davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (MA)

1. As of this date ( XX/XX/XXXX) I have not received responses to letters sent to XXXX XXXX XXXX XXXX ( UAS ) ( 1 ) Letter addressed and mailed to XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WI dated XX/XX/XXXX ; and ( 2 ) Letter addressed and mailed to XXXX XXXX XXXX XXXX XXXX, IL dated XX/XX/XXXX 2. The lender XXXX XXXX XXXX XXXX XXXXs ( XXXX ) states it is the responsibility of the borrower to confirm enrollment status directly to XXXX  at least once a year and the repayment policy is a three-month grace period after graduation and/or ending attendance in school. XXXX   appears to apply the end of grace period each XXXXXXXX   semester which is inconsistent with the provisions of the loan.

3. Communication notices from XXXX  do not provide dates when the document is sent and some notices are received around the same time which does not allow for timely response.

4. XXXX erroneously reported to CRAs the account is past due when I was currently enrolled in school and had provided documentation to which they have yet to respond.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX  OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 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 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2023-03-17
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: LEXISNEXIS (IL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portnoy Schneck, L.L.C. (NJ)

In XX/XX/2022 I had a title search done to identify any outstanding debts that I might have.This debt did show up on the report but I did not recognize it as mine, and there was no address to indicate that it might be me.I never have or would have accumulated that large a debt. My lawyer sent a signed affidavit that said I had no known responsibility of this debt to this company.
Consumer complaint received 2017-02-04
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Reverse Mortgage Solutions, Inc. (CA)

My XXXX father took out a reverse mortgage through Reverse Mortgage Solutions. When he passed away, our intent was to pay off the loan. RMS never sent notification to the heirs providing the rules, our rights, and asking our intentions, which were to pay off the loan and keep the house. My sister was eventually able to get them to speak with her over the phone and obtain the paperwork to submit stating her intentions to pay off the loan and keep the home. Over several calls she received many different claims as to what paperwork they had or had not received. My brother, the executor, contacted them asking for the payoff amount and received a letter stating ~ $ XXXX. My sister, an heir who had moved into the house, after submitting her intention to purchase the home, contacted them many, many times requesting information about how to proceed and after much avoidance, they finally told her they would have the house appraised and someone would be in touch. We never received the appraisal results or notice that an appraisal had been completed, which is what my sister believed she was waiting for to proceed. Eventually, she found out the house was going to the Sheriff 's sale, but we had never received notification of foreclosure. At that point my sister went to a bank to get a loan for the house, and was told the house had been appraised by RMS for ~ $ XXXX. My sister had more than the appraised value available and went to the Sheriff sale to bid on the home. An RMS representative showed up to the Sheriff sale and placed a winning bid of over $ XXXX, nearly 3 times the amount of the appraised value. My sister lives in the home and has tried very hard to work with RMS to purchase the home ; RMS did not, in good faith, work with her or provide her with the information necessary to proceed with paying off the loan, surely because they would have lost over $ XXXX given the appraised value. The sale is set to be confirmed in court on XX/XX/XXXX, where my sister will contest the sale.
Consumer complaint received 2022-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX aXXXX XXXX XXXX  CST, I received emails and phone calls reporting suspicious activity on my debit card. I called Wells Fargo and at that time no charges had gone through. While talking with the re and after stating I did not authorize these purchases 2 more for the total of {$500.00} went through. I said this was not me and I have had my card in my possession and have never given my PIN to anyone. I filed a claim and 7 days later my claim was denied. I appealed the claim and asked for documentation on why the claim was denied. I was told that I approved the text message saying the transaction was mine and that a chip was used and could not be duplicated. I provided detailed text logs from XXXX XXXX XXXX, showing that no text was received and that no text was sent during this time frame. I also provided a screen shot from Wells Fargo banking statement that showed the chip was not used and the card was swiped. I have filed a complaint with the XXXX, Attorney General, XXXX XXXX XXXX and also the FTC, in an effort to get the money back. They have still denied that claim. I have asked that they provide the footage from the ATM, both from Wells Fargo and also the PD. Wells Fargo said they would not supply that information. I have proven that it wasn't me the the requested documentation from Wells Fargo has still not arrived.
Consumer complaint received 2015-08-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NC)

