davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-27
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: F.H. Cann & Associates, Inc. (DC)

XX/XX/20 : I received a call from FH Cann & Associates at my place of employment. I spoke with the representative and requested that they not contact my job or family. I gave them my telephone number and said they can call me at the number I provided ( vs. my job, my business, family, etc. ) XX/XX/20 : I received a call from FH Cann at XXXX XXXX  on my business line XX/XX/20 : I received a call from FH Cann at XXXX XXXX  on my business line XX/XX/20 : I received a call from FH Cann at XXXX XXXX  on my business line XX/XX/20 : I received a call from FH Cann at XXXX XXXX  on my business line XX/XX/20 : A family member received a call from FH Cann at XXXX XXXX  on their personal line
Consumer complaint received 2020-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XX/XX/2020 opened formal written correspondence certified letters to each credit bureau disputing inaccuracy of each credit balances, hard inquires, derogatory remarks, no late pays and balance due. XXXX XXXX, 2-XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX. Each credit bureau have not responded in a timely fashion dated XX/XX/2020 certified letter via USPS. Attached One dispute letter sent to each credit bureau dated XXXX for reference.
Consumer complaint received 2021-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

My mortgage was sold to PHH Mortgage. They refuse to send statements, tax documents, or any documentation of my mortgage. They refuse to give me online access to my account. Each time I call to discuss the issue I am told a special agent needs to help me, that they are not available, and that the agent will transfer me to their voicemail. I called today XX/XX/XXXX and was told the same thing. They refuse to give me written notices of what I owe and why. I need help as they refuse to work with me.
Consumer complaint received 2020-03-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc. (MD)

In 2017, I was taken to ER in an ambulance for a XXXX XXXX  injury - I was unable to move from the a lying position. I was released 3 hours later, many months later ( I moved so I did nit receive ANY notice in the mail ) I noticed on my credit report that I was in fact charged for the ambulance ride, given that I am a % XXXX XXXX XXXX XXXX wounded XXXX Veteran ambulance charges should in fact be included and fully paid for by the VA. Also it should be noted I notified the VA the same day I was released of the Ambulance ride. Now 3 years later and many many calls to the VA and the DEBT collector ( Aargon Agency Inc XXXX XXXX ) no one is helping and all they do is tell me to call someone else! they are fully aware they are just giving me the run around and this should not even be an issue given I am a % XXXX XXXX vet who was XXXX in the war and the VA states they DO cover these bills. I have a credit report that I disputed and under accuracy it reads * The payment history/rating is incorrect, the account is settled * and yet it is STILL ON MY CREDIT AS DEROGATORY. I am XXXX years old and living in a house that is contaminated with dangerous levels of black mold that is making me sick and I can not get approved for even a small home loan even though I have $ XXXX   monthly income due to this error and 3 other bills from the VA that are incorrectly being reported on my Credit report since VA should be paying all medical bills. Thank you for your time and thank you to the people who made this agency File number XXXX XXXX XXXX SS # XXXX XXXX XXXX AARGON AGENCY INC XXXX XXXX XXXX XXXX XXXX, NV XXXX
Consumer complaint received 2021-03-19
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 (CA)

I PRINT MY CREDIT REPORT FROM XXXX, XXXX AND XXXX, AND IT SHOW A SECURED CREDIT CARD THAT I NEVER APLLIED FOR THIS CARD BELONGS TO BANK OF AMERICA THAT WAS OPENED ON XX/XX/2019, WITH BALANCE OF {$400.00}, THIS DOSENT BELONG TO ME, IM REQUESTING A IVESTIGATION ON THIS REPORT AND I WANT THIS TO BE REMOVED ASAP AND I NEED A COPY OF THIS REPORT SEND ON PAPER TO ME
Consumer complaint received 2020-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (CA)

They sent out emails about updating my income for my repayment plan. I tried to do this on their website to which I received a 404 error, several times and across several days. I emailed customer service for help and even included a screenshot of the error and received no response. I also filled out a form on their website and they did not even read my issue as their response was generic information about the repayment plan. Without further communication from their customer service team my payment went from {$250.00} to {$1700.00}. Additionally, this isn't the first time I've had communication issues with this servicer, their customer service is horrendous. I do my part and pay on time every month. They should do theirs and SERVICE.
Consumer complaint received 2020-03-27
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: Fidelity National Information Services, Inc. (FNIS) (MD)

Over a month ago I disputed multiple items on my chexsystems report. Chexsystems completed their investigation and was able to corroborate my compliant and removed the items in question from my report. They sent me a new report. 

