davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (OR)

I had mortgage payments deferred from XX/XX/XXXX onward. In XX/XX/XXXX I tried to make a payment to Fay Servicing but they refused my XXXX payment insisting that all deferred payments were dueXXXX XXXX rules for deferments required deferred payments to be moved to the end of the loan if agreement could not be reached by the servicer and the borrower. I did not agree with Fay. In XXXX of XXXX I was diagnosed with a XXXX XXXX XXXX and was contending with XXXX from the XXXX. I received notification from the XXXX XXXX XXXX XXXX that I had missed their deadline to respond. They had tried to reach me by phone but Fay had provided them with an incorrect phone number. I then started working with XXXX a non-profit mortgage counselor, to apply for the Homeowner Assistance Fund program ( HAF ) to repay back mortgage payments. At the end of XXXX I had XXXX to remove the XXXX XXXX and was XXXX  for a week. During XX/XX/XXXX I was heavily medicated following XXXX. In XX/XX/XXXX I continued with my application to HAF. Fay had set a foreclosure sale date of XX/XX/XXXX for my home. I contacted Fay on XX/XX/XXXX and also on the XXXX informing Fay that I was working with HAF. HAF contacted Fay on XX/XX/XXXX asking them to postpone the sale but Fay refused. Fay later claimed they had no third party authorization for HAF but I had provided that to XXXX  on XX/XX/XXXX, and HAF received it on XX/XX/XXXX.
Consumer complaint received 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Avant Holding Company, Inc. ()

I applied for an AVANT CC. They sent me an email that said it was sent. This card was activated and I never received it. I asked for a new one, I still didn't receive it. I have been trying to get them to cancel it and they won't. It is still not activated now, but it has been well over the XXXX weeks you have to wait to file a not received complaint. I don't know what to do. 

It isn't active now but it still saying I have the card. 

Their customer service is horrible as well. They are rude. They don't help and they blame you for the issue. They are from another country as well and don't realize the mail runs on Saturday. 

They just repeat themselves ... " It takes 10-15 days ... '' even thought it has been two months since I originally ordered the first card. Between the CC company failing to get me my card saying they can't overnight it or send express even though I have had to order two and not received them, and their super poor customer service, I don't know how they are in business. Even getting to them through email is impossible. They responded a week later and the email wa just letting me know they received the email. Nothing more. A WEEK LATER! I would stay far far away from AVANT.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Transunion refuses to remove fraudulent accounts and inquires. They send me letters accusing me of lying about this accounts and that they refuse to remove. I have sent them the required documents per the FCRA in order to have these accounts removed and or blocked! Yet they still refuse. Customer service at TransUnion is horrible. Nothing but overseas XXXX  who speak little to no English and don't take my calls and or complaints seriously. It's obvious that it is all about TransUnion getting paid to report. info even if it is indeed proven fraud! The following accounts are the result of ID THEFT and all the supporting documents have been sent in several times! 

1.XXXX  XXXX XXXX Opened XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX XXXXXXXX  XXXX Inquiry : XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX XXXX XXXXXXXX  Inquiry : XXXX XXXX XXXX XXXX XXXXXXXX  XXXX  Inquiry : XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX  Inquiry : XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX XXXXXXXX  XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-01-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST PORTFOLIO SERVICING INC (WA)

I am coming to you with a complaint I have against XXXX and their willful refusal to comply with the law. They have not only refused to come into compliance after being shown what the law says and being provided legal definitions of the terms used within the law, but they are also being dishonest based off of their previous statements. I have included copies of our correspondence as evidence against them. XXXX is reporting my financial transactions to my consumer report which they are forbidden from doing under the law. Posting when an individual has made a payment is reporting an individuals financial transaction. Posting when or how often a transaction is made violates my right to privacy. Under the law a company can only report if a consumer has an open/closed account, an account is in good/bad standing, if an account has been written/charged off or referred/sold to a third party and who that third party is. They can not report when or how often a financial or any other type of transaction is made.
Consumer complaint received 2022-12-16
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX xxxxxxxxxxxx XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear CFPB- Numerous disputes were filed with Transunion for the incorrect reporting of accounts XXXX XXXX XXXX  Acct # XXXX and XXXX XXXX XXXX Acct XXXX XXXX. Multiple disputes have been filed with Transunion and the information has come back verified as belonging to me. 

On XX/XX/23, Transunion sent an updated credit report to my residence with the wrong name listed on the credit report. The above referenced accounts were listed in the credit report as verified and belonging to XXXX XXXX. Unfortunately there is no one by the name of XXXX XXXX residing at my residence. 

We are asking for the alleged verified as accurately reporting and belonging to XXXX XXXX be removed from consumer profile and checks in the amount of XXXX per account and for the duration of how long these unverified accounts have been listed within my consumer profile be removed immediately. 

We expect this to be rectified within 15 days and the checks of {XXXX} each for violations of the FCRA be mailed accordingly. 

This has caused me great harm and has affected my ability to obtain credit at this time. 

