davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-27
Product: Other financial service — Check cashing
Issue: Fraud or scam — 
Company: Fidelity National Information Services, Inc. (FNIS) (NC)

I have tried several times to cash my paycheck at XXXX ( Which Certegy handles the verification ) but they keep declining and told me to contact Certegy. I was very concerned because I dont have any negative transactions so I called Certegy and spoke with XXXX and her senior XXXX. I advised them that I have a copy of my consumer report and it clearly states no outstanding/ unpaid transactions and I wanted to know why they are providing negative information preventing me from being able to cash my check. XXXX advised that they cant tell you why the transaction was declined it was confidential, so I spoke with XXXX that stated the same thing. I asked her if I do n't know why they are declining the transaction how would I know if they are basing the decline on incorrect information. I just do n't think they should be able to just decline my transaction with out giving me a reason besides falling outside to the guidelines. They should be required to provide me with the guidelines so I will know if I meet them. I am simply trying to cash my checks nothing more. Please investigate this because it does not seem ethical at all.
Consumer complaint received 2016-12-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services (CA)

ACS Education Services represents that its re-certification process for the IBR plan is 7-10 days. My application was received by ACS on XXXX XXXX, 2016. Notably, on XXXX XXXX, 2016, an ACS representative stated that my application should be processed before my increased payment ( non-IBR ) is due on XXXX XXXX, 2016. Based on her advice and representations, I agreed not to submit a forbearance request at that time. But, my application still has not been processed as of XXXX XXXX, 2016. ACS 's inability to complete a timely review of the IBR certification may result in a delinquency and negative credit reporting.
Consumer complaint received 2016-12-27
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (FL)

My loan started off roughly at about {$17000.00} back in XXXX. It is now XXXX XXXX and at this point my pay off is roughly XXXX. I cant understand how I am only showing that about a XXXX dollars has been paid towards my car loan. The lender will not provide a payment book.
Consumer complaint received 2017-05-10
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

On   XXXX   XXXX   I noticed an increase on my mortgage payments and I did n't know why. I called and called many times to  Ocwen  to explain to me why was there an increase on my monthly mortgage payments. To no avail I stopped making my mortgage payments because they were n't affordable due to the increase. On   XXXX   XXXX   XXXX   there was an event conducted by Ocwen to help homeowners that are struggling with their mortgage payments so I attended to this event and spoke to Ocwen face to face and explained to them that I wanted an explanation to why my payment increased and also wanted a modification to lower my payments. The representative that I spoke to that day said that they were n't going to be able to do much for me because i 'm paying a lot of property taxes and that I had to work with my property tax assessors office to see why my property taxes are high. So I went with my to the assessors office and explained to them what my mortgage company had said about my property taxes and they could not figure out why Ocwen said what they said, that there was no increase on the property. At this point I felt confused, So I submitted all of my paper work for a modification and I was denied due to my account being delinquent more than 90 days and second they could not achieve a 20 % of the payment reduction. I was late due to my payment increased and could not get an answer to why my payments increased. And that these decisions were made my the investors g uidelines. So then I went to seek help from a Hud counselor to see what they can do for me. My Hud counselo  XXXX  started making phone calls to  Ocwen  until she figured out why there was an increase to my payments becuase something was n't adding up, until she was trans ferred to department to department she finally got someone that was able to help her. We were explained the reason why the increase and it was due to me having two parcels in one lot. We both looked at each other confused like what we never heard such thing. So we said okay and we ended up calling our tax assessors office to confirm abou t the  XXXX  parcels. One parcel was mine  XXXX  and the second  one   XXXX  belonged to my neighbor. So all along Ocwen was having me pay my neighbors property taxes and no one at Ocwen had the nerve to correct this error. This was the reason why my payments increased. So we called  Ocwen  again and explained to them about the situation that they made was a huge error on their part and that it needed to be fixed right away. My property will be in default soon due to this error and they have failed to provide me with an accurate and reasonable resolution.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX. Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, has violated my rights. I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment, of inaccurate or unverifiable information ( A ) in general after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to no furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the accounts are inaccurate.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently became a victim of identity theft due to a crime being committed using my identifying information. Transactions were made without my consent or knowledge which caused my identity and credit standing to be compromised. The account that is the result of identity theft is XXXX XXXX XXXXXXXX. I am seeking remedy and giving notice to Trans Union, XXXX, and XXXX to do what is fair and equitable to me by blocking, deleting, and removing the entire account and its details from my credit report.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2017-05-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I PAID {$7700.00} to  XXXX    XXXX    X/X/2011    RECEIVED MY TITLE FOR A TRUCK FROM  XXXX  AND THEY PLACED INCORRECT IFORMATION ON MY CREDIT REPORT STATING THAT I HAVE A BALANCE OF {$560.00}.
Consumer complaint received 2016-12-28
Product: Prepaid card — Government benefit payment card
Issue: Unauthorized transactions/trans. issues — 
Company: Google Compare Credit Cards Inc. (CA)

