davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc. (SC)

On XX/XX/XXXX I submitted all relevant identification and forms to be verified in Binance.US. The verification has been pending for the better part of two weeks. I dont understand how it takes so long to verify if a document shows my correct address. They will not allow you to submit a help ticket.
Consumer complaint received 2022-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have unauthorized inquires on my credit report I would like to be removed. There has been hard Inquiries made in violation of federal law. Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ), the term consumer report can not be containing information solely as to transactions or experiences between the consumer and the person making the report. As a consumer and pursuant to 15 USC 1681 ( a ) ( 4 ), you are to respect my right to privacy and XXXX, XXXX and Transunion has violated my right by allowing these transactions to happen.
Consumer complaint received 2021-04-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have tried to contact the credit bureau XXXX, TransUnion and XXXX I cant seem to get any help my email address is XXXX phone number is XXXX My information keep selling my information to those collections company and its wrong by law and the credit bureau Act
Consumer complaint received 2021-04-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

This is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated. 
1. I am asserting my rights under the Financial Services Modernization Act and the Fair Credit Reporting Act to " opt out '' of the following two uses of my personal information : a. You do not have permission to disclose personally identifiable information with your nonaffiliated third-party companies or individuals. b. You do not have permission to disclose my creditworthiness to any affiliate. 
2. I am further instructing you : a. Do not disclose any of my transaction and experience information to any affiliate of yours. b. Do not disclose any information about me in connection with marketing agreements between you and any other company. 
3. Please respond to me in writing stating that you will comply with these instructions. If I have not received a letter within ten days specifically denying my instructions, I will assume your records have been noted to comply with this letter. I am mailing this in a sealed envelope, and I am NOT including my social security number. I believe my name, address and account number identify me sufficiently. 
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.
Consumer complaint received 2022-09-20
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. (MO)

In Account with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has, violated my rights. 

15 U.S.C. 1681 Section 602 A. States i have a 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.

Have not provided me a copy of ANY original Documentation ( a consumer contract with my Signature on it ) as required under Section 609 [ a ] [ 1 ] [ A ] & section 611 [ a ] [ 1 ] [ A ]. furthermore, they failed to provide the method of Verification as required under Section 611 [ a ] [ 7 ].

Section 611 [ 5 ] [ A ] of the FCRA they are required by law. Need ALL INFORMATION Promptly DELETE WHICH CAN NOT BE VERIFIED.
Consumer complaint received 2021-12-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (AZ)

Account Name : JPMCB XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00} Reason : Identity theft Please remove it from my credit report. 
Account Name : JPMCB XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} Reason : Identity theft Please remove it from my credit report
Consumer complaint received 2021-04-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

I am continually locked out of my account with Equifax, I did have a paid account, called twice because I could not log in, they keep giving me error screen to call them, I call them, however they will not give me a reason WHY I can not log in and have to call them. so the last call about a month ago I said close my paid account, you refuse to let me access it. I try to log in today and same message, it is always with them, with no explanation. These companies control your quality of life and it seems they can do whatever they want? Not right!
Consumer complaint received 2021-04-28
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Onity Group Inc. (CA)

I was diagnosed with XXXX and was unable to earn enough money during my treatment and recovery so I entered into a forbearance agreement with PHH Mortgage. Their Relationship Manager assured me that I would not incur late fees or be reported to the credit bureaus as " late. '' My wife XXXX XXXX and I was reported late to all credit bureaus for 8 months ( XXXX XXXX to XX/XX/XXXX ) while the forbearance plan migrated to a successful loan modification. When PHH requested my trial payments during the initial phase of the loan modification, I made those payments in a timely fashion and PHH reported the trial payments as late. 

I did not discover the damage to our credit reports until recently. My wife and I tried to apply for a car loan at all the banks and credit unions which offer competitive rates of 3 % and were declined several times. Finally, a lender called XXXX approved the car loan at 23 %. 

I have filed a complaint with PHH Mortgage and XXXX. PHH says they did nothing wrong in their letter dated XX/XX/XXXX ( attached ). This contradicts their Relationship Manager claim and their Telephone IVR system says that " you will not be reported late to the credit bureaus while in a forbearance plan. ''
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (PA)

American Honda Financial Co reports debt over seven years old on report. 

