davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-27
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: Experian Information Solutions Inc. (TX)

Hello, Effective XX/XX/XXXX my student loan balance was waived through the XXXX student loan servicing provider under the Public Service Loan Forgiveness Program. 

The problem is XXXX has not reported that my student loans have been forgiven to all of the credit bureau reporting in the United States including XXXX, XXXX, and Experian. 

I emailed XXXX through my online account on XX/XX/XXXX asking when XXXX was going to report this new financial information to the XXXX, XXXX, and Experian. 

Their response is they report every 30 days, but I have not seen this change or update on my credit report. 

I would really appreciate it if XXXX lets XXXX, XXXX, and Experian know that I no longer have this debt. 

Thank you, XXXX XXXX, XXXX.
Consumer complaint received 2023-02-27
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CL Holdings LLC (FL)

5 years ago, I purchased a XXXX ridgeline with XXXX XXXX the loan was with XXXX XXXX acceptance for {$11000.00}. I've been making payments on the vehicle for about XXXX and when I asked how much I still owe them I was told {$11000.00}. The ended taking back the vehicle. They called and harassed me at various hours of the morning, so I blocked the number and now another company is calling me called Jefferson Capital Systems LLC saying I owe them money. Each time they've called me they have threated to take my property and take money from my account. They've sent letters to my house, having people knocking on my door, and scaring my kids. I have no idea what these might do next. They've been lying about serving me papers about having me in court. I've never seen anyone but my kids because I'm not home. I am in Georgia trying to setup a business and I can't focus because of this company. My wife has calls me a few times and she is also worried about these people. I don't know what to do so I researched what to do and filed a complaint.
Consumer complaint received 2016-04-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Diversified Consultants, Inc. (OH)

This has been going on far too long. XXXX XXXX has been harassing me and hiring different third parties to collect from me. A bill was deleted from my credit report of {$260.00} through a third party they hired XXXX due to it not being mine and i have spoken with over XXXX reps directly through XXXX XXXX and all sources of management. They will try to force an amount on you without hearing anything you have to say and make up illegal type threats and force this account on me. I have told them several times stop contacting me and they still find other parties to call me about this. It is frustrating i have to provide every single third party with the same exact information i gave to get this cleared up the first time.
Consumer complaint received 2017-07-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MI)

My mortgage company went bankrupt ( GMAC ) and my mortgage went to Ocwen. They worked with me to lower my payments. They then made a mistake and put in my income higher than it was. They said they would have to redo it-after I had paid hundreds of dollars the first time to lower my payments by paying them for processing, etc. The second time they worked with me again, setting my payments at {$540.00}. My mother in law became very ill and we ended up paying a lot of her medical costs, then for her entire funeral. This set us back but I still kept paying my payment before the XXXX-the late fee day. Every month, I would pay exactly what the mortgage company said that I owed for that month. {$540.00} it coming out to be {$620.00} a month. This month, I received help from the VA because I am a veteran. They asked me how much was due. I sent them a statement of the mortgage which said for XX/XX/XXXX, the payment was {$1200.00}, even though our payment was only {$540.00} a month. Even with late fee, the payment for both XX/XX/XXXX and XX/XX/XXXX would have been $ XXXX.The VA paid them, THIS MONTH {$1200.00}. I went to make the payment for XX/XX/XXXX, ahead of time and the amount shown was yesterday @ XXXX XXXX for {$640.00}. No extra fees, nothing. I set up a payment for {$640.00} + {$2.00} making the withdrawl for Ocwen, {$650.00} current for XX/XX/XXXX. Today, I logged in and looked to print out a copy of my scheduled payment. My amount due is now {$660.00}!!! 
This amount changed overnight. These payments are changing continually and I want it to stop. This is why customers get behind and this is why we lose our homes! There should be no extra  fees. There should be no " property inspection fees. '' My mortgage was current as of XX/XX/XXXX.They then added a late fee of {$15.00} even though VA just paid and specifically wanted the amount indicated that was due. Now they have added another {$15.00}. My XX/XX/XXXX payment is  not due yet and I have it scheduled!!!!!
Consumer complaint received 2023-02-27
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. (NY)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX # XXXX, has violated 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 2016-09-19
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

