davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality USC 1681 Account : XXXXXXXX XXXX XXXX XXXX XXXX Account : XXXX # XXXX has violated my rights. 

15 USC 1681 section 602 A States I have the right to privacy 15 USC 1681 Section 602 A It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 USC 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 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting act theses XXXX accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX 

Rights Violations : 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 2022-10-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Google Compare Credit Cards Inc. (OR)

I recently purchased the new Google XXXX XXXX XXXX and after attempting to add my XXXX account, it wouldn't allow me to and then I opened a support request. I then got an email stating they suspended my account for suspicious activity and need me to upload documents. I've uploaded the requested documents and continuously recieve an email stating the documents couldn't be verified. I've attempted multiple times to get help and no one will help me. I've submitted the documents in accordance with their requests and made sure the information was clear and legible. I'm including the documents they requested.
Consumer complaint received 2023-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2021 payment was not reflected and shows missed! Ive had the card for 4 years and not missed a payment! I called customer service and they agree the payment would be cleared! Its not fixed!
Consumer complaint received 2023-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ALLY FINANCIAL INC. (ND)

Ollo credit card company let XXXX take total of {$210.00} I never had a XXXX account I had to call XXXX and got them to refund my money back but Ollo card services say they didnt Ive bin fighting with both of them sense XXXX
Consumer complaint received 2023-02-18
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. (GA)

My information was used to open accounts without my knowlegde or conscent. 
Idenity theft occured with several accounts reflecting on my credit report. All accounts should be closed and removed from my report. I have POLICE REPORT to substantiate my claim. This is a violation of my rights and all accounts must be removed!
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

XXXX XXXX XXXXXXXX XXXX Late Payment {$0.00} XXXX  XXXX Late Payment {$0.00} XXXX XXXX XXXX XXXX XXXX Collection {$1900.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Collection {$960.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Collection {$2100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Collection {$1100.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$690.00} XXXX  XXXX Collection {$690.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Collection {$720.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX {$1300.00} XXXX  XXXX XXXX Charge-off {$680.00} XXXX XXXX  XXXX Charge-off {$840.00} XXXX XXXX XXXX XXXXXXXX Charge-off {$16.00} Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.
Consumer complaint received 2024-05-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (OH)

Loans were purchased from XXXX. Thousands of students were scammed by XXXX into taking out predatory private loans to attend fXXXX XXXX XXXX  schools such as the one I attended, The XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. As a matter of fact, The XXXX XXXX and their Parent company, XXXX were investigated by the attorneys general of several states and have been found to have acted in a fraudulent manner. Because of the numerous claims of fraud and misconduct perpetrated by The XXXX XXXX, the Biden administration has just announced a blanket discharge for anyone enrolled at XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. My Federal loans ( Distributed and Repaid amounts Attached in XXXX  ) XXXX and my credit repaired. I am aware that XXXX was sued by XXXX state AGs regarding their predatory loans to attend these XXXX XXXX  schools and that XXXX XXXX were a " preferred '' lending company in a " deal '' with these schools during the early XXXX 's. These private loans with a high risk of default were part of a package deal offered to " XXXX XXXX schools, '' but loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for XXXX, but what a sham of a settlement deal for the rest of the borrowers scammed into taking loans to at least XXXX XXXX XXXX XXXX schools. After the XXXX settlement, didn't XXXX also get out of the XXXX student loan business due to scrutiny from lawmakers and borrower advocates? Didn't XXXX have to pay restitution to the XXXX student loan borrowers for not informing students of XXXX XXXX students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't XXXX been sued at least a half dozen times for other predatory loan practices and illegal collection practices? I am also aware of a " pilot '' program by which XXXX is sending out " applications '' to select students who may have filed XXXX XXXX claims against their schools and were approved. This application is a sham. Why do we need to prove anything? XXXX knows who we are. Under the FTC " XXXX XXXX '' XXXX is liable for giving predatory loans in connection with XXXX XXXX  schools. Time is running out for XXXX to do right by students who were scammed into taking out private loans to attend XXXX XXXX XXXX colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. XXXX XXXX XXXX has sent a letter to XXXX 's CEO ( Attached ) asking to discharge these loans NOW! It's time XXXX do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW!
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GATEWAY FIRST BANK (TX)

