davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

On XX/XX/22, I received a credit alert by email from usa.Experian.com I attempted to login to my account to see what was going on but could not login. The login stated that my credentials were incorrect. This was the fourth time that I had reset my username and password. ( I have had this account for almost a year, as it was advertised on television as " Experian XXXX '' and have never had any problems and have been pleased with their help and support. However, in creating this account, it is named under usa.experian.com which then leads to the main Experian website. ) Login problems have just begun within the last few days. As this had been my 4th attempt at resetting my username and password, at XXXX p.m. on XX/XX/22, I decided to just call usa.experian.com at XXXX. When I called ( option " other membership '' ), I spoke with Experian representative, XXXX. XXXX helped me once more to change my username, password and create new security credentials for the 5th time. I even requested that XXXX remain on the phone while I logged in and out using my new credentials to ensure that my new credentials were working so that I would not have to go through this again. 
On XX/XX/22, XXXX p.m., I received another credit alert by email. When I attempted to login to my account to view my credit report, I could not login. I called usa.experian.com again and spoke with representative XXXX. While I was speaking with XXXX, the phone suddenly hung up. I called back and this time spoke with XXXX. I again explained what happened previously with XXXX, went on to further explain about my login problems and then requested technical help for my login. XXXX responded that there was no technical help available and that I would have to reset my credentials again as I only had the basic membership plan. She went on further to say that if I purchased another higher rated membership plan to freeze my account, that my account would be fully protected. So, I then told XXXX that it sounded as if my credit account was being tampered with to force me, as a consumer, to purchase another higher rated protection plan -- which I can not afford right now. I thought that this was a bad and unethical business practice by Experian and told her so. This did not seem to phase her at all. In the meanwhile, I have attempted to get into my account and it has been blocked from further attempts to login.
Consumer complaint received 2022-04-22
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. (GA)

In accordance to the Fair Credit Reporting Act, the following accounts has violated my rights : -XXXX XXXX XXXX : account number XXXXXXXX XXXX XXXX XXXX account number XXXX XXXX5 U.S. Code 1681 section 602 ( a ) states that I have the right to privacy. 15 U.S. Code 1681 section 604 ( a ) section 2 states a consumer reporting agency can not furnish your account without written instructions.
Consumer complaint received 2022-04-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

I have not been updated on the status of public service loan repayment application. I am XXXX XXXX military. More than two months after I submitted the application, I called for an update because the application status isnt listed on the website. As I type this, Ive been on hold for more than XXXX minutes. Im on XXXX XXXX and my baby is napping so Ive had the time. But now hes waking up and I still dont have an answer. What do people at work do to stay on hold this long? Why isnt the information I need available online and easily accessible?
Consumer complaint received 2022-04-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

I used PayPal to buy a painting from a company that turned out to be fraudulent. Through email the company agreed to the refund but PayPal refuses to process and is keeping both the refunded amount and the original payment.
Consumer complaint received 2023-02-23
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2022-04-22
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. (TX)

In accordance with the Fair Reporting XXXX XXXX account # XXXX and # XXXX. Also XXXX. XXXX. XXXX account # XXXX and XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

XXXX5 U.S.C. 1681 section 602 A. States I have a 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 2022-04-22
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-22
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-22
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ekimoto & Morris, a Hawaii Limited Liability Law Company (UT)

Property Jointly Owned on XXXX, Hawaii since XXXX. In XXXX and XXXX was a Presidential Declared Disaster Area due to XXXX Hurricane and XXXX Flooding. In XXXX and XXXX CARES/COVID. 

Further to compound things the other individual XXXX XXXX XXXX '' filed XXXX XXXX Bankruptcy which was XXXX on XX/XX/XXXX leaving me solely obligated. 

Have requested full Payoff info from the HOA XXXX XXXX XXXX XXXX XXXX XXXX + The Club at XXXX XXXX XXXX ' ) - the amounts in default. Only received XXXX, it's been 11 business days and still waiting for XXXX Payoff Amounts. Also had question to HOA ( XXXX ) about maximum yearly interest that is chargable as 30 % of XXXX is interest. I can not get answer on this. This is not a loan- it is HOA. This is not my main concern but secondary. 

My main concern on both is that even though XXXX sent in XXXX XXXX Discharge info and FED Form 108 to XXXX to XXXX XXXX XXXX XXXX XXXX, and also to XXXX at XXXX XXXX XXXX XXXX XXXX XXXX and to XXXX Real Tax XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX none have updated their records and all still show him as an obligator. This makes funding a payoff difficult as 3 years later after discharge I can not do anything with his name on with these parties and on the title. Attached are the US BANKRUPTCY court documents showing notice and showing the approved discharge on XX/XX/XXXX. Please update your records so I can continue to move to avoid foreclosure!
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (FL)

XXXX XXXX was done on XX/XX/2020 at the dealership. 

