davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-21
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. (KY)

Trans Union and XXXX XXXX XXXX failed to validate debt, because Under the laws of the CFPB and KY UCC 9.506 and state RISA and MVISA, I have contacted XXXX XXXX XXXXXXXX myself and have been unable to get them to validate the above referenced debt along with a copy of the required notices by the KY UCC 9.506. 
I have requested information on how the debt was verified by Trans Union along with the supporting documentation that they have I have enclose copies of my requests to Trans Union and XXXX that was sent XXXX XXXX, 2017, asking them to validate my debt, along with proper notices required by KY UCC 9.506. I have also included copy of the original tracking receipt and confirmation of delivery. I was given no response by XXXX to validate the debt or Trans Union
Consumer complaint received 2021-09-10
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. (TN)

In XXXX of 2020 I sent TU, XXXX a letter disputing the validity of the bankruptcy they are reporting on my credit report. Courthouse does not verify such info as described in attached letter. All Bureaus recieve a copy of this info and still responded saying they verified item through XXXX XXXX. I contacted XXXX XXXX directly to dispute item in question and due to nonverification from them they sent response and deleted in XXXX of 2020. XXXX XXXX has also tried to contact the bureaus as well to have them update reports and they said they were not getting any responses from any of them. I even provided all companies with copies of deletion from XXXX XXXX and their attempt to contact as well as informing them that if they could not reveal how, they truly verified the item then its needs to be deleted according to the FCRA It is now XXXX and this inaccurate item has been sitting since the first dispute in XXXX XXXX at this point I am ready to take legal action as this is affecting credit and stopping me form handling important matters such as home buying. This item needs to be deleted immediately as this will be my last courtesy before i file a legal claim for damages
Consumer complaint received 2021-07-06
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: Bread Financial Holdings, Inc. (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-07-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (CA)

PayPal took money out if my checking account without authorization. I chose PayPal credit as my funding source for a transaction, they informed me immediately that it was approved ; however, 2 days later the money was removed from my checking account without authorization. 
In the past, I have been informed that PayPal credit isn't available and to chose a 2nd funding source, in this case, PayPal took it upon themselves to remove the money from my bank, unauthorized and they refuse to correct the situation
Consumer complaint received 2017-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MN)

I have been trying to get my annual free credit report from Experian for 2 years. Every time I always got error message : A condition exists that prevents Experian from being able to accept your request at this time. 
Then I ca n't no longer request the annual free credit report from Experian any more for the next year. 

All the other 2 credit bureaus never have this issue.
Consumer complaint received 2017-11-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

i closed my checking account # XXXX in person at the branch in XXXX, MA. 2 weeks later, the account was " reopened '' due to a payment being debited to a XXXX XXXX credit card that was attached to the account. There is absolutely no way that an account should have been " reopened '' because of this. If anything, I would owe a late payment to XXXX XXXX. Santander Bank has no right to be paying my bills from an account that I closed. This is fraud. 

The representative on the phone told me that even though an account is closed, Santander Bank has an obligation to pay any bills attached to it. It 's not Santander 's obligation to pay my bills. If anything, i would have to deal with the issue with the debiting bank. It should be noted that the representative specifically stated that the account was " reopened. '' With all of the sales practice concerns and inappropriate account openings occurring at large financial institutions, i know this is a buzzword for the industry.
Consumer complaint received 2023-09-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (WA)

PennyMac received my loan in XXXX from XXXXXXXX XXXX PennyMac paid my XXXX insurance premium and was notified of the XXXX premiums for insurance that were due. PennyMac did not pay my XXXX home insurance premium. XXXX ( home insurance ) therefore terminated my homeowners insurance. Neither XXXX nor PennyMac notified me of the loss of coverage on any platform. My escrow account has enough to pay for any premiums, and I have never been late on a single mortgage payment. 

My house was burglarized on XX/XX/XXXX and I was unable to file an insurance claim due to a lapse in coverage. 

When speaking to a PennyMac representative, backup insurance was offered, but it only covered home damage, not lost or stolen items. I was also told by the representative that I should have contacted XXXX to inform them that I had switched from XXXXXXXX XXXX to PennyMac when I received the welcome letter from PennyMac. This was told to me by the representative before I discovered that PennyMac was already aware of which insurance company to pay, having paid the XXXX premium. 

