davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-06
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. (SC)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$22000.00}, XXXX  XXXX Balance : {$24000.00}, XXXX  XXXX Balance : {$22000.00}
Consumer complaint received 2023-04-11
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: EQUIFAX, INC. (IN)

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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 2021-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Brown and Joseph, Ltd (NC)

Brown & Joseph, LLC has sent numerous notices requesting payment for an insurance policy that has been cancelled with the XXXX XXXX XXXX and has been confirmed cancelled with nothing owed by both XXXX and our insurance agent, XXXX. We have provided that information to Brown & Joseph on numerous occasions, yet there communications and requests for payment not owed persist.
Consumer complaint received 2024-06-03
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: Affirm Holdings, Inc (MD)

Merchandise has been returned via XXXX ( shows up on my account as returned ) but Affirm still takes money out of my checking. Organization still refuses to remove an old phone number that I dont have or know. Therefore, Affirm wont discuss the stop payment problem and continues to take my money for merchandise I dont have.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX has the wrong information up for me for public view and wrong relatives that I dont know and my name is also wrong also someone keep going on my credit report and changing things without my consent
Consumer complaint received 2023-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

A Bank Of America card has tried to be open multiple times under my name. I have not applied for any Bank of America Credit Cards. Ive received letters regarding the attempts to open these credit cards. I have called my local county police and made a report and also spoken to Bank Of America. Recently I received mail regarding an XXXX XXXX XXXX account that was open under my name as well that I did not open. I followed up with the police and XXXX XXXX XXXX  as well to report Identity Theft.
Consumer complaint received 2015-05-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NV)

I faxed an MIP Cancellation Request to Nationstar Mortgage on XXXX XXXX, 2015. I have been trying to call to confirm they have received the fax. I am unable to reach anyone in the company. I have called several times only to get automated transfers that consistently ask me for my personal information, only to hang up on me. I can not reach anyone in the Corporation.
Consumer complaint received 2017-01-27
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (NJ)

My mortgage servicer Selene Finance has refused to consider or review any options to save my home from foreclosure and I am facing auction next week due to their actions. I have owned my home for nearly 10 years and made a down payment of {$170000.00} at the time of purchase. I later refinanced into a government insured FHA loan and had no issue making the monthly payments until I was the victim of fraud in XX/XX/2013. Someone was able to gain access to my bank account and stole all of my money. This created a snowball effect, and soon I was drowning in debt and unable to keep up with my mortgage payment. I have tried repeatedly to resolve this matter but have made no headway. This is devastating ; I have a good job ( worked as a XXXX for 13 years ) and make enough money to afford a fair payment. The issue is that once I fell behind that no one gave me a chance to resolve this matter and the delinquency continued to increase. 

At that time my loan was with XXXX and I tried to begin the process to resolve my delinquency and be reviewed and qualified for a loan modification or forbearance agreement or a partial claim program. It was very difficult to make any progress and just when it seemed that I was making some headway the loan was transferred to XXXX. I went through the same process with XXXX, poor communication, lost documents, denied access to government programs, etc. and then again when it seemed that I was getting somewhere the loan was transferred to Selene Finance. The entire time my delinquent amount continued to increase and put me into a deeper hole. 

I have tried to engage with the agents at Selene Finance in order to get a review initiated. At first they acted like they did not even know they were holding my loan -- later it seemed that they were just disinterested. I have been told that Selene Finance accepted XXXX of dollars in government bailout money and is REQUIRED to conduct reviews of my current and correct financial information in order to assess eligibility for retention programs. Additionally, this is a government insured loan and I believe they are violating all protocol and procedure by failing to give me an opportunity to resolve this issue. I have a good job and have enough income to afford a reasonable payment, but was a victim of fraud and theft and need Selene to work with me. 