GAteway Mortgage group has repeatedly reported historical information incorrectly to the Credit Bureaus THis has caused me irrecoverable harm. I have missed the oppurtunity to purchase a new home because of the Errors on the part of Gateway Mortgage group currently it is showing over 120 days past due however this home was foreclosed in XXXX of 2019, 4 years ago
Consumer complaint received 2022-11-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, I submitted a police report stating clearly that an account with Bank Of American had been opened back in XXXX without my consent and is still showing on my XXXX XXXX report. I submitted this police report to XXXX XXXX and it is notated on the report by the police officer that this account was opened without my consent. XXXX XXXX  refused to remove the charged off checking/ savings account because the police report was filed too long after the incident. However, I have previously submitted a dispute to XXXX XXXX in XXXX and they refused to remove it without a police report. They said that if I obtained this police report that it would result in removal. The account is clearly not mine according to the evidence gathered and booked by the police officer as stated In the police report. I need this account removed.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I have a fraud alert on my credit reports, and I asked all three reporting agencies to remove the following inquiries that came in result of the fraud but up to now they have not, Here are the inquiries XXXX XXXX on XXXX, XXXX XXXXXXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX on XXXX, XXXX on XX/XX/23, XXXX on XX/XX/23, XXXX XXXX on XX/XX/23, XXXX XXXX XX/XX/23, XXXX on XX/XX/23, XXXX  on XX/XX/23, XXXX on XXXX XXXX, Experian and XXXX continues to report this false information and I will have to invoice each one of the reporting agencies if they remove this false information ASAP. This my fourth attempt to protect my credit.
Consumer complaint received 2023-11-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Onity Group Inc. (CA)

I had family issues and COVIDS issues which caused me to ask for COVID assistance to get my finances in order and to help elderly parents. I asked for one last extension with PHH but was not told that I exhausted the COVID relief benefits. However, PHH really didn't harrass me other than asking for documentation for the modification. I submitted all the financial documents and asked that I resume payments on the XXXX of XXXX. I attempted to make a payment on the XXXX of XXXX only to be told that at the moment, all prior payments needed to be made in order to make a payment. Meanwhile, a notice of default was sent to me. My understanding was that I was not obligated to make payments while the modification was in process. When I rang about not being able to make a payment, I was told that the modification was denied yet no one communicated that to me via email or in writing. A week later, I did receive the denied of modification. One reason was that the mortgage load was greater than 90 days delinquent and the investor did not allow modifications. Why on earth was the paperwork and application requested then? Such incompetence. PHH calls and never leaves messages even though time after time again, they have been told to leave messages. I was assured that they always do-which they don't. Also, they can email me adverts but never can they email me documents such as the modification denial. I'm very frustrated with PHH. I was told that I have to wait to talk to my relationship manager to divide the 4 months payments up over twelve months to include with my monthly mortgage payment. However, nothing can be done until the " program '' is approved by the relationship manager. I can not talk to the relationship manager until the end of XXXX. Is PHH trying to force me into foreclosure? I feel like that. I'm simply trying to resume paying my monthly mortgage payment and roll in the miss payments back into the loan. Everything-processing, call center, etc. is in XXXX. They do not seem responsive. They still call occasionally and do not leave messages. I do not feel like I'm getting the complete picture with PHH. Since the modification was denied, why didn't the letter give me payment options so I could resume making my monthly payment? Why wasn't it emailed? I'm just over PHH.
Consumer complaint received 2024-05-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (TX)