I have learned in the last couple days, that the guest account on applications on XXXX phones, you do not need a password for and it links directly to your google account because it is your Google XXXX XXXX Account. My XXXX phone went back to XXXX ( per merchant guest account from prior phone. ) Not one rep through Google has stated the guest account was the play account, nor that the charges that play games billed were actual Google charges. Google cant provide a invoice or did they obtain authorization. These charges were not made by a minor or am I aware of anyone that made charges to my account. Google blamed my friends and family, refunded half towards a judgement for not getting expressed consent as i have been stating and deleted the remaining {$4000.00} and hundreds of transactions they ran through my bank out of their system. Google told me about a week ago to go to authorities because my info was stolen and its on another account. Why has it taken 2.5 years since i found out to have them tell me to go to authorities? Why did Google state in responses to complaints with the Attorney General and the FTC they were aware of the issue and to have me contact them and not state my unemployment card was on someone else 's account? I want the account and googles billing practices investigated. If Google would of investigated, the XXXX breach would of been made public sooner. I came to them and told them that there was a XXXX on my XXXX account that linked to his XXXX able to bill without permission. ( Google wallet separate charges ) I have given not XXXX person authorization to bill, add my payment method and not XXXX person has asked for my permission. I did not create a Google Wallet or Google Payments account. These are fraudulent transactions Google processed with out the expressed consent of the account holder, and are altering and deleting information 3.5 years after the first charge, 3 years since they flagged it 16 times without contacting me. Those flags have now been deleted from the invoice, yet I am told i didnt tell them fast enough what they concealed from me! Who benefited the transactions? Who received the credit from the purchase? How much was taken? These are all questions I have asked repeatedly, to be told i did not tell them fast enough, what it is obvious they have known! 
I would like Google to explain if a guest account for a application on a android device is phone specific and for billing purposes the same guest account is google account specific, what steps were taken to verify if the transactions were legitimate? 
please see complaint numbers below filed with CFPB for back up documentation. 
XXXX filed XXXX/XXXX/2016 XXXX filed XXXX/XXXX/2016 XXXX filed XXXX/XXXX/2016 XXXX filed XXXX/XXXX/2016 XXXX filed XXXX/XXXX/2016 XXXX filed XXXX/XXXX/2016 XXXX filed XXXX/XXXX/2016 XXXX filed XXXX/XXXX/2016
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

XX/XX/XXXX NONE OF THESE ACCOUNTS ARE MINE THEY ARE ILLEGAL!!! 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX These accounts are illegal and I have already made an identity theft report. These collections are fraudulent. I've hired a credit specialist and I've placed security alerts on my bureaus. This is my second time having this issue with these accounts and inquiries that I did not authorize. Please remove them ASAP because its beyond illegal and I have contacted these companies numerous times and legal action will have to be taken. These accounts are fraudulent, illegal, I never ever opened these accounts. 

onemain {$13000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the allieged debt. nor therefore any such debt in fact therefore exists. ( please remove this account before i seek litigation for defamation of character ) XXXX XXXX  balance {$0.00}, ( please remove these fraudulent inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-12-27
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: JPMORGAN CHASE & CO. (IA)

