davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (SC)

This company I.C System which I hold no CONTRACT with nor have received services from reported a credit account against my SSN to credit reporting agencies. I requested VALIDATION under the fair credit reporting act and verification of debt however the company failed to provide adequate proof of my identity or validate debt. The account was not placed in dispute on my credit report while under investigation. The debt was not validated within 30 days, as after 30 days without debt validation account to be deleted. considering this business does not have a contract with me for goods nor services they have provided adequate proof of application and identity or proof i am not obligated to pay for the alleged debt. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding phone bills that I possess, and I am seeking the name and address of the company to which I owe the debt and a detailed breakdown of the fees that I owe. * Cease any credit bureau reporting until the debt has been validated by me.
Consumer complaint received 2020-09-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NJ)

I HAD A DEBT WITH XXXX AND IT WAS PAID, UPON PAYING XXXX I WAS NEVER ADVISE THAT THEY SENT IT OUT TO A COLLECTION AGENCY, SO PAYING XXXX AND I THOUGHT THE DEBT WAS SETTLED, I GET A MORTGAGE LENDER TO PULL MY CREDIT AND XXXX XXXX XXXX IS ON MY REPORT WITH THE SAME AMOUNT OF DEBT I PAID XXXX, I CALLED XXXX AND ASK THEM WHY THEY ARE REPORTING ON MY CREDIT AND WHY I WAS NEVER NOTIFIED BY THEM OF THE DEBT, THE TYPICAL RESPONSE IS THEY SENT OUT THE NOTICE I NEVER RECIEVED, I DIDNT HAVE A CONTRACT WITH XXXX XXXX XXXX NOR WAS I INFORMED BY NEITHER PARTIES, XXXX ARE XXXX XXXX XXXX THAT IT WAS IN THE HANDS OF THE COLLECTION AGENCY
Consumer complaint received 2019-08-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (VA)

On XX/XX/2019 I uploaded my tax information ( 1040 ) in the FedLoan Servicing portal as part of my Income-Driven Repayment Plan 's annual recertification. 

I was told ( I believe on XX/XX/XXXX ) that my recertification was denied because I did not provide the correct information. I reapplied by sending in my pay stubs, but this too was denied. 

On XX/XX/XXXX and XX/XX/XXXX I called and spoke to two different customer service reps for Fed Loan Servicing. Both confirmed Fed Loan Servicing has my 1040. The woman I spoke to on the XXXX even looked at them with me. We found that whomever was reviewing my case simply was not scrolling down far enough in the document to get to my 1040 ( verifiable by phone recording ). I was denied again on XX/XX/XXXX. 

I called again on XX/XX/XXXX and we went through the same thing where the customer service rep looked at the file with me and found that whomever was looking at the file simply did not scroll down far enough to see my 1040 and my gross income. 

I asked if there as anything I should have done differently and the rep told me no, I have done everything I'm supposed to do correctly.
Consumer complaint received 2022-04-02
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: Receivables Performance Management, LLC (NJ)

On XX/XX/2022, I received an alert on my personal credit report stating that there was a new collection account in the amount of {$1400.00}. I immediately wrote a dispute letter to the company stating that the collection was illegally placed on my credit report and I dispute the validity of the debt. I asked for proof ( Validation of Debt ), that the account was mine or immediately cease collecting and reporting. I did not receive any response and the collection stayed on my report. 

On XX/XX/2022, I wrote yet again another letter stating that I was responding for a second time regarding the above referenced collection account and did not owe any company {$1400.00}. I included that I previously responded back on XX/XX/2022, disputing the collection account and they did not provide me with a " Validation of Debt '' or any response at all. I once again stated that I was disputing the collection account in full and wanted it immediately removed from my personal credit report ; it still was not removed. 

Here we are XX/XX/2022, the collection account is still reporting on my XXXX and XXXX personal credit report, damaging my personal credit. I am being completely ignored by this company and it is affecting my ability to obtain any new credit accounts because of this. I want this account immediately removed from my personal credit report.
Consumer complaint received 2020-11-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (PA)

Sent Mortgage payment to XXXX  XXXX on XX/XX/XXXX for XXXX Payment. 
No Contact given after repeated attempts to contact via phone on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Response finally given after email on XX/XX/XXXX. 

Email instructed that loan was sold to Amerihome and I was given loan number and phone number to contact. After repeated FAILED attempts to access my account via Amerihome 's website portal, I attempted to contact Amerihome 's customer service to no avail. No agent was assigned as I was greeted with this statement only : " Thank you for contacting us. At the present time all of our CHAT agents are busy assisting others. We apologize for this inconvenience and ask that you try again later. We are open from XXXX to XXXX Eastern Time Monday through Friday. '' Phone call attempts also resulted in no progress. I am currently unable to make any payments on my mortgage, especially any early payments all the while my mortgage continues to accrue interest to which I have no control over. Essentially, I am being charged even more money which I could have avoided if both of these companies improved their customer communications, customer service, and website portals. I find this to be extremely aggravating and an unethical way to run businesses in a stressful industry.
Consumer complaint received 2019-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Glasser and Glasser, PLC (VA)