Loan amount does not match with original settlement amount. Original loan was an XXXX loan with XXXX that then was sold to XXXX XXXX XXXX. XXXX XXXX XXXX consolidated XXXX loans into XXXX. Then the loan was sold to Greentree, who is the current loan holder. Now they say there is still XXXX loans for my mortgage and the XXXX mortgages original amount is more now than its original amount of loan when I purchased home.
Consumer complaint received 2016-09-13
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (OH)

We filed bankruptcy over 10 years ago and had a line of credit with GreenTree Mortgage. Our house was foreclosed on in 2009. Several calls were placed to them to notify. They told me it was being written off. Now, 7 years later I am getting harassing calls from Ditech Mortgage about paying the delinquent account and are reporting it on my credit report.
Consumer complaint received 2023-03-17
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: Experian Information Solutions Inc. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
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 — Account information incorrect
Company: Continental Finance Company, LLC (GA)

Someone made a {$190.00} fraud charge on my XXXX / Celtic / Continental credit card in XXXX. I reported the charge and they just kept sending me new cards without investigating. The balance continue to grow with late fees. I repeatedly called and Could not speak to the person who could fix the situation so I filed a complaint with the XXXX. In the meantime, it has been reported on my credit that I am currently {$99.00} past due and that I have a {$270.00} balance with the card co and I do not. I have contacted them again and again and disputed with all 3 credit bureaus and they can not get the company to provide update information. I have it on my phone, it shows paid and credits/ adjustments where they issued credits for the past due fees and charges. It is obviously this credit card company that is the issue since none of the disputes have rectified the problem.
Consumer complaint received 2021-04-29
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. (NJ)

inquiries were fraudulently placed on my credit reports from XXXX  XXXX XXXX. my personal information was used fraudulently. the inquiry dates are : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-29
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. (NJ)

inquiries were fraudulently placed on my credit reports from XXXX  XXXX XXXX. my personal information was used fraudulently. the inquiry dates are : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-04-04
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

FIA card service charges retroactive interest. For example, if I spend {$100.00} in XX/XX/XXXX, and payment for that is due on XXXX XXXX. If I pay on XXXX XXXX, I 'm charged for 13 days of interest, rather than one day of interest. Paying three days late therefore comes to an annualized rate of ~140 %. It 's disgustingly predatory.
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX 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 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have reached out to the company to report the inaccuracies on my credit report but the company has not responded appropriately. 


XXXX XXXX XXXX XXXX {$2600.00} XXXX {$1400.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX  {$460.00} XXXX XXXXXXXX {$510.00} XXXX XXXXXXXX {$370.00} XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$6.00}
Consumer complaint received 2022-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I have been with Wells Fargo for 22 years and have never made a complaint however I recently had an unauthorized zelle transaction that debited {$1000.00} that was not available in my checking account and had to be moved out from savings to completed. I did not discuss my account with anyone nor share my account information. Wells Dargo denied my claim saying I authorized it even after I gave the details and recortes immediately. I change my logins and dont feel safe leaving my money in my account anymore.

I have contacted 3 additional times and not one supervisors has called back.
Consumer complaint received 2018-03-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX I believe this is the agency that has been hacking into my accounts using fake XXXX accounts Received a letter from them has my social security number listed! Stating that I own XXXX XXXX money. 

Was not XXXX Bank obligated to protest card holder for hackers inside their company and from hackers that used their company to hack peoples accounts? 
Someone using Discover Bank hacked into my bank and took {$300000.00} a few years ago. XXXX DID pay it back BUT did not stop them from hacking and taking funds from my XXXX and XXXX XXXX cards to the amount of over {$40000.00}! This funds sent to a fake XXXX credit card account! 

Discover Bank NEEDS to stop letting hacker work for them!!! 
They owe me over {$40000.00} plus the amount that the hackers took from my XXXX Credit cards. Plus damaged that they did to me of {$50000.00}. 

