davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-08
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. (PA)

Across the three credit bureaus they have been neglectfully holding information against me all the while not reporting back to me as it has been more than 30 days since I reached out regarding my credit report about accounts due to identity theft. My identity was compromised a few years ago as I was left defenseless to end the attacks and figure out who was opening accounts in my name, making unauthorized purchases and by the time I found help to lock my reports it was already too late. I completed the information required such as an FTC complaint and so forth as well as added fraud alerts however XXXX, and transunion along with XXXX have neglected to investigate my concerns as you will see on the attached documentation breaking FCRA rules and regulations all the while keeping me in the dark. There are dozens of fraudulent accounts across 3 bureaus stuck on my report in which I am reaching out to the cfpb to help me with this as these bureaus are purposely leaving fraudulent information and inaccurate information on my report. They also said I failed to provide information however, I have sent in all the information months ago as you can see on the documentation I will have uploaded providing everything I sent to them. This needs to stop after this my last resort is pursuing legal action
Consumer complaint received 2016-06-06
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Credit Service Company, INC (MD)

I reviewed my XXXX credit file In XXXX XXXX and discovered that there were XXXX collection notices from Credit Service Company in XXXX, XXXX on behalf of XXXX XXXX XXXX at XXXX XXXX XXXX Hospital in XXXX, XXXX. I asked XXXX to investigate and they quickly verified that the bills belonged to me because the collection agency had a lot of my personal information. I had been hospitalized in XXXX XXXX at XXXX XXXX XXXX Hospital for at least a week. Medicare and XXXX XXXX XXXX XXXX XXXX paid the hospital bill in full and I assumed the associated bills from XXXX XXXX XXXX XXXX which is a separate billing entity were also paid in full. They usually have been paid in full. No one contacted me about unpaid balances From XXXX XXXX until now I have never received a telephone call nor correspondence from XXXX XXXX Hospital, XXXX, nor XXXX XXXX XXXX. Only XXXX XXXX XXXX XXXX uses XXXX XXXX XXXX as bill collector. I can not verify that the amounts ( approximately {$210.00} ) are vaild. There is specific no description of the services provided. The bills paid by XXXX and Medicare amounted to over {$5000.00}. I ca n't even find an accurate telephone number nor address for XXXX XXXX XXXX Services. I will not pay the collection bills until the amounts are described and verified. I have lived continually at my address in XXXX, XXXX and retained the same telephone number for approximately 29 years.
Consumer complaint received 2016-09-29
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

The Complaint that I have is with PORTFOLIO RECOVERY ASSOCIATES. Over the last 4 months I have requested validation on multiple occasions for several debts that are listed on my credit report. I have asked for evidence that bears my signature that shows that I have a contractual obligation with PORTFOLIO RECOVERY ASSOCIATES. I have not received anything that I requested and it still listed on my credit report from all XXXX of the Credit Reporting Agencies. 

Please Help me.
Consumer complaint received 2016-01-15
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA (PA)

I received XXXX notices from XXXX XXXX XXXX that my student loans were eligible for default. The letters went on to say that XXXX verified my employment and that my lender may contact my employer to institute a wage garnishment. 

I have not had loans with this company for years. I called and both XXXX and the lender told me this was a mistake by XXXX, that they accidentally sent out THOUSANDS of these letters to consumers. This is atrocious.
Consumer complaint received 2020-10-17
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. (GA)

To Whom It May Concern, This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. 
Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX & XX/XX/XXXX 2. XXXX XXXX & XX/XX/XXXX 3. XXXX  XXXX & XX/XX/XXXX XXXX XXXX XXXX  & XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be  liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : Inquiry Removal Letter 2 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Consumer complaint received 2017-02-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: Diversified Consultants, Inc. (OR)

XXXX has my secured info and has account open I my name I did not approve but XXXX wo n't verify me to discuss stunt but send account to collection I live in XXXX Oregon it is XXXX
Consumer complaint received 2016-12-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (MN)

