davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MO)

Storm damage to the property in XXXX of XXXX, led to an insurance claim. The proceeds from the claim check needed to be signed by the mortgage company Carrington Mortgage, and they KEPT THE CHECK. There was a second check cut, the first was for XXXX XXXX and XXXX XXXX XXXX  the second was for over a XXXXXXXX XXXX due to MORE DAMAGE done at to claim due to lack of repairs. This check too was kept by Carrington saying, " ... .because we have a financial interest in the property, we need to monitor the repair process. '' However, with no money down, and no action on their part to pick a contractor that falls to me, and I couldn't find a contractor since I have no money to put half down to get started. Eventually, we found XXXX XXXX, who kindly agreed to send all of the paperwork requested by Carrington Mortgage. Bids, Insurance, licenses, all sorts of stuff were delivered, and Carrington admitted in a phone call last week that they had all of the material they needed since XX/XX/XXXX. They said they needed 5 days. That was two weeks ago. I was told yesterday the XXXX, that they may have made a XXXX XXXX XXXX withdraw from the account, as if, that would equal anything!!! It's not half of anything, it's not all of anything, it's a random amount that gets nothing done, like the process they've been monitoring for 10 months. I want ALL THE MONEY to hire or fire whom ever I want to get my roof fixed. Carrington Mortgage is interfering with the contractual completion of my insurance policy by usurping the construction process and denying me my promised contractual proceeds in response to a covered properties damage as defined and assessed by an accredited agent of the company, XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-09-02
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (NY)

I opted to purchase my lease from ally bank in XXXX of XXXX XX/XX/XXXX ally cashed the check submitted by XXXX XXXX XXXXXXXX XXXX who I had sign a lease buy out loan with for XXXX. There was a cosigner on the lease who they stated they couldn't get in contact with. Towards the end of XXXX, XXXX XXXX called me asking for the cosigners contact information who was on the original lease agreement which was completed satisfied at the time of purchase. He stated that if they can not contact the cosignerfrom the lease that they will process without paperwork and if they had any issues, they would contact me. During the second week of XXXX, I received a notarized letter from Ally Bank stating that the lease had been satisfied and they no longer hold any interest for the XXXX XXXX. I've been paying the new lien holders on time and since the end of XXXX. during the end of XXXX, I began to get calls in regards to the XXXX from and a different numberthan ally had called me prior. They stated that they wanted to know what I was doing with the vehicle. They asked if I was interested in purchasing the car or am I planning on returning the XXXX. I proceeded to tell them that I had already purchased the car in XXXX. The person I spoke with seemed confused as to what was talking about. After few more calls pertaining to the same issue an employee who called said they will have upper management look into this matter and that someone would reach out to me. On XX/XX/XXXX my car was repossessed by ally bank. When I called them to see what was going on they stated that they refunded me the money on XX/XX/XXXX which my ally online account did not reflect that statement. I stated that I had a notarized letter from them stating they hold no interest in the vehicle. The voice recording have of the conversation has the person stating that the letterwas sent a mistake and that they will not return the car which was paid for by the new lending institution. The person stated that they will not return the car. I contacted the redemption department to see how I could retrieve me car and they said I had {$0.00} balance which he never saw before. He said he escaladed the case to upper management that would contact me within 24 to 48 hours on XX/XX/XXXX. Monday XX/XX/XXXX came, and I didn't hearback from anyone. I called the redemption department on the XXXX and they stated they left a notation on the account to have management contact me. XXXX also stated that nothing would happen with the car because I was disputing the Repo. I received a call 30 minutes later stating that the car was sold and that there's nothing I could do to get the car back which I purchased on XX/XX/2022, with a new lender. He stated the Car was already sold to an auction house.
Consumer complaint received 2022-09-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BALANCED HEALTHCARE RECEIVABLES, LLC (NY)

I have been paying the invoice to XXXX monthly. On XX/XX/2022 I received an updated statement of my account that states the last payment I made was XX/XX/2022. On XX/XX/2022 I received collection notice for the balance. I want this off my credit as I have been making regular payments for this bill and when I went to make my regular payment the system denied me. The system never allowed to set up a payment plan as other medical systems allow.
Consumer complaint received 2018-11-24
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. (WI)

Can't XXXX Was Notified that they are not reporting to Equifax four months ago and still not reporting and reporting the wrong payment on account
Consumer complaint received 2023-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (PA)

I have tried for almost 2 years to get PSLF from my federal student loan provider and have been unsuccessful. This all occurred after my student loan provider switched to MOHELA.

I have submitted forms multiple times throughout the 2 years without any approval, or communication about why it has not been approved. I qualify for forgiveness and they will not give it to me for some reason.