I have asked them to remove but they have not The account was closed in 2015. It has been seven years and I would like the account removed from my credit report Thank you
Consumer complaint received 2020-01-03
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (GA)

I would like to file a formal complaint against DiTech Financial LLC. My ex-husband and I have a home that is currently still in both of our names. He and I both have remarried and my current husband and myself are residing in this property and have been since XXXX of XXXX. My current Husband & I have been actively trying to get the home refinanced into our names to make the place our own and freeing up my ex-husbands name from any responsibility to the place which also allows him to move forward. 
We have been corresponding with DiTech since the beginning of XX/XX/XXXX and are still currently seeking the documentation we need to be able to process this Mortgage. We have a lender willing to allow us to do so and the only thing holding us up is DiTech and their unwillingness to cooperate. All we need are copies of the actual mobile home ( 3 sections to the home ) ( 3 ) titles to the home on our mortgage which they hold. We have been told as much as they have to be requested which I have done ample times, to they are awaiting approval by a supervisor before they can be sent out, back to they have no titles showing, and we have also been told its not listed as a mobile home. Initially we were told it would take 7 to 10 days for the request to process. 
And then the time frame and replies kept changing. You never were able to talk to the same person twice for the most part. Even our Loan Officer that is assisting us has contacted them and they gave her the run around and was rude to her as well. I do not understand how you can be in the Business of holding peoples mortgages and not be able to produce this Documentation. Its not like we are buying something that can be returned! This is our home which blood sweat and tears has gone into not to mention the cost. I would GREATLY APPRECIATE ANY AND ALL ASSISTANCE IN THIS MATTER .... I feel as though this is a HUGE INJUSTICE to me as a Consumer. Rest assured if it was the other way around I am sure they would not be happy either and they would want their money. I HOPE AND PRAY THIS CAN BE RESOLVED SOON AND I HOPE THIS HELPS SOMEONE ELSE DEALING WITH DITECH IN THE FUTURE ... ..SINCERELY STRESSED OUT CONSUMER!!!
Consumer complaint received 2021-04-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

I opened the Amex card around XXXX, XXXX and used it on XX/XX/XXXX in the amount of {$10000.00}. Due to this charge, Amex requested for my tax information to verify income, which I had sent them many times in the beginning of XX/XX/XXXX. They kept saying that weren't receiving my information and loced my card, and still proceeded to charge me the Annual fee of {$690.00} and then charged me another fee of {$170.00} for Additional Card Holders fee. The balance came to {$11000.00} and minimum payment was {$10000.00}. 

I was sent a letter regarding the closer of my account to due " Failure to provide proof of income. '' In their account agreements, if the account is closed and it hasn't been 30 days since the fees were charged, Amex would refund ALL fees that were charged to the account. They only refunded the Annual fee of {$690.00} and did not refund the {$170.00} Additional Card Holders fee. 

I have paid the minimum payment of {$10000.00}, that was due on XX/XX/XXXX, on that date. The account balance had changed to {$130.00} after Amex had returned the {$690.00} Annual fee. There shouldn't be any balance left, and they should be owing me {$40.00} in cash. 

I have contacted them many times in XX/XX/XXXX, via online Chat and by phone. I can not remember when I called but I have online Chat history that started XX/XX/XXXX of my request for the return of the fees that were charged to my account. The agent says the fees will be refunded within XXXX hours. I've been checking for 7 days and there were still no FULL refund. I was still not refunded the {$170.00} Additional Card Holders fee. On XX/XX/XXXX I spoke to another agent who then told me that BOTH of the fees should have been refunded to me XXXX hours after the account had been cancelled. But there was only one fee of {$690.00} that was refunded. 

They sent a statement for XX/XX/XXXX, wanting me to pay {$130.00} by XX/XX/XXXX. I know what they are doing. They want my account to go past due for the amount of {$130.00}, then make charges to the account to add late fees and then put me on delinquent to mess up my credit score. I've read many reviews that this has happened to many people.
Consumer complaint received 2021-04-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (GA)

I sent this company a paid to delete letter, I spoke with rep in which I recorded his voice conversation and he stated they also recorded my conversation in his conversation he stated I can take advantage of a settlement offer of XXXX the original amount was XXXX. I sent the attach letter in which they agreed to. and it will be deleted his exact words AFNI WILL REQUEST FILE TO BE REMOVED ONCE PAID I have followed all instructions now my credit report per XXXX  is stating settled paid less than half amount I will file a lawsuit against this company for false representation of company policy.
Consumer complaint received 2021-03-28
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: Bread Financial Holdings, Inc. (TX)

The company fixed the reporting on some of my credit reports but on XXXX  it still incorrectly shows late once last year during the time we had XXXX and was excused
Consumer complaint received 2022-09-11
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. (IL)

