davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-08
Product: Credit 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: Paypal Holdings, Inc (CA)

I paid {$350.00} and ordered a dress on XX/XX/23, the seller promised me that will provide tracking number in XXXX hours, never did. Contacted him maybe XXXX times to get at least the tracking number, he promised will provide next day, after that never responded to my several emails. Until today don't have tracking number and my order. And I believe it was a scam. I need my full refund. Tried to contact him today too, and again no response. Was promised that I will receive the dress in XXXX days. 
On XX/XX/23 I received XXXX inches empty envelope, I didn't understood who sent this envelope, but suspected that at the last days the seller sent me something to show that I received something for your decision. This is a scam an fraud. I ordered from the seller a dress for my wife. It is now way that the dress could fit in XXXX inches empty flat envelope, and you Paypal without going into details, decided to close on the seller 's favor. This seller is a scammer and cheater. Attached please find pictures of my order and the empty envelope, where you can see the same tracking number.
Consumer complaint received 2024-02-17
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently reviewed my credit report and noticed a fraudulent account. Please remove XXXX XXXX XXXX from my credit profile, I am not responsible for the alleged debt as I have no idea who this company is and I have never entered into any type of agreement with this company, this is fraud.
Consumer complaint received 2017-02-13
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BARCLAYS BANK DELAWARE (WI)

I filed disputes with Barclaycard Master card on XX/XX/2016. First after 3 months they just closed the dispute then reopened it when I called about it and then closed it again after another 2 months. They felt the merchant was in the right. I do n't feel they fairly represented me the customer. They never even bothered to give me a call. All calls were initiated by me and I never got what I felt were fair responses. I had provided them with a lot of information to prove my disputes but they showed me nothing the merchant provided to prove me wrong. I was left with the impression that they just did not want to take the time to follow through with my disputes since it involved a lot of money. My other Credit Card companies took far less information and found in my favor. They did not even offer arbitration.
Consumer complaint received 2017-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

I sent a request to Equifax asking for method of verification on a verified accounts and only received that the accounts was reported correctly. I also challanged the XXXX XXXX compliance. They have not provided me with documentation showing how they verified these accounts. Equifax needs to remember THAT as in XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Equifax is taking away my rights as a consumer.
Consumer complaint received 2023-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

It has been a battle going through this and I am writing to delete the following accounts in my file. The accounts I need to be deleted are listed in the report.I ask that the accounts be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and attach the said report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged ones with the accounts listed below showing on my credit report. I, therefore, request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the accounts as soon as possible. 
DEPTEDXXXX XXXX XXXX : {$7100.00}, DEPTEDXXXX XXXXXXXX XXXX : {$3600.00}
Consumer complaint received 2023-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (AR)

I'm going to school to earn a PA degree and license in psychiatry. I'm attending the XXXX XXXX XXXX to help obtain that degree. Back in XXXX this year, I receive notifications that NelNet had closed my student loan accounts as paid in full. Based on that information, I decided to start school this past summer and ALL disclosures/information presented to me showed I had {$0.00} in outstanding loan balances. Then, today XX/XX/XXXX, I receive an e-mail from XXXX stating that I had over XXXX XXXXXXXX in outstanding student loans. I get online and make a couple of calls to try and get this looked into. I tried calling NelNet and their wait time was XXXX minutes. I sent them an email but no reply.
Consumer complaint received 2017-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (NC)

The account from XXXX XXXX XXXX in the amount of XXXX sold the account to a collection agency. I disputed the account as it is not mine and the collection agency XXXX XXXX, deleted the account last year but I 'm guessing in the process sold it to another agency, Afni who not only re-aged the account to show recent but they are still trying to collect on an amount that was found not to be mine.
Consumer complaint received 2017-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

I have contacted XXXX XXXX four times on four separate dates to fix my credit reporting. I wasnpersonally discharged of the mortgage following my bankruptcy in XXXX all of a sudden, XXXX XXXX began reporting  to my credit bureaus again this year, in XXXX and XXXX of XXXX. I am now being declined for a new mortgage because of their inability to properly handle their bankruptcy cases. the reporting needs to be removed immediately or I will file a suit, as I have already reached out to my lawyer.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The XXXX and TransUnion credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-17
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. (VA)

This is my six 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-07
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: NAVY FEDERAL CREDIT UNION (MA)

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter and 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX XXXX XXXX XXXX ) via USPS certified mail with return receipt, this was 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The account was also deleted from my XXXX report as well so in order to correct the inconsistencies between the XXXX XXXX and XXXX credit reports, the account needs to be deleted from the XXXX XXXX XXXX  credit reports. 

The information for this account listed on my credit report is : CREDITOR : NAVY FEDERAL CR UNION, ACCOUNT XXXX, OPENED XX/XX/2018, BALANCE OF {$2500.00}
Consumer complaint received 2016-12-21
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (CA)

Lost my card and there was unauthorized charge of {$500.00} from XXXX. Issuer denied my claim due to similar charges I had on it before. I buy giftcards at XXXX every month and pay my bills every month. So why will I suddenly make a fraud claim for that charge?
Consumer complaint received 2015-04-03
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: JPMORGAN CHASE & CO. (FL)

I was called about a debt that was written off XXXX years ago, by the credit card company. It was then sold to several collection agencies, before ending up in the hands of XXXX financial in Illinois. ( XXXX ). They never stated this was an attempt to collect a debt, nor read the " mini mirnada '' required by debt collectors. The guy then proceeded to insult me, calling me a child, a bum, loser and so on. 
I eventually hung up, but after working in collections for a short time, I know what they did is illegal and they need to be fined for this.
Consumer complaint received 2017-10-14
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: Continental Services Group, Inc. d/b/a ConServe (TX)

inaccurate info with breach of XXXX has destroy my credit please take a deep look into this I filed a police report and sent to all bureau involve violates my rights cra and hippa
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed below. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, this notification should not be charged. 

Items in question XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX
Consumer complaint received 2023-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (VA)

On XX/XX/XXXX I tried to pay off my XXXX student loans with a lump sum of {$8000.00}. The transaction said the payment was confirmed but pending for several days. Finally, when I checked it again on the night of XX/XX/XXXX, it said that my payment was reversed on the day I submitted the payment. I couldnt reach anyone by phone or chat when I tried to contact them when business hours started.
Consumer complaint received 2016-12-13
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (FL)

For the second and third time this year, XXXX in XXXX reported attempted fraud by Synchrony Bank. See attachments. I already reported Synchrony to CFPB earlier this year, when it failed to remove the first fraudulent credit report inquiry after repeated contacts. I spoke with Synchrony twice in XXXX. Both times I was told they would mail me a form to sign to have these fraudulent hard pulls removed from my credit reports. Synchrony has again failed to do this.
Consumer complaint received 2017-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

Refinanced mortgage with XXXX. Closed on XX/XX/2017. Title company sent old loan company payoff amount on XX/XX/2017, that was several hundred dollars more than needed to payoff mortgage. It has been more than 30 days. Old loan company refuses to return my overpayment, has repeatedly lied about the amounts and details when speaking with me, and now has stopped giving me updates as promised. In short, they owe me several hundred dollars in over payment, now owe me interest from XX/XX/2017 on that amount, and are causing me pain and suffering. I have spent hours trying to get them to supply documentation and refund, to no avail. Bayview should not be allowed to stay in business and commit acts like this upon consumers. Old Loan Servicer : Bayview Loan Servicing , LLC ; XXXX XXXX ; XXXX Closing Company : XXXX XXXX XXXX ; XXXX XXXX ; XXXX Amount Paid : {$100000.00} Required Amount for payoff : {$100000.00} Date refund should have been received : Prior to XX/XX/2017
Consumer complaint received 2022-09-07
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2017-02-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (GA)

We have been attempting to modify our home for several years to no avail. I filed a complaint 6 month ago against my previous mortgage company ( XXXX ). After the complaint was filed they sold our mortgage to BSI Mortgage Company. BSI Financial Services offered us a modification that was 60K plus over the value of the property and wanted to attached a second mortgage also. If we were to undergo another hardship we would have to pay 60k plus out of pocket to sell the property. Reluctantly we could n't afford to be trapped in a mortgage that was up side down no knowing the future. After rejecting this proposal we were forced into a short sale option. We hired a agent and completed the process of submitting a contract to sell the property. BSI Financial services rejected the offer and now they are telling us that the property has a m sale date for XX/XX/2017. If we have a short sale option why is there a foreclosure date on property. We really want to keep the property but we are being forced out. Furthermore XXXX XXXX XXXX stated we would receive XXXX for relocation expenses which we would need to relocate. CFPB can you please assist us in the matter..Please & Thanks XXXX & XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX Loan # XXXX
Consumer complaint received 2023-08-20
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. (NV)

o/a XX/XX/ my XXXX XXXX  bankruptcy was discharged and in about 3 weeks all 3 credit bureaus ' had started reporting creditors that were discharged in my bankruptcy correctly ; 'closed account ' 'discharged in XXXX XXXX bankruptcy '. 

o/a mid XX/XX/ Equifax allowed XXXXXXXX XXXX XXXX XXXX XXXX to file erroneous information on one of the accounts that was discharged in the bankruptcy as 'charged off ' showing the amount. 

o/a XXXX XX/XX/ this agency has allowed XXXX XXXX XXXX XXXX to do the same thing, change the status from 'closed account ' ' included in discharge of XXXX XXXX  bankruptcy ' to 'charged off account '.
Consumer complaint received 2020-05-27
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. (TX)

Dear Transunion, I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

The following inquiries are unauthorized : Creditor : XXXX XXXX Inquiry Date : XX/XX/2019 Creditor : XXXX XXXX Inquiry Date : XX/XX/2019
Consumer complaint received 2017-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I am writing you to let you know how bad Chase handle customer issue and withholding customer fund ( probably illegally ) I have Chase credit card for more than two years. 
I recently go to their branch ( XX/XX/XXXX ) and open a new checking account successfully. However, a week later, I found that my online access has been locked completely. I spent half an hour on their toll free number with no result and was told to go down to their branch. After wasting so much unnecessary time, I was told that I need to provide my social security card and a letter from social security office before they can unlock my account. This is the most radiculous because I have had more than two years of banking relationship with Chase by holding one of their premium credit card. I told them that I am more than happy to produce my passport, my social security card, I really have no time to go down to Social Security office to ask for a letter. Furthermore, I have opened checking account with more than two other banks in the past 4 years and have never heard of such radiculous request. 
At the end, I told the branch that I rather just close down the account and have my money back. However, they hold my money hostage. I deposited $ XXXX on XX/XX/XXXX and they can not release my fund until at least after XX/XX/XXXX. Is this even legal?