We have attempted to apply for a loan modification from Wells Fargo 5 times. We have a Wachovia pick-a-pay mortgage. Most recently, following the loss of my husband 's job, we submitted modification paperwork. The online HAMP calculator indicated we should have been given a modification but WF declined us again. We are several payments behind but have been making regular monthly payments. They have now written to us saying they will accelerate foreclosure against the property. We believe that the modification was turned down incorrectly and that the bank is deliberately declining to help us.
Consumer complaint received 2023-01-25
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. (LA)

In accordance with the Fair Credit Reporting act, the list or accounts below has violated my federally protected consumer rights to privacy and confidentiality 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, 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. 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates 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 2023-01-25
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: Credit Karma (MO)

Credit karma, said I was pre approved for a bunch of different loans. Ran a credit check even if it said no credit checked required this all happened XXXX and XXXX Now I have XXXX hard inquires a bunch of which are authorized and they refuse to do anything. I got denied for mortgage, credit card and other things I was pre approved for. It also dropped my credit XXXX points
Consumer complaint received 2017-02-06
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have a Lord and Taylor credit card with a credit limit of XXXX because they had reduced my limit because of a decline in my credit score. I have n't used the card since this decline and before the decline my bill was paid on time. Recently I received a bill that I should have because the card has n't been used. Someone made fraudulent purchases on this card and I filed a dispute directly with the creditor and to date I have received and update but recently pulled my credit report and they have an unpaid balance and has closed the account without my knowledge at all.
Consumer complaint received 2017-07-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Well my XXXX year old XXXX son figured out how to log onmy XXXX  account on XX/XX/XXXX and buying XXXX at {$12.00} plus XXXX at XXXX plus XXXX for XXXX XXXX I contacted XXXX several occassions. i also contactedmy bank on XXXX/XXXX/17 to be told theywere still processing cannotdo anything to dispute it. then on XXXX/XXXX/2017 i contactedmy bank bank of america to dispute the charges as they were not authorized by me and did not know they happened until i got an email from XXXX. Also my bank accessed me {$100.00} in over draft charges. I filed a dispute with claims department at XXXX XXXX our time on XXXX/XXXX/2017.I was told that she give me a temporary credit on my acount for the XXXX transactions and theover draft fees. Well two hours later i called back to talk toa supervisor of my bank in claims to be told that they will not credit back the transactions unti ten business days later and the overdarft fees another three to five business days after that. thisis not right as it was an unauthorized purchase and should have been credited right away after the dispute was filed. i do not appreciate being lied to as first lady in claims said she was working on the credits back right then only mention of the ten days was that i get a letter sign it send it back to the bank. This is very unacceptable not to give me temprary credit for the transactions and the over draft fees as it was done by my minor XXXX son without my knowledge or permission. This is unacceptable to not help me with this situation and lie to me. Not happy at all.
Consumer complaint received 2023-01-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc ()

Hi paypal Inc just ban/permanent limited my account here 's the reference number : XXXX I don't why paypal just ban my account without any reason I read their term & condition and didn't see any violation I've done when I ask their costumer support they just telling me they can provide specific reason like huh?? 

Hi paypal you know I have still money in my account and I need that money but you see what have you've done I cant get my money because you ban my account.You see I use youre service because of my business, this is the only way client can pay me but you ban my account! Am trying to reach you out on a phone call but you're unreachable. PLEASE FIX ALREADY MY ACCOUNT. 

