davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-04
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$880.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$880.00} -This is not my account.
Consumer complaint received 2020-11-05
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)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX
Consumer complaint received 2022-04-30
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: U.S. BANCORP (CA)

Few months ago, I had discovered that I was a victim of identity theft. I discovered that someone unknown to me had used my personal information to open an account with Elan Financial. As soon as i find out about this account i did file an identity theft report and i sent a copy to elan financial and sent copies to all three major credit reporting agencies. i requested from elan financial that comply with my request in the following matter, Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report I also requested that do the following.

Stop reporting false information about this debt to credit reporting companies Provide me with the records I requested.

As of today, I have not received no documents supporting the information they are reporting to the credit bureaus. Which is damaging my benefits that i can have with good credit. If you look at my credit report not only you will see excellent credit history for over twenty years you will also see the high limit credit card not XXXX dollars that the are reporting falsely under my name. today i checked my credit report my credit score dropped XXXX points and they reported false information that i made partial payment with no evidence to the credit bureaus and me.
Consumer complaint received 2020-07-24
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: CITIBANK, N.A. (TN)

My complaint is for a service i did receive. 
I paid XXXX {$8800.00} for a vacation to XXXX from XX/XX/2020 to XX/XX/2020 for six adults. As confirmed on my credit card statement, i paid in full for the vacation on XX/XX/2020. But XXXX canceled my reservation for both flight and resort on XX/XX/2020 and send me an email on the same day stating that will not refund my reservation and i have to reach out to my bank for refund. Since then, i have contacted city as advised from city i provided all relevant documents proving that the merchant cancelled my reservation with my consent and have not received the service from merchant. This is fraud. i did not receive the service that promise to me. This is lot o money, lot of pain and suffering. I want city to resolve the dispute
Consumer complaint received 2018-02-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (AZ)

I have been trying to get the loans from XXXX college discharged due to the school being closed. I filed a complaint with the Department of Education for the federal loans obtained from this school and it is still being processed. The school closed on XX/XX/2015. I have spoken to Navient on at least two separate occasions approximately four to five months ago about the loans from this school being a financial hardship and the degree is invalid, as I have attempted to transfer credits prior to the closure of the school and was unsuccessful on multiple attempts.Due to the fact that the degree is not valid and the transcripts are not valid also due the closure of the school, I am asking that you please consider why the debt for these loans should have to repaid since they are useless. Education should offer a return on your investment and in this case it has failed miserably to do so. People further their education in order to gain some use out of it, usually  employment or some type of advancement in their career and it is sad when all it does is accumulate debt for the individual.
Consumer complaint received 2018-04-05
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. (TN)

Equifax is reporting a state tax lien on my credit report. The item has be disputed and it came back verified. I have confirmation that this account has not been verified. I spoke directly to the lien source to dispute the reporting and they notified me that they DO NOT report to any credit reporting agencies via phone, email or fax. I need to know the source of this verified information. I need to see verifiable proof that the information that Equifax is reporting is 100 % accurate and 100 % verifiable. Unless, the credit bureaus have recently started conducted a title searches, which I know they have not. This account is not verified and per the FCRA needs to be deleted immediately. Please give this matter the attention it deserves. If this is not resolved immediately, I will pursue litigation in this matter to enforce my rights under the ( FCRA ) Fair Credit Reporting Act.
Consumer complaint received 2022-04-29
Product: Credit card or prepaid card — Store credit 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: Affirm Holdings, Inc (ME)

I accidentally made a purchase through Affirm. I immediately tried to cancel. Both the ticket place ( XXXX ) and Affirm were closed, so I sent e-mails to both companies. I searched for hours on their sites and Apps to find contact info for these companies. Neither one had them. Unfortunately I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Once the XXXX was under control I researched online and found a phone number for Affirm. I contacted them and spoke to XXXX. He told me I needed to wait a week to hear back from the XXXX place. I explained my situation and told him the money taken out of my account was my rent money thats due in 2 days. I was told there was nothing he could do to help me.
Consumer complaint received 2018-02-12
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: EQUIFAX, INC. (IN)

XX/XX/2017 a hard inquiry on my credit was established. I have disputed this over the last several months. I do not and have not lived in XXXX, IL. neither have I been to XXXX for over 20 years. Equifax refuses to remove this inquiry, along with the false XXXX hard inquiries that I have followed all of the correct measures to have removed, they also are from XXXX, IL. XX/XX/2017, XX/XX/2017, and XX/XX/2017.
Consumer complaint received 2024-03-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AZ)