Since then I went back to the credit unions to open my accounts that were previously denied me. Two of those credit unions were able to verify that while I may have a corrected chexsystems report, on their end when they pull the report the same information is still being reported though the chexsystems product named " Qualifile '' Today I was able to verify that information with a third credit union. The credit unions are XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. 

Chexsystems must completely update all of their systems so that the credit unions have the same information that they gave me in a new report on XX/XX/2020 and rescore me based on those changes.
Consumer complaint received 2020-03-13
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: PENTAGON FEDERAL CREDIT UNION (WV)

I bought CD of XXXX XXXX XX/XX/XXXX from PenFed.org to mature XX/XX/XXXX. 
I put all my money after they answered my question ( By Phone ) of penalty if i withdraw earlier will deduct 3 months of interest. 
Knowing the penalty I did not worry till I seriously wants to get some of my money even % 10 and was hit with the decision to deduct around {$53000.00} which equals to % 30 of total interest for the life of the CD ( sent by email ). 
So either I was lied to at time opened the account so they get hold of money or they changed their rule later on.

I do not believe in anyway I signed them to deduct % 30 If we are able to listen to phone conversation at time of opening it should resolve the issue. 

Now my children are going to college and have more expenses I started applying to Banking loans ( XXXX and XXXX XXXX ) because I am not able to use my own or even part of my money!
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

According to the fair Credit Reporting Act 15 USC 1681 section 602, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. XXXX, XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, it is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of it's consumers and to protect the security and confidentially of those consumers non public personal information. The financial institution and the consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX whether it be verbal, non verbal, written, implied or otherwise is revoked. These companies are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that '' A consumer may exercise the right to opt out and at any time. '' I am opting out out of your reporting services.
Consumer complaint received 2020-03-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

During the week of XX/XX/2020, I contacted 53 Bank regarding an email sent by the company about hardship assistance amid the coronavirus pandemic. I called the bank to ask about the possibility of getting a deferment of my payments given that I was separated from my job as a result of the coronavirus crisis. The representative from 53 Bank said they would send documentation to process the request. On XX/XX/2020, I received an email from 53 Bank asking me to sign an agreement regarding my " delinquent account ''. Up until this point, my account has never been delinquent. The document basically states that the only way to not make the upcoming three monthly payments would be to sign a document acknowledging that my account was delinquent, and instead of deferment, I am getting a delinquency extension that could potentially affect my credit history. The document includes a phone line to request assistance, but the line immediately disconnects after it tells you to wait for the next available representative. I have made multiples calls but they are all automatically disconnected. I contacted the main 53 Bank customer service number and they told me they do not know anything about the situation and that if I need help I need to keep calling the line that is basically disconnected. The bank is basically using the financial hardship encountered by people as a result of the pandemic to get them to sign agreements about alleged delinquent accounts that were never delinquent.
Consumer complaint received 2020-03-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IA)

XX/XX/2020 at XXXX XXXX I sent {$63.00} to a pay pal account I thought was going to a woman who told me she had electronic XXXX lock in tickets ( a trampoline park in town that does lock ins for certain ages a few times a year ) She said she had a few that she couldn't use. I offered her a price she accepted she told me to send it via pay pal friends and family. I don't use paypal very often so I asked what the difference was. She said none she just like to use that one. I should have trusted my gut but I didn't and sent it via friends and family and didn't know any different this person told me multiple times they were not going to scam me! Then when I sent the money they said oh it will take 2 hours to deposit to their account. And that they were not going to transfer the tickets to me until then .... Then she deleted me from social account we were on to talk to get the tickets to begin with. So NOW I'M OUT {$63.00} and no way to dispute this??? NOT OK!!!!!! She just worked the system and its not ok! I contacted Paypal to try to cancel the transaction and was told to contact the receiver as they were the only ones who could give a refund at this point. I am beyond myself as a working mom of XXXX boys this is not ok! Now my boys don't get to go at all tonight thanks to this persons need to scam me for {$63.00}!!!!! The persons email address is XXXX name says XXXX XXXX and on XXXX the social media profile we were talking on was XXXX XXXX.
Consumer complaint received 2020-03-27
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. (PA)

I am a recent victim of identity theft. I am a consumer in pursuant of 15 USC 1692-A3. Transunion and XXXX  are in violation of 15 USC 1681 ( B ) ( D ) ( G ), failure to delete requested accounts, names, addresses and inquiries, related to identify theft. Please remove requested accounts, names, addresses and inquiries. AN FTC / Police report was submitted XX/XX/2020 and accounts are still reporting fraudulently. 