THANK YOU!
Consumer complaint received 2023-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (FL)

Closed card in XX/XX/2022. They allowed a charge to go through that I did not renew for XXXX. I made several unsucessful attempts to contact the charging vendor prior to the charge. Despite those attempts, the card is stating that they allow recurring charges. At time of closing card, it was not disclosed they would allow recurring charges to process. I did not authorize any.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC (TX)

I applied for a checking/saving account with XXXX. I was denied due to information on Early Warning Services LLC. I have contacted them but have not received an update on my status or what information is being reported to them.
Consumer complaint received 2017-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have inquiries on my credit file that were not authorized by me. I understant inquireis are placed on your credit report. However, that is only if you authorize as such. During the time these inquiries were placed, I had a credit alert on my file. The credit alert clearly indicates to contact me via phone, which the correct number is on file to verify my identity by showing proof of ID. Despite the failed attempt to verify myself from these companies, my credit was still pushed through without my consent, which caused a hard inquiry that affected my score. What was the purpose of having a credit alert if it would not be enforced? None of these inquiries are associated to any accounts that I have or have had.
Consumer complaint received 2023-01-25
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. (MI)

I have been disputing server addresses to be removed from my credit report and experian refuses my request. I have addresses that I never lived at on my credit report. Then they asking me to send in driver license, employment checks for personal verification and I have twice and they keep emailing me stalling asking for the same items that I already sent in. My name is spelled wrong also on my credit report. My name is XXXX XXXX XXXX. I shouldnt my name 4 different time on my report. I have a right to fix and remove things that do not belong to me.

These two addresses are fraudulent XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX The address below I have asked over and over to remove it and they refuse to. Thats my grandmothers house I never lived there. 

XXXX XXXX XXXX XXXX, MI XXXX
Consumer complaint received 2023-01-25
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. (OH)

In accordance with the Fair Credit Reporting act 15 USC 1681 section 602 gas violated my rights.

Also, USC 1021 section 604 It also states a consumer reporting agency can not furnish an account with ought my written instructions. 
Account XXXX XXXX XXXX XXXX was paid off and is not showing. I have contacted company nothing was done.
Consumer complaint received 2017-07-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (WA)

I have been with Wells Fargo for years. I had severe health problems, lost jobs, wreak a XXXX XXXX, worked out of town, did a mod with them, could n't make payments, These people always said that they would help me out. Not one person told me about any other programs or my options ... I have a good job, had to file chapter XXXX, it 's krazy ... .they take a payment out of weekly check for that month. Because of the timely mater with forecloser all the added fees, XXXX late back pay now. Each month I pay over XXXX to them. I work 6-7 days a week, you should see how I live, no food, 2 cars I ca n't drive need repair, repairs needed in the house. Ca n't mow the lawn, Trustee says five years maybe, Let me ask you, Do you think I will be alive? What a nice substantial life ....
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (DC)

Fortiva is refusing to make the payment and pull bank funds for payment from my bank account within the promised 24 HOUR period that Fortiva promised they will use to pull the payment. Instead they refuse to process the payment within the promised time you 24 hours and wait 5 day which looks like fraud to the bank and it causes the bank to tell them no. They wait till XXXX on Sunday to pull the funds when they were supposed to pull the funds out on a Wednesday. The bank sees this as fraud and refuses to pay them so then they keep blocking my payments. They are waiting intentionally for a late process so it will be declined by the bank. They are denying me my rights. This is not fair.
Consumer complaint received 2023-02-27
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. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-27
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. (TX)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation 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 2023-02-27
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)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2016-06-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (NY)

On XXXX/XXXX/16 a loan modification package was submitted. 
On XXXX/XXXX/16 a call was placed to check if anything else was needed. The XXXX form needed to be updated and it was submitted the same day. 
On XXXX/XXXX/16 a call was placed to check if anything else was needed. The XXXX form previously submitted had not been reviewed. " A message was sent for the documents to be reviewed. '' At this point, Seterus had a complete package. 
On XXXX/XXXX/16 another call was placed to check on the status. No update and sale date still on. " A message was to the escalation department. '' On XXXX/XXXX/16 sale date still on, no update, no additional documents needed. 
Should n't they at least postpone the sale date if they have a complete package? Are they going to review the package for a loan modification while they are trying to foreclose at the same time?