davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-27
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. (TX)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-05-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (WA)

I have been trying to pay my mortgage since XX/XX/XXXX. Each time I try I am always a little short and they wont take what I have. I got a 2nd job and worked to get the money to get caught up. When I did it was just in foreclosure. I asked for a reinstatement they said they would send it in 3 to 5 days. I didn't get anything. I had to call several times and basically beg for them to email it to me. I got it and it said I needed to pay XXXX I talked to my account rep and told her that I had the money and it was in 2 different accounts. She said that was fine to send 2 payments as long as both of them got there by the date. I sent one for {$2000.00} and one for {$5700.00} {$2000.00} was XXXX XXXX  which was one of the options and the other a wire transfer directly from my bank. They returned the XXXX so I called they said to send it again and it would be fine. I did that and they returned it again. I called on Tues XX/XX/XXXX and was told they would send the XXXX back immediately and for me to send the whole amount. Which I would do except it is Friday and Monday is a holiday. They have promised me on 3 occasions that someone would call me back and nobody has. Its always 24 hours for a call back. I don't have 24 hours now. I just talked to someone and they have not even returned the XXXX yet however expect me to pay it by XX/XX/XXXX. They are now charging me a XXXX attorney fee and that is not right. I had the money to them when they wanted it.
Consumer complaint received 2022-05-16
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: Experian Information Solutions Inc. (CA)

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so.Please investigate my disputes.please.Thank you.
Consumer complaint received 2022-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (WA)

I used my XXXX credit card through PayPal. I took up a dispute with PayPal and they closed the case and denied it so I can not reopen it. I was charged {$77.00} for a scam website offering XXXX shoes for sale. The website claimed to be selling XXXX brand shoes, it was called XXXX but when you hit complete payment it turned into a company with all XXXX lettering for the payment source. You can no longer find the website online. I did not receive my package as well, so I know now it was definitely a scam. My package said it arrived on XXXX through XXXX XXXX. Also this company XXXX XXXX XXXX XXXX won't respond to my emails. The emails won't go through which another source they are a company committing fraud. PayPal has been completely unhelpful to give me a refund.
Consumer complaint received 2021-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST NATIONAL BANK OF OMAHA (OH)

On XX/XX/XXXX I applied for a Consumer Credit Card and a XXXX Credit Card. I was instantly approved on XX/XX/XXXX for the consumer card with a {$11000.00} limit. 7 days later i was denied for a XXXX XXXX. I spoked with XXXX on XX/XX/XXXX who advised me that the XXXX XXXX couldn't be approved. He also advised, he was going to submit my application for a personal card back up for review. I activated my card on XX/XX/XXXX and tried to use it on XX/XX/XXXX. Now i am unable to use my card, login online to see my account. I asked XXXX, since I am denied a business card, does this have any bearing on my personal card and he stated " no ". That was a lie. he straight up committed retaliation. How can you instantly approve me for a personal credit card and then play these childish games. I plan on taking taking court action against, XXXX, the underwriter who retaliated against me. I have contacted XXXX to file a complaint. I will also be filing a lawsuit against the bank, XXXX, for defamation of character, and making or assuming false assumptions. The underwriter, XXXX, I will file a lawsuit against him for defamation of character. There was absolute no reason whatsoever to display this kind of behavior or actions on my account. Every time I reach out to the fraud dept or the XXXX dept. I am always told that my account is in review and respond with " I dont know " They wont answer any of my questions and ignore what i say. They will repeat in circles and stay vague. I will also sue the bank, FNBO for tarnishing or damaging my credit report on all XXXX credit bureaus. This has been the worst overall experience i have ever encountered with a creditor.
Consumer complaint received 2019-12-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Professional Finance Company, Inc. (CO)

Professional finance has on multiple occasions inundated my personal phone with harassing phone calls in an attempt to collect, so much so that I have had to change my number multiple times to get it to stop.

XX/XX/XXXX-143 calls for two different collections balancesXX/XX/XXXX-87 calls for two different collections balancesXX/XX/XXXX- <25 calls for two different collections balances
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: General Information Services, Inc (AR)

XX/XX/XXXX : apprehended speeding XX/XX/XXXX : hired by USPS. 
XX/XX/XXXX : fired by USPS via XXXX background check, warrant for my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX : Unaware of the XXXX XXXX to which I did appear in court XX/XX/XXXX ), I went to sheriff 's office and reset another court date that the judge ended by relinquishing, and removing concurrent fines. 

Because of an error on the local court district 's side, I have lost XXXX XXXX since XX/XX/XXXX. 
I have tried to establish a new business relationship with the USPS ( Postmaster wants me back anyhow ) yet every time for the past year now I have been refused ( 8 times, after copying social security number, driver 's license, and tax forms ) because XXXX  keeps popping up a warrant ( that doesn't appear on my report ) that doesn't exist since XX/XX/XXXX. 