I filled chapter XXXX bankruptcy in 2009. The office of Glasser and Glasser in XXXX VA was listed in the bankruptcy and did not dispute the case. My bankruptcy was discharged without any problems. Now 10 years later I discover that the same company has placed a discharged judgement on my home. I have contacted Glasser and Glasser for the last 3 weeks. At first they told me that only the attorney involved could talk to them. The bankruptcy attorney I had in 2009 lost her license and practice after my case was resolved. I have a letter from the Department of Justice with the details. Glasser told me to fax that letter to them and they could then talk to me. I have confirmation that this was received. I called them again and was told at first they couldnt find the letter and then when found they couldnt talk to me. I have been told twice that they would have their attorney call me. No calls yet. I have all my paperwork from 2009. I understand that they could be breaking a bankruptcy law by this harassment.
Consumer complaint received 2019-08-12
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 avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation in my Transunion report . This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2020-12-06
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PENNYMAC LOAN SERVICES, LLC. (MA)

I see multiple 120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-04-27
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. (NY)

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports :
Consumer complaint received 2020-11-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yamaha Motor Finance Corporation USA (AL)

Complaint ID XXXX On XX/XX/2020 I received an email saying ' The company has responded that it is still working on your issue. ' That has been almost 4 weeks ago. Now, it is time to pay my payment again, and I can't access my account. The following is from my account page online with Yamaha. 

HOMEPAYMENTSCONTACT USLOG OUT Account Home USER DETAILS Name XXXX, XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX AL Zip XXXX Email XXXX CURRENT ACCOUNT No accounts available to view. 

WHY IS MY ACCOUNT NOT AVAILABLE TO VIEW?? 

When I click on the payment tab, the following is the message I received.. 
HOMEPAYMENTSCONTACT USLOG OUT Payment Error Unfortunately we are unable to access your accounts at this time. Please call customer service for assistance. 

WHAT IS GOING ON??? 

MY PAYMENTS HAVE TO BE MADE ON TIME. IT APPEARS YAMAHA DOES NOT CARE ABOUT CONSUMERS WHO ARE PAYING THEIR INCOME. YAMAHA HAS EXHIBITED NEGLIGENCE IN THEIR RESPONSIBILTY TO CONSUMERS, IN THE RESPECT OF FINANCE AND THE CONSUMER HAVING THE ABILITY TO MAKE TIMLEY PAYMENTS..
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I urge you to address this discrepancy on my credit report promptly. I assert that this account is not mine and suspect it to be fraudulent. Please rectify this error, and I have provided supporting documentation for your verification.
Consumer complaint received 2020-11-10
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: JPMORGAN CHASE & CO. (OK)

My firm ceased operations on XX/XX/XXXX and we closed our Chase card on XX/XX/XXXX by letter. This card was paid off on XXXX XXXX In XXXX of XXXX we received correspondence from a debt collection company demanding payment of {$480.00} for charges made on our Chase card account. Prior to this letter I had received no statements from Chase since XX/XX/XXXX. We had closed our Post Office Box on XX/XX/XXXX and filed a change of address with the USPS. 

I contacted Chase and received copies of any statements after XX/XX/XXXX. On the statements I discovered that on XX/XX/XXXX a charge of {$450.00} was made to XXXX XXXX XXXX. This is the service we used for our accounting prior to ceasing operations. Additionally, there were late fees and interest charges of {$240.00} between XX/XX/XXXX and XX/XX/XXXX. In addition I found a credit from XXXX in the amount of {$260.00} on XX/XX/XXXX. 

I contacted Chase again and explained to them that 1 ) Our account should have been closed per our letter of XXXX XXXX and 2 ) We did not authorize XXXX to make their charge, in fact we had no use for their services due our ceasing of operations. 

Apparently Chase claims never to have received our letter closing our account and that they would look into it and make a determination. 

Yesterday, I received a letter dated XX/XX/XXXX from chase informing me that the balance they show is correct and that I should make a prompt payment
Consumer complaint received 2020-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (IN)

I had a Navy FCU credit card account that was opened in XXXX and closed in XXXX. It had a {$1000.00} limit was closed with a XXXX  balance. They are reporting current use in XXXX and 120 days late with several payments in XXXX and XXXX. This is all completely false information and they refused to adjust my credit report. In addition, it now shows a recent payment of {$250.00} with I have no knowledge of and a current balance of {$2100.00} when the limit was only {$1000.00} when I had the account. 

I want this false information removed immediately as it has dropped my credit score by 100 points and is stopping my from using any credit whatsoever. 

Again, I closed it in XXXX, it 2as never late with a perfect payment history and closed with a XXXX  balance. 