The loan servicer Federal Loan Servicing is the most incompetent company I have ever worked with. They have consistently given me the wrong information over the phone, did not send me important information when I was denied XXXX program, delayed communication, suggested that I let my account go delinquent while they processed information, and the list goes on! Their customer service providers gave half-information, told me to wait for weeks, and then I was forced to pay higher than I should have payments due to their incompetence. I want to change loan servicers. Please tell me how! And get rid of Fed Loan Servicing. They are part of the student loan problem! Not the solution!!!!!
Consumer complaint received 2020-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (GA)

I opened new checking and saving accounts. Each time I try to fund the accounts the transaction is canceled. Ive tried funding from two different accounts. The first time I was told they couldnt verify I was the owner of the funding account. I was told by the Chase CSR to fund from a different account. I did so and those transactions were canceled and my online account access has been blocked until I go back into the branch.
Consumer complaint received 2016-10-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: JPMORGAN CHASE & CO. (GA)

To Whom It May Concern : On in the month of XXXX of 2008 a private student loan was taken out illegally with the Company J.P. Morgan Chase in the behalf of myself XXXX XXXX XXXX XXXX. The loan was in the amount of XXXX +. I XXXX XXXX XXXX XXXX did not apply for nor did I receive any financial compensation from the loan. This Loan has left a negative report on my credit report which is causing me problems in my employment and financial livelihood. I have reported this illegal transaction to J.P. Morgan Chase requesting that they remove it from my credit report with no resolve. Please help me as to how I may go about getting this removed from my credit report as well as all negative scores in result of the loan. Thank you in advance for your assistance and XXXX. 

Sincerely, XXXX XXXX XXXX XXXX,
Consumer complaint received 2015-10-22
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (PA)

Recieved a call from a party claiming to be the IRS, party stated that there was a warrent out for my arrest, and that I had to pay {$5000.00} in order to satisfy XXXX tax evasion charges. I made XXXX MoneyGram transfers to people that I thoiught was the IRS. These transfers totalled {$4000.00}.
Consumer complaint received 2015-03-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NC)

This letter is to inform you of an issue I had while trying to make my XXXX 2014 and XXXX 2014 mortgage payments online with Ocwen Mortgage. My pay period is the last working day of the month and that is when my mortgage payments are made. On XXXX XXXX and XXXX XXXX, I tried to make the online payment at the website www.ocwen.com, and received a message that the system was down and to try again later. The system would not allow me to make the payment. Therefore, the payment was made via phone on XXXX XXXX. 
My credit report has since been pulled and I was notified that Ocwen is reporting two delinquent payments for XXXX and XXXX 2014. Once I was made aware of this issue, Ocwen Mortgage was contacted on XXXX XXXX, 2014 at XXXX. ; I spoke with a representative named XXXX. I explained the entire situation to XXXX and she informed me that I needed to write a letter explaining the situation to have this issue resolved. XXXX informed me since Ocwen Mortgage took over the loan on XXXX/XXXX/14, Ocwen Mortgage could not send any delinquent reporting 's to the Credit Bureau for 60 days. In addition, I called on XXXX XXXX, 2014 and spoke to XXXX XXXX # XXXX or # XXXX and XXXX stated when the loan is transferred, there is a 60 day seasoning and should not be reported. 
I take great pride in my credit scores and the information that is reported on my credit report very serious. We have been in our home for 17 years and have never had a problem until the loan was sold to Ocwen Mortgage. The mortgage has been sold several times ; however ; Ocwen Mortgage has been the worst. I sent a letter to Ocwen Mortgage to have the delinquencies removed and they would not remove them. It is imperative for Ocwen Mortgage to remove the delinquent payments from the credit reporting agencies as soon as possible.
Consumer complaint received 2019-02-22
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (WA)

