davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (DC)

I have been enrolled in the Public Service Loan Forgiveness program with verified employment since XXXX. With the temporary expanded waiver, I am well over XXXX payments which include partial and late payments. MyFedLoan has rejected my application for forgiveness, listing the outdated criteria on the rejection letter dated XX/XX/XXXX -- well after the criteria was widely disseminated. I have tried to resolve this issue directly and they say they can't do anything because it ; s the XXXX XXXX XXXX XXXX problem. I filed a complaint with Federal Student Aid and have heard nothing. I have made XXXX qualifying payments and my loans need to be forgiven immediately. MyFedLoan is wrongfully rejecting my application.
Consumer complaint received 2020-06-04
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (LA)

On or about XXXX XXXX Midwest Recovery Systems placed an item for collection for {$780.00} on my credit report stating it was opened XXXX XXXX. On XXXX XXXX I mailed a certified letter to request validation that was received and signed for by them on XXXX XXXX and I have not received any response from my request to validate as of yet. This company also attempted to collect this same debt in XX/XX/2018and a letter of validation was sent at that time as well and their was not any response at that time as well it was just removed from my credit report until recently being placed back on their. I am asking for the company to validate that the debt is not past the statue of limitations, the amount owed, the original opening date. I have not had any form of communication with the company and I have not received any letters giving me the opportunity to dispute the item which is my right. I would like for them to remove this inaccurate information from my credit report immediately and cease reporting inaccurate information to the credit bureaus. They have also placed a remark on my credit report that I have disputed the account which I have not been given the chance to do so because I have not received a response to my request for validation from either attempts.
Consumer complaint received 2022-08-17
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: Experian Information Solutions Inc. (MD)

XX/XX/2022 Called to demand deletions because the bureaus did not have consent and was hung up on. Told I was going to be transferred and was hung up on again.
Consumer complaint received 2022-08-17
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: EQUIFAX, INC. (AL)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. They violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Account # XXXX
Consumer complaint received 2019-03-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (UT)

This issue that I am writing the CFPB about concerns a Balance transfer upon opening a revolving line of credit with the financial institution HSBC. 
HSBC supplied checks for the purpose of balance transfers and other purchase options. I filled out a check for a balance transfer on XX/XX/2018. Said check posted to my new HSBC account on XX/XX/XXXX. 
I checked the balance of the account that the check was intended to cover and found that the balance had not yet reflected as paid. I called the institution and inquired as to why my account was not reflecting the XXXX balance as it should and they informed me that they had not received a check. Maybe they had not applied it to the correct account? They requested that I supply a check # and routing info and they would check. 
I contacted HSBC to acquire the information requested of the other financial institution. After more than one call asking for this information I finally received a copy of the check. 

The issue at hand is that after confirming that my previous financial institution did not receive the check, and confirming that the address was indeed correct for the location at which they should have received said check. They admitted that I was the victim of fraud and that I should dispute the transaction. 
Here is the problem that I need direction on. HSBC says that there procedure for this concern is that I am to walk into a Brick and Mortar location and fill out an affidavit and then they will reverse the transaction making me whole again. 
Unfortunately the closest physical branch is in XXXX XXXX California and I live in XXXX XXXX XXXX Utah. 
On multiple occasions I tried to escalate my issue up the management chain to find an optional method for resolution. After speaking with multiple representatives that obviously work in a call center based in another country with very thick accents repeatedly telling me to walk into a branch location and then promptly hanging up on me I am reaching out to the CFPB to get some further assistance with customer service options. 
I even tried to call Physical branch locations to speak with a US based banking representative, Unfortunately all branch locations local U.S. # 's direct you right back to the call center to route or screen your concerns. 

I am now on the hook for {$2500.00} dollars twice. This is not acceptable and I would like a fair resolution outside of obtaining legal representation.
Consumer complaint received 2018-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc (NJ)

I have a XXXX violation noted on my background check conducted by XXXX that its not my violation. Plus other old violations still posted causing my partnership to be closed with XXXX. Now my household is in finacial hardship without this income.
Consumer complaint received 2018-02-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: JPMORGAN CHASE & CO. (FL)