About a week ago I received a random text message from this girl named XXXX. I told her wrong number & thought nothing of it. Today ( XX/XX/22 ) I went on my mobile bank app to transfer money through XXXX to a coworker. I selected the coworker 's name and completed the transaction to transfer money. At the end of the transaction, it said that the money was sent to XXXX. I did not select her name! I also did not save her as a contact in my phone. This is a scam!! The bank ( Chase ) did nothing to help me.
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

I have XXXX XXXX reporting on my Credit Report as this is a incorrect error, From XXXX, I have No knowledge of this debt! Account # : XXXX! Phone number : XXXX!! Pleaseeeeee, Im, asking, too, Remove, this debit, Completely off, my, Credit Report!
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (TX)

On Friday XX/XX/XXXX I called a company I thought would help me find a low-priced home to rent and they directed me to Lexington Law Firm for credit repair. I gave them my social security number but not verification for my credit cards ( they pressed for both ). I did not pay them anything, but I'm still worried that the number could be used by someone else.
Consumer complaint received 2021-02-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NJ)

My loan was recently taken over by Mr. Cooper home mortgage loans XX/XX/XXXX. In that time they have double charged me twice, when disputing payments that were never authorized on my behalf nor scheduled on my behalf they charge me fees to dispute. When contacted them in XXXX for XXXX XXXX charge they instructed it could not be waived, even though the disputed charge was never scheduled on my behalf. Again  XX/XX/XXXX another duplicate payment was made not authorized by me, I have confirmation emails showing my one monthly payment only. When contacted company to dispute they yet again charged me another non-waivable fee for a payment they made an error on. When asked if this was going to occur every month I schedule a payment they had no response. When asked to speak to a manager they changed the subject and ended the call. When scheduled a call back on Monday XX/XX/XXXX a call back was never received. I now have XXXX XXXX worth of disputed fees attached to payments I never authorized in the 2 months they have had my loan. I have reported to XXXX but have not heard back in regards to this matter. I want to be able to pay my monthly mortgage payment without having to worry about being double charged, lied to, and made a fool when I have been a homeowner for 13 years I have never experienced issues and customer service more horrendous than Mr. Cooper. They should not be in business let alone doing this to hardworking people who pay and have impeccable credit.
Consumer complaint received 2021-02-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

I pay all my bills by bill pay. They did an escrow analysis adding a charge of XXXX . In XX/XX/2020 they sent an up charge, Since they were sending unlimited advertisements to me I apparently missed their notice. In XXXX I called and was notified I Did not pay their up charge that I could pay it on the next Payment. I paid it then. They then notified after cashing the {$1100.00} payments, that my payment was 30 days late, of course this has affected my credit rating. NewRez loan number XXXX.
Consumer complaint received 2022-01-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MD)

I has used venmo a few times before without problem. On or about XX/XX/2021, I used venmo to send {$50.00} to another person. And venmo wanted me to provide personal information which I do not feel comfortable with. I immediately asked venmo to either cancel the transaction request or send the money to the other person. However, venmo refused to cancel the transaction and also refused to send the the money to the other person. On XX/XX/2021, despite of my written objection, venmo withdraw {$50.00} from my bank account, and insisted they are going to hold my fund indefinitely or until I provide personal information to them. Today, XX/XX/2021, they are still " in review '' my transaction, and according them, they are not going to finishing review until I provide them my PII. 

According to the FAQ on their own website, https : //help. venmo.com/hc/en-us/articles/360027356113-ldentity-Verification " If we're unable to verify your identity... You'll also still be able to make payments to others using a linked debit card, credit card, or bank account. '' Regardless whether or not they have legitimate reason to request PII, I feel I do have right to refuse and not use their service. They do not have my authorization to withdraw fund from my bank account. When they did take money from my account, they should immediately refund to me after my objection. However, they choose to ignore my request. What they are doing is bullying and robbery.
Consumer complaint received 2020-01-26
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