If someone is using this account they should be prosecuted for credit card fraud.
Consumer complaint received 2021-05-24
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. (OH)

I've tried to fix these issue that are showing up on my account. I had identity Theft happen which I notified the credit bureaus, the police department, and the creditor as well. I have been trying to get this resolved for over a year in a half.I tried to provide information to the three credit bureaus and I have been unsuccessful. The creditor tried to take me to garnish my wages in which I was successful in court that I am not at fault and creditor did not do the things necessary to communicate this debt was mind. I was found not responsible for any liability of debt when came to repossession on my credit report. The person also tried to open accounts in my name and also default on two credit card. I hope that the copy of the police report, credit affidavit, court documentation, will be enough evidence to release me of these items that are hurting my credit. XXXX refuse to acknowledge the evidence and remove this item off my credit report regarding the repossession. XXXX and Equifax will not remove this collection or inquiry that were also affected by these events
Consumer complaint received 2019-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MI)

On Friday, XXXX, I made a {$150.00} payment over XXXX to a close friend, which i authorized. Afterwards chase sent me a fraud alert via text message and called me when I said I did not make the following transations that followed. I DID NOT AUTHORIZE the next transations, and they believed me, and sent me credits back. I asked them to close my account or lock it, and they said they did and to come into a bank Monday. When I arrived at the bank my account was empty again and it was for different amounts from XXXX pay again. They returned 2 out of 5 payments that I was told all went to the same recipient, all 5. They gave me back {$340.00} out of {$970.00} and closed the investigation. I have been calling them almost every day for two weeks and have been into 2 different banks on multiple occasions. I DID NOT authorize these transations and feel I deserve the money returned because I know they have the facts on their end.
Consumer complaint received 2020-09-22
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)

To whom this may concern I am a Victim of identity Theft. the Information Listed On this Report does not Relate to any Transactions that I've made this is Identity Theft. please Block this Information from my credit thank you
Consumer complaint received 2019-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (TX)

I recently looked at my credit reports and noticed that US BANK/ELAN FINL SVCS,XXXX .... reported negative marks 30 day lates on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. 

According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 
In short, I never received such a warning notice! 

I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by theFTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve
Consumer complaint received 2020-12-06
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 (CA)

I have been out of school for 10 years and paid off my student loan balance in XX/XX/2020. All of my student loans have been serviced by Fedloan Servicing. All 3 credit agencies ( XXXX, XXXX, and XXXX  ) show over 40 student loan accounts ( some of them from my XXXX degree which were paid off over 15 years ago ) which adversely impact my credit score. I am trying to buy a home and this is negatively impacting me. Many of the " accounts '' are loans with the same date. They won't fix this, and I submitted complaints with all 3 credit agencies. Their interface times out after 5 mins so it's impossible to go line by line to ask them to fix this issue. I have a XXXX balance and neither party thinks its their job to do anything. Fedloan Servicing, whom I called weeks ago, tells me to contact the credit agency, and the credit agencies tell me to contact the servicer to have the loan removed. Now I am stuck in the middle. This is outrageous.
Consumer complaint received 2023-01-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MD)

Okay so on XX/XX/XXXX a friend asked me to convert XXXX $ on XXXX  XXXX  to paypal and i did but i did it through my bank the first time and it put the money on hold ny friends didnt want to wait so i seen the money wasnt taken yet so i re tried i got my pay check today and it took the XXXX $ off my account and i already sent him it and its still pending or hes not trynna send it back ( fake friend ). I need the money back asap please.
Consumer complaint received 2023-03-29
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)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.
Consumer complaint received 2022-04-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (NY)

I applied for a refinance with Citibank on XX/XX/2021. I wanted to take advantage of a low interest rate environment, I currently have a 3.375 % mortgage with XXXX XXXX  and was offered a 2 % refi on a 15 year loan, including a 3/8 of a point reduction which was added as I am a preferred Citi Gold account. ( over $ XXXX investments ) I was contacted by the Citi mortgage banker and after 1 phone call and 3-4 emails, he never spoke to me again and handed me off to his assistant to collect the necessary documents. I provided the necessary documents to get started but as a small business owner, they wanted confirmation that my XXXX was forgiven. It took time to get this and they offered a courtesy rate lock. 6 months later into this process they tell me my XXXX ratio isn't working out and they want to modify to a 30 year. I did not want that but I was willing to listen, they came back with 3.75 % interest! 
Now I am very angry with the Citi Mortgage banker because he didn't identify my needs and could have told me that my XXXX was off within 3 weeks of my application. I was now left out of potentially finding another loan because interest rates are now higher than my current one. Originally, XXXX offered to refinance but i said no thanks because I was getting a slightly better rate ( 3/8 ) because of my investments. Citi really XXXX XXXX  and the mortgage rep at Citi never called me to admit his fault, his manager just refunded me my expenses and agreed he was wrong and I was mishandled from the very beginning. I will now pull all my accounts from Citi.
Consumer complaint received 2020-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (OH)

While I was XXXX, my passport and debit card information was stolen and used to withdraw over XXXX dollars from my PNC bank account. I have disputed the charges immediately upon XXXX, however the bank is refusing to return any of the funds because it was over 60 days. I could not dispute earlier because I was in XXXX. My passport was also used to go to a local PNC branch and withdraw XXXX dollars.