davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (FL)

I was contacted about a work from home job through email and when I replied they sent a text saying to get on XXXX XXXX for the interview. I went through the interview that lasted about 45 minutes with questions and then I got an email congratulating me on getting the job. After that they asked if I had a fax machine and other equipment and I had some but they wanted a specific laptop and data entry software and asked if I had worked with petty cash, but not until they had me fill out a W-4 and I9 and had a copy of my social security card and drivers license. They said they were the company XXXX. They then said they were going to send me a check to cover the supplies, when I asked where I would get the stuff they said they have a vendor that I just send the money to. They sent the check and I deposited it and told them I wouldnt do anything until their TD Bank check cleared. They said it would clear the next day even though I said it takes 2-3 business. The check cleared the next day and the money was in the account. I researched XXXX and saw that it was a huge corporation and totally legit and the check had their logo and address on it. I wired the money to a XXXX account with the name XXXX XXXX and the routing # XXXX acct # XXXX with a XXXX XXXX, Utah address which I have as well. That night my account was overdrawn and the people I was talking to said thats never happened before and their accounting department would fix it in the morning. They disappeared after that and I could not contact them. XXXX XXXX was the name I spoke with on Teams. I have all the emails from them and screenshots of the FBI report. The bank denied the claim because TD Bank took the money back and the wire was taken from the account and now my account is overdrawn and they took our money and they didnt overdraw the account of the perpetrator. I thought a had a job and not I dont have a job and our bank account is overdrawn.
Consumer complaint received 2017-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (NY)

On   XXXX   XXXX   XXXX     I went to redeem some points to purchase an   XXXX   XXXX   XXXX    XXXX   tablet . By mistake I entered it twice. There is no page before submitting order to check for correctness or edit anything so I did not realize I had ordered  XXXX  in error. Withi n 5 mi nutes I called the company & they stated it is their policy not to allow returns or refunds & they could not cancel the second order. Now I am out  XXXX  points & receiving  XXXX   XXXX  when I only want & need one. The credit card company is Elan Financial Services
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Grain Technology, Inc. (TX)

I am writing to formally dispute several items on my credit report that I believe were reported in violation of 15 U.S. Code 1692j, which prohibits " furnishing certain deceptive forms ''. I'd like to bring your attention to the case XXXX XXXX XXXX XXXX XXXX, No. 95-6445 ( C.D.Cal. XXXX XXXX ), where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression. 
Given the precedent set by this case, I kindly request the removal of these accounts from my credit report or its update to reflect a neutral or positive status. Doing so would ensure that my credit report is a fair and accurate representation of my credit history. Below are the refenced accounts that need to be updated to reflect positive and or removed from my credit report. Specifically, the following items on my report are disputed attached in document
Consumer complaint received 2023-11-14
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Onity Group Inc. (FL)

PHH mortgage responded to our previous complaint with information that was untrue such as stating that the modification application process was delayed due to a change in the account holders employment. None of this has been the case. We have been attempting to resume payments on our loan through this loan modification application for the better part of this year. Following our previous complaint, we were told to submit our bank statements yet again, we complied by the requested due date and received a letter yet again stating that we had not submitted our documents. We called, confirmed that they had in fact been received and were told to submit these documents yet again ( as we have for the last 4 consecutive months ). We need assistance as PHH is not being honest about their treatment of us as customers or their inability to honestly process our application and documents.
Consumer complaint received 2023-05-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (TX)

I kept recieving calls from this collector I told them over the phone and over mail to not call or try to communicate with me in any way they continued to attempt to I need for yall to verify and validate this collection Innacurate account please verify with accuracy XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-14
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

XX/XX/2023 XX/XX/2023 Cap One Na Reported an inquiry on my XXXX and XXXX report that I did not authorize. I am filing this complaint so this can be fixed and removed immediately Thanks
Consumer complaint received 2023-04-11
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: EQUIFAX, INC. (LA)

I will seek legal action against all major credit bureaus, I am fully aware of my laws as a consumer and I will enforce these laws to the fullest possible extent. The fair credit reporting act states that information shall not be reported without my given consent. It also states that information in my report shall not be given to any employer without my given consent and both of these rights have been violated. 