XXXX XXXX XXXX/XXXX Account # XXXX Amount {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX Amount {$890.00} XXXX XXXX XXXX  XXXX XXXX Account # XXXX Amount {$0.00} XXXX XXXX  XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX  Account # XXXX Amount {$110.00} XXXX XXXX XXXX XXXX XXXX NV XXXX
Consumer complaint received 2022-08-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2020-03-27
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: EQUIFAX, INC. (LA)

I am in the process of obtaining a residential mortgage. 

On XX/XX/2020 I attempted to unfreeze my Equifax credit history via myequifax.com. I had called Equifax earlier that day for assistance and was advised by their XXXX call center to us myequifax.com to obtain my credit report and to unfreeze my history. I was unable to access the website which displayed a phone number to call. I called the number and the person I spoke with advised me to fax my passport and drivers license with a cover letter to XXXX which I did on XX/XX/XXXX. 

On XX/XX/XXXX I received a letter from Equifax advising I needed to submit copies of my passport and drivers license to verify my identity. I called the XXXX call center who verified receipt of my fax on XX/XX/XXXX and that my identity was confirmed. The representative offered to unfreeze my credit history which I declined instead requested assistance to access myequifax.com. He transferred me to the help desk which I was on hold for over four hours without result. On XX/XX/XXXX I called Equifax at XXXX when they opened and spoke to XXXX who said he was a supervisor in the XXXX call center. He advised they were unable to verify my drivers license copy and that I would need to resubmit my documents. I should note that when I tried to fax on XX/XX/XXXX it took hours as their fax line wasn't working correctly. 

At this point I am hopeful the CFPB can lend assistance as it appears Equifax is running me through a gauntlet as a punitive measure because I have a security freeze. Thank you for any assistance.
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (AZ)

Chase Bank, XXXX XXXX  and XXXX all lied to me and reported late payments on my credit report when they promised not to as I paid off the balances in full. I have the conversations recorded where they said they would not report the payments as late because I was sick qith XXXX  XXXX. All of them then immediately turned around and put a late payment on my credit. Which caused other accounts to do hard pulls on my credit report without my permission or any notice which then further damaged my credit score. 
All of this resulted in XXXX XXXX  and XXXX XXXX  closed my accounts due to my current credit situation, citing a reason that was not a part of the approval process when they approved the credit lines. This did further damage to my credit report. A VERY SIGNIFICANT AMOUNT OF DAMAGE. I own my own buisness and am struggling to to keep it open. Because of all of this no one will lend me a dime and I will be out of buisness before the end of the summer 2022. This completely skewed policy or loophole that allows a lender to close your account because suddenly they are unhappy with my credit score allows them to, subsequently, do a bunch more damage to your score should not be legal. Why is there no one on the side of the consumer? No pathway for recourse? I've tried calling the creditors numerous times to get them to take it off, I've disputed this with all of the mentioned creditors with the big three agencies numerous times. This has single handedly ruined my life and my future. Getting XXXX  for 2 months was not supposed to be met With financial ruin yet here I am before you, the ruined man about to be homeless, lose my company, lose the reputation I've built around my service, and the immense amount of credit building I've been doing the last three years has been all for nothing. Thanks to all the banks and corporations who own our government. Who run our country. Who ruin our country. In the name of their greedy shareholders bottom lines. I am ruined. Please help me.
Consumer complaint received 2023-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  CA XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX I attempted a wire transfer from my Bank of America account to a XXXX savings account. I was called by the Bank of America XXXX department and asked if the transfer was legitimate. I said it was and the call ended. 

On XX/XX/XXXX I was informed that the transfer didn't go through and called Bank of America. I was informed that I would have to do the wire again. I was dissatisfied so I cancelled XXXX of my cards on the call. 

Now on XX/XX/XXXX my online checking account access has been XXXX. I can not access my checking account, I can not access my money. I specifically asked about and was confirmed on XX/XX/XXXX that both my checking account and debit card would remain active.
Consumer complaint received 2020-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OR)

Hi, Ive noticed https : //www.equifax.com/ is offline for half the united states.

Is this because of negligence?

Are you responsible with my financial information and identity records, should you get hacked or compromised?

How can i submit address changes and disputes without the website?
Consumer complaint received 2022-03-24
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX  account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021