In XXXX of XXXX  I became XXXX and sent a claim into Discover Card to have my payment paid by the payment protection plan that ALL card holder had pay for> I was told I did not have that coverage that I was paying for as required by them ( federal court ruling XX/XX/2012 XXXX I can canceled both cards and started to pay them off at {$100.00} to {$300.00} per month. About four years ago someone at Discover Bank or through them took {$3000.00} from MY bank! They did send me a blank check for no more then # XXXX! But when the hacked into my bank the got my other credit cards and started transferring money ot of them to a fake Discover card account! Before I caught them and pt a stop to it the took over {>= $1,000,000}! Discover Bank has been ordered by several federal court to stop setting up fake accounts in class action law suites!
Consumer complaint received 2015-11-25
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (NC)

I applied for a conventional 30yr fixed mortgage loan with Sebonic Financial in XXXX, NC which is a subsidiary of Cardinal Financial Company. I did not receive the correct Closing Disclosure until I was at closing. I was provided a preliminary disclosure, but it was not 3 business days in advance and it had significant errors ( over {$170000.00} wrong ) although the new mortgage rules require disclosure at least 3 business days in advance. I had to explain to the lending institution that a HUD is no longer provided by the closing attorney and spend countless emails and phone calls back and forth requesting they correct the closing disclosure and paperwork, but I had to sign incorrect paperwork at closing because it was never corrected appropriately.
Consumer complaint received 2015-07-22
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Account Control Technology, Inc. (VA)

original loan was XXXX months. I wanted to pay off in XXXX months. sent extra money to make this happen. XXXX did not apply funds correctly.XXXX stated it would correct matter, would refer to an analysis. instead they discharged my loan. XXXX would not explain why. told debt collection. contacted XXXX ombudsman. they said could not help. went to an attorney, said wait until they put a judgement against you. mean while debt collection wants to garnish wages and take income tax refunds.
Consumer complaint received 2017-03-14
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BARCLAYS BANK DELAWARE (VA)

XXXX XXXX XXXX XXXX XXXX, working with XXXX XXXX XXXX, imposed hefty up-front fees based on a false promise that they would sell timeshare quickly. They issued a credit card to collect the debt. 
They never sold the timeshare and yet are charging {$4500.00} for a service they never performed. 
Both companies are based in XXXX, MO.
Consumer complaint received 2023-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have mailed in documents due to unauthorized inquiries on my credit report several times with certified letters regarding the issue .its 19 inquiries that i did not give permission to pull or look at my credit file the only one should be XXXX XXXX and thats accurate. XXXX thats accurate and XXXX XXXX is accurate but everything thing else is inaccurate.
Consumer complaint received 2017-02-08
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: SYNCHRONY FINANCIAL (NY)

I have a Fraudulent Old Navy account on my credit bureues I have called Sychrony Bank the holder of this account and spoke with there XXXX department, I was told they have closed the application and will send notice to the bureaus for deletion of the trade line, However I later discovered that they did not send over any information to the credit bureau, and the bureaus are reporting me as late and derogatory, Because of this I have lost over a XXXX points from my XXXX scores, I also reported this fraudulent activity to the local police, XXXX, XXXX district attorney, and FTC. I want this fraudulent account removed from my credit profile effective immediately
Consumer complaint received 2023-03-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 
XXXX XXXXXXXX XXXX Opened XX/XX/2021 XXXX : {$700.00}.
Consumer complaint received 2020-10-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (KS)

i called PayPal support to get a transaction that was on hold to be lifted off hold so i could pay for services for my business. the tech said he needed to put money on one of my cards to get it registered so he wanted a log me in thing set up so he could use my screen to do whatever it was he needed to do. so we installed an app allowing him access to run my computer. as the technical problems kept mound up he said one last thing we could try, get my wifes debit card we would transfer money from her account to PayPal my account and then put right back in her account. as i logged into her account he said he wasn't able to see the screen while i was logging in. so he transferred XXXX out of her account and then said he put it back. all while making another transaction to him self i didn't know about and tricked me into pushing the accept and pay button saying " don't worry it will be right back in there " any way so we got the hold lifted and my 2 payments of 500 went thru. then my wife the next day asks me why is there XXXX paid to that tech from PayPal? I don't know there was not supposed to be any payments made from her account, I tried to contact him back and have got no answer or return call. so i filed a report with PayPal and they said in the resolution department they couldn't do anything about it. so here i am hoping you can help. it was their support that did this and that money needs to put back in my wifes account. 

thanks for your time and immediate response on this matter. 
XXXX XXXX XXXX XXXX feel free to contact me for any further information