I ca n't believe that I am in this situation. I want to pay, I can afford to pay, and it is so disappointing that being the victim of a crime has put me in a position where I am going to lose my house along with the {$170000.00} I have invested in the home.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

Recently, I did an investigation on my credit report and found several items in there to be inaccurate. I Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general it, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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. Please remove the following items from my credit report, immediately : several incorrect addresses and names
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

Equifax still will not allow me to login to their website. The only option it seems is to call them, but lets say that hypothetically I was a hearing impaired person. Would the fact that the only method they provide to me be a phone call ( no email or chat support at all ) not be in clear violation of my rights?
Consumer complaint received 2022-11-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

XXXX XXXX XXXX I made a transfer on MoneyGram application to send money to my bank account in XXXX. I waited and today XXXX XXXX I called MoneyGram to see about my transfer due to the receipt says 1 4 days for the money to be available. They ask me all of my IDs info and then tell me that my money is on hold, and they can't cancel the transaction because I only had 30 min to cancelled. And that there is nothing they could do. I tried dealing with them to deposit my money either I the XXXX XXXX or the XXXX XXXX And they said I have to wait 4 days for my money. I am XXXXXXXX XXXX XXXX XXXX of my XXXX XXXX pay. I have to pay late fees for the money I owed in XXXX and I don't have the money for them to keep my {$1000.00} until they return it.
Consumer complaint received 2023-05-25
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX 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 2023-03-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (VA)

Exactly how long is Mohela going to have on a prerecorded message that, " due to unprecedented student loan volume ''. At some point it just takes a long time to reach customer service, there is no extraordinary event 2 years always happening, this is normal. 

Customer service reps are poorly trained. I get hung up on, passed around. I get zero assurance and professionalism when I call into Mohela. This servicer needs to improve or another one needs to be obtained.
Consumer complaint received 2021-01-14
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

I recently obtained a copy of my credit report and noticed some discrepancies. I immediately contacted the companies involved. On XX/XX/2021 I requested validation of the debt letter. This item showed up on my credit report and does not belong to me. I am disputing with your company & credit bureau. I asked them to either fully provide proof of and validate the debt or remove it from my credit file. My information was compromised and there are inaccurate accounts on my credit file.
Consumer complaint received 2022-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (MT)

I have been on workers comp payments since XXXX XXXX and I have bank account with us bank relia card witch was set up by the state workers comp. My complaint is I am supposed to received two monthly payments on the XXXX of month and on or around the XXXX and it supposed to be loaded on my card by XXXX XXXX XXXX I check my account and the money is never in my account by the time supposed to be I contact my claim specialist at works comp they inform me that the money has been sent to the bank and it show that the bank has received my funds but when I contact the bank they say they don't the funds. My complaint is us bank relia card is hold funds that they are not allowed to hold some time it takes up 3 to 4 hours before they release the funds. Today XX/XX/XXXX my workers comp specialist informed me today has XXXX people contacting her that the funds have been held
Consumer complaint received 2020-12-14
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: Experian Information Solutions Inc. (IL)

Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!
Consumer complaint received 2018-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There was a public record on my report that was inaccurate so I disputed the accuracy of the report. XXXX confirmed that they verified through the creditor that the information was correct. 

I wrote the court to ask how they verify information with the credit bureaus. They said that they do n't. 

I sent this info back to XXXX and asked for their method of verification. 

They confirmed they gathered the information from a 3rd party XXXX. 

I wrote to XXXX to ask how they verified the information. They wrote me back and said they HAVE NOT been able to verify it and have removed it from their records. 

I sent this information back to XXXX and they still have not removed the inaccurate information.
Consumer complaint received 2018-01-03
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: Experian Information Solutions Inc. (CA)

I am having an issue with the listed banks that I only want to do pre qualification. Their websites concluded this however they were illegitimate and unlawfully used as inquires. I have tried countlessly to explain to these companies customer service, via mail and phone. However, I would just be put on hold for hours, not respond and they would not help as well as take care of the negative inquiries reported on my credit report. These are the following. 

XXXX XXXX XXXX XXXX XXXX, XXXX Bank Credit Cards XXXX XXXX XXXXXXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX, XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY XXXX XXXXXXXX XXXX, XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX Retail, Not Elsewhere Classified XXXX XXXX XXXX XXXX XXXX, CO XXXX BYMAILONLY XXXX XXXX XXXX XXXX, XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX ( XXXX ) XXXX
Consumer complaint received 2024-02-29
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: NAVY FEDERAL CREDIT UNION (NV)

My account was reported as late even though the account was paid the day of. It was paid {$500.00} on XX/XX/XXXX. This was reported to credit unions and my score went down tremendously. I would like this late payment unreported, thank you.
Consumer complaint received 2020-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

I have contacted Bank of America 6-7 times about overdraft fees.I get paid by paper check threw US mail, due to COVID everything has been backed up and I fully understand this. 
Bank of America has changed allot of its banking methods no longer can you access your funds until next business day even if you deposit in person, my check was on hold from when I deposited it on XX/XX/XXXX until after XXXX on the second of XXXX. 
I've been banking with them for years, same check for last 4 years into same account. 
I was charged overdraft fees for the following XXXX XXXX - {$35.00} XXXX XXXX - {$35.00} x4 XXXX XXXX - {$35.00} XXXX XXXX - {$35.00} XXXX XXXX - {$35.00} XXXX XXXX - {$35.00} x XXXX XXXX XXXX - {$35.00} XXXX XXXX - {$35.00} XXXX XXXX - {$35.00} XXXX XXXX - {$35.00} x XXXX XXXX XXXX - {$35.00} When I called the bank I was told I should of had called sooner, even though I did call and got no help, I explained we are in a middle of a pandemic and i am really struggling and I need help I have XXXX children, I was dismissed.
Consumer complaint received 2018-03-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (IL)

Each time I would contact the Sallie Mae staff about my private student loans, I was told assistance options were not available. 

I was looking for option to consolidate or reduce payments similar to my federal loans. ( consolidated and placed on an income-driven-repayment plan ) My payments with Sallie Mae were roughly {$700.00}, that I was unable to afford based on my take-home pay of roughly $ 25K. 

Therefore I was not making payments on my loans since repayment options were not available. My loans have now gone into default. 

I have been dealing with a rather patronizing account manager who again told me that dropping my payments are not an option. Even though I told him a reduced payment of {$300.00} is not feasible with my pay. He explained that I needed to provide him the dollar amount and not assume he would provide me with a number. 

My cosigner is involved in this serious matter and I hope to rectify it, and not have this tarnish his life as much as it is effecting mine.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXXXXXX a collection company is reporting a balance from XXXX XXXX for the amount of {$2800.00}. This debt isn't valid and is apart of my loan forgiveness. Please remove this information so my true credit history can be reflected.
Consumer complaint received 2023-04-18
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. (AR)

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. 

XXXX XXXX XXXX  : ACCT # XXXX, XXXX XXXX PHY : ACCT # XXXX, XXXX XXXX XXXX : ACCT # XXXX, XXXX : ACCT # 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 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 ante
dates 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 2023-06-09
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. (TX)

I am requesting an investigation of my credit report. The accounts reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following accounts on the credit report are incorrect. 
XXXX XXXX XXXX Balance : {$6900.00}, XXXX XXXX XXXX Balance : {$6800.00}, XXXX  XXXX Balance : {$0.00},
Consumer complaint received 2018-01-03
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Blackhawk Network Holdings Inc. (NJ)

Hello I sold my XXXX gift card that was worth XXXX dollars to XXXX. They offered XXXX for it and I accepted. 
I did this online XX/XX/XXXX. To date no word from them it just says pending. Its been 9 days of me waiting. So my gift card is useless now and they refuse to communicate with me. 
They have my bank account information too and now Im worried. They took that gift card and now Im ignored. 
Thank you