I can not stand dealing with MOHELA anymore. I am a resident physician who works at a nonprofit. I have worked at a nonprofit hospital for 3 years now. There is no reason I should not be approved right away for PSLF.

Every time I try to communicate with the company I never get through or hear back. They never give me explanations on why I am not approved for PSLF. 
I attached my most recent PSLF form below.
Consumer complaint received 2022-09-02
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. (MI)

I check my credit report and seen some unauthorized inquiries. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Delete this account below is a copy of my police report proving Im a victim of other Id theft as well from other companies Im Not able to make a policemans report about this cause its been over 6 months XXXX XXXX XXXX  capitol one 360 XXXX XXXX  and XXXX XXXX  all are reporting I have opened accounts with them on cheksystems which is not true my identity has been stolen XXXX XXXX already confirmed I never opened a account with them in 2016 now are saying I opened another account with them I never had a bank account with any of these Institutions I am a victim Of Other fraud credit cards being opened in my name my social Security and drivers license card were stolen these are police reports from Other companies to prove I am a victim Of Id theft the cops wod not allow me to make a police report for the banks cause its been over 6 months I dont live in XXXX XXXX never did yet its under my social
Consumer complaint received 2019-01-31
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: Experian Information Solutions Inc. (FL)

I am writing of complaint about Experian Credit Unions failure to delete an inaccurate, adverse account from my credit report. The account I am disputing is XXXX XXXX XXXX associated with account number XXXX. I do not recognize or owe the said balance on this account. The balance listed on this account is INCORRECT. Experian has also failed to substantiate that the account is mine. Experian is are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. Experian also has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, Experian has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA Experian is required to promptly DELETE all information which can not be verified. I am requesting that Experian delete this unverifiable account immediately from my credit report.
Consumer complaint received 2019-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I have disputed a 90 day late payment being reported on my XXXX XXXX account # XXXX for XX/XX/XXXX with XXXX, XXXX XXXX, and Experian on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time they have come back and stated that they verified it as accurate. I was in an approved financial forbearance during the time that the delinquency is reporting. I have attached the documentation, so how are they verifying this entry as accurate?
Consumer complaint received 2019-01-21
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: SYNCHRONY FINANCIAL (NY)

My credit report shows 7 hard inquiries to my credit by synchrony. I have never given written, signed or verbal consent to this company to do a hard inquirly to my credit. 
syncb/XXXX- XX/XX/XXXX and XX/XX/XXXX syncb/walmart-XX/XX/XXXX and XX/XX/XXXX syncb/gap-XX/XX/XXXX syncb/ppextr-XXXX syncb-XX/XX/XXXX I also have 2 hard inquiries by a company named XXXX that I have never given written or verbal consent to do a hard inquirie into my credit. 
XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX
Consumer complaint received 2021-08-22
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: Experian Information Solutions Inc. (AZ)

I have sent out Identity theft packets to all 3 credit bureaus they have not blocked my information that I deemed fraudulent on my account.Bc by law all credit reporting agencies Must block any information deemed fraudulent by the consumer within 4 business days of receiving their identity theft Report. They have failed to do so this is my 3rd time sending them my packet with the information deemed fraudulent a most recent packet got delivered to all 3 on XXXX I have yet to see those accounts come off my report.I NEED THESE DELETED NOW!!!!!
Consumer complaint received 2023-01-26
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. (MI)

XXXX XXXX parked two accounts on my consumer report without mailing or calling me I gave them my address cause they had the wrong address I never lived at XXXX XXXX XXXX this impacted my insurance my credit card accounts and the refinancing of my house 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. As a consumer I have the right to opt out and Im exercising my right to do so.
Consumer complaint received 2019-09-17
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: HSBC NORTH AMERICA HOLDINGS INC. (TX)

I received an invitation from HSBC US to apply for a credit card in the mail. I completed the application online. My application was approved. This happened XX/XX/2019. 
I got my credit card XX/XX/2019 and managed to log in on HSBC 's website to view my account. 
On XX/XX/2019 I received balance transfer checks in the mail. 

However, I can not use the card, because I didn't receive a PIN number from the bank. HSBC claim they can not verify my identity. I have spent 8 hours calling and chatting the bank with no result. 
I emailed HSBC 's fraud department a copy of my drivers license XX/XX/2019 and again XX/XX/2019 ( this time from XXXX office ). 
Absolutely no response. 

