davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

I had requested forbearance in XX/XX/2020 and was approved through XXXX ( Loan servicer ). Per the forbearance, I did not have to pay XX/XX/2020 and XX/XX/2020. However, I continued to make payments through the forbearance. In XX/XX/2020, the loan was paid off as I refinanced with another lender. The payoff added the {$1900.00} that was supposed to be the amount I owed had I not made the payments through forbearance to the payoff quote. They double charged me and after several calls and countless hours of phone conversation, they were not able to help me. 
Please let me know if you need more information and I am glad to provide.
Consumer complaint received 2023-07-20
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southwest Recovery Services, Inc. (CA)

I work for a company, I am an employee, not an owner, partner, or principal. XXXX XXXX at Southwest recovery services is threatening to have the debt attached to my personal credit, stating that he knows my Social Security number, even going so far as to read the last four digits back to me. The debt he is calling about is a debt related to my employer. He is repeatedly calling, with abusive, demeaning and threatening statements.
Consumer complaint received 2020-12-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (WA)

XX/XX/XXXX - {$570.00} - Disputed, no validation letter, was never given account to dispute, don't recognize this debt. 
XX/XX/XXXX - {$2200.00} - Disputed, no validation letter, was never given account to dispute, don't recognize this debt.
Consumer complaint received 2020-06-02
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: EQUIFAX, INC. (FL)

To It May Concern ; I had An incident where someone broke in my house, ever since that happen my identity has been used by an unknow source. these Accounts are Related to Fraud. I did not Authorize these Account. 
Attached is the police Report of what happen at my home
Consumer complaint received 2022-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-05-03
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: EQUIFAX, INC. (SC)

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 2021-05-03
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Capital Accounts, LLC (VA)

Ive received several hateful and abusive calls from a collector, when I haven't had any knowledge of this account. They have already taken payments from me but I followed steps on the federal trade commissions page to submit a report for fraudulent debt collectors. I'm concerned because this company doesn't match any company names, or addresses online as the Email they sent me. I think this is a wrongful debt, and they've threatened to take lien of my bank account and sought legal action saying they will find me & they will do what they need to, to get their money.
Consumer complaint received 2021-05-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (FL)

Paypal has been holding my payment since XXXX. No reason given for the hold. They still owe me {$180.00}. I have trouble paying my bills because of this. hey have been keeping my money for weeks to get the " float '' on it.
Consumer complaint received 2020-12-03
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. (NY)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-08-11
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. (CA)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$16000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$190.00} XXXX XXXX Balance : {$16000.00}
Consumer complaint received 2021-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NV)

On XX/XX/XXXX I submitted CFPB Complaint # XXXX requesting Experian remove the FRAUD ALERT from my credit profile. I even sent the demand to their attorney on XX/XX/XXXX clarifying they were not entitled to have a copy of my ID or any other personal information outside of what's necessary to identify they have the correct profile pulled up. 

In a correspondence dated XX/XX/XXXX from Experian 's attorney, XXXX, she states that Experian removed the fraud alert from my credit profile. This is false. Experian intentionally and willfully refused to remove the fraud alert from my credit profile. 

Instead, Experian changed the original date of the fraud alert from XX/XX/XXXX and falsified the reporting claiming that I requested the fraud alert on XX/XX/XXXX. I did not. They put a 1 year fraud alert without my permission. 

I am demanding the fraud alert be removed completely and immediately. I do not give permission for a fraud alert to be on my credit profile.
Consumer complaint received 2021-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I want to request the removal of any and all security freeze and fraud alerts from my credit file. I was trying to apply for an account today from XXXX and I was told that a security alert of the freeze was still on my credit file.
Consumer complaint received 2018-02-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (OH)

On Friday, XX/XX/XXXX, I tendered payment on my student loan. I was informed that processing the payment would not occur until Monday, XX/XX/XXXX. It was explained to me that Nelnet was unable to accept payment on non-business days. This is a reasonable policy that most business, courts, and other industries follow. Unlike, these other industries Nelnet has decided to continue to toll time against me during the weekend. My due date is Sunday, XX/XX/XXXX. As a result, I was informed that even though I tendered payment two days before my " due date '' I would still be considered late as the payment will not be processed until Monday, XX/XX/XXXX. This policy is counterintuitive and unjust. If a loan processor can't accept payment on the weekend then why do I have a due date on a weekend? The due date should be changed to the next " business '' day. This seems like a policy that is designed to collect late fees and potential harmful to other individuals. I would like the CFPB to investigate the business practices of student loan processors.
Consumer complaint received 2022-04-29
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. (CA)

In accordance to the fair credit reporting act XXXX Account number XXXX Chapter XXXX Bankruptcy 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 an account without my written instructions.
Consumer complaint received 2021-09-17
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: OneMain Finance Corporation (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft US SM BUS ADMIN XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft ONEMAIN Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXXTO Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2023-07-27
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. (AR)