Recently I looked at a copy of my credit report and noticed an incorrect account. I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate this item for me to ensure accuracy.

Here is the item I am asking you to verify as reporting accurately : 1. AM HONDA FIN XXXX  After your investigation is complete, please send me the results via mail.

Thank you in advance.
Consumer complaint received 2022-04-22
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: U.S. BANCORP (SC)

Got a phone notification that I had applied for credit with Elan Financial Service, and have not. Called them and they said that they will canceled the application and for me to contact this web site to stop this from happing again.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX is appearing under my credit score however I do not own this account. I did not open this account. I requested this account be closed or removed from my credit report. Issue remains unresolved. XXXX XXXX customer support was contacted on XX/XX/ they found no records unable to find using my name date of birth nor social. This must be removed from my credit report.
Consumer complaint received 2022-04-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (NV)

As far back as XX/XX/2021, I've been writing to XXXX XXXX for information about this debt with NO response ( see attached letters with fax confirmations ). I even asked the bureau to investigate the account, and they didn't respond to me either. When it comes to collection agencies and credit bureaus... one lies, and the other ones swear by it! Six months has been long enough. I want this account deleted!
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I DID NOT AUTHORIZE OR NOR CONSENT TO THE FOLLOWING INQUIRIES BEING FURNISHED ON MY CONSUMER REPORTS! 
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 2022-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (FL)

On XX/XX/2021 I was XXXX in XXXX XXXX fl and on XXXX XXXX my unemployment from FL Deo was deposited into my account. One deposit of {$2700.00} at XXXX & the other of {$5100.00} at XXXX. When I got XXXX  all my belongings where in my car which got towed and someone got access to my phone and my Chime account. When I got Released on XXXX XXXX I no longer had my phone nor phone number and I tried to reach out to Chime but then they locked my account for almost 3 weeks. I was finally able to access my Account which was at a {$0.00} balance. I went to dispute all transactions from XXXX XXXX to XXXX XXXX because at the time I was XXXX and could not have made any of them transactions nor did I give anyone permission to access my Account. When I went to dispute the Transactions A Chime member said that someone already disputed them transactions back in XX/XX/2021. I told Chime that it was not me and that I wanted to start a new dispute but they wouldn't. They said I had to do a rebuttal. I tried disputing them transactions at least 3 to 4 times and sent all the documents Stating I was XXXX  at the time but Chime will not help me at all and they keep saying that there was not an issue so I will Not receive any Refund. I have all the emails to & from Chime. I've tried getting my Unemployment money because I really needed that money and someone stole it from me. Yes I got XXXX but that doesn't mean It was OK with someone stealing my money. I have spent so many long hours on the phone with Chime and so many emails to them getting absolutely no where. I feel like they are discriminating against me because I got XXXX and I was XXXX. I would like this Issue to be taken care of and for Chime to do the Right thing and refund me my unemployment money that I waited so long for.
Consumer complaint received 2022-04-22
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. (MD)

I noticed some fraudulent inquiries on my credit report that I did not authorize. Please remove them immediately. I am someone who has taken take of my credit very well I take my credit very seriously.
Consumer complaint received 2022-04-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BMO Bank, N.A. (UT)

Property Jointly Owned on XXXX, Hawaii since XXXX. In XXXX and XXXX was a Presidential Declared Disaster Area due to XXXX Hurricane and XXXX Flooding. In XXXX and XXXX CARES/COVID. 

Further to compound things the other individual XXXX XXXX XXXX '' filed XXXX XXXX Bankruptcy which was XXXX on XX/XX/XXXX leaving me solely obligated. 

My main concern on both is that even though XXXX sent in Chap XXXX Discharge info and FED Form XXXX to XXXXXXXX XXXX XXXXx XXXX XXXX XXXX XXXX and to XXXX bank XXXX XXXX XXXX XXXX XXXX - none have updated their records and all still show him as an obligator. This makes funding a payoff difficult as 3 years later after discharge I can not do anything with his name on loan and title. 

