davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Google Compare Credit Cards Inc. (NV)

This matter involves my Google.com Play Card Account. They refuse to allow me to redeem the funds I have paid into the account. I have made numerous attempts with Google Support Team to resolve this matter to no avail. This Google Play Vard was purchased at XXXX XXXX  here in XXXX, Nevada. When I went to redeem the message will come back stating we need more information to process. They ask me to submit a copy of both sides of the card itself including the lengthy code, copy of the receipt, and the location such as the town and state it was purchased, my email address and telephone number. I submitted this several times and the message returned states that " This is not eligible for appeal. I told them I wasn't appealing but trying to redeem my money so I can get it back into my bank account. I bought this for a friend, but she changed her mind and didn't want it, that's the main reason why I need to redeem it so I can put it back in my checking account. Thus far they have made this process so difficult to get my funds back. This transaction was made at XXXX XXXX on XXXX XXXX and have reached out to Google.com Support Team ever since with no resolution. Obviously, they are stealing my money. Why does a company this size worth billions need to take my money? I'm hoping for a resolution to this matter.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX Attn : Fraud/Dispute Department XXXX 

XX/XX/2022 Re : Inaccurate Addresses being reported To Whom it may concern : Per most recent credit report dated XXXX XXXX XXXX ; Experian is still willfully reporting inaccurate address ( s ) and Im requesting that you remove any information that is not completely accurate. I am seriously concerned that the information that you are incorrectly reporting may send personal mail to the wrong address and jeopardize my identify or lead to fraud. 

My current and only correct address is XXXX XXXX XXXX, XXXX XXXX, Virginia XXXX. Please update the information in my report to reflect, ONLY my above mentioned, true accurate undeniably valid current address and remove all other reporting addresses that are not like the one I have submitted and proven. These other addresses are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per FCRA, Section 623 since they are not accurate I do not AUTHORIZE Experian to retain or report any addresses that is not accurate or certified. 

In accordance with Consumer Protection laws, I request that these NOTED addresses be removed from my credit report. I know Experian is only legally permitted to distribute reported certified complaint and verified valid claims that are true and as reported. I didnt not give Experian permission to publish outdated or incorrect information about me. I understand that you must complete this update with 30 days of receipt of this letter. 

Please send a letter verifying your absolute and total compliance to the above address along with my updated credit report. 

Thank you for your prompt and timely help in this manner. 



Sincerely,
Consumer complaint received 2022-07-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (PA)

I've continually had issues with American Education Services who services my private student loan through XXXX Bank. The interest rates are criminal, I've already paid most of the loan back but still owe the entire principal amount. I've been making more than 7 years of payments with little to no progress. I've attempted to get my payment reduced, but because my grandmother cosigned on my loans almost 15 years ago, I can not do anything without my grandmother 's signature. My grandmother is now XXXX, with XXXX, living as a XXXX of the XXXX with no income other than XXXX XXXX and due to my poor credit score, which is likely because of my student loans/debt-to-income ratio, I am not able to apply to have her removed. More recently, I've been a victim of identity theft and had to have my bank account shut down to get new accounts, cards, etc. Because of this, my bank issued a stop payment for my student loan payment with AES. Once I found out, I immediately reapplied the payment, but they charged me a late fee. I petitioned to get the late fee removed, as I have an amazing payment history with them, and explained to them why it was late. I was notified yesterday they denied the request to waive my late fee. To say Im disappointed would be an enormous understatement. The interest on these private loans are astronomical and theyve decided that due to a stop payment issued by my bank due to identity fraud, they need an extra couple bucks. A huge corporation, in addition to my fees and interest, needs to make a continual profit off of a new mom, working hard just to pay back the education I do not use with insanely predatory interest rates. This is criminal.
Consumer complaint received 2021-04-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

On Friday XX/XX/XXXX we noticed multiple payments were processed through Mr Cooper mortgage company resulting in our bank account being over drawn {$11000.00}. All day Saturday XX/XX/XXXX we attempted to reach our mortgage company and would get the message due to high call volumes they were unable to take calls, goodbye. I went into our mortgage account and submitted a ticket- no response. I XXXX  their reviews and see everyone is having the same issue and again nobody can contact them. Around XXXX on the XXXX our money was placed back in, but the lack of communication, the fact that this isnt the first time this has happened with this company and how they handled it was completely wrong.
Consumer complaint received 2023-01-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

