davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$630.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$680.00} XXXX XXXX XXXX  XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$1000.00}
Consumer complaint received 2021-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

This is in reference to chase claim number XXXX Fraudulent account with joint tenancy was opened sometimes in XX/XX/2021. Unauthorized transfers from Chase checking account, ending in XXXX were made between XX/XX/2021 to XX/XX/2021, in the total amount of {$140000.00}, to an account opened by fraudsters. 

Chase bank refused to assist in recover the stolen funds, after police report/identity theft complaints are received, along with the written documents of unauthorized ACH debits are received. 

Furthermore, Chase bank citing the claim was filed late, even though it's filed on XX/XX/2021, within 60 days from the fraudulent transfers, with the most recent transactions in XXXX and XXXX of 2021. 
As I have no way of accessing the account with the originator, since I'm not listed as account owner or signer, I was advice I have to contact the merchant directly.
Consumer complaint received 2019-04-15
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (IL)

In Mid-XX/XX/2019, I received a letter from Transworld system Inc, indicating that as a result the settlement of a lawsuit between XXXX XXXX XXXX XXXX XXXX and CFPB, my loan payment has been reduced, and that Transworld was now collecting payments for my private student loan through XXXX XXXX XXXX XXXX XXXX. The letter, however, did not indicate how my private loan through XXXX XXXX XXXX XXXX that was being serviced through XXXX XXXX was going to be terminated or how XXXX XXXX was going to be notified of this settlement result. 
When I called Transworld Systems Inc for clarification, I was told any of my private student loan through XXXX XXXX XXXX XXXX now needs to be paid through Transworld Systems Inc, and no one else. When I called XXXX XXXX, they insisted I needed to pay XXXX XXXX. 
I called both XXXX XXXX and Transworld Systems Inc multiple times, and verified that that all of my private loan that was being serviced through XXXX XXXX wasfrom XXXX XXXX XXXX XXXX XXXX, and I have learned that both XXXX XXXX and Transworld Systems Inc are sending me bills for payments for my private student loan through XXXX XXXX XXXX XXXX. I have asked to speak with the managers multiple times at both agencies, and I was never able to get through to any managers, and the representatives I spoke at both agencies could only repeat that I owe each of the agencies payments for my private student loans through XXXX XXXXXXXX XXXX XXXX without any explanation. I looked for ways to contact XXXX XXXX XXXX XXXX XXXX, but every time I called, I was only given the number for Transworld Systems after multiple transfer of calls. Neither XXXX XXXX nor Transworld Systems is willing to look into my situation. Both XXXX XXXX and Transworld Systems are refusing to communicate with each other regarding the settlement result of the private loan through XXXX XXXX XXXX XXXX XXXX. Instead, they are both insisting payments. 
I have since learned that neither XXXX XXXX nor Transworld Systems Inc has proved to me with any documents that my payments, indeed, need to be paid through either one of the agencies. In the mean time, I am getting bills from two different agencies for payments for the same private student loan, which I am not even sure what education the loans were for. 
XXXX XXXX XXXX XXXX seems to be acting very irresponsible and unfair, charging individuals through multiple agencies what they do not owe. I ask CFPB to look into this matter for me. Thank you so much! 
- XXXX XXXX
Consumer complaint received 2021-09-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (IN)

My wife and I share an account on Paypal linked to our checking account and credit card. We have used the account without any incidents for over 20 years. With no warning or details, our account was disabled by Paypal on XXXX. Phone conversations with customer service reps ( and supervisor ) indicated that they could not tell us why our account was flagged and disabled but that " Paypal no longer wants you as a customer. '' We are a well-off family financially, do not use Paypal to sell goods or services, and 99 % of our transactions are XXXX  or other online retailer purchases. We find it to be very disconcerting that a company that is essential to online purchasing can rudely ban a consumer without any reason or cause provided, no warning initiated, and no appeals process to have a human look over the case. This could be discriminatory based on purchase history or our demographics. We simply don't know and they absolutely won't give any details. Note that we have never had a limitation or case opened either by us or against us on the Paypal platform. This was 100 % a surprise and unwarranted based on the terms of service agreement. This is also apparently something that is commonly happening to consumers with this company.
Consumer complaint received 2021-03-22
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. (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 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. I demand the following accounts be verified or removed immediately.

Name of Account /Physical Verification Creditor 1 -XXXX XXXX XXXXXXXX XXXX XXXX THIS IS AN FRADULENT ACCOUNT. Remove immediately. 
Please remove all non-account holding inquiries over 30 days old. 
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 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act Thank You, XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Cc : Consumer Financial Protection Bureau Cc : Attorney Generals
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Remex, Inc. (NJ)

Last year I received notification about a {$52.00} bill in collections that I never received in the mail stating the date of service was in XXXX. I had never heard of the original company listed so I disputed it on my XXXX  XXXX  account where it was removed from both listed bureaus. In XXXX of XXXX, I received another notification where the same bill was listed and added to my credit report again, once more without any bills in the mail or anything stating what the bill was for. I disputed it again where it was removed from my XXXX account but is not being removed from my XXXX. I attempted to call the collections company to see if I could get a breakdown of the charges to understand where it was coming from and either the numbers I tried would not go through or I would be hung up on before getting to speak to a live person. This is becoming extremely frustrating and I would like this mystery bill to be removed.
Consumer complaint received 2022-04-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Spring Equity LLC (VA)

The company issued a check to pay back taxes in the amount of {$11000.00} however I only owed {$3600.00}. Transcripts from the IRS as well as copies of tax returns were provided SEVERAL times however they refused to correct the error. I was left with having to send the entire amount to the IRS and then wait for a refund which will tax months to receive. The person handling the issue, XXXX XXXX was totally unhelpful and unreasonable.
Consumer complaint received 2020-04-17
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: KEYCORP (FL)

An assignment of mortgage was recorded in the land records regarding my property on XX/XX/XXXX by an unknown party to the assignment. The assignment was allegedly executed on XX/XX/XXXX by parties not affiliated with the party who requested the assignment to be recorded. I want to know how XXXX XXXX XXXX XXXX XXXX had the authority to record an assignment of the to which they were not a party. I would also like to know who the owner of the mortgage and note was at the time the assignment was executed and also at the time it was recorded. An employee of XXXX XXXX XXXX has stated to me that my loan was purchased and then placed in a XXXX trust with XXXX XXXX. Who did XXXX XXXX. Purchase the loan from? I also see that XXXX XXXX XXXX, as well as XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX have filed for bankruptcy. Therefore, the records should be available for the question to be answered.
Consumer complaint received 2022-08-24
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. (IL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 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 XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-10-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (WI)

Hello, I received two letters from your company trying to collect a debt for XXXX XXXX XXXX. 
One letter for myself and my daughter. 

XXXX XXXX XXXX I do not owe this debt. Legal counsel from XXXX XXXX XXXX stated that I did not get charged an early termination fee or collected attached is the letter. 

I never received an intent to collect a letter from them. Your collection letter was the first I ever heard of this allegation. 

XXXX XXXX : my daughter was never on the lease. 

I spoke to XXXX XXXX XXXX XXXX and XXXX ( her superior ) and they are claiming that they never sent this amount for my daughter as she was never on the lease. I spoke to them on XX/XX/22 and XX/XX/22. XXXX and XXXX are both stating that Rent Recovery Solutions is responsible for collecting debt - I told them that the letter states " Rent Recovery Solutions is trying to collect a debt for XXXX XXXX XXXX XXXX 

XXXX ( property XXXX also said that she did not know the legal counsel from XXXX XXXX XXXX had decided not to charge an early termination fee. 

I forwarded the document shared with you.
Consumer complaint received 2021-11-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (FL)

CMRE FINANCIAL SERVICES at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX has been sending me collection notices in the amount of {$550.00}. This collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2021-03-22
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 — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (NV)

To whom it may concern, On XX/XX/XXXX I logged into my XXXX XXXX account when I realized that my credit score significantly decreasing by 11-12 points from Ally Financial where they stated my balance increased. ( See attached screenshots : XXXX Data XX/XX/XXXX XXXX Transunion XXXX XX/XX/XXXX ) At this point I then reached out to Ally Financial at XXXX and spoke to a representative named XXXX XXXX I informed her what was occurring and that I in fact was never late on a payment and there was no cause for them to place this claim with creditors and that this issue needs to be resolved immediately. At which point she responded with dont worry I have forwarded this to the appropriate department and this issue should be resolved by next month ( XX/XX/XXXX ). On XX/XX/XXXX Ally Financial created a letter and direct message on my mobile application ( see attached Ally XX/XX/XXXX XXXX & XX/XX/XXXX Ally Correspondence ). 

I then contacted Ally Financial once again on XX/XX/XXXX at XXXX and spoke to a representative named XXXX XXXX XXXX looked into my account and state I apologize XXXX provided you the incorrect information it actually takes about 45 business days which is about 2.5 months for everything to be resolved. To please reach back to us in the middle of XXXX and this issue will be resolved. On XX/XX/XXXX I spoke to representative XXXX who then disputed the request be removed and informed me to contact them back in a month and she assured me the credit dispute will be resolved. 

On XX/XX/XXXX, I spoke to a representative named XXXX at Ally Financial and she informed me that she sent another notice ( Case # XXXX ) and she apologized that this has taken 4 months to resolve, but not to worry this should straighten everything out and by the beginning of XXXX I should see this dispute resolved. She also informed me that in XXXX this credit score drop occurred to multiple peoples accounts and that this is the reason why its taking so long. XXXX See attached documents Ally XX/XX/XXXX Letter, XX/XX/XXXX Ally Correspondence, XX/XX/XXXX Ally Correspondence Part 2 ) I also attached a XX/XX/XXXX Ally credit report, showing that my account is in good standings and that this credit dispute should have never occurred. I has now been over six months and this credit dispute issue has not been resolved. I have tried multiple time to reach out to the company Ally Financial to resolve this issue and nothing is being done. This is absolutely absurd and needs to be resolved immediately! If you all can not help me to resolve this issue, please send me some information to who I need to reach out to in order resolve this credit dispute. 

Thank you, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

XXXX is falsifying information to still report on my account. The first delinquency from XXXX was in XX/XX/XXXX. I have credit reports from XXXX supporting my claim. I was unemployed all of XXXX and returned to work in the summer of XXXX at a job paying half of what I made in XXXX. As a result, XXXX 's claim that I caught up in XXXX is FALSE. Therefore, they should be made to prove that I caught up with my past due balance in XXXX by submitting other evidence payments. 

To further illustrate their deception, I spoke with a XXXX executive who refused to review the evidence I provided, only to reply with, " our records are correct. '' It is unjust that XXXX is allowed to report misinformation for their own benefit without providing substantial proof that their financial records are true.
Consumer complaint received 2021-11-25
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: LEXISNEXIS (GA)

I was a victim of Identity theft. I submitted documents here and to the credit bureau. I just had to obtain a new driver license number because someone is using my name everywhere. I was just informed that XXXX XXXX had a data breach and my information was stolen as well on XXXX XXXX 2021. In XXXX someone surrendered my XXXX  license for a XXXX ID. I have been forced to live like this I would like for the credit bureaus to remove my disputes. I have sent in all my personal information correct name and address and XXXX and XXXX will not update my information. Even according to XXXX my information is everywhere. My name should read as follows XXXX XXXX XXXX my name is not XXXX XXXX.
Consumer complaint received 2021-03-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (VA)

The problem is the quick security text feature that PayPal has adopted. This small little Road blocked looks small and not very intimidating. But once you encounter it and it's like a virus that goes through your dang account it is infuriating cuz it helps you at every attempt to use your own money in any way shape or form on your account it stops you it's XXXX it is a system tied to your phone number which is used for verification of Who You Are but the glitch in the system is most everybody these days if using a family plan and when you have a family plan there's only one name tied to the account. Leaving it impossible to do an adequate or even a mediocre Security check or identification this system is flawed and needs to be replaced and my account needs to be restored to full capacity
Consumer complaint received 2020-10-05
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: Experian Information Solutions Inc. (TX)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX  XXXX Account Number XXXX XXXX XXXX XXXX   Account Number XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX
Consumer complaint received 2021-11-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CA)

On XXXX/XXXX/21, I submitted a complete application for the limited waiver Public Service Loan Forgiveness program. By my count, I have 120 qualifying payments under the limited waiver program. On XX/XX/21, I received a letter stating that my loans will be transferred to a different servicer on XX/XX/21. My employment has not been certified. The letter made no assurance that my application for PSLF would be unaffected by this transfer, or that the application would be communicated to the new servicer. 

Given that Fedloan servicing is the SOLE servicer of the PSLF program, this transfer is gravely concerning. It appears likely to either re-set the processing of my application with a servicer ill-prepared to certify my employment or process it, or to significantly delay the timely processing of my PSLF application. The letter made no assurance that the new servicer would even be capable of processing my PSLF application. 

Given that Fedloan servicing has extended its contract to XXXX XXXX, there is no longer a pressing need to transfer my loan and doing so would harm the forgiveness I am entitled to under the program. I have contacted the Department of Education with a complaint to this effect and will continue to follow up with them also. I have emailed Fedloan Services customer service, but am unlikely to get a timely response due to the Holiday. I had to retype the letter several times, as I was logged out of their system without notice, only to find my draft deleted when I logged back in. There were no service representatives available due to the Holiday, so email was the only option. It seems these notices were timed just as XXXX started, so that customers would not notice the transfer letter, and have only limited time to complain before the transfers.