We ran a preliminary title report and the State hasn't updated the Deed/Title removing his name either. See schedule J of his filed documents and discharge info sent to them on XX/XX/XXXX from US BANKRUPTCY COURTS. Attached are the US BANKRUPTCY court documents showing notice and showing the approved discharge on XX/XX/XXXX. Please update your records so I can continue to move to avoid foreclosure!
Consumer complaint received 2022-04-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Round Up Ventures, L.P. (FL)

XX/XX/21 amount financed was {$2000.00} 198.30 % APR would make total paid {$8100.00}. I am really struggling to make payments but am up to date so far. I believe I have made XXXX payments of {$150.00} bringing my total paid already to {$2300.00} so they have already made their money off of me.
Consumer complaint received 2022-04-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (NJ)

In XXXX, I refinanced my mortgage. In XXXX, I owed a payment to XXXX XXXX. I mailed that payment but XXXX XXXX applied it to the wrong account somehow. In XXXX my loan was sold to XXXX XXXX. I sent them a check in the mail and they sent correspondence saying that I still owed a payment. The XXXX payment to XXXX XXXX and the XXXX payment to XXXX  XXXX both cleared my bank. At that point loan care said that they wire transferred the payment to XXXX XXXX. I had written confirmation on XX/XX/XXXX that the payment was transferred. In XXXX, my loan was sold again and this time to XXXX XXXX XXXX. XXXXXXXX XXXX  reported that one payment was still missing and it was reported to my credit report so I sent them a double payment in the month of XXXX. Despite numerous emails back-and-forth and many hours on the phone, none of these three companies is crediting me for that payment. 

My name is XXXX XXXX and my phone number is XXXX. Please help!
Consumer complaint received 2024-04-08
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lendmark Financial Services (GA)

I sent a Affadavit of Cease and Desist to Lendmark on XX/XX/2024 as well as a Affidavit of Demand for Verification of Debt on XX/XX/2024 signed and notarized for both Affidavits letting Lendmark know to send me the ORIGINAL CONTRACT BEARING MY WET INK SIGNITURE NOT A COPY as well as a Affadavit of Cease and Desist letting them know not to contact me by phone anymore the paperwork was sent off certified mail on XX/XX/2024 ( XXXX ) Lendmark ignored my cease and desist and contacted me via phone again on XX/XX/2024
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

I am reopening a case with Chase executive office to help fix my credit report information. Chase closed all my credit cards on XX/XX/XXXX and I have accepted this. I had a large tax refund and I recently paid off all my business and personal Chase credit cards except one. I am asking the Chase executive office team to update my personal credit report as a result of the multiple Chase credit card account closures. My credit score has been negatively impacted by Chase reporting " account closed by credit grantor '' to the credit bureaus. Seeking a good faith resolution to update my credit reporting information by Chase. Otherwise, I would need to submit a credit card dispute form by a credit repair agency. However, I am seeking a good faith resolution with the Chase executive office team.
Consumer complaint received 2015-03-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, National Association (TX)

Filed an insurance claim on Homeowners for a plumbing leak on pool equipment which failed my pool deck. begin bid process XXXX 2014, submited to insurance which paid immediatly. Portion of funds went to NYCB, submitted all necessary documentation to NYCB, scheduled work to begin after a month of phone calls NYCB finally sent XXXX draw of 3k on 26k project, minimum XXXX draw requested by contractor is 30 %, weeks went by along with several phone calls and letters. contractor showed up to schedule and recieve XXXX draw, and rejected amount submitted by NYCB and declaired thier company wishes to not do business with me in fear of payment delays by my mortgage co, NYCB! Here we are in XXXX, XXXX months later and work is still not in progress, NYCB still controlling and dictating disbursement amounts for work to be completed. every call made, all you recieve is a different story, a request for different needs and or request of missing documentation. In speeking with my insurance company, they also have never had dealings with such a poor managed institution. We are not in risk of missing the window of oppertunity in the sale of our home, all due to the neglect an unethical business practices within NYCB. 
32k project today as opposed to the 26k a few months back, is expected to take 4 days from start to finish, NYCB request multiple inspections throughout process which i welcome, the 16k in which NYCB now holds in only half of what is required for this project, i am unable to submit supliment to insurance untill NYCB pays out the XXXX, this being said my family will end up paying more Out of pocket for an extendended amount of time all due to NYCB practices. Loss draft dept, is well trained at apoligizing and under trained in processes. why do i say this, because everyone you speak to tell you something different. NYCB is so behind time, they do not offer byweekly payments allow customers to pay down there note. choose wisely before considering NYCB
Consumer complaint received 2016-05-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (GA)

When I made the first payment, I paid the regular monthly payment and in the line clearly marked additional principal, I wrote in {$75.00} to be taken off the principal. When I received the next months bill, they had taken that {$75.00} payment intended for the principal off the next payment. When I called them, several times, they said it was taken off the principal which was clearly a lie. They record the conversation on their end, but refuse to talk to me when I told them I am recording the conversation for my protection