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: 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. (IL)

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX XXXX XXXX XXXX XXXX : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$310.00} XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXXXXXX Balance : {$380.00}
Consumer complaint received 2022-08-02
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. (IL)

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX XXXX XXXX XXXX XXXX : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$310.00} XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXXXXXX Balance : {$380.00}
Consumer complaint received 2022-07-24
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. (CA)

I have submitted dispute to you and I didnt get a response with in 30 days and youll are required by law to do so please investigate my dispute, please. Thank you
Consumer complaint received 2018-10-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

My wife and I had XXXX XXXX until we moved to a different house. Because of where we were moving to XXXX was not the best service for our new location so we canceled it. It took us a while to get settled into our new home and the equipment got put into a box that we didnt realize never got unpacked until quite a while later. When we came upon the equipment my wife called and spoke to someone and asked if we were being charged for it. They advised that an amount of {$770.00} was being charged for the 3 boxes that we had. She asked if we submitted them back if that amount would be taken off and we were assured that it would be. My wife got a XXXX XXXX XXXX XXXX XXXX return Reciept from the person she spoke with and went to the XXXX store the next day, which was XX/XX/17. The XXXX XXXX XXXX representative said to make sure that we kept the reciept and proof that it was sent back. Just recently I got a credit alert that there was a new debt in collections for {$770.00} through IC Systems on behalf of XXXX XXXX XXXX. I immmediately called XXXX XXXX XXXX and told them what happened provided them with the information from my reciept and the woman I spoke with said no problem she would submit a case and it would get taken care of. That was over two weeks ago and this collection is still on my account. I called back, spoke with a XXXX and she advised the case I had submitted was rejected because it was over the allowed timeline to submit the equipment and I would still be charged with it. I told her that no one had ever mentioned to us since the day we returned the equipment that we would be over a time limit to return it- and we were absolutely not informed that even if they received the equipment back we would still be charged. I explained all of this to XXXX, who basically said that I was told wrong information and there wasnt anything she could do. I find this very frustrating and ridiculous. As soon as we found our equipment we tried to make it right with XXXX XXXX XXXX and were told it would all be taken care of. Why go through the trouble of waiting in line at a XXXX store and hanging onto this paperwork for over a year if we werent going to have those charges removed? I would like XXXX XXXX XXXX to honor their word and remove the charges- since they can confirm they DO have the equipment we sent back to them and we were never told about this mysteries deadline until today when I was told my request was rejected.
Consumer complaint received 2022-07-24
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. (FL)

RE : DELETIONS TO CREDIT REPORT To Whom It May Concern : I received a copy of my credit report and am disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Item # XXXX. EquifaxXXXX XXXX XXXX Account XXXX XXXX Reason for Deletion : Omitting information, such as Original creditor, company sold, balance, monthly payment, past due amount, highest balance, terms, and your statement. Status should be Paid in Full and account deleted from credit profile.
Consumer complaint received 2022-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NY)

I submitted a CFPB complaint on XX/XX/XXXX, as FedLoan Servicing was not providing sufficient information about the status of my requested refund for payments made during the XXXX freeze. My original request to FedLoan Servicing accepted on XX/XX/XXXX was for my {$19000.00} in payments made between XX/XX/XXXX and XX/XX/XXXX to be refunded so that my loans would be reinstated and become eligible for {$10000.00} in debt relief/forgiveness under the Biden-XXXX Administration student debt relief plan. 

On XX/XX/XXXX, the XXXX XXXX XXXX XXXX ( " XXXX '' ) at the Pennsylvania Higher Education Assistance Agency ( " PHEAA '' ) responded to my CFPB complaint, saying : " XXXX performed a comprehensive review of your account. This investigation included the review of all relevant account history and documentation, including any information you provided to us. As you may know, PHEAA/FedLoan Servicing did not renew its federal loan servicing contract with the United States Department of Education XXXX XXXX of XXXX XXXX XXXX XXXX XXXX ), which means PHEAA is unable to process your refund request. Although your account is not active at this time, it will be transferred to another XXXX servicer. You will receive ( or should have received ) communications regarding this transfer. Your outstanding refund request will be sent to the new servicer, who will be able to assist you with your refund request, and if approved, will result in a reinstatement of your loan balance. '' On XX/XX/XXXX, following PHEAA 's CFPB response, I re-contacted FedLoan Servicing by phone as I had not received any communications regarding the transfer of my account to a new servicer ( as indicated by PHEAA in their CFPB response ). A supervisor at FedLoan Servicing confirmed that my account had not been closed/transferred and reassured me that FedLoan Servicing would be responsible for issuing the refund to me and reinstating the loans and that my account nor this process would be transferred to a new XXXX servicer. The supervisor told me this would occur in a minimum of 90 days but could not provide further guidance or timelines. 