I have received notification of an adverse credit reporting from XXXX XXXX. In XX/XX/XXXX, I contacted XXXX and learned that I had a student loan through XXXX XXXX in the arears of 120 days. I contacted to XXXX XXXX to find out what I thought was a cosign on a loan was actually a loan in my name. I immediately contacted XXXX XXXX and learned that they had the incorrect email for contact. I was told by their customer service representative at that time that XXXX XXXX does not mail anything out, that all contact is made through email. I immediately remedied the past due amount. I filed a dispute with XXXX XXXX because I had never been contacted. I also filed disputes with Experian, XXXX and XXXX because of the impact this had on my credit rating which had always been outstanding. I feel the adverse reporting on my credit report was unfair since I had never been contacted. None of the credit reporting companies reversed the adverse reporting. I made a two timely monthly payments, then on XX/XX/XXXX, I paid the loan in full. I contacted XXXX XXXX again on XX/XX/XXXX to request the adverse credit reporting be removed from my credit report. I was told that XXXX XXXX sent 2 letters, and made 2 phone calls to advise me of my late payment status. I never received either of the letters or the phone calls. I have always had an outstanding credit rating. XXXX XXXX is unwilling to change their credit reporting because their records show that letters were sent and phone calls made. Neither of which were ever received by me. I have always had outstanding credit. I pay all of my bills timely. I immediately upon learning of the past due loan, remedied the past due amount, kept current and paid the loan off in it's entirety. XXXX XXXX is unwilling to reverse the adverse credit action because according to their records, they did attempt to notify me. XXXX, XXXX and Experian will not reverse the adverse credit reporting because XXXX XXXX claims it is valid reporting. I feel this is very unjust. I was never contacted by XXXX XXXX. It was I who made contact with XXXX XXXX and made remedy. I want my credit rating restored.
Consumer complaint received 2016-09-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (OH)

This is documentation that i have compiled since i began disputing inaccurate reporting and items on my credit. It began XX/XX/2016 and have not been resolved. Since then in a mater of days my credit score has dropped over XXXX points with no use or change in my credit. There has been a serious error made here. I have called I have mailed in paperwork and every time i do, i 'm asked to wait anther 30 days. I do n't have anther 30 days from never to get this resolved. I 've included my police report, original mailed in documents and the responses from all XXXX credit bureaus. This has prompted me to file a formal complaint with the consumer financial protection bureau as well. One might think you would err on the side of caution before destroying ones life. I have lost a lot because of this error which is also included in my documentation i 'm asking you to cease and desist any further negative retaliation on my credit. Please address the items that listed for correction in my paperwork.
Consumer complaint received 2021-05-21
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: Eastern Account Systems of Connecticut, Inc. (VA)

In XX/XX/2021, I became aware that Eastern Account System was reporting that I missed payments to XXXX XXXX. These accounts do not belong to me. I sent a letter to Eastern Account System on XX/XX/2021, notifying them of the error and requesting that they correct the error with the credit reporting bureaus. According to the USPS, the letter was received by Eastern Account System on XX/XX/2021. I also disputed the accounts with XXXX, XXXX, and XXXX. XXXX and XXXX removed the information from my report, but I'm still waiting to hear from XXXX. Today, I was notified by XXXX XXXX alert notification system that the accounts have one again been reported by Eastern Account System as delinquent accounts. I will have to now start a new dispute with the credit reporting bureaus. I still have not received a response from Eastern Account System to my XX/XX/2021, letter, even though they received my letter over two months ago. My credit score has dropped by over 100 points.
Consumer complaint received 2016-03-01
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: Onity Group Inc. (NC)