I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. I demand an immediate deletion and appropriate remedies as per the law. The following items should be deleted as they are fraud in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX  XXXX XXXX Balance Owed : {$2200.00} ; XXXX XXXX Balance Owed : {$560.00} ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$560.00} ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX XX/XX/2023.
Consumer complaint received 2022-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX  is in clear violation under the FCRA 15 USC 1681 ( b ) permissible purpose of consumer report. The law clearly states ( a ) in general subset to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX XXXX permission to furnish my utilization. Furthermore the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( 1 ) exclusions from a consumer report clearly states : ( 2 ) exclusion except as provided in paragraph ( 3 ) The term consumer report does not include - ( a ) subject to section 1681 ( s ) -3 of this title any- ( i ) Report containing information solely as XXXX transactions or experiences between a consumer and the person making a report. Utilization is an experience with a line of credit that was extended between the consumer ( me ) and the person ( XXXX XXXX  ) thats making the report. Congress clearly states that the report of transactions or experience between the consumer and the person making the report is not included on the consumer report. Therefore XXXX XXXX is in violation of the FCRA 15 USC 1681 ( a ) ( 2 ) ( i )
Consumer complaint received 2024-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Block the identity theft-related information from my credit report as mandated by FCRA Section 605B . Immediate action is demanded to comply with the law, and notifications to all information furnishers must be sent promptly. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$8500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$18000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX {$13000.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$5900.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Date Opened : XX/XX/XXXX Balance : {$26000.00} XXXX Please remove these accounts immediately.
Consumer complaint received 2023-03-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: WELLS FARGO & COMPANY (CO)

Supposedly they sold my grandma life insurance when she opened her account and transfered her mortgage to their bank. She passed away XX/XX/21 and had me listed me as her benefactor as well as her P.O.D. Well went into the bank the first time they told me I needed letters of testament, and told me I had to open a probate case in order for me to be able to access her mortgage, then when I went into the bank with all the correct paperwork, they gave me a cashiers check with her account balance, and put her mortgage in the name " the estate of ... '' And looked at me like I was crazy when i asked about these supposed life insurance, and mortgage insurance policies they had roped her into, but told me I could continue to pay off her mortgage.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

Experian, XXXX are still reporting XXXX XXXX account. As original creditor that I owe them. {$860.00}, when this account was sent to XXXX  XXXX XXXX XXXX. These XXXX credit reporting agencies. Are allowing fraudulent information to be seen by possible companies. For loans, credit cards, etc Per FCRA & FDRCA, original creditor cant report and outstanding balance due or past balance. In the amount more than XXXX. Accounts in collections cant report a past due balance or balance due either. Ive tried on several occasions. To contact XXXX XXXX about. Them reporting a balance above XXXX. Experian & XXXX reporting this account. Makes my debt amount higher. Than should be reported.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$6800.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2200.00} XXXX XXXX XXXXXXXX Balance : {$360.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$170.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (PA)

I am writing this dispute because I believe it is against the law for a hard inquiry to stay on my credit without permission of me I have no account with the lenders this was ran through a third-party without my permission for these particular company thank you
Consumer complaint received 2021-10-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (VA)

I requested an international wire transfer with Wells Fargo, on XX/XX/XXXX for XXXX. On XXXX XXXX, Sunday, the day I found out I was scammed, I called Wells Fargo, explained to the representative A that I was scammed XXXX. The representative XXXX  told me there is nothing she could do over the phone that I would need to go to a local branch to stop the transaction. Then, I tried to make an appointment over the phone for that Monday ; however, they were all full that day and the earliest appointment was XX/XX/XXXX. I went to the local bank on XX/XX/XXXX, where I did the wire transfer with representative XXXX on XX/XX/XXXX, explained to him that I had been scammed and want to do a reverse transaction or do a charge back. The representative XXXX wrote down my phone number and said he will call me back for an appointment. I am upset because the representative XXXX didnt take the matter urgently. He didnt seem to care or concern that XXXX may be withdrawn by the recipient. He said he will call me back to schedule an appointment and we will handle it. When doing a swift recall it is time of the essence. The representative XXXX should have reach out to his coworker to help me with the circumstances despite his appointment with another client. Instead, he reach out to representative XXXX on XX/XX/XXXX to help me with the matter since I have an appointment. Although international wire transfer takes up to 3 business days to complete, I believe there was still a chance to stop the swift recall. Instead, the recall was initiated on the day I made an appointment on XXXX, XXXX. The swift recall could have initiated 24 hours sooner. Because such a large amount of money was wired out, XXXX, the representative XXXX should have take the matter seriously especially knowingly that was a scam wired transfer. Since it hasnt been more than 3 business days since the wire transfer, the swift recall could have been initiated that Tuesday and potentially that XXXX would not have been withdrawal by the recipient. Thank you.
Consumer complaint received 2021-09-17
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. (TX)

I have disputed multiple inaccurate accounts they are reporting to my credit report and they have failed to respond to my disputes! These accounts are false and inaccurate! 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ; XXXX XXXX XXXX and XXXX XXXX XXXX