Now I am in a position where PHEAA is providing conflicting information on the status of my account. I am left unsure if/when I will receive a refund and be able to proceed with the subsequent steps to apply for loan forgiveness from the Department of Education by the application deadline.
Consumer complaint received 2022-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CA)

This card belongs to XXXX XXXX, before it was from XXXX Bank now it belongs to Barklay 's credit cards, my card was XXXX when it belonged to XXXX bank, they even charged me three months more and they returned that money which was {$50.00} the minimum payment and they returned {$50.00} on XX/XX/2022 and {$100.00} on XX/XX/2022, after I went to Barklay 's I have a balance of {$130.00}, and I called them 6 times and they don't know why that amount is affecting my credit history for something that I shouldn't.-
Consumer complaint received 2022-07-24
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. (NY)

I sent letters off on XX/XX/2022. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681, I have the right to privacy. Also according to 15 USC 6802, no financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-08-01
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)

I am a victim of Identity theft. This is my official statement about the crime. Contact Information FTC Report Number : XXXX Name : XXXX XXXX XXXX : XXXX Last Name : XXXX XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX USA Personal Statement Phone : XXXX I went over my credit car bureaus info and I fond that someone had used my personal information to get credit cards and to lease car as well. My personal information was use to open this accounts. 

XXXXXXXX XXXX XXXX XXXXXXXX # XXXX amount : {$600.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX # XXXX amount : {$2400.00} Accounts Affected by the Crime Fraudulent Auto Loan or Lease Company or Organization : Account Number : Date fraud began : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$10000.00} Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
Date XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (PA)

I previously held loans that were serviced by XXXX and then transferred to Aidvantage. When I try to set up an account with Aidvantage, they are unable to locate my information or my loans. I tried to call and speak to a representative but was left on hold for over an hour.
Consumer complaint received 2022-07-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX. 

XXXX Bank XXXX Mortgage XXXX XXXX XXXX XXXX, MN XXXX Re : Request to Review Basis for Denial of Loan Modification Account Number : XXXX Subject Property : XXXX XXXX XXXX XXXX XXXX, OR XXXX. 
Owner : XXXX XXXX XXXX Dear CFPB : I am writing to you because I am trying to seek a loan modification, and I believe that the loan servicer ( US Bank Home Mortgage ), is refusing to follow the guidelines pursuant to XXXX. I am asking the CFPB to please conduct a review of my account to determine if my suspicions are correct. 
I have owned the subject property since XXXX. 

Although US Bank Home Mortgage is my loan servicer, I am unaware of the present lender, which is allegedly a governmental organization. I have tried to obtain a loan modification through their loss mitigation program. I have not been advised of the status of my loan modification/RMA packet aside from a denial based on ( 1 ) lack of documents ; BUT ; ( 2 ) I was informed in writing and telephonically that my application was complete. ) This can not be reconciled. 

Therefore, because US Bank Home Mortgage has been the designated loan servicer, I am asking that you look into the following issues : Did the servicer give me a fair opportunity to be evaluated under XXXX ( and all relevant laws ), because my application was denied for lack of documents despite US Bank Home Mortgage previously acknowledging that my loan modification/RMA packet XXXX packet ) was complete? 

Although there is no pending sale date, is US Bank Home Mortgage intentionally declining to review my subsequent packet? 

For what reason ( s ) am I ineligible for co-signer release? And, if I am not truly eligible, can you help me understand the reasons why I would be deemed ineligible? 

In order to determine if I am eligibleand because I would like to receive the documents requested per a qualified written request ( QWR ) I had sent to US Bank Home Mortgage. The timeline to provide me documentation per the QWR has passed. Can you assist me in requesting the loan servicer to provide me ALL of the requested documents I am legally entitle to? 

At present, there is no sale date on my subject property. From my review of the laws under XXXX, I understand that your office has the authority to investigate these types of matters and I am requesting the CFPB to assist me. 