I submitted a claim against QCWEN, the same outfit you appointed as ombudsman to manage recovery funds for individuals damaged by QCWEN et al. Ocwen refused to communicate but later they told me they had no proof of my standing on home I inherited from bu deceased son. Even though I provided court documents whereby I was appointed executor they still refused to provide ANY data or information on the home I became the owner of by court order. Its been yet another year later and QCWEN continues to advise my status for ferund of damages I incurrered. CFPB, in fact has been advised of this numerous times and all I get is rejection. I am XXXX, XXXX vet who will no doubt predecease any recovery. My question is WHY DOES CFPB NOT POLICE THE OMBUDSMAN THAT CFPB APPOINTED TO LAWFULLY DO THE JOB IT HAS BEEN ORDERED TO DO? I have been failing at every trun to gain assistance on this, the earliest matter OBAMA charged XXXX XXXX to police? Why does CFPH ignore my ongpong requests for help? 
Regretfully as I write this I seriously doubt I will obtain any help from CFPB, but I will die trying. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-12-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MI)

I have never applied for credit ever and someone elses debt is showing on my reports also I recently applied for a XXXX XXXX credit card and was denied stating I filed bankruptcy which I never filed in my life. 
Im a victim of identity theft and filed a report with the ftc
Consumer complaint received 2016-09-28
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO. (ID)

Chase credit cards set up their due dates to occur on Saturdays, and Sundays frequently during the year. If I set up and automatic bill pay with my XXXX account with two-day delivery on a Thursday to arrive on Friday, and the due date is either on a Saturday or a Sunday Chase will not recognize the payment arrived on Friday ( evening ) and charges late fees and interest. This is a ridiculous business model and cheats the consumer by allowing them to charge late payment fees, exorbitant interest fees, etc. If the due date is on a Saturday or a Sunday on the billing statement Chase and all banks should have the required staffing to receive the payments. Otherwise, they should record all payments received Monday morning as arriving by the weekend due date. This is a blatant banking practice and the CFPB has done nothing to stop this practice which is unfair and harmful to consumers. The best description of my issue includes billing statements, late fees, other fees and interest charges.
Consumer complaint received 2022-02-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Started a bankruptcy in XXXX started paying trustee in XXXX couldn't afford the bankruptcy and the auto payment so I fell behind. Auto loan is not under XXXX  so tried to get on an agreement they wouldn't work with me said I had to go through XXXX XXXX and file a court document to get on a 6 month pymnt plan. XXXX XXXX said I shouldn't have to and didn't want to but did anyways. We got a written agreement to pay XXXX a month starting XX/XX/XXXX. I paid the amount on XX/XX/XXXX I have an email confirmation. They attempted to repossess my car on XX/XX/XXXX. The guy felt bad gave it back after showing proof of agreement. I had contacted XXXX he contacted lenders XXXX they said it was a mistake. Then thought nothing. Then car gets repossessed on XX/XX/XXXX without my knowledge. Now lender is saying my agreement is not valid. When it's in writing and it feels like it has been stolen from me. I would also not be so behind if I was aware the agreement wasn't valid as well as make sure it didn't come to repossession and have to pay a repossession fee.
Consumer complaint received 2016-03-04
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (NC)

A former employee, used my personal Home Depot card to purchase items for herself, she was also in charge of paying the bills for that card. During the XX/XX/2013 she stole my identity and opened up several credit accounts. She was also embezzling money by entering payments to home depot but not actually making payments. She admitted all of this in court, and I was told by the judge it would take some time but I could not be held liable for her charges. I myself made payments to the Home Depot covering all the items that were purchased. However during the period she was embezzling the account was accruing interest, and late charges. The representatives from Home Depot are refusing to work with me on this. Eventhough they allowed another person to use my card at their store with out ever asking for I..D or any prior authorizations. I have lost so much over all of this, I had to work countless hours to save my business. I let them know that I was pressing charges and they could submit for restitution on their behalf, which is what the XXXX other credit card companies had done. They refused, told me they did n't offer that even though they are a subsidiary of Citi Bank which was another fraudulent account that was opened who submitted for restitution. I received another letter from Home Depot saying they would still be holding me accountable, and they did not care what any judge decided and that I should maybe turn it into my insurance.