XXXX XXXX keeps sending me my set of files that are old and outdated when they denied my complaint. These are dated back to XX/XX/2019 and the files of XXXX XXXX  appear to be in total disarray. I am attaching a letter dated XX/XX/2019 that refers to the {$1700.00} charge dispute from XXXX XXXX XXXX  XXXX  XXXX that is FRAUDULENT. 
Later I received a letter from XXXX dated XX/XX/2019 that I also let my spouse read that stated my account would be credited in 10 business days based on the new information I had submitted to them. I kept faxing them that week the deadline was drawing near ( The XXXX Fraud Department ), and did not hear back from them after the 10 business days passed. Capital One took over the XXXX XXXX / Walmart accounts and there was about a 3-day blackout where I could not get my balance to see if it was correct. The first day I could log back in I could see the credit was missing and called Capital One. It took almost an hour but the XXXX XXXX  Fraud Department was contacted and Capital One was told they needed 5 additional business days to apply the credit due to the transfer of accounts. When they time frame passed, again nothing was done and the Fraud Department told us that they were no longer servicing any of the old Walmart accounts. This is poor business practice at its best and even worse customer service. XXXX XXXX  was not following though on their promised and were sending outdated and incorrect information to the Consumer Financial Protection Board. I wonder if the Comptroller of the Currency and the FDIC if you are a federal bank of the State Financial Board if you are not are going to be as tolerant as I have been through this process. You are sending false information to a federal banking regulatory agency and it will be noted in the files.I would like to receive a FULL report on my case and all the paperwork ( not just the old paperwork you keep referring to ).
Consumer complaint received 2020-01-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (KS)

I received a letter from National Credit Adjusters ( attached ) on XX/XX/2020 ( despite it saying it was sent on XXXX ). I contacted the collection agency on the same day. The letter clearly advises payment must be made by XX/XX/2020. This is a classic example of " overshaddowing '' as the agency is attempting to force me to make payment within the validation period or lose out on the opportunity to save money by settling. 

Further, I do not owe this debt, I do not know what this is for and dispute it in its entirety. I have forwarded a copy of the letter to my attorney.
Consumer complaint received 2021-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (MO)

This lender, XXXX Bank, has engaged in an ongoing and breathtaking pattern of misconduct, ranging from sheer incompetence to outright deception, including the following : -Falsely claiming I did not have insurance on the property so they could purchase insurance at multiples of the fair market rate and try to pass along the inflated premium to the borrower -Deliberately misinforming me that my loan had been sold to another lender, so that I would stop complaining about their misconduct ( in fact, the loan had not been sold, just assigned to a different TIAA servicer ) -Unilaterally altering the terms of my mortgage by adding additional escrow fees that I specifically declined
Consumer complaint received 2020-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Credit Karma (MO)

Credit Karma ; My email is deactivated, I tried email the support member that's on their site. They need a phone number to call. It makes no sense I cant call these people that have ads on XXXX & XXXX but, no number. 
Email XXXX XXXX
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be deleted. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$850.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$990.00}
Consumer complaint received 2021-08-19
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: EQUIFAX, INC. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court. 

There is also a bankruptcy in my credit report. It was included in my current report that it's already deleted and when I check the actual report, it's still showing on it. I've attached my recent report here that says it's already deleted.
Consumer complaint received 2022-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IL)

Hello, Complaint XXXX has not been resolved and situation has become worse. XXXX taxes now 3 months delinquent. 

Previous complaint was that taxes due on XX/XX/XXXX were not paid out by my mortgage company. As of XX/XX/XXXX they have still not been paid. 

In XXXX, PHH mortgage accepted an electronic payment on my account but did not " apply '' it. So I then saw in XXXX that they had my account as 33 days overdue and my auto payment had been turned off. 

On XX/XX/XXXX, I spoke to PHH and was told the XXXX payment would be applied in a few days but that I would need to do a one time payment for my XXXX mortgage. As directed by XXXX, on XX/XX/XXXX, I did a one time payment on the phone with XXXX. 

Today, XX/XX/XXXX, I see a payment deduction from XX/XX/XXXX of {$1600.00} AND on XX/XX/XXXX a payment deduction of {$1700.00}. My mortgage payment has been deducted now twice. HOW MANY PEOPLE CAN AFFORD THESE KIND OF MISTAKES? 

FYI : My taxes due in XX/XX/XXXX, were paid 4 months late. 

I am desperate for some help with the poor service and record keeping of a company that gets business from XXXX XXXX. PLEASE HELP ME thank you XXXX XXXX
Consumer complaint received 2022-01-12
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/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 


This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion