davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

these items that are being reported on my credit report do not belong to me i have already submitted a police report because i believe i am a victim of identinty theft these listed items are affecting me negatively and making my day to day life hard and moving forward in my life impossible
Consumer complaint received 2023-03-24
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

I received a letter from Chase saying they were closing my account on XX/XX/XXXX. I had signed up for a {$900.00} account bonus in XXXX and was supposed to receive the bonus on XX/XX/XXXX for meeting all the criteria. This was a bait and switch and now they are refusing to give me the bonus and are closing the account.
Consumer complaint received 2019-05-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

To whom this may concern, I have tried to address a tuition reimbursement, after I dropped out from a course with XXXX XXXX XXXX XXXX XXXX, due to work constrains back in XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX processes the withdrawal and provided copy of the ledger page showing refunded amount of {$3200.00}. Based on information from XXXX XXXX, the original Balance was {$3500.00}, and the loan increased up to {$5700.00} as Principal Balance with {$48.00} Unpaid Interest. I have contacted XXXX XXXX several times to review the loan, and I have not received any phone call or e-mail as response to my inquiry. 

I have called XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Federal Student Aid, and The Department of Education, and I have not been able to find any assistance. I either get a number to call one of the agencies named above, or get hanged up. 

XXXX XXXX has stated that they have not received any proof of refund money from FSA. 
I called FSA at XXXX on XX/XX/XXXX. They also said they have not received proof of the refunded funds. They suggested calling the Department of Education at XXXX. From this line, I was transferred to an automatize system that said to call XXXX. Once I called this number I was told to call XXXX or XXXX or XXXX. At this last number, I was told to call XXXX XXXX at XXXX. 

As you can see, I have been going in circles with not success. Every person I speak, they say that they can not do anything and they keep giving me other numbers to call. 

I will appreciate if you can please provide any information to conclude this issue. 

I can provide copy of the Ledger Card and 1098T forms provided by XXXX XXXX XXXX XXXX XXXX, as well as e-mails. 

On XX/XX/XXXX, I filed for forbearance as I became unemployed. As I found myself with more time to review my financial responsibilities, I found out that I was making payments on a loan that is charging interest over interests, and a loan that was supposed to be canceled. 

I will appreciate any assistance you may be able to provide.
Consumer complaint received 2022-12-15
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. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX , FL XXXX ; XXXX XXXX Balance Owed : {$13000.00}.
Consumer complaint received 2016-12-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (OK)

I PURCHASED THIS HYUNDAI XX/XX/XXXX AND MADE PAYMENTS FOR 4 YEARS, FOUGHT WITH THE COMPANY THE ENTIRE TIME, ABOUT PAYMENTS REPORTED LATE EVEN WHEN CALLED IN ON TIME! IF I MAILED IT, IT WOULD BE 60 DAYS LATE! I PAID THIS VEHICLE OFF 4 YEARS AGO, HAVE CERTIFIED MAILED XXXX LETTERS STARTING XX/XX/XXXX TO REMOVE THE NEGATIVE REMARKS FROM MY CREDIT, IT WAS NEVER MARKED DISPUTED UNTIL I WENT THROUGH TRANSUNION TO DISPUTE, THE CREDIT BUREAU THEN MARKED DISPUTED AND IT WAS DENIED AND VERIFIED ... .BY HYUNDAI MOTOR FINANCE BUT THEY COULD NOT PRODUCE THE ORIGINAL CONTRACT OR PAYMENT DATES REQUESTED NUMEROUS TIMES! I HAVE YET TO RECEIVE A RECEIVE A COPY OF THE ORIGINAL CONTRACT AND PAYMENT RECORDS I REQUESTED FROM HYUNDAI MOTOR FINANCE, ONLY XXXX LETTERS BACK ASKING FOR INFO FROM ME AND MY SIGNATURE!! I AM AT A SMALL CLAIMS STAND POINT FOR NON-COMPLIANCE FDCPA Section 807 ( 8 )!!! I HAVE CERTIFIED MAIL SIGNED CERTIFICATION THAT THEY RECEIVED MY LETTERS. ALL I 'M ASKING IS FOR THEM TO DELETE NEGATIVE REPORTS FROM ALL XXXX CREDIT BUREAUS, THEY GOT THEIR MONEY, PAID OFF IN FULL, 2 YEARS EARLY!
Consumer complaint received 2020-02-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (FL)

In XXXX we brought house at XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX. 
In XX/XX/XXXX my husband had a XXXX  XXXX, that left him XXXX on right side and is XXXX I had to take time of from my job to assisted my husband. We did not received any XXXX until 2 years later with no back pay.. 

From that time and until XXXX. We have been struggling with keeping our home under XXXX XXXX XXXX XXXX and Fay Sevicing. We tried to do modifications several times and was denied. 

On XX/XX/XXXX, our home accidentally caught on fire and the house was totally burn down. It took been 2 years and the house is just now starting to be work on. Fay Servicing received full payment from my insurance company.. My constructor XXXX  XXXX  received some of money for Fay Servicing to start Construction on our home. 