Why is this bank allowed to commit this kind of deception in the US?
Consumer complaint received 2019-01-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (GA)

I sold a fitness smartwatch on XXXX. the watch was delivered on the XX/XX/XXXX. pay pal is holding the funds and refuses to release the funds. I provided tracking information in regards to the items delivery. please help
Consumer complaint received 2019-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I wanted to get a free copy of my credit report online via the XXXX site. I went online and chose TransUnion as the company from whom I wanted the report. During the identity verification process, one of the questions was structured as follows : Which of these people lives in or owns property in Texas? 
a ) Unfamiliar name ... 
b ) Unfamiliar name with surname same as mine ... 
c ) Unfamiliar name ... 
d ) Unfamiliar name ... 
e ) None of the above. 

Now, Texas is a big state. While I don't personally know that any of these people live in or reside in Texas, I'd be willing to bet that somebody with each of those names lives there and/or owns property there. So, I can't choose any of the names provided because I don't know for sure, and I also can't correctly or truthfully choose " none of the above, '' because it's likely that one or more people with those names DO live/own property in Texas. 

There was another similar question which I don't remember. After being denied my credit report, I called TransUnion and complained about the format of these questions, i.e. that they can not be accurately and truthfully answered as written. The TransUnion people were unhelpful, insisting that the questions are generated by " the system '' and that the correct answer would be " none of the above '' because " obviously none of the other choices apply to you. '' I don't think that's good enough. Because of the poor wording of the questions, I was denied an online copy of my own credit information, and now must wait for a copy in the mail, an inconvenience for me. I assume there are others in the same boat. 

Moreover, I feel strongly that for something as important as an identity verification for a credit report, sloppy wording of questions should not be allowed. A person should not have to " fudge '' their answer just to get a copy of their own information. What other sloppiness exists over at TransUnion? There have been many stories in the news about poor handling of consumer data. This type of question, and the HelpLine employees ' tone-deaf response, only reinforce the notion that the credit reporting companies don't really care about protecting the data of the consumers whose information they collect and mine for profit. Aren't there minimum standards for handling of consumer data? 

Thank you for your attention to my complaint.
Consumer complaint received 2019-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (NV)

Identify was stolen I provided XXXX  XXXX  XXXX  with the police report. XXXX XXXX XXXX   verified that they received the report and would remove the charge off. The credit agencies are still showing the charge off.
Consumer complaint received 2022-07-12
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: EQUIFAX, INC. (PA)

I applied for an auto loan and was under the impression there would only be 1 inquiry produced from it. However, it produced many inquiries on different dates and times. These are the companies listed below : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX XXXX US SM BUS ADMIN ODA XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CXXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2019-01-31
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. (FL)

I have contacted these bureaus to remove these unauthorized inquiries that I don't recognize and I didn't authorize. They are not cooperating with me and the inquiries still remain.
Consumer complaint received 2019-01-31
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO. (CA)

CHASE BANK is violating my privacy preferences. I have opted out of prescreen offers of credit at all the credit bureaus. I have opted out of receiving marketing material from companies that I do not do business with. For companies that I do business with I have selected all opt-out choices they make available. Do Not EVERYTHING me. CHASE continually sends me endless marketing materials and offers that I do not want them to receive. This indicates CHASE is not abiding by my privacy preferences. I would like them to stop sending me mail whether or not they use my name or " Our Neighbor '' I do not want to receive mail from this company. They are not checking the FTC do not solicit list, they are not checking the DMA opt-out database and they are not checking the credit bureau pre-screen opt out database. I want mail from this company to stop immediately.
Consumer complaint received 2019-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I sent documents to transunion to investigate the alleged student loan debt from XXXX on my credit report. I told transunion to provide me with an original contract with my signature from XXXX that shows proof that I'm responsible to pay an alleged student loan debt. Transunion responded with a letter stating that my address is out dated. I demand XXXX be deleted from my credit report immediately.
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I initially opened a secured credit card with a {$600.00} credit limit with XXXX XXXX. After having the account open for a few years, I noticed that my account had been closed. 

The final few months of 2018 reflected that of inaccurate information received by XXXX XXXX. As a result, there continue to be a total of XXXX " charge off '' statuses for each month from Experian. 

I have requested documentation showing fees, etc but have failed to receive any documentation and my attempts to resolve this have been unsuccessful. 

The {$600.00} security deposit that I placed for this secured credit card was also not applied to any balance that I essentially had upon account closure. 

The total balance of {$1600.00} from XXXX XXXX which Experian reflects as a charge off has several inaccuracies that reflect on my credit file as a result of fees, other non disclosed terms & conditions as well as accured charges that were not disclosed in the initial cardholder agreement. 

Experian has allowed XXXX XXXX to report this account as a regular credit card. This was a secured credit card and it does not state that on my Experian file. The terms of this alone require Experian to remove this from my file in it's entirety due to inaccurate reporting.