XXXX and PennyMac should have notified me of my termination of coverage. PennyMac should have paid the premium.
Consumer complaint received 2023-08-02
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. (VA)

This company is in violation of federal law reporting accounts that do not belong to me and that were opened fraudulently I have filed a police report sent in the copies of that report and a identity theft report copy company is to violation accounts include XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX  these accounts are fraud and I will be taking legal action against this company for violating my rights
Consumer complaint received 2016-08-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC. (NJ)

I received a call from my bank on XXXX XXXX XXXX informing me there was a hold on my account. From a debt owed since XXXX. They told me to call Midland credit management and they informed me to call pressler and pressler. I never received a court order or any letters pertaining to this ever. I informed them that this is clearly identity theft and they told me they were going to persue the case. I called theft identity.gov and i am going to my bank to get a copy of the court order then off to fill out a police report. I have good credit. I just purchased a new car and this never came up. My credit score is XXXX. Clearly not someone that does not pay her bills. I am getting the rin around. Please help.
Consumer complaint received 2016-12-06
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: North American Credit Services (OH)

I have attached the letter I received from the company. It is a third party trying to collect on a medical bill I owe, I intend to take care of the bill but the letter I received has made me feel threatened to do so. Considering the balance i owe I do not feel these collection techniques should be used, threatening to garnish someone when they have not filed suit on even such a low balance seems unfair to consumers. 

All Americans are dealing with debt and medical bills should be something that is regulated differently. 

The fear of a lawsuit when trying to pay all other kinds of debt is terrifying.
Consumer complaint received 2021-07-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

On XX/XX/20, I received the attached e-mail from Nelnet informing me of the forbearance on student loan payments and providing options to continue to make payments during this forbearance period. I sent an e-mail that very same day, as directed in the e-mail, requesting to continue to make loan payments at 0 % interest during the forbearance period ( please see all attachments evidencing the e-mail was sent ). The payments were never taken as directed. It appears that Nelnet was not and is still is not prepared to service its vulnerable customers during this pandemic. I was specifically harmed by Nelnet 's lack of action as I was unable to take advantage of continuing to make my payments at the 0.00 % interest rates. Further, I am still uncertain as to how this issue will affect my ability to have my remaining balance waived after 25 years of continuous payments.
Consumer complaint received 2021-07-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Texas Guaranteed (TX)

Problems started from the very beginning with trellis. They gave me the option to consolidate and add a ton of interest or threatened to mess up my credit and keep me in default and take my money from my work. They even locked me out of my account so I couldnt pay. They didnt let me in until I threatened to get a lawyer. I was not about being forced into adding $ XXXX to my loans so they took the money from my checks. They will not let you pick how its applied so they put the money towards the low I retest loans first leaving the high interest. I have finally gotten to below {$1400.00} and they stopped cashing the checks and threatened to give my money back. Because they Have been charging illegal interest against covid rules and still taking my money. I wrote them and called them. Then emailed what they told me to. I emailed them to keep the money and apply the illegal interest towards the loan. Instead they have now sent me a refund and put all my balances back to $ XXXX on the higher interest loans. I know they did this so they can do collection and interest again. These people should be shut down.
Consumer complaint received 2017-11-19
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. (NC)

I have submitted a certified letter every month for the last three months to all three major credit bureaus and the original creditor stating that there are multiple errors being reported on the XXXX account being reported. I have asked for validity of debt and documentation to prove that this is indeed my account and each time it just come back as verified with no proof. If this is indeed my account I need documentation stating that or they must remove this inaccurate and erroneous information immediately. 

Account in question : XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-03-31
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. (FL)

Equifax Information Services LLC, XXXX XXXX, XXXX you XXXX credit reporting agencies broke the law and continue to break the law!!! I have all my proof to prove you all 3 of the violations!! I refuse to allow you to perform deceptive practices with me, its going to cost you millions of dollars with your behavior and deceptive business practices!!!! 
Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports Equifax Information Services LLC, XXXX XXXX, XXXX PLEASE provide me with the proper documentation, that I, XXXX XXXX, signed with you to furnish my information in the first place? I DEMAND YOU TO DELETE EVERY NEGATIVE ACCOUNT/ITEM RIGHT NOW!!! I AM NOT PLAYING WITH YOU!!! You are violating my consumer rights and I never gave you permission to do so!!!! And prove me to me how you validated and verified the accounts??? I need full proof because I am tired of playing with yall and if I have to sue yall, I will do it, this is not a threat, this is your warning! Pursuant to XXXX. XXXX. XXXX XXXX Certification of Truth, accuracy and completeness YOU ARE IN VIOLATION!!! I have all my proof to prove you deceptive business practices credit reporting agencies!!!!!! You dealing with the right consumer and I wont stop until you pay me for all the violations!!!! I have all facts!!! You deleted the negative accounts and then replaced them that is against the to report inaccurate information!!!!
Consumer complaint received 2017-11-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (NJ)

Diversified consultants, Inc has attempted to collect from me debt that I do not owe XXXX. Succinctly, I had XXXX services for about two years beginning XXXX of XXXX until XXXX of the following year XXXX. I requested to temporarily suspend my service due to my many travels and not being able to enjoy the services that I paid for. XXXX respectfully agrees to this request. However, on my return from my trip abroad, i received three months bills from XXXX that I owed them. I informed XXXX that this is in no way possible for me owed them since my service have been suspended at least, temporarily while i was away. In responding, XXXX informed me that their system automatically turned my services on and that they would relinquished the amount owed. All said and done, I, knowing that I wont be around often due to work and other busy schedule, decided to terminate my service. Now, XXXX is charging me cancellation fees. Please note ; I do not have contract with XXXX at the time of requesting the service thru XXXX as cinfirmed by XXXX. I am perplexed as to why I have been dubiously held responsible for money I do not owed them. This is a fraudulent attempt by XXXX to collaborate with diversified consultants to extract money from me.
Consumer complaint received 2017-11-21
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (FL)

I filed dispute XXXX with the CFPB against XXXX on XX/XX/XXXX regarding the inaccurate reporting of a late payment on a credit card account. The negative information caused my credit score to drop by over 70 points. 