Respectfully submitted, XXXX XXXX XXXX
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/XXXX I was a victim of identity theft and someone tried unsuccessfully to apply for a credit card in my name. This was report and fraud alert issued but trans union is not removing the hard inquiry affecting my credit. I never applied for a XXXX XXXX XXXX credit card and I should not have my credit score affected because someone stole my identity.
Consumer complaint received 2023-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I sent a payment to Bank of America for my monthly payment in error on XX/XX/2023. It was meant for XXXXXXXX XXXX I realized this on XX/XX/2023 and inquired how I could get my money back since I always have a XXXX balance on that card. I was told my options were as follows : 1. Visit a branch office and do a cash advance and pay {$110.00} to borrow my own money since I have a {$3500.00} credit balance. I am not borrowing their money.

2. They would transfer the money back to my bank that sent the payment within 10 business days. 

I have yet to receive the transferred amount back in my checking account and the balance on the BOA card went to {$0.00} on XX/XX/2023. 

I called and spoke to a manager that told me they do not have my money and that they can keep it for 30 business days which has now expired.
Consumer complaint received 2022-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (FL)

I have been sending letters to all 3 credit bureaus including you about fraudulent accounts. No one hears me when I say delete these accounts off my credit report immediately. This is XXXX submitting this report. Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i )
Consumer complaint received 2024-03-15
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. (NC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXXXXXX Account Number : XXXX, and so on.
Consumer complaint received 2023-06-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX, I received XXXX calls from the number listed on the official Wells Fargo website ( XXXX ). The first I did not pick up, but when I picked up the second time, the agent claimed my funds were at risk of being stolen. In order to protect them, I immediately needed to wire transfer my money to a secure Wells Fargo account. 

On the same day, I returned a call to Wells Fargo and was informed that the transfer was fraudulent. On that same call, I filed a claim and was told a reverse wire would be requested upon my submission of the claim. 

The fraudulent transaction robbed me of my entire savings and checking accounts. They informed me that the case would would be resolved in XXXX days, and that I would receive a call the evening of the XXXX to discuss the case. I did not receive a call that evening, and I called the number they provided for me ( XXXX ) on XX/XX/XXXX. No one answered. I called again on XX/XX/XXXX and was told that XXXX of my reverse wire transfers was only submitted today ( on XX/XX/XXXX ). My call on this day was transferred back and forth between the Wells Fargo customer service extension and their fraud extension with the intention of receiving more information, but I was told I would need to wait the full XXXX days before receiving more information on my case.
Consumer complaint received 2019-12-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/2019, I ordered a shirt from a website, XXXX, through XXXX which is linked to my debit card. The order # XXXX was placed at XXXX XXXX for {$38.00}. On XX/XX/2019, at XXXX XXXX, I emailed XXXX re : Cancel order # XXXX " Please cancel the above order that I placed on XX/XX/2019. Thank you! '' No response from XXXX to my email. So, on XX/XX/2019 at XXXX XXXX, I emailed XXXX again re : Cancel order # XXXX " Please cancel the above order that I placed on XX/XX/2019. Thank you! '' Still no response from XXXX to today XX/XX/2019. Filed dispute with XXXX on XX/XX/2019 at XXXX XXXX, dispute case # XXXX. On XX/XX/2019, XXXX gave me a provisional credit of {$38.00} pending a final decision with the seller, XXXX XXXX ( XXXX ). On XX/XX/2019 at XXXX XXXX, XXXX denied my case and reversed my provisional credit of {$38.00}, because my billing dispute didn't match their qualification of a billing dispute. (? ) On XX/XX/2019 at XXXX XXXX, filed an appeal against XXXX XXXX   decision due to a lack of updates by XXXX about my order, tracking number, and no product received from them as of today, XX/XX/2019 at XXXX XXXX. Filing this complaint because my 30 days is near ( order date was XX/XX/2019 ) and XXXX did not specify a deadline on when they would have a decision about my appeal.
Consumer complaint received 2023-06-12
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. (CA)

I am writing to request your assistance in removing unauthorized hard inquiries from my credit report. I have the right to privacy under the Fair Credit Reporting Act ( FCRA ) and my rights have been violated multiple times under various USC codes. According to USC 1681b, a credit reporting agency can only provide information to a party with a " legitimate business need '' for the information. However, in my case, I did not give any written permission to the credit reporting agencies, to furnish my accounts to any third party. Additionally, USC 1681g requires that a credit reporting agency must obtain written authorization before releasing any credit report to anyone. In my case, I did not give the credit reporting agencies written authorization to release my credit report to the parties who made these unauthorized hard inquiries. 
Account Name : XXXX XXXX, Account Name : XXXX XXXX, Account Name : XXXX Card, Account Name : XXXX Bank, Account Name : XXXX, Account Name : XXXX Data, Account Name : Capital XXXX, Account Name : XXXX DEPARTMENT OF EDUCATION, Account Name, XXXX XXXX
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Diversified Adjustment Service, Inc. (FL)

Per 15 USC 1681 ( FCRA ), as a Federally protected consumer I have the right to privacy and accurate reporting to my credit profile. I am not liable for a debt with XXXX, nor do I have a contract with DIVERSIFIED ADJ SVC. Upon request I was denied an original contract from DIVERSIFIED ADJ SVC which they failed to provide. I contacted XXXX XXXX and XXXX concerning the matter to verify the accuracy of this reporting which all failed to provide me with sufficient information pertaining to the validity of the inaccurate reporting to my credit profile.
Consumer complaint received 2023-05-25
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. (IL)

There are charged-off accounts being reported on my credit report after I've sent several written letters, most recently on XX/XX/2023, asking that the charged off accounts be deleted entirely from my Credit Report. 

