davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (NM)

I had a chime account since XXXX. On XX/XX/XXXX I was trying to log into my chime account and had issues logging in. I learned that the account was closed for violation of terms of agreement. When I asked what terms of agreement was violated they couldn't tell me at all. I had XXXX dollars and some change so I can pay my car insurance. I have a bank account with a different bank linked to my chime account for cases of emergency like paying my bills. I lost my card to my other bank and requested a new card so I thought I could move money around from my other bank to my chime account to at least pay my car insurance. I've been trying to contact chime and was hung up on multiple times for trying to figure put what's going on. I finally got through to a supervisor and the supervisor couldn't tell me what terms were violated and would send it to a different department to investigate.
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (CA)

In summary, I have reported this account to the FTC, XXXX, XXXX and the collection agency as Identity Theft. I never received formal written notice about this account prior to being sent to collections which is illegal practice under the Fair Credit Act. I have disputed with them directly and the collection agency can not provide legitimate evidence linking me to the loan such as a physical signature and government-issued Identification, they are obligated to stop collection efforts and remove the debt from your record.
Consumer complaint received 2023-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (NC)

I have been contacted repeatedly by phone and email daily. This account was closed properly and was continuing to bill my credit card. I cancelled the card and immediately began receiving threatening calls from this debt collector. I have requested several times for documentation and proof the account was open. All were ignored. If possible I would like to pursue them as my credit report was affected.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (GA)

In accordance with the fair credit reporting act. The lists of accounts below has violated my federallyprotected consumer right to privacy and confidentiality under 15 .s.c 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 u.s.c. 1681 section 602 A. States I have the rights to privacy 15 u.s.c 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish without my written instructions.

15 u.s.c 1681c. section ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer reports 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 1681-2 ( A ) (! ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the information is in accurate.
Consumer complaint received 2024-09-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Onity Group Inc. (TN)

Received mail requesting I resubmit my request for mortgage assistance. Spoke to XXXX XXXX XXXX XXXX XXXX XXXXXXXX he said he was not allowed to discuss the loan. Transferred to Customer Resolutions for details of the modification application and status. XXXX XXXX XXXX advised they are not allowed work on the application until the account has been brought current. I replied that the purpose of the modification is so the loan can be brought current. And this wasn't what I was told on XXXX XXXX XXXX I was told my application was in review. Requested a Supervisor to make a complaint or the Escalation Dept. He advised the Escalation Dept will have o transfer me back to the Loss Mitigation Dept. 
My mortgage servicer is not willing to correct the mistakes they have made during the processing of my mortgage requests.
Consumer complaint received 2024-09-13
Product: Credit reporting 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. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-11
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. (KY)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of XXXX. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these item deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2016-04-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (PA)

I recently filed a complaint XX/XX/XXXX which we thought was resolved in a repayment plan, and a removal of the negative credit reporting all was good til XX/XX/XXXX when they reigned and put 11 past due payments on my credit report, and this from a supervisor who felt bad about what greentree did to me, well just goes to show you soon as you close a case they turn back to thee old ways. all agreements of the repayment plan are in my first cmplaint case # XXXX which i printed off your site also for just a occasion. I am also in touch with other agency 's regarding illegal transactions.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (TX)

I am writing to complain to XXXX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/year>. The FTC report number related with this complaint XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2023-06-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/23, a {$220.00} purchase was made online from XXXX through my PayPal account using my XXXX credit card. I returned this purchase within the refund terms and conditions of XXXX and was provided a refund on XXXX Credit Card for {$220.00} ( the full amount ) in two separate refund transactions : {$25.00} and {$190.00}. 

On XX/XX/23, I received an email from PayPal indicating that {$220.00} was being debited from my PayPal account " Because you received duplicate refunds for the same transaction, we have debited {$220.00} USD from your PayPal account. '' As noted above, I only received one refund for {$220.00}. On a side note, I wasn't even aware a Dispute was logged with PayPal, let alone that anything was being investigated. 

PayPal 's Dispute ID : XXXX XXXX XXXX contacting/calling PayPal on XX/XX/23 at XXXX, was left on hold for almost an hour, and was ultimately unable to resolve the issue.

Essentially what PayPal is arguing is 1 ) I bought the item, 2 ) I returned the item, 3 ) I received one refund, 4 ) now I'm being charged for the item that was returned and I received one refund for. Make sense? This issue reeks of fraudulent business practices on the part of PayPal. I will say this, I see no reason to use PayPal in the future for any transactions.
Consumer complaint received 2024-08-15
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. (NY)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (PA)

My XXXX check was released to the bank and they accepted it on my behalf I spent XXXX hours yesterday on the phone about XXXX hours today on the phone and they tell me it's going to take a couple days for them to find where my money 's at I gave him a tracking number and a still just telling me to wait I'll just have to wait. Talk to the treasury department and they said they definitely know that the bank received the money and accepted it. That's an XXXX XXXX check that I count on and haven't had access to since last Friday like I said. I was also told when they do find it they won't call me to let me know I have to guess pretty much when they found it or if they found it and call them this isn't the first problem I've had with this Bank but this is the worst so far. The check amount would be {$620.00}. tracking number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX it was deposited XX/XX/year>. Thank you hopefully you can help me out have a nice day take care
Consumer complaint received 2024-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed this multiple times and TransUnion till this day has not send me a report update with results. XXXX XXXX XXXX XXXX  Case number XXXX While reviewing my personal credit report, I noticed some inaccuracies in the public records area of my file. I am requesting an investigation be conducted and verify that the information on ( XXXX bankruptcy ) is correct. I believe this may be an error because this/these do not belong to me. Please verify and remove them from my file and send me an updated credit report reflecting the accurate information.
Consumer complaint received 2024-09-04
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Entrata Inc. (MS)

Signed an apartment lease for the period XXXX to XXXX XXXXXXXX. Was not informed about automatically signed for a credit building service online ( RentPlus ), but the monthly rent showed a XXXX XXXX The apartment office ( XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) told me they can not do anything about it but I could google the company and contact them for service cancelation. 

XXXX XXXX [ 1 ] shows that many rental property had this RentPlus or related credit building service Opt-out, which led to subsequent difficulties for cancelation [ 2 ]. Moreover, even after successful cancelation, people were still charged monthly. Many people live in rental properties due to budget issues otherwise they would prefer to have their own places. Those are people either has no money, want to improve their credit scores, or students. Moreover, many said it did not help with their credit score [ 3 ]. So, this is a predatory in nature from both rental companies and credit building companies. 

XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX
Consumer complaint received 2015-08-14
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

My spouse and I applied for a home loan through USAA. I am a mobilized reservist currently on active duty. USAA issued a pre-approval letter and based upon that we looked for and found a home that meets our needs. We made an offer, which was accepted and currently are under contract to purchase the home. USAA had pre-approved us for {$250000.00}. The purchase price for the home is approximately {$230000.00}, well under the pre-approved amount. USAA subsequently rejected our home loan application and denied credit. However, during the application process, they provided a completed application form with incorrect data which we were advised by the loan processor to change and re-submit which we did. Also during the application process, the loan processor referred to us by XXXX different last names and provided a response that related to another person 's account, to include data related to that person 's home loan application. We provided all documents and information requested by USAA timely and completely. At the time of initial denial we raised concerns and asked for reconsideration. They reported to us that they re-looked at the loan then responded with a third reason for denial. However, at no time did they provide information with regards to the data they were using and whether it was correct. We have serious reservations as to whether they ever used the correct data to adjudicate our loan application. We also have concerns that they may have confused our account with another in light of the emails we received for other account holders. We also have yet to receive a written notification of denial, only XXXX informal emails. USAA representatives, to include management, are now unresponsive to any of our concerns despite professional and polite emails raising these issues.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) IN ACCORDANCE WITH THE " WRITTEN '' INSTRUCTIONS OF THE CONSUMER TO WHOM IT RELATES ( 3 ) To a person which it has reason to believe- ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information- ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

I recently reviewed my consumer report and noticed bankruptcies listed that I believe are inaccurate. After researching consumer protection laws, I have reason to suspect this may violate the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c ( a ) ( 4 ) regarding reporting of bankruptcies.

I am concerned that my personal information may have been disclosed without proper authorization. As I believe I may be a victim of identity theft, I request that you thoroughly investigate these entries and remove any inaccurate or fraudulent information immediately.
Consumer complaint received 2024-09-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (NM)

I enrolled in XXXXXXXX XXXX  XXXX XXXX XXXX XXXX. They advertise, promise, and state that they provide supervised practicums and internships. This profession requires licensure in Alabama and in my home state of NM. Resources, practicum sites, and internship placements are provided for students in the home state but not for distance learning. I submitted a complaint and was told to write a formal letter to ask for an exception to policy and academic and financial forgiveness for one term. I did not agree with it, so I did not submit anything. I was informed the following day that the request was submitted on my behalf. They falsified and forged documents. I submitted another formal complaint and 150 documents and requested a full refund. I was offered four automatic degrees : XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX ) XXXX XXXX XXXXXXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX, which doesn't exist, and XXXX ) XXXX XXXX XXXX XXXX XXXX which requires courses in XXXX XXXX XXXX XXXX and more. I have not had any of those courses. I declined. State authorization has confirmed that the university is violation reciprocity agreements. They have escalated it to the state commission on higher education. Pleas note that the commission is responsible for approving programs in the first place and they are required to review programs twice a year. The program 's director was fired two weeks after I transferred out. The new director states on the school 's News page that the going rate for interpreter 's is $ XXXX. The data the university is reporting is also false. The data reflects there were XXXX students  and XXXX graduates. There were at least XXXX students  and only XXXX graduated. The graduated are not licensed or registered in the profession.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I discovered unauthorized inquiries on my credit report this morning and I'm completely puzzled. I routinely check my credit report, but this time I found unexpected discrepancies. I even tried refreshing my browser, hoping it was a glitch, but the inquiries remained. I'm requesting a thorough review of the documents I've submitted so that I can finally put this matter to rest.
Consumer complaint received 2016-01-28
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: ENOVA INTERNATIONAL, INC. (MD)

CashNetUSA is charging late fees and noting my account as delinquent, but they are not debiting my checking account on the dates agreed upon. Since CashNet has not abided by the contract by not debiting my account as agreed, and as a result are adding interest to my loan and causing and declaring my loan is in default, I am requesting the account closed with a final payment of {$210.00}. They can not say I am in default 73 days when they do not perform the automatic debit as contracted. I took out the loan for travel to XXXX funerals in XXXX 2015 and relied on the terms of the contract to withdraw the agreed upon amount. What they are attempting to do now is steal money and tarnish my credit rating in the form of fees and a default notice. There is a deposit of over {$3000.00} on the XXXX and last day of each month, so CashNet has no grounds for late fees or default notices.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am writing to formally express my concern regarding the disputed accounts on my credit report. Despite multiple requests for investigation, these inaccuracies remain unresolved, causing significant harm to my credit file and financial well-being. 

I kindly request that you conduct a thorough investigation into each of these disputed accounts and take the necessary steps to correct and update my credit report as soon as possible. These errors are causing severe hardship in my day-to-day life, and I urge you to address this issue without further delay. 

Restoring the accuracy of my credit report is essential for me to regain control of my financial standing. Your immediate attention and cooperation in resolving this matter would be greatly appreciated. 

Thank you for your understanding and prompt assistance.