I sent {$290.00} via Western Union on XX/XX/2024 as a loan to a friend and I later found out this was a scam. I called Western Union within 5 minutes of the transaction to request a cancelation and refund of the money and refused to do so because the scammers had picked up the money already. I have been on the phone with Western Union for over a hour, talked to several representatives and they all keep telling me that they are sorry but I will not be getting my money back.
Consumer complaint received 2023-08-14
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: REGIONS FINANCIAL CORPORATION (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TN)

i have 2 collections on my credit report that are not mine 1 is XXXX XXXX XXXX and the other one is XXXX XXXX XXXX it was opened on XX/XX/XXXX and the other one was opened XXXX XXXX XXXX  The amounts is {$420.00} and the other one is {XXXX
Consumer complaint received 2021-03-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (FL)

I have tried to get a hold of an agent at my mortgage company, Amerihome Mortgage for the past two days, having made over 10 calls and waited on hold for over 3 hours collectively without being able to speak with one of their representatives.

All I needed to do is update my bank account on autopay because my old account is no longer active and my payments keep getting rejected. I called in XXXX to add the new account and remove the old bank account, which still hasn't been done. As a result, my last two payments have been late and I've been incurring late fees because the system won't stop drawing from my old bank account. I even tried to do this online through their website, and the system showed an error and directed me to call in instead, so the issue is still unresolved months later. 

Needless to say, I am absolutely furious about this experience. I've been doing all I can to be make my payments on time, even setting it up automatically, yet I am still having issues and getting assessed late fees due to no fault of my own. The fact it is so difficult to speak with someone to resolve the issue is baffling and something needs to be done about this company 's lack of customer service.
Consumer complaint received 2023-09-29
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. (PA)

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

XXXXXXXX XXXX XXXX XXXXXXXX Late Payment {$0.00} XXXX  XXXX Late Payment {$0.00} XXXX XXXX XXXX XXXX XXXX Collection {$1900.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Collection {$960.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Collection {$2100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Collection {$1100.00} XXXX XXXX  XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$690.00} XXXX  XXXX Collection {$690.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Collection {$720.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX {$1300.00} XXXX  XXXX XXXX Charge-off {$680.00} XXXX  XXXX  XXXX Charge-off {$840.00} XXXX XXXX XXXX XXXXXXXX Charge-off {$16.00} Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.
Consumer complaint received 2024-05-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO. (PA)

In accordance with the Fair Credit Reporting Act this creditor violated my rights under 15 USC 1681 section XXXX states that I have the right to privacy ( 15 USC 1681 section XXXX section XXXX ). It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I ordered a my XXXX report and noticed a unauthorized hard inquiry from Capital One on XX/XX/2023. Prior to applying for a credit card with Capital One, I called and spoke to a representative. I was informed that a soft inquiry would be ran. I explained that I wanted to verify before applying because I don't want any hard inquires ran. I was reassured that it would not be hard. I was shocked when I viewed my XXXX report to see that it was a hard inquiry. A soft inquiry was authorized only The credit card that I applied for was a business credit card and I provided my business 's ein number. My personal SSN number should have only been used to verify my identity
Consumer complaint received 2023-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc (MA)

CHIME credit card that I never applied for. also note- I have my credit freeze at all 3 credit reporting agencies XXXX received email from Chime subject line " your completed direct deposit form attached '' XXXX email from Chime subject line " Your Chime Visa Debit Card on its way '' XXXX email from Chime " action required : activate features I received a physical Chime Debit Visa card on XX/XX/13 Please help me cancel this card- I do not want to contact their customer service as I do not want to give them my personal information
Consumer complaint received 2022-10-19
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. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-06
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL)

Status on the transfer that was done at a XXXX Location. Money was transferred on XX/XX/XXXX, I was supposed to receive by XX/XX/XXXX, today is XX/XX/XXXX and I still have not received the money or received a new update regarding when I would actually receive the money.