As detailed by the IRS via www.irs.gov- a creditor files a form 1099c ( Cancellation of Debt ) when they charge off a debt greater than {$600.00}. When debt is written off by a creditor, the form 1099c classifies the written off debt as taxable income of the debtor. Thus, these charged off accounts have been added to my taxable income and I have paid taxes on said income. As a result, the 4 charged off accounts on my credit report must be deleted entirely, as they are inaccurately reporting these accounts on my consumer report. 

I have written to the Creditor asking that they provide me with a copy of the 1099c forms for each charge off on my credit report, so that I can forward it to the three Credit Bureaus as proof of the written off amounts being taxable income and I have forwarded the corresponding information to XXXX, Transunion and XXXX, to no avail. I have followed up in writing to the 3 Credit Bureaus and the continue to update it as accurate. My consumer rights are being violated, as they are inaccurately reporting information on my consumer report.
Consumer complaint received 2019-12-03
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Brown and Joseph, Ltd (TX)

Thank you for your time. 
I am XXXX XXXX XXXX an employee with XXXX XXXX  XXXX. 
Address : XXXX XXXX XXXX XXXX, Texas XXXX Phone : XXXX I will try and keep my story short and sweet. 
I was placed on medical leave on XX/XX/XXXX. I had Short term and long term disability Insurance purchased through the XXXX/XXXX XXXX. 
XXXX, XXXX I was notified by the XXXX XXXX XXXX my XXXX was approved. 
I supplied all the information to XXXX XXXX, as well as {$28000.00} out of the XXXX Retirement accrual of {$34000.00} due to me. 

After sending XXXX {$28000.00} they then said I owe them {$57000.00} almost twice what was paid. I feel I thought I owed a little more, however I was advised by the XXXX XXXX XXXX to contact designated legal counsel. I was told there was a decision by the 5th circuit court of appeals to prevent either party from profiting over the XXXX Retirement Board back pay on XXXX, XXXX has not explained how they ended up at the figure they did. I started receiving phone calls from A collection company who left a phone number for a return call at XXXX on XX/XX/XXXX around XXXX XXXX. I received the letter from XXXX on XX/XX/XXXX dated XX/XX/XXXX, and a letter from Brown & Joseph LLC dated XX/XX/XXXX. I was placed into collections when I freely sent in {$28000.00} of which was not mentioned by either company in their desire to profit off what was not paid to me. If you can help please let me know what I need to do.
Consumer complaint received 2023-06-12
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)

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense XXXX and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
Consumer complaint received 2020-09-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: National Credit Services, Inc. (GA)

Hello, I had a 12 month repayment plan with NCS for my XXXX  loans / my checks was being garnished and then I was suppose to make 10 additional monthly payments for student loan forgiveness / now they  sold my student loan to another Company called XXXX. They continue to call me and my grandparents about repayment. And Im wonder why is that
Consumer complaint received 2022-09-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southern Management Systems Inc. (FL)

I am writing to dispute the following information that your company supplied to XXXX, XXXX, and XXXX. 
This item SOUTHERN MANAGEMENT SYSTEM account # : XXXX in the amount of {$2200.00} is inaccurate because Pursuant to Pacific Concrete F.C.U. v. Kauanoe, statements and consumer contract are not sufficient evidence of debt. My rights under the Fair Debt Collection Act Pursuant to 15 U.S. Code 1692g ( a ) have been violated by SOUTHERN MANAGEMENT SYSTEM for failure to provide a dunning letter or any validation of debt prior to attempting to collect. I was not disclosed of my right to dispute this alleged debt Pursuant to 15 U.S. Code 1692g ( a ) ( 4 ). I am demanding that SOUTHERN MANAGEMENT SYSTEM have the account # : XXXX removed from all consumer reports. 

Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed item upon receipt of this notice Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-09-12
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)

I have called and sent in letters to all 3 credit bureaus XXXX, XXXX and TransUnion XX/XX/XXXX and XXXX 2022 by phone, I also sent in dispute letters on XX/XX/XXXX, asking that all incorrect names, addresses, phone numbers, spouse and employers be removed. I have also asked for them to verify accounts that are on my credit report because they aren't my accounts as I have been a victim of identity theft twice. The credit bureaus have failed to do so, and it has hurt me in getting approved for housing and other credit due to inaccurate information being reported. 
They have failed to verify accounts and remove all incorrect information. I have also asked that any correspondence be sent by mail and they have ignored that request.