My husband, XXXX was seriously injured in an accident on XXXX XXXX, 2016. He is still recuperating from the resulting XXXX and other injuries and has been unable to work. We do not have the funds to make full payments on our accounts at this time. We are currently working with XXXX XXXX XXXX XXXX, a non-profit agency in our home town. XXXX is not charging us any fees. All our other creditors have been willing to work with them and we are making payments to keep those accounts current. Chase has refused to work with the XXXX, saying they ( the XXXX ) are a " Debt Settlement Company '', even though we 've been trying to set up something with them ( Chase ) since shortly after the accident. Even when I called directly to try to negotiate, Chase refused to speak to me, and instead referred me to XXXX of their Credit Counseling Referral Lines. Although the initial recording said I would hear a list of agencies serving our area code, my call was immediately transferred to someone who identified herself as " XXXX '' at " XXXX XXXX XXXX XXXX. '' XXXX stated that she was in XXXX and did not have offices in XXXX. XXXX boasted that XXXX XXXX was XXXX of only XXXX credit counseling agencies that Chase refers customers to. Without knowing any of our personal or financial information, XXXX right away offered XXXX solution which she called " XXXX XXXX XXXX '' where XXXX XXXX would make our payments for us and charge us a {$50.00} setup fee and up to {$55.00} per month fees on top of what we owe to our creditors. Why would they refer us to a company that sounds exactly like the type of service they are warning us against? I do n't understand why Chase would refuse to communicate with the local non-profit agency who are already helping us and instead coerce us to deal with an unknown " debt management service '' that will charge us setup and monthly fees on top of our debts. Chase is in effect creating a monopoly by referring us to XXXX of their in-house credit counseling agencies, which will cost us to use, generating more income for the Chase brand. Additionally, the " negotiated settlement '' payment is actually higher than the minimum payment we 've been billed. Our other creditors have already worked with XXXX to help us set up hardship payment plans. Chase 's refusal to cooperate with us is causing undue stress. Please respond quickly to help us resolve this situation.
Consumer complaint received 2016-12-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NY)

Went to the bank on XX/XX/2016 to cash a check with my account, only to be told my account was being closed. I had a good status with the new account. Now my start to a new year is in a whirlwind and I feel it 's truly uncalled. No one has answers. Just telling me that it was there choice.
Consumer complaint received 2024-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2016-12-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am XXXX XXXX XXXX and have over 30 years of credit history however recently, data being sent from TransUnion to XXXX and XXXX is saying I do not have sufficient credit history which has caused a loan to be declined and another loan had to be entered into at a higher interest rate. 

I contacted TransUnion and they said I need to bring this to the attention of the financial institutions in question however I feel that TransUnion should take ownership of this because XXXX separate financial institutions are receiving the same incorrect data from TransUnion. 

I have attached a declination letter from XXXX and the XXXX site print screen as support.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2016-08-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

Equifax is stating that the information on the public record is accurate and closed the dispute. I know the information is accurate. My issue is that I filed a Chapter XXXX bankruptcy in XXXX XXXX, which means XXXX XXXX it has been 7 years and should be removed. XXXX and XXXX both have complied and cleared my record. When I called Equifax , I was told that because my Chapter XXXX was dismissed and not discharged, I have to wait 10 years for it to be removed. I have called and consulted with several bankruptcy lawyers and all have told me that the rule is 7 years for a Chapter XXXX.
Consumer complaint received 2016-08-12
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Called after sent written cease of comm
Company: JPMORGAN CHASE & CO. (IL)

I have advised Chase on a few occasions that I do not wish to receive any contact from XXXX, every time I speak to them I have a headache. For health reasons, I ca n't have any contact with XXXX. I do not have a good view of this company and I wish there was a thorough investigation of this company. There are numerous complaints against them online with the same complaints about them giving out inconsistent information. I have filed a complaint against them in Illinois due to them collectiong on student loans from XXXX XXXX XXXX ( XXXX does not have own these loans ), they have to proof that they actually own the rights to collect on this debt which they did not provide to them at anytime. My due date was changed from XXXX to the XXXX without me knowing that. The XXXX does not work for me and all of the other loans are due on the XXXX. Why is my due date being changed, I went through this issue before and Chase did correct that issue. I need my date changed to the XXXX.