I will be filing another report of grievance concerning a misdemeanor that XXXX will not let go, even though it has been sealed for the past eight months.
Consumer complaint received 2022-05-27
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 credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-05-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (FL)

They are not accepting my payments. They accepted payment, and then reversed it. I am currently 55 days behind and have XXXX more payments scheduled, but they are a frad company with lots of hits for scams. They are going to try to scam me and they need to be stopped. I have no clue why they reversed my payment. The funds are in my account. They should have payment now made last week, but still show as not paid. The don't accept XXXX, so my online bank has to mail a check which has been done and then I have to wait for them to deposit said check which they have not done. They are a scam. My loan was recently transferred to them, I did not ask for this. I only owe XXXX on my home and do not need this aggravation. Shut this scam company down before they hurt more good people.
Consumer complaint received 2022-05-27
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX Account/Reference # 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 2022-05-27
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX XXXXXXXX XXXX Account/Reference # 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 2022-05-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I complained to CFPB and Bank of America did not adequately address all of my outlined issues. My previous complaint number was XXXX. Bank of America charged me a totally different interest rate from XXXX. I also disagree with Bank of America 's response and they should adjust my rate to XXXX XXXX as I remember.
Consumer complaint received 2024-02-27
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: PNC Bank N.A. (OR)

I am trying to get a short term forbearance due to a divorce. 
I am divorced. My divorce decree required I pay this mortgage for 4 years. The 4 years is up and the exwife must now sell the house. I have plenty of money to pay additional monthly payments, but I will not. Continued payments will be a waste of money. I only want to preserve my credit while the house is being sold. According to the PNC website : https : //www.pnc.comXXXX " To initiate a short-term hardship assistance option ( generally means the hardship will be resolved within 6 months ), the request must be made by calling XXXX. There is no documentation or form required to initiate this payment assistance option, but you must call us to request and determine eligibility. '' After I started the process, they are requiring tons of bank statements, paystubs, tax info, asset info. None of these are required for this short term forbearance. I have tried calling them twice, I am left on hold for nearly 2 hours and then hung up on. Voicemails to my single point of contact are not returned.
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (OH)

Pretaining to 15usc1681e Section b ( Accuracy of report ) it states that Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates Since my last complaint the company stated that there was in fact a change to the account but as shown what they are reporting is still inaccurate. You cant maintain maximum accuracy with incorrect items still being used therefore i am demanding this information to be removed from my credit profile immediately
Consumer complaint received 2022-05-27
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: EQUIFAX, INC. (MI)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-05-27
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. (MI)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-05-27
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: Experian Information Solutions Inc. (MS)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (PA)

Hello My Names XXXX XXXX I Need Help Filing A Complaint On Chime For A Dispute That Keeps Getting Denied For No Reason I Am A Victim And I'm Not getting no help at all my bank account is empty and I have kids to feed bills to pay and cars to drive So what happened was I Just Got Out Of XXXX XXXXXX/XX/XXXX My Chime Account Wasn't Active The Whole Time I Was In XXXX So I Got My First Job In XXXX And Decided To Choose Chime For My Direct Deposit Since I Was Referred. I Don't Check My Account Alot Because I Don't Like to waste money on petty things so I know what I spend and don't. I went to a XXXX XXXX to buy some food and my card got declined so when I checked my transactions log there's multiple duplicated Charges From A Website I Haven't Used For Over A Year And Not Since I've Been To XXXX. I never signed up for no trials no subscriptions I never gave XXXX any permission to charge my account multiple times. I only used XXXX  once and that was to play a bet on XX/XX/XXXX. I showed my bank all the transactions told them the last time I used the service and I even have a XXXX XXXX XXXX saying this happened in error and still no help as of XX/XX/XXXX.
Consumer complaint received 2022-05-27
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX is furnishing a closed negative account that the debt collection company could not validate after several request. 

XXXX changed this Item from a collection to closed in XXXX of XXXX without providing me with validation I requested on XX/XX/XXXX and again on XX/XX/XXXX. 

I also have emails where XXXX and there affiliates violate 15 U.S. Code 1692a ( 4 ) by intentionally misrepresenting themselves as a creditor I owe when I've never done any business dealings nor have been extending any line of credit with them. 

They have been giving close to XXXX months to investigate and reinvestigate, and to produce records confirming this item is accurate and complete but have failed to do so. 

Under 1681i 5 ( a ) XXXX is required to promptly delete this item, not just close it.
Consumer complaint received 2022-05-27
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. (FL)

In acordance with the Fair Credit reporting act XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 also states a consumer reporting agency can not furnish account information without my written instructions
Consumer complaint received 2022-05-27
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: Experian Information Solutions Inc. (TX)

FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On XXXX until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX