davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-29
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. (IN)

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX  XXXX Balance : {$370.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-12-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (IL)

After graduating in XX/XX/XXXX, XXXX XXXX was my loan provider through XX/XX/XXXX. All payments were made on-time and applied towards the PSLF program. Upon transferring to XXXX XXXX, when I received my PSLF qualifying payment update on XX/XX/XXXX, I noticed that they only counted one payment for the entire year spanning XX/XX/XXXX to XX/XX/XXXX. I contacted them on four separate occasions over the past year to have this rectified. They reported that it was a mistake due to the transfer of the loan and they would provide me with an updated copy showing the appropriate payments that were made through AUTO-PAY, on-time each month. I have yet to receive this document, even after contacting them multiple times for it. They reported that they were " behind '' but a year later is unacceptable.
Consumer complaint received 2022-06-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, TX, XXXX Account - XXXX SPS Select Portfolio Servicing https : //www.spservicing.com/ To whom this may concern, I am writing this letter to support my loan modification plan for The property of XXXX XXXX XXXX, for loan I intend to retain and stay in my house ; my hope is that the loan modification will allow me to get my loan in order and back on the path of consistent payments. 

Due to my illness ( I have XXXXXXXX XXXX ) I had to stop working due to difficulty in both driving and going to and staying at work, this caused a total loss of my income and ability to support my house financially. My wife took over financial responsibility ; my wife alone is economically supporting the house. 

A loan modification would be of profound value to both my family and me. Our hardships will be dramatically reduced. I am deeply in the desire to retain this house both for myself and my family. 

I hope that we can work together, and quickly modify this so that I may begin to make the payments as soon as possible.

You may contact me at XXXX and/or XXXX Sincerely, XXXX XXXX
Consumer complaint received 2021-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (NY)

There were several charges on my JetBlue XXXX account, Totalling {$2200.00} on XX/XX/XXXX and XXXX. I contacted the credit card company alerting them I didn't activate my card and I just received an email saying my credit card was activated. The company told me that there were many changes on the card. They told me there would be an investigation. I just received the letter today which they denied the fraud claim.
Consumer complaint received 2019-11-17
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. (FL)

On XX/XX/XXXX I sent a registered letter to Equifax regarding incorrect information on my credit report still showing. I started this process 1 year ago with other complaints but still receive the standard cut and paste notes sent back to me. None of the information has been verified and I keep getting told to contact the creditor and court myself which I have done and it was cleared on my other 2 reports, XXXX and XXXX. The frustrating part is that this is the same company who leaked my information to the public causing me 4 years of credit watch and people applying for credit under my social security number. I have had to keep my credit file locked and monitored through two companies for over 5 years. I have also had my information access that my government job which I worked for at XXXX XXXX XXXX alerted me and they had to monitor my information so no one tried to access information from my access information with XXXX XXXX. This has been a part time job turned full time with Equifax playing with my life. I am also part of the class action law suit against XXXX, Equifax for leaking my information. I have even received calls from people applying for jobs under my social security information. Luckily these companies and SS did their job by locking my information from being accessed. It seems that Equifax uses a third party entity instead of verifying information themselves. I find that disturbing also letting a third party company have access to my information without my permission. I understand that Equifax works for its companies and not for the consumer but it is frustrating to be a private citizen held hostage by their poor reporting practices.
Consumer complaint received 2022-08-08
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. (NC)

These uncertain accounts listed below continued to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be verified ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly : XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX XXXXXXXX Balance XXXX {$450.00} ; XXXX XXXX XXXX Balance : {$2100.00}
Consumer complaint received 2021-04-12
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 (OR)

My paypal has been permanently limited one day without an explanation from paypal, but they told me that the funds on my paypal account can be transferred to my bank account fot withdraw after 180days. Even though Paypal can not do business with me anymore, but I wont have loss if I can get the money out from my account someday, however, I noticed a total amount of $ XXXXUSD was transferred to PAYPAL by paypal on XX/XX/2020 without my authorization and even didnt send me any notification, I wont know it if I dont check my account and the recent activity. I was trying to get help from them, I got nothing but disappointment. Thus, I prefer to I file a report to CFPB to get this issue resolved, the email for my paypal is XXXX XXXX
Consumer complaint received 2018-12-05
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: DISCOVER BANK (TX)

I applied for a private loan to cover tuition and educational expenses for the XX/XX/2019 spring semester. Discover denied me. I received a let ter stating I was denied because an item in collections appears on my report. After receiving the denial, I contacted Discover several times to review my denial. The item on my credit report is a medical bill. When I stated this, I was instructed to file an appeal. I completed the appeal and submitted a letter stating the item in collections is a medical bill and can not be included in the credit approval process. I have called several times to discuss this with the appropriate department but customer refuses to put me in contact with them. The department that oversees the credit decisions have pulled my credit report several times but has never spoken to me. The last phone call I made was yesterday, XX/XX/XXXX, and I spoke with a supervisor, XXXX. He also refused to have that department contact me and refused to do anything to investigate the situation. I told customer service and the supervisor that I feel discriminated against.
Consumer complaint received 2022-06-26
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. (TX)

In accordance with the Fair Credit Reporting act, these accounts listed below has violated my rights. 
XXXX account XXXX XXXXXXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX  account XXXX XXXX  XXXX  account XXXX XXXX  account XXXXXXXX XXXX XXXX XXXX account XXXXXXXX XXXX XXXX  account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX XXXX in account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX  account XXXX 15 U.S.C 1681 sections 602 A. States I have the right to privacy.

15 U.S.C 1981 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-06-26
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)

In accordance with the Fair Credit Reporting act, these accounts listed below has violated my rights. 
XXXX account # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX  account XXXXXXXX XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX XXXX in account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX  XXXX account XXXX 15 U.S.C 1681 sections 602 A. States I have the right to privacy.

15 U.S.C 1981 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-01-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/XXXX XXXX ( XXXX XXXX ) received a call from XXXX stating they were collections for XXXX XXXX XXXX ( XXXX ). The person identified himself as XXXX, stating that my account was delinquent and that XXXX turned it over to collections with 30 mins to resolve or my power would be shut off. { XXXX then gave me his direct number should be get disconnected as XXXX XXXX. } I said that my XXXX account was closed in XXXX and the address was under a new name ( my son, XXXX XXXX, who had purchased the house ). He said XXXX had a system change that I did not enroll in so they froze any funds that had been paid to the account and it would take 24 hours more to resolve with XXXX claims. They said the account still showed my name because due to COVID the cancellation was delayed. So to avoid a loss of power now ( which was critical to me due to the cold weather, having a child in the house and a person on oxygen ) I was to pay the amount that was frozen {$490.00} and then was given a Case # XXXX of which after review by XXXX I would be totally reimbursed. He said I could only pay by going down to XXXX office ( which I could never have reached within the 30 min timeframe and it was after XXXX ) or through XXXX XXXX 
He walked me through XXXX and said to create a recipient as XXXX with a phone number as XXXX. I did so and sent the money. He had me wait until it delivered and was accepted and send a screen shot of the transaction. Then he came back on and said I needed to send a security deposit of {$1000.00} and again it would be totally reimbursed. That is when I got suspicious, found my son and he told me to hang up immediately. 
I hung up and called Chase ( my bank ) customer service ( local bank was closed by now ) and the woman said it was too late for her to stop the transaction but to call Chase claims at XXXX opt XXXX. I did and flied a claim with them Claim # XXXX. They said it would most likely be handled just as an inquiry to report being a victim of a scam. It would be reviewed by an investigation team. I would hear back either by a phone call for more information or denial letter by XX/XX/XXXX. She said there didn't seem to be any failure by Chase or XXXX. I said I was scammed and not fully understanding that I should not have allowed a XXXX transaction was my responsibility but as a long time customer of Chase with no history of this type of issue do they not have some kind of Customer account to help out financially and further educate these new types of transactions for seniors.
Consumer complaint received 2022-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Recently XXXX XXXXXXXX XXXX Card services reported to Experian that I have a XXXX day late payment with them which is completely false. I paid my bill in full with a money order before the due date, I never received mail from them that my payment was late. This is fraud to report to Experian that my payment is XXXX days late, ask them to produce the money order payment, it never was returned to me.
Consumer complaint received 2018-04-17
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. (TX)

Dear Equifax, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an inquiry had been made on XX/XX/XXXX. I contacted XXXX XXXX XXXX and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX they could not verify that the information was being reported. I request that you initiate a XXXX into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was Not Permissable. If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your REINVESTIGATION for THIS SPECIFIC INQUIRY within 15 business days of the completion of the REINVESTIGATION. Thank you for your assistance in this matter. Very Respectfully, XXXX XXXX XXXX
Consumer complaint received 2022-08-14
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. (OR)

I received a letter from XXXX dated XXXX. It stated the following :. " if your loan was current at the time of going into forbearance, then each month you are in forbearance, we will report the status of the account to the credit reporting agencies as current. '' Additionally, the letter stated, " We are here to help. We understand late payments stem from a variety of reasons. We strive strive to make every effort to help ease the financial difficulty to help you stay on track with your mortgage payments ''. 
These are all kind, beautiful, supportive words, but they are completely untrue. I missed one payment by accident, and XXXX immediately reported me to the credit agencies. My score went from the XXXX 's to the XXXX 's. This making it impossible for me to buy a house, or a car, or even qualify for a credit card. 
This is what happened. In XXXX of XXXX, I signed up for automatic payment from my checking account to XXXX, so that I would never be late. What I did not realize that the process took 60 days to take effect. When I signed up in early XXXX, I thought the XX/XX/XXXX payment would be automatic. However it did not take effect until the XX/XX/XXXX payment. Thus, the XX/XX/XXXX payment was late. I paid it immediately upon realizing my mistake. XXXX did not care that I made an honest mistake. They reported me to the credit bureau. This happened during the peak of COVID. This seems like drastic and unfair punishment. I am requesting that XXXX does the honorable thing and restore my credit back to normal by removing the " 30 day late. ". Thank you in advance.
Consumer complaint received 2021-04-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (CO)

When applying for a mortgage in XXXX, I was informed a derogatory account was on my credit report from a company called Transworld. I've never heard of or done business with them. I tracked the company down and was told I owed a medical debt of {$120.00} to a lab in New York. I had moved more than a year earlier to Colorado. I explained I never received a notification of the bill. We had gotten new insurance, in a new state. I offered to pay the debt immediately. However, Transworld told me once paid, they would not remove the derogatory account from my credit report. I explained I had no notice of this bill or opportunity to dispute and would have paid had i known. They told me " we aren't here to help you. We work for the client, XXXX '' and hung up on me. So I called Ameripath/quest diagnostics and paid the bill directly to them onXX/XX/2021. However, they have still refused to remove the derogatory account, which is affecting my mortgage. It is the only blemish. It's unfair to have been given no notice. My phone number didn't change. They didn't call.
Consumer complaint received 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

I had a business called XXXX XXXX XXXX XXXX XXXXXXXX with a business partner. In XXXX of 2020, my business partner made a deal with the chase to pay a reduced amount for the credit card since we closed the shop due to COVID. 

They told him not to pay the monthly fee and then can negotiate. My business partner did that, and when Chase and our business made a deal and paid off the credit card, somehow they closed all of my personal credit cards as well. and my XXXX score went down over XXXX points in one day. When my business partner called, they said it wasn't supposed to happen and I wasn't supposed to affect like that but they didn't do anything to reverse/correct it. Now it still shows on my personal record that I had a late payment, and my credit score is still low. I am sure they will have a voice recording of our phone conversations. 

I didn't know the government had a service to try to fix it. So I am writing to you guys to see if I can get it corrected.
Consumer complaint received 2022-08-14
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. (AZ)

There is an account that is closed and reporting late on my credit report. I have never been late on this account and a closed account can't report a late payment. I have disputed this information and the bureaus refuse to remove it. 

XXXX XXXX reported a late payment for 60-89 days in XXXX but this account was paid off in XXXX and wasn't late in XXXX, XXXX, or XXXX.
Consumer complaint received 2022-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act displaying the address - 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 XXXXXXXX, has violated my rights. 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.