I received a response from XXXX on XX/XX/XXXX explaining that they would investigate the matter but they have no record of my initial dispute. On the same day that XXXX   responded to the complaint they also notified XXXX XXXX of the significant drop in my credit score even though the information was in dispute and the investigation had not been completed. 

XXXX XXXX decreased my credit lines based off of XXXX  reporting dated XX/XX/XXXX. XXXX XXXX proceeded to decrease my lines of credit through XXXX, XXXX XXXX, and XXXX XXXX further effecting my score. 

I had not requested an additional credit card or an increase so I did n't understand why a report was being pulled on XX/XX/XXXX or why I was up for review. XXXX XXXX customer service representative explained that no request had been made and I was not up for review but that XXXX just reported the significant drop in score and other negative information. 

The error regarding the late payment was quickly corrected on XX/XX/XXXX. My credit score was updated with XXXX and XXXX and increased however not to its original score. I explained to XXXX XXXX on XX/XX/XXXX that the error was corrected and my score should 've increased. They told me I had to request a credit line increase and pull my credit. However my score was still down over 70 points. The representative at XXXX XXXX   explained that XXXX would have to notify XXXX XXXX with the change or update to my report before a new report and score would be considered to increase my credit line. Even though the error was corrected and my score has increased, this error and the reporting by XXXX  after I filed a complaint has continued to be detrimental to my overall credit and finances with back to back credit line decreases. XXXX has not notified or updated my information and XXXX XXXX continues to decrease my credit lines based off of the XX/XX/XXXX credit reporting of XXXX. I do n't make late payments to XXXX XXXX or anyone else nor am I in jeopardy of not being able to pay my bills. I did not make a late payment however I 'm being treated as if I have and my credit continues to be effected. Why exactly was the drop in score reported while in dispute but once it 's corrected it does not trigger reporting or an update to creditors. It is unfair to make decisions on my ability to pay on incorrect and outdated information and then continue to further damage my credit with credit line decreases. 

I would like my credit lines increased. I would like my information updated. I would like to stop being treated as if I do n't pay XXXX XXXX, XXXX, and XXXX XXXX every single month. I would like my credit score to stop being effected over an error that has been corrected and was not my fault.
Consumer complaint received 2019-05-21
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: EQUIFAX, INC. (NC)

I am a victim of Identity Theft due to a Data Breach. The fraudulent accounts have been identified in a dispute placed with the three major Creit Reporting Agencies via mail sent on XX/XX/2019. The Items I have identified and highlighted from credit reports do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681 : once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2021-04-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

Hi on XX/XX/2021 my Coinbase account was hacked using a SIM card swap. Whoever gained access to my cell phone number, was doing change my password and verify with my cell number. However they disconnected my phone and all my texts were going to them. I disabled my coinbase account and verified my account and was able to get back in two days later. However, these hackers still had access to my phone number which I did not know at the time. They were waiting for the verification process to go through to try again at hacking my account. After coinbases verification process they were able to get me out of my email completely and back into my coinbase account. I ended up canceling my service provider and getting a new phone number. My problem now is that coinbase is not allowing me back into my account. I can not get into the account to change my phone number OR verify my identity. I get an error message saying account disabled contact support. I have around {$5000.00} in there. When I email them they say a specialist is  working on my case. Ive learned through XXXX that no one is working on my case. I desperately need help. I want all of my money back or at the very least access back into my account so I can withdraw all of my money. I had absolutely no idea they were enabling hackers ( they cant void transactions, have no idea where money goes when its been sent, dont answer emails or have a phone line ). Im praying you guys can help me.
Consumer complaint received 2017-12-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

attached is proof of this account being delete please follow suit and delete this account as well i formally request that the following inaccurate item be immediately remove from my credit report they must be removed in order to show my true credit history as this item should not be on my credit report. HERE IS A COPY OF XXXX UPDATED CREDIT REPORT DATED XXXX XXXX 2017 THEIR FINDINGS AND PROOF OF THEIR REMOVAL OF THIS ITEM PURSUANT TO THE FAIR CREDIT REPORTING ACT I EXPECT YOU TO COMPLETE THE REMOVAL WITH 30 DAYS please send me my updated report as soon as your investigation is complete thanks in advance XXXX XXXX