XXXX. I made cfpb complaints about those first XXXX in XXXX. Then They deliberately refused to follow instructions for the XXXX payment made in XXXX as well, XXXX, but not really. I know I don't matter, and I know that the only way this is going to be resolved is going to be messy at this point. They willfully are not applying the payments to the monthly payments as the payments are being sent. They also changed my due date significantly, so my loan is now due at least 15 days to a full month ahead of what my payment date originally was as well. 

They are willfully putting the money in other buckets that don't apply to my monthly payment.
Consumer complaint received 2022-09-09
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
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. It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}
Consumer complaint received 2018-02-01
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: CITIZENS FINANCIAL GROUP, INC. (MD)

This inquiry was added to my XXXX credit report on XX/XX/2017. I've called the fraud department at Citizens Bank for this inquiry and they have no record of my name in the system. I was transferred several times, and no one could find my name in their system. However, their company still shows up on my credit report. They " can't '' remove it because they have no data information on me. However, someone accessed my report and their name is listed on it. 7 months later, and the inquiry is still there and Citizens Bank is doing nothing to take care of the issue.
Consumer complaint received 2024-03-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

I was scammed on XXXX in a private group by XXXX XXXX who was selling something and I paid through Cashapp to XXXX XXXX, but never received anything. This happened XX/XX/2024. The scammer used a XXXX XXXX number and XXXX will have the scammers real name and number. I reported to XXXX that the account for XXXX was fake but they did not remove it. I talked to Cashapp with in an hour of the incident and they refused to do anything. I contacted my bank, XXXX XXXX XXXX XXXX, while the charge of {$200.00} was still pending and they would not stop the payment.
Consumer complaint received 2018-06-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (FL)

I do not have access to the dates the incident took place since it was logged in my PayPal account that has been terminated by PayPal. Approximately two years ago, I discovered fraudulent activity on my credit card. The charges were made to XXXX XXXX through my PayPal account. PayPal issued the charges to a credit card I had linked to their service. There were several small charges for less than {$1.00} ( XXXX ) and then I had larger charges following. 
I contacted XXXX about the charges and was informed I must have shared my credit card information. The gentleman then told me they would conduct an investigation and contact me with the results. I contacted XXXX once again and was informed that they could not find any fraudulence. I also wanted to know what the charges were for and that could not be answered. I was told the charges looked to be for games due to the amounts of the charges. I contacted PayPal for  a refund of my money and they issued me a refund, but after their investigation, they wanted to be refunded. I am now in collection over fraudulent charges to my account to the amount of {$230.00}. 
I am frustrated that XXXX is unable or not willing to look into who received the charged items!
Consumer complaint received 2022-01-06
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. (PA)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 35 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2020-10-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (SC)

The company sent me a letter stating that they would give me a 10 % discount on a debt. The debt was {$4800.00}, and according to their letter, they would allow me to settle the account for {$4300.00} ( a savings of {$480.00} ). The letter said I could pay online, so I signed up for an account, clicked on " offer letter acceptance instructions '' and followed the directions it provided to make my payment. I submitted my payment for the {$4300.00}. Then the next day ( today ) I checked the account, and it said I still owed a balance of {$480.00}. I called them and aside from being utterly rude and giving me the run around, they said that somehow I didn't check the right offer box when I made my payment so they will only consider it as a payment toward the entire amount. Basically, I made the EXACT payment they said would settle the account, but because I didn't check a box when I submitted the payment online ( a box which doesn't exist ) that I now  have to pay the full balance. I have copies of the offer letter and a photo of the the payment instructions on the screen which doesn't have any " offer box. '' I followed 100 % of the instructions.
Consumer complaint received 2018-01-19
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: CHARLES SCHWAB CORPORATION, THE (AZ)

My wife and I opened a checking account with Charles Schwab and it was never disclosed that a hard inquiry would be pulled on my credit. It does not make sense that a hard pull would be done for opening a checking account. I can maybe understand a soft pull but not a hard pull for opening a checking account. This is ridiculous! 

This was not done for my wife who is the other applicant on this checking account. 

The process for me as a co-applicant from the beginning has been very different and they have treated me with discrimination asking me for more documents due to my nationality and language. 

Even on my first call, the phone representatives did not believe it was me, asked me a lot of verification questions and now I have proof of discrimination because I can see that they even did a HARD PULL on me, and not my wife. They have even asked me for additional proof of ID and documents, once again, these things were not asked from my wife who is the primary applicant. 

A representative called me with a very patronizing attitude from Charles Schwab on XXXX/XXXX/18 ( XXXX ) XXXX XXXX XXXX XXXX with nothing but blaming me for not paying attention when I applied for their account.
Consumer complaint received 2022-02-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (MI)

I recieved a call from XXXX XXXX XXXX XXXX telling me that I needed to pay off a debt within XXXX hours or face legal action, garnishment of wages, etc. I normally suspect these things are robocallers but this was from an actual person. They left the number XXXX XXXX XXXX to call back, and when I called the woman on the line revealed my social security number and several past addresses to convince me it was a real collections. Worrying that maybe this an old debt due to identity theft that happened to me around XXXX, I asked them why I had never received any prior communications regarding this. They said they apologized and that they were sending the communications to my old college dorm room which was an address I hadn't lived at since XXXX. 

When they finally sent me a " collections letter '' the letter had my current address but was addressed to a XXXX XXXX which was very suspicious, and had a dotted line section where I could cut it off and write down my payment information or include cash and mail it in rather than any other dispute options. They seemed very caught off guard when I brought up that the letter was addressed to a different person but contained my name, the agent said that this was because the other agent that sent the letter was new to the company, and that she must have made a mistake, which made me uncomfortable. I hung up and they called back after a while saying that they fixed the letter by regenerating the correct one, and I looked to see that every other piece of information, the account number, charge, etc was the same, but they had simply switched my name for XXXX XXXX. 

I looked up the address of mailing ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) in XXXX XXXX state business database ( since the address on the website was in XXXX ) and it is currently registered to an active but completely different business called XXXX XXXX XXXX XXXX Then I looked up the name of the business that they gave, and the name of the business on the website, XXXX XXXX XXXX XXXX, it was to a business that has been dissolved since XXXX and had a completely different address. In addition to this, I found that an entire section on their website had been copy and pasted from a legitimate debt collection agency in California called XXXX, and that they had made several different promises that their debt collection rates are above XXXX XXXX and their team has over XXXX  years of combined experience which was highly suspicious as well. They had a variety of human " agents '' calling me back after the first time I told them I didn't believe them due to their name mixups and issues sending the email with the information. The entire experience was fishy but they had clearly invested tremendous resources into making this seem just legitimate enough.
Consumer complaint received 2019-03-06
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. (TX)

Equifax and XXXX are reporting me as 30 days past due on the XXXX XXXX account number XXXX that has a {$0.00} balance and {$0.00} past due. This inaccurate reporting is harming my score. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
Consumer complaint received 2021-06-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

Recently I reached out to XXXX XXXX about these inaccuracies on my report. They did their investigation and have yet to send me the results. I have called several times asking for the results and all details involving their findings. I have yet to receive anything. I also called and requested the " Debt Validation '' " Audit trail '' and Pursuant of GAAP '' but they have refused to send it to me for some reason. This will be my last step before taking legal action towards this company and the reporting agencies.
Consumer complaint received 2022-09-09
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. (MO)

I am appalled by the lack of responsibility on the Credit Bureaus ' behalf. When will the Credit Reporting Agencies going to fix all the erroneous information on my personal credit file? For the past 4 months my requests have been overlooked. Discontinue the stall tactics and please delete the disputed accounts reporting erroneously on my Credit Report. Upon further review of my Credit File, I immediately noted the following : a ) Charge Off account continue to report on my Credit File still indicating a balance, for all I know, Charge Off accounts report 0 balance ; b ) the repossessed account was done illegally followed by illegal reporting on my Credit Report ; and c ) the accounts reported are already deleted from the other Credit Bureau, making me wonder why is it too difficult for the other Credit Bureaus to do the same? Under the Fair Credit Reporting Act, I am submitting this CFPB Complaint requesting that the Credit Bureaus must remove the disputed items completely from my Credit Report : XXXX. XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX. XXXX  XXXX XXXX Balance Owed : {$490.00} XXXX. XXXX XXXX XXXX XXXX XXXX : {$10000.00}
Consumer complaint received 2017-04-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: LoanHero, Inc (IN)

A company that referred to themselves as   XXXX   XXXX   XXXX   illegally created an   XXXX    account in my name and illegally opened a loan through a separate company LoanHero in my name without my consent.  
 When I attempted to log into my  XXXX  account I had trouble so I contacted FSA by phone. I was informed by  XXXX  that an  XXXX  account was created in my nam e in   XXXX  2017 .  I never created this account. When I told  XXXX  I did not create an account they asked me if I was involved with a scam related to student loans.  XXXX  also informed me it is illegal for someone to create an  XXXX  account under another person 's name. I was advised to stop all contact and transactions being made with  XXXX  's company.  
 When looking at my credit and all my loans and found I have a new loan opened with LoanHero. I was not aware a loan was made in my name through LoanHero. I contacted the Department of Education and  Student Loan su pport regarding the creation of an   XXXX    account in my name without my knowledge and the creation of a new loan. I was informed again that this is illegal. Also I was informed many fraud companies place the name of real companies on their documents and paperwork to scam people.  XXXX  told me he is associated with  XXXX . I contacted  XXXX  and was told that scamming companies use their name frequently and if an   XXXX   account was created in my name without my knowledge then it was illegal.  
 I canceled my the consolidation and when I went to cancel the miscellaneous loan through theses companies they refused. They also stated " it would n't affect my credit '' which was an additional red flag. I contacted the Department of Education again today and they stated they have had other student run into scams  with Loan Hero and again confirmed all of the statements mentioned previously.
Consumer complaint received 2018-01-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

multiple letters were sent to national credit systems and request for documentation to validate debt per fcra. I received notification from the credit bureaus stating that the account was verified. I did n't receive proof of investigation for account number XXXX. 
this account has also been on my credit report for 7years which is from my understanding when it should drop from my credit report. do n't know if they have a license to collect in Texas.
Consumer complaint received 2022-09-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On or around XX/XX/2022, I was alerted by my bank and by a credit monitoring service that I had a new hard inquiry on my credit report. Upon investigation, it was an hard inquiry from Bank of America on my XXXX credit report. I have never authorized this bank to do this. I contacted XXXX that same day to dispute the hard inquiry, and was informed that I would need to contact Bank of America to obtain an " Inquiry Deletion Letter. '' I have made numerous attempts to contact Bank of America, and found it nearly impossible to make contact with any agent of their organization. At last, on XX/XX/2022, I was able to establish such contact. After being bounced around from agent to agent with promises of being transferred to their " fraud department, '' I finally spoke with an agent who ran my name and SSN through their system to at least check to see if anyone had successfully opened any accounts with their organization ; the agent told me that she did not find a profile for my name and SSN. I asked about the Inquiry Deletion Letter that XXXX requires, and she said that I was the second person this week that had asked for one ; she had spoken to her supervisor, and they were unaware of anyway to obtain such a letter from Bank of America. I want this hard inquiry removed from my credit report!