On XX/XX/27 I noticed two charges on my cash app, one for {$92.00} and one for {$8.00}, both going to a vendor named " Photography. '' ( from XXXX XXXX, CA - a place I've never been ) That was literally the name of the vendor. Obviously these charges are fraudulent. I did not authorize them. Cash app refuses to issue me a chargeback. I've contacted support and attempted escalation and still have not recovered my money.
Consumer complaint received 2022-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I looked for my name on the Internet, I discovered that some of my personal information was being utilized without my permission. My information was gathered by an aggregation website, which encouraged me to examine the website 's FAQ section before contacting around nine separate websites. I was ashamed by the fact that I had to request that my items be taken, as I respect my privacy. I discovered unauthorized fraudulent accounts on my credit record ; I would like these accounts to be erased and rectified. Remove any fraudulent and bad accounts from my credit report. This has impeded my capacity to obtain financing. I am making every effort to regain control of my life. Please help me eliminate any bogus accounts. Please inform me of any other steps that can be taken to remove these accounts from my report.
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting Act ( FCRA ) -- XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX, XXXX XXXX have violated my consumer rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-01-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (NY)

Ive requested documents from NCB Management Service Inc three times and havent got a responce from them. I dont know what i have to do to have them tell me why i owe them money when i dont even know who they are and have never did business with them.
Consumer complaint received 2022-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX Bank XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX, XXXX XXXX Balance {$1600.00} XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXXXXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX  Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Date of Inquiry : XXXX XXXX Date of Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX XXXXXXXX of Inquiry : XXXX XXXX Date of Inquiry : XXXXXXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX of Inquiry : XXXX XXXX Inquiry Date XXXX
Consumer complaint received 2023-01-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Home Loan Center, Inc. (NC)

Hello, I am in the market to find a loan for a new car. I found the site Lending Tree where I read that I could get the rates from several companies. I filled out the form and at no time was told I would be getting a hard inquiry from any companies. The form led me to believe I was only going to get general rates ( which of course they hide behind these forms ). After filling it out, I was told the companies would contact me. What I am now receiving is full on loan application responses with hard inquires done. Some of these are coming from companies that were not even mentioned on the application. 
I called the company and was told the possibility of a hard pull on my credit was noted in their disclosure forms. These forms were not presented nor mentioned during the process noted above. I would have never agreed to have hard inquires as I already have 6 on my account and have waited over a year to bring that down from 12. Now I expect to have many more that were never wanted or asked for.

Needless to say I feel very misled and lied to. My family depends on my credit score and they have done significant damage to it.
Consumer complaint received 2023-01-14
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: Experian Information Solutions Inc. (MI)

I have a XXXX XXXX XXXX  that is listed on my credit report and the account is not mine as it is fraudulent. The account says XXXX XXXX and Ive had version phone service since XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Motolease, LLC (FL)

I was approved for a loan to purchase a XXXX XXXX XXXX XXXX XX/XX/XXXX. I paid off this loan in XXXX of XXXX. I did not realize I needed to transfer the title after doing so. I was under the assumption that the title would be released by the MotoLease , LLC, the finance company. Fast forward to modern day, I am attempting to trade in that vehicle and I have lost the title. I have been trying to contact XXXX, since XX/XX/XXXX, attempting to resolve this matter. Over the ensuing 6 days, I have been transferred to different departments, been hung up on, not had calls go through, but overall have been given no resolution, timeline or even spoken to the right people to get that resolution. I have exhausted every possible effort with this company and will soon seek counsel. This is negligence on their part in the least. I just want my title released so I can get this taken care of. This should be a simple clerical effort on their part, but they won't even get me to the right person to help.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for ( XX/XX/2022 & XX/XX/2022 ). Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2021-10-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION (SD)