In the meantime on XX/XX/XXXX a motion was file to Civil Court to reinstate a sale date. It was filed under a new bank named XXXX XXXX XXXX XXXX as trustee to our home to our home. We were never served a with any correspondents that XXXX XXXX XXXXXXXX was one of parties of interest to the house. We were not served and XXXX XXXX  is requesting a sale date. 

And also if XXXX XXXX  is granted sale date of property in present condition then we would have a huge deficiency judgment left on us. 

For years we have been trying to save our house and to no avail. 
We need help to save our home. 

Thank you for the cooperation in this matter.
Consumer complaint received 2020-02-25
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: OpenRoad Lending (AZ)

I applied for and was declined by Open Road LLC to refinance my vehicle on or about XX/XX/2020 and I received legal notice in the mail I was declined. 
Then I received a call from a XXXX at XXXX XXXX XXXX on XX/XX/2020 @ XXXX XXXX XXXX & XXXX XXXX XXXX stating they received a request to refinance ( which I did NOT submit to them-Open Road did ) and that they needed more info " So we can submit it to our large network of lenders ''. I did not return the call as I had already secured a refinance with a credit union. Then on XX/XX/2020 I received notice from XXXX  that XXXX XXXX @ XXXX XXXX XXXX XXXX, XXXX  Ny ( XXXX XXXX XXXX ) had pulled my credit WITHOUT my authorization. I immediatly called XXXX XXXX XXXX on a hunch and the woman I spoke with today XX/XX/2020 confirmed yes they had give permission to their banks to pull my credit, even though I had NEVER consented to this! I advised do NOT pull anymore credit and pull my application, I do not need their services. I am shocked that someone, especially a refinance broker like XXXX XXXX  would give my sensitive information to their banks to pull my credit with NO permission from me, the consumer. I am also not happy with Open Road LLC selling my sensitive information after declining me as this could lead to fraud. I read the Open Road disclosures which only stated the loan may be provided through them OR their affiliates, not that they would pass my sensitive information on to other 3rd party companies AFTER Open Road LLC declined me!. This is all shady. I want the inquiry removed from my credit and all my information removed from Open Road and ALL of their affiliates files.
Consumer complaint received 2022-09-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Monarch Recovery Holdings, Inc. (CA)

This XXXX XXXX  account has been closed for 3 years why I'm I getting a letter saying I owe them {$220.00} I will not going to paying this amount I lost my job I lost my wife to XXXX I am struggling financially I will not pay please leave me alone
Consumer complaint received 2020-02-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (OR)

Send a payment of {$2000.00} on XX/XX/XXXX for mortgage payment was stuck in a suspense account! why!!!!!!!!!!!!! been on hold with my cousin for an hour and hung up on, called today XX/XX/XXXX transferred to 3 times to same department says call XXXX ext XXXX to call relationship manager XXXX XXXX had an appt today at XXXX california time NO CALL!!!!!!!!!!!!!!!!!!! 1 NEED A SUPERVISOR OR ABOVE! ON HOLD FOR AN HOUR ASKED FOR SUPERVISOR AND NOTHING! COMPLAINT WILL BE SENT WEEKLY UNTIL RESOVED AND WANT AN AMERICAN REP NOT FROM XXXX!
Consumer complaint received 2020-02-25
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. (CA)

I applied for a debt consolidation loan and unfortunately, I did not get approved. I called them to ask why I was denied and they told me that I didn't qualify because there are four accounts with negative history appearing on my credit. I looked through my credit report and sure enough, there are four negative accounts that I never opened. None of these accounts belong to me and I did not give anyone permission to open these accounts using my personal information. In 2013 I lost my wallet at XXXX XXXX XXXX XXXX which had my driver 's license, ID, social security card and my debit card. I did not authorize these companies to have access to my credit file now personal information ; I did not benefit anything such as money, goods, services or any other benefit as a result of these unauthorized accounts. I have filed this report to the best of my knowledge.
Consumer complaint received 2020-02-25
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. (FL)

I received a copy of my credit report and noticed a few things that were inaccurate. I did dispute the information and only to be hit with 4 new medical collections. I was never informed from anyone that I owed any type of balance or I would have made sure to get the bills paid. It wasn't until I saw my report that I was made aware. I did contact the company and paid the right away. I was told verbally they would remove it especially since I didn't even know about them. The accounts are from XXXX XXXX
Consumer complaint received 2020-02-25
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. (TX)

I've disputed collections accounts regarding the collection agencies XXXX XXXX XXXX and XXXX  XXXX XXXX  with all 3 Bureaus XXXX, XXXX  and Transunion. According to my findings I see that there has been duplicate reporting and also the collection companies have participated in illegal re-aging the accounts. From my knowledge this is against the law and that they have committed a violation. I would like for them to remove these accounts from my report.
Consumer complaint received 2020-02-25
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. (CA