Date : XX/XX/2018 RE : Complaint ID XXXX To Whom It May Concern : Thank you for your vital assistance regarding complaint XXXX, Chase /Student Loan Division. 
However, the correspondent, I received from XXXX XXXX XXXX, Chase, Executive Office on XX/XX/2018 did not address my concerns. 
I understand the debt was cancelled, yet when I was financial able to pay on the loan Chase refused the payment, nor would they reinstate a payment plan. 
My question is is it company policies or federal regulations reasons why Chase would not accept payments, after the XXXX was issued. 
Regard, XXXX XXXX P.S. My original concerns did not have anything to do with credit reporting procedures.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRY COMPLETELY FROM MY CREDIT REPORT. 
XXXX  XX/XX/2021
Consumer complaint received 2019-03-19
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: Rapid Mortgage Company (OH)

In XX/XX/XXXX, my husband and I, applied for a mortgage through Rapid Mortgage in XXXX OH ( offices in XXXX and other towns too ), but on our report it shows XXXX XXXX. 

That isn't the issue. 

The issue is that in XX/XX/2019, our credit was ran again without our consent. 

The companies ' headquarters in XXXX has the XXXX, OH office delete all of our information, but this unapproved inquiry is still showing. The person in XXXX, OH that ran our credit was XXXX XXXX, and again, this was NOT authorized. 

This man became hostile, rude, and belligerent toward our XXXX XXXX when we ask about this ; and that is when we contacted the main office and asked for him to stop.
Consumer complaint received 2019-03-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: I-NET, INC. (MD)

Obtained a loan from INET Inc, XXXX XXXX, XXXX XXXX Funding Supervisor Title Supervisor iNet Inc. 

XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Ph ( XXXX ) XXXX ext XXXX Fax ( XXXX ) XXXX On XXXX. They were the broker for the loan and put it through to XXXX XXXX. Inet refuses to send me a copy of the original title to the trailer so I can transfer it from XXXX  to XXXX, get it registered, tagged and a lien recorded. They won't return calls, have been stating that they overnighted this document to XXXX MVA on XX/XX/XXXX and then stated again that they overnighted it again on XXXX. They continue to play games, won't return calls nor provide the legal document to close this loan.
Consumer complaint received 2018-03-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ZARVAD III S.A. (LA)

over one year ago someone obtained personal information and opened an account and used information to obtain multiple payday loans and then switched them to our checking account for repayment, had to close accounts and institute fraud investigation which bank found in our favor and reversed all charges, now a XXXX from this loan company is making harassing phone calls and threatening us to take our vehicles, lien on house and go to court over non payment phone # is XXXX XXXX XXXX my pay day loan
Consumer complaint received 2018-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I have sent letters to XXXX  and Experian about a public record they are reporting. I would like to know the method of verification I have sent several letters requesting this and they have not provided this. I have contacted the court at the address listed on the reports and was notified that they do not verify any accounts with any 3rd parties. Please remove these unverified accounts from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Chapter XXXX bankruptcy
Consumer complaint received 2023-04-06
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. (GA)

I recently pulled my credit report. I found two accounts that I didn't open XXXX XXXX XXXX account # XXXX, opened XX/XX/2023, {$880.00}, XXXX XXXX XXXX account # XXXX, opened XX/XX/2023 {$1100.00}. I have never been in contact with this company, never sign any documents in reference to these accounts. No one has contacted about these accounts. I believe this is mistaken identity or someone has stolen my identity and opened these accounts in my name. 

In Accordance with Fair Credit Act this company has violated my federally protected rights to privacy and confidentially under section 15 USC 1681. I am asking that this account be removed permanently.
Consumer complaint received 2019-03-19
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Village Capital & Investment LLC (CA)

In XX/XX/2018 I signed documents to Village Capital & Investments to refinance my home loan to 4.6 %. They informed me that I could get any money because I had not been in my property long enough but they could reduce my interest rate and I would have a 2 month break because my payment would be due in XX/XX/XXXX. Which I agreed t but it ended up them not following through and I had to file lost litigation and is still trying to catch up with my payment. Now I also have this on my credit, and they still have not tried to correct what has happened to me. I tried my times to call them but they have not responded also my lender called them and asked to speak with the owner of the business and no response.
Consumer complaint received 2018-03-07
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (TX)

I called American Honda Finance on XX/XX/2017 tonask for a special payment plan because Inwas in between jobs and I needed assistance. The representative stated that I qualified for a special payment plan since I had a great payment history for the past 2 in a half years prior. They asked me if I wanted to initiate this special payment plan and I agreed and said yes. This special payment plan allowed me to bypass two months of payments. They then mentioned they would temporarily remove me off of easy pay and to call back a month later in XXXX if I wanted to get back on easy pay. Only if I had the means to make a payment. I received no calls or no notifications that my payments were late because To me they representative stated I would be on the special plan. I then call back in XXXX to make sure everything was well and was going okay and they informed me I was behind on my payments! I asked why if I was on a special payment plan and they stated that I never initiated the payment plan! I stated that I did because I really needed it and they denied it so now my credit score went down 54 points!! They dropped the ball because they told me to call back if I wanted to get my on easy pay and they stated that they told me to call back to initiate payment plan which is false because I needed the special payment plan to go into affect immediately starting when I called!
Consumer complaint received 2021-03-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (WV)

1. Foreclosure without proper notification. 
2. Foreclosure without the borrower being notified. According to the foreclosure laws of WV. 
3. My wife left on XX/XX/2020, I contacted the bank to set up auto-withdraw. The lady at the bank said the house had been foreclosed on and sold already that there wasn't anything I could do to rectify this situation. They told me to call my local courthouse so I did, they told me to contact the foreclosure department for my bank and gave me a number. I did that and they told me the house would be given to a realtor in XXXX so call back then and she would be able to give the realtor 's name and number, so I did and didn't get the same lady and the other lady said it was with HUD, not their bank so I contacted them they told me it was with FHA dept. I have an attorney if you would need to see the documentation for all of this. It isn't an attorney for this situation but they have the information. My ex-wife had put holds on the mail, changed the contact information to a phone number we no longer had her email and any certified mail or personal notification she received and disposed of or hid. I never recieved any notice at all I worked full time as a XXXX  XXXX and started my XXXX XXXX at this time I worked 14 to 16 hour days 6 and 7 days a week. I had the money it just wasn't being paid. Had I known I would have fixed this before it ever got to this I put XXXX dollars into this house while it was being foreclosed on. 
4. Huntington National Bank, HUD, FHA, and my ex-wife
Consumer complaint received 2020-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 60 days late as of XX/XX/2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Consumer complaint received 2020-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I got a collection letter, did not know why. checked to find I was a victim of I.D . theft I filed a report.with F.T.C. and local police.Sent all to C.R.A. and usaa savings bank. the information was removed from my report. Then it showed back up on my report. I tried to get it fixed, but was denied due to it already investigated. after some time I was told by XXXX  Fraud department that usaa reported to them that they had proof that I opened the account. 
Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/2016 Account type Credit Card - Revolving Terms
Consumer complaint received 2022-11-19
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: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Repprting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX  # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-03-19
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: TRANSWORLD SYSTEMS INC (TX)

On XX/XX/XXXX at XXXX CST, XXXX XXXX XXXX called my place of employment ( my desk ), after being transferred from the operator, from phone number XXXX. I was sued ( served ) by  XXXX XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX. I had retained a lawyer and both cases were dismissed. One was dismissed in XX/XX/XXXX and the other in XX/XX/XXXX. These cases were dismissed without prejudice. The first one was dismissed because XXXX XXXX XXXX dropped the lawsuit and the second was Dismissed for Want of Prosecution. I should not be receiving phone calls from XXXX XXXX XXXX as both cases were dismissed. The statute of limitations has also passed ( 4 years in Texas ). XXXX XXXX XXXX has never contacted me at work and I am unsure why they are attempting to contact me at my place of employment given the reasons above. When they called they stated that it was regarding a personal matter and asked for the last 4 digits of my social and mailing address. I refused to provide either and hung up the phone.
Consumer complaint received 2019-03-19
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. (TX)

On XX/XX/2019 two affidavits were sent to Experian. 

In these affidavits, a dispute stating only facts were sent to be answered or corrected. 

USPS Certifed mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Recieved XX/XX/2019 ***attached copies of affidavits*** Experian has sent a none affidavit letter saying it would not investigate. This isnt really my problem. I am sending this complaint as intent to sue Experian when the 30 days are up from the date these affidavits were recieved. Even though this is a FCRA violation of non compliance. Experian was told about missing incomplete information. Experian choose not to investigate. This is willful non compliance. 

*** letter will be attached*** Regardless of what Experian has sent, they are not in default until XX/XX/ 2019 and this complaint serves as my intent to sue if corrections are not made by the default date. Any and all actions by Experian are being documented and can and will be used against them in court.