Good day, I XXXX XXXX, have come to the conclusion regarding my three consumer credit reports have been compromised in terms of my identity. Across XXXX, XXXX & Transunion there is fraudulent inquiries posted that I have attached in an attached documentation along with an auto loan that is tied to my name and an address that I have no association with. This has caused me great emotional, financial, and mental distress as this is inaccurate and in factual as I was XXXX XXXXXXXX so it is impossible for me to have taken out a loan for an auto loan. Upon my investigation and research it appears to be I was added to this account I am not the primary holder which explains that the thieves who compromised my identity used me in order to acquire this auto loan. To my understanding I did not offer consent to use my credit in the attached documentation for this auto loan or apply for any applications of credit for the attached inquiries. The Credit Bureaus have neglected to look into this matter so I am reaching out to the CFPB to get these fraudulent matters removed from my credit report as to not cause me any more harm and distress as I have already been through enough.
Consumer complaint received 2021-04-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Google Compare Credit Cards Inc. (FL)

n 2011 or so Google marketed a free version of " XXXX XXXX XXXX XXXX  '' at anyone who wanted vanity/personalized email accounts other than XXXX account. However, they phased those out and now focus only on business ( XXXX  XXXX then XXXX  ). They've left in the free legacy accounts, but they converted them to business accounts even though ours has nothing to do with business. We've been trying for months with numerous agencies to find someone at Google who will help us convert the old " XXXX XXXX XXXX XXXX '' account to personal accounts and preserve purchases and settings in the app. Google refuses to acknowledge us unless we pay to upgrade to an XXXX account at our cost, which shouldn't be necessary to just get out domain/accounts converted back to a personal account again ( which a company with the know how of Google should be able to do easily ). The best we can find on their forums is that we just download a raw dump of all our Google data ( Google XXXX ) and lose all purchases and anything else we've done. To bad so sad. Neither the FTC nor the FCC has been able to help. Hopefully the CFPB can since now Google is making changes to their consumer financial product. Now we come to the new issue. Google is getting converting their Google Pay digital wallet and tap-to-pay service to a new Google Pay service. However, they will not let business/enterprise users ( which apparently we are ) use the new service, so we are going to lose our digital wallet and tap-to-pay services that we have quite a bit of financial information in. I attempted to contact Google to ask about the new Google Pay, and all I got was that it won't work with enterprise accounts and that I need to create a new, separate XXXX account for it to work. But they did not even acknowledge my question about converting my " business '' account to a personal account or why they are otherwise kicking so many users out of their financial service without a viable alternative. 

Google told CFPB on XXXX that I have a personal address and it's not a problem, but that is not true. I can not use their Google Pay service ( or any other service like Google XXXX ) because it is " not available for workspace accounts '' so the issue is not as they stated when they erroneously closed the previous complaint and they gave inaccurate information to CFPB to close it.
Consumer complaint received 2022-09-21
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of the information Any other adverse items of information, other than the records of convictions of crimes which antedate the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-10-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

I am writing to request for your assistance in addressing issues with my public service loan forgiveness payments with Fedloan servicing ( PHEAA ). 

Problem # 1 - I was placed on excessive administrative forbearance of 4 months from XXXX through XX/XX/XXXX when applying for an income-driven repayment ( IDR ) plan when typically it takes 1 month to process the repayment application. I lost months of public service loan forgiveness ( PSLF ) qualifying payments. 

Just to give a little background- I graduated from medical school in XX/XX/XXXX, had a 6 month grace period XXXX through XX/XX/XXXX during which time I have consolidated my direct subsidized and unsubsidized Stafford loans with the intention of pursuing PSLF. At that time, my direct loans were with XXXX XXXX XXXX. My first repayment should have started in XX/XX/XXXX, but I was not informed to file an IDR repayment application before XX/XX/XXXX and once I filed the IDR form in XX/XX/XXXX, XXXX XXXX XXXX gave me a timeline of up to 2 months for processing time. Once the IDR application was processed, my first bill was generated in XX/XX/XXXX on the IBR plan. My loans were subsequently transferred to Fedloan Servicing in XX/XX/XXXX and XXXX XXXX XXXX has since been closed. 

Problem # 2 - During my annual IDR recertification in XX/XX/XXXX, Fedloan servicing placed me on administrative forbearance and Fedloan servicing automatically transferred my repayment plan from PAYE to REPAYE without my knowledge and without giving me an opt out option so that I can make my normal repayment under my then PAYE plan. 

Fedloan servicing said that they automatically transferred me to REPAY because I did not qualify for PAYE. I already lost one month of repayment when my IDR plan was switched from IBR to PAYE in XX/XX/XXXX and now I lost another month again because Fedloan servicing realized that they mistakenly approved me for the PAYE plan. Fedloan unilaterally placed me on administrative forbearance, switched my repayment plan, failed to offer me an opt out plan, and failed to inform me of this whole undertaking in XX/XX/XXXX. Fedloan 's service recovery team agent realized the error of not giving me an opt out option and filed for a review since XX/XX/XXXX for a bill to be retroactively generated, but there has been no remedy since the escalation.