Thank you, and if you have any questions other concerns, please do not hesitate to contact me at the address set forth above. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-10-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (NY)

In XXXX my husband and i separated, i left the home at that time ... it took 7 years to come to a conclusion and a divorce with my husband retaining ownership of the home and property. We were divorced XX/XX/XXXX. At that time the mortgage was in good standing and up to date. The divorce agreement stated that my ex husband had to put the home in his name ( refinance ). He never did. And his last payment to the mortgage company was XX/XX/XXXX. He apparently didn't want the house but didn't want me to have it either. so fast forward to XXXX, i have very little power in this process due to the divorce agreement itself, i gave up my rights to the home with the understanding he would refinance, the house sits empty, i have worked hand in hand to the fullest extent i am allowed to, and finally signed a quit claim deed in XXXX. 6 mos later i am called by selene finance who states that the quit claim deed failed. I go thru the process with them all over again and it ended with this email From : XXXX XXXX [ mailto : XXXX ] Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : RE : 2nd part of email Correct. You are no longer the owner. You deeded the property back to XXXX XXXX who is the investor/noteholder. Every noteholder is required to have a servicer. XXXX and Selene are servicers. Hope that helps! You should be receiving your check sometime next week! 

it is now XX/XX/XXXX and i am still receiving statements from selene finance stating that i owe them money for the above named property, it still sits as an unpaid account on MY credit.. I have called, i have emailed, never any response, no help, answers or a game plan. this has destroyed my life ... i have no idea what do to next. i am now XXXX years old, i left at the age of XXXX i would like to have my own home again. NEVER NEVER would i ever do business with these people again, to say that they couldn't care less is an absolute understatement.
Consumer complaint received 2022-07-26
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. (MO)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX 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 a account without my written instructions.
Consumer complaint received 2021-06-25
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: BARCLAYS BANK DELAWARE (NY)

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2018-10-30
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. (MS)

I have disputed the collection accounts with Equifax for several attempts, to no avail XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX They did not give me evidence or verification as to why they will not remove the accounts. The error has affected my credit score tremendously.
Consumer complaint received 2022-10-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Ragan & Ragan, PC (NJ)

XX/XX/22 I submitted a cease and desist to RAGAN & RAGAN and they are not complying with the FDCPA by still communicating with me and without my prior consent to do so pursuant to 15 USC 1692c. RAGAN & RAGAN have claimed to have sent verification for the validation of this alleged debt. Courts found in XXXX XXXX  XXXX XXXX the documentary evidence sent are not sufficient to validate a debt. Validation requires presentment of the account and general ledger statement signed and dated under penalty and perjury by the original party responsible for maintaining the account. There should be no communication or attempt to collect this debt going further.
Consumer complaint received 2022-08-01
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: Experian Information Solutions Inc. (CA)

On XX/XX/2022 I sent a certified letter to Experian to dispute incorrect information on my credit report. I received a response dated XX/XX/2022 claiming that an investigation had been done and the information had been verified. On XX/XX/2022 I sent another certified letter to Experian because they did not actually prove that the debt in question was mine. I did not receive a response within 30 days. On XX/XX/2022 I sent a certified letter explaining that they did not respond in 30 days and they should re-investigate the incorrect items and remove them immediately. In XXXX, I received the green proof of signature card from Experian but it was not stamped or dated, which allows me to track how many days it takes for them to respond. Experian Credit Bureau has not responded in the time frame required by law and they have not removed the incorrect information from my credit report. I believe this is a stall tactic used by Experian to keep from doing the work of investigating and removing incorrect information from my credit report.
Consumer complaint received 2022-10-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (PA)

Credit Collection Services has been reporting with XXXX negative unverifiable collection account information # XXXX belonging to XXXX, this debt was already paid to original creditor {$210.00} known as XXXX XXXX XXXX. They report as Paid in settlement when in fact they should not report this erroneous information with XXXX at all. I have no contractual business relationship whatsoever with Credit Collection Services. 

Credit Collection Services repeatedly refuse to delete or validate account.
Consumer complaint received 2022-07-26
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. (CA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-01
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (TX)

Target Credit Card defaulted during my administrative process. A cease and desist was sent to them on XX/XX/2022 demanding they send an audit trail including the ledger, all accounting documents, transaction history, and account file. I also demand they remove the account they furnished on my consumer report I never gave written instructions to furnish Pursuant to 15 USC 1681b ( 2 ). Keep in mind non-compliance with my XXXX XXXX XXXX  will be documented and used as exhibits for knowingly and willfully violating federal law.