I sold my XXXX XXXX XXXX and the loan was subsequently paid off. In the process, it took time for me to cancel my automatic payment form my credit union, and another payment of {$1200.00} was made to my now closed loan with Suntrust. I immediately called and advised XXXX that that payment was made incorrectly, and that i needed that money back. They said wait a day or two, and the payment would likely be returned since the account was closed paid off. I checked multiple times over the next few days to no avail. I called back in, XXXX then said it had been accepted, even though I had called earlier about it and it would now take 10 days before they would I initiate a return ACH. I was not happy that it would take that long. I called them back on XX/XX/XXXX to find out that it would take another 10 business days for the ach to take place. I have asked for a supervisor multiple times, which resulted in hold times of 10-20 minutes and then turning into a callback request. I was never called back on any of those occasions. I have asked for details on where my money is being returned, to no avail, so I can give that to my credit union for research. Still no info has been given to me, and their supervisor ( s ) have not called me back. They have had my {$1200.00} now for 29 days and cant tell me where it has gone.
Consumer complaint received 2023-06-01
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: Experian Information Solutions Inc. (IL)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX  XXXX XXXX, WI XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

I am writing to file a complaint against BB & T ( Truist ) This is not the first time I have had trouble with this bank. The first time I tried to pay a credit card account XXXX XXXX XXXXXXXX ) via electronic transfer and was give payment con- formation and assumed all was well ; so I was surprised when I saw a late charge on my statement and that was when I learned BB & T had cancelled payment saying it was a fraudulent transaction costing me an extra {$27.00} and a ding on my credit bureau, I have yet to receive a refund from the bank. 

Then in XXXX. I received funds from what I thought from a company I had been hired by in late XXXX a branch of XXXX XXXX XXXX, XXXX a XXXX plus year old engineering company. I had no reason to suspect from this firm, and I have every conversation recorded on Telegram with their XXXX manger XXXX XXXX as well as my employment contract. 

So once again, I was blindsided by the bank when in XXXX they abruptly froze my account saying I was accepting fraudulent funds. I had done business with this bank for 10 years with no problems, and because I was under the impression I hired by XXXX  and I was receiving funds for items I needed for work so I did not question where the funds came from. 

As a result, I have racked up late charges With XXXX XXXX and reports of late payments on my credit bureau, and as result of this XXXXXXXX XXXX has lowered my credit limit twice and reported such to credit bureau further destroying my credit rating. I had no other source of funds to pay my creditors. 

As I told customer service and the branch manager, a simple phone call to me ( which I feel I was due as a simple courtesy after 10 years ) and I would have nipped in the bud, and even after I contacted the bank customer service they refused to reverse their decision saying the manger of this department does not like to be overruled ; well as a customer I don't like being treated the way I have been and watch my credit being destroyed through no-fault of my own. 

I am requesting this bank be heavily fined, me be reimbursed for lost funds and destroyed credit, and the bank be made to help repair my credit bureau, my XXXX XXXX account and my XXXXXXXX XXXX account. The manager of XXXX operations for XXXX has stayed XXXXnTouch still saying their account was hacked. 

I will be glad to provide you any of the Telegram conversations and a copy of my employment contract. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX, XXXX
Consumer complaint received 2022-07-18
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. (MT)

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX and XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$590.00}, XXXX XXXX, XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$0.00}, XXXX XXXX, XXXX ( Original creditor : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX, XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX, XXXX ( Original creditor : XXXX XXXX XXXX XXXXXXXX Date opened XXXX XXXX, XXXX Balance {$0.00}.
Consumer complaint received 2021-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (NC)

United Wholesale Mortgage is still over charging me {$500.00} on my monthly mortgage payment, after I satisfied the escrow as a result on increased property taxes and insurance. Since XX/XX/2021 I have called UWM over XXXX times accumulating XXXX plus hours of my time and requested to speak to a XXXX on multiple occasions. Every time I end a call I make sure the the representative has notes detailing our conversation along with the necessary resolutions steps that need to be taken. The representative then says they have opened a ticket and my payments will be corrected in XXXX business days. I then log into my account on the XXXX business day to see that the payments have not been corrected. There is now {$10000.00} worth of reversal transactions and I don't know where the money went. The over payments are causing my checking account to go into the negative. UWM clearly does not have the proper controls and monitoring in place to resolve customer concerns and the Government needs to audit them. I work in risk and none of this is acceptable. I still have not talked to a XXXX at XXXX yet.
Consumer complaint received 2022-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On or about XX/XX/2017 Court : US Bankruptcy Court XXXX CA Reference # XXXX was reported to a Credit Reporting Agency without my knowledge or permission. I have requested for this information to be removed for several years now with no resolution.

In accordance with the Fair Credit Reporting Act my rights were violated.

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2 it also states a Consumer Reporting Agency can not furnish an account without my written instructions.