The accounts in reference are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX These accounts are not my accounts, they have been illegally reported on my credit report and also to an employer on my behalf without my consent. 

These accounts should be deleted immediately or legal action will be taken, I should be notified in writing of the outcome of this investigation.
Consumer complaint received 2023-11-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

I received a notice that I was put in collections for a utility bill by Transworld services. The bill is for a XXXX TX address and I live in XXXX XXXX TX. I have never owned a property or lived in XXXX TX. They told me they would investigate but when I call for an update they say they are still investigating.
Consumer complaint received 2023-11-14
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. (MI)

I have no knowledge of hard inquiries on my report. 



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
Consumer complaint received 2023-04-11
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (NY)

I recently accessed my credit report, I am panicking. My XXXXedit score has dipped drastically. I checked my credit report and it shows my student loans listed twice! One for AidVantage and one for XXXX. I was told my loan was transferred but it is showing up for both. 
How can I fix this? I can not even get approved for a car loan now. 
Please help
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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
Consumer complaint received 2023-11-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (VA)

Mohela still has not addressed the problem that there should not have been a separate forgiveness process for subsidized and unsubsidized loans. Both loans originated the exact same date, with the exact same loans. Mohela responded that they received the okay from FSA for one of the loans to be forgiven but not the other. 

Here is the text of the response : Our records indicate that as of this writing, MOHELA has not yet received confirmation from FSA that the subsidized portion of your loan may be forgiven through PSLF. Please note that the evaluation for PSLF forgiveness eligibility is completed on a sequence-by-sequence basis, and one portion of a Direct Consolidation Loan may receive this determination before another. 
As of XXXX XXXX XXXXXXXX MOHELA escalated your concern to FSA for a review and determination of the remaining portion of your loans eligibility for forgiveness. MOHELA is unable to expedite or determine the timeframe necessary for this evaluation, but anticipates that this FSA review will take approximately 90 days. Upon receiving confirmation from FSA of any additional PSLF eligibility, we will update your account accordingly to reflect the provided. 

If this is the case, then a complaint also needs to be made against the Federal Student Aid portion of the US government, and Mohela needs to be able to also hold the federal government accountable for not empowering Mohela to do its job in a timely and correct manner. 

There is no reason for there to be separate timelines on forgiveness when the consolidation for all loans occurred at the same time.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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

Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2024-04-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TapTap Send Inc. (TN)

On XX/XX/year>, I sent money transfer of {$2000.00} through Taptap send to my sister for medical help in XXXX XXXX which was to be received the same day. I did not get any confirmation response from the company so I called to verify and I was told they were having some technical issues with their partner in XXXX and therefore will send an email confirmation after the transaction is complete and that I can not cancel until all transaction complete. I called my bank and informed them about it but was told they had already made the transfer and all I can do was to wait. On the XXXX of XX/XX/year>, both my sister and I received an email that the money was ready for pickup with the transaction PIN number. My sister visited her bank five time and was told there's no record of any transfer to her account from Taptap send. I called the company again and was told the case is under investigation for a refund since my sister accidentally gave me her old account number. Just can't understand why it should take that long to get my refund back and need your help
Consumer complaint received 2023-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

capital one is charging interest as soon as the purchase is made, rather than waiting to see if the bill is paid for the purchase by the due date. they say they can do this because there is a balance carrying over to the next cycle. however, the balance they describe are really just new purchases in the new billing cycle. this has resulted in me paying hundreds in interest for purchases that were paid on time according to their billing cycle. they refuse to refund. 
capital one is charging interest as soon as the purchase is made, rather than waiting to see if the bill is paid for the purchase by the due date. they say they can do this because there is a balance carrying over to the next cycle. however, the balance they describe are really just new purchases in the new billing cycle. this has resulted in me paying hundreds in interest for purchases that were paid on time according to their billing cycle. they refuse to refund.
Consumer complaint received 2023-11-14
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. (NM)

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

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 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc. (NC)

I have noticed the company that I am a victim of identity theft and someone has used my SSN for personal gain and I have still yet to get proof legally this belongs to me. I have no knowledge of this account and this needs to be removed from my credit files. I contacted National Credit Systems and was told they are a debt agency. This is not a credit transaction and I need proof of this debt showing I am reliable. I asked for purchase agreement and my drivers license, the representative hung up on me. My next step is consulting with an attorney because it is illegal, and the deceptive business practices will not be pushed under the rug.
Consumer complaint received 2023-11-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: GOLDMAN SACHS BANK USA (TX)

The Greensky program settlement administrator is not following consent order file # XXXX. I was supposedly mailed a redress payment of over {$44000.00} but i did not receive it.

Greensky program settlement administrator has verified I was issued a check ( void after 90 days ) over a year ago, that it was not processed, and I am to receive a new check. That was established XX/XX/2023 and now as of XX/XX/2023 a check has still not been sent to me. I have been checking with the settlement administrator by email and phone and have been repeatedly told they are not " cutting '' new checks yet. 
It sure appears to me to be stall tactics. How long does it take to have a check cut? 
I have searched CFPB website and called several times but have been unable to find what department ensures consent orders are followed by the respondent. 
PLEASE HELP!!
Consumer complaint received 2023-05-02
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: BROKER SOLUTIONS, INC. (UT)

On XX/XX/2023, I received notification via the XXXX app that I had two new hard inquiries from two different mortgage companies. I did not inquire with either company. Here is the info I have : 1. XXXX XXXX XXXX XXXX  XXXX inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm concerned this may be fraud, and that these hard inquiries will negatively affect my credit score.
Consumer complaint received 2024-04-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY (SC)

In XXXX I attempted to catch up on my mortgage payments. I called Wellsfargo to get the total amount to catch the payment completed up. I was told {$1700.00} would catch me up. I sent the payment in within mins of the phone call. Months go by and I'm and I'm still showing 3 months rolling late. They can't explain what happen with my payment. I filled for XXXX XXXXXXXX XXXX XXXX to save my home. Wellsfargo told the court that I now owed them over {$3500.00} past mortgage and late fees. I felt helpless and robbed. Worst company ever.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (IL)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 SECTION 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-05-05
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. (FL)

XXXX 2 LATE PAYMENTS Account number : XXXX comments : Never been Late XXXX XXXX Original creditor : XXXX XXXX account number : XXXX balance : {$3800.00} comments : this is not mine
Consumer complaint received 2023-04-20
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. (MI)

As I looked into my credit report, I found that part of the data was inaccurate. The 3 credit Bureaus must verify these accounts ' authenticity in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Without providing proof within the allowed time frame, it is unacceptable to classify these reporting accounts as unverified information. Sections 611 ( a ) and 609 ( a ) ( 1 ) ( A ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$340.00}, XXXX XXXX XXXX Balance : {$41000.00}, XXXX XXXX XXXX Balance : {$1600.00}, XXXX XXXX XXXX Balance : {$5000.00}, XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-11-14
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: 21ST MORTGAGE CORP. (SC)

Ive already put in a complaint with the XXXX about 21st mortgage trying to collect a full payment of XXXX for XXXX mortgage payment. They had already received a. Default payment of XXXX and have cashed the check. They receive payments by check in mail and cash every single one. No notice my payment was short XXXX dollars before sending a notice about repossession of my home. I have no issue paying the amount I was short but they want the full payment for the month. When confronted with this issue through the XXXX  they closed all contact with me through them. I had to put to complaints in for them to finally respond to the second and sent proof of them cashing the check for my mortgage payment. I am in the process of finding a lawyer for their illegal activities. The attached files are from my mothers checking account. I dont have checks so she sends them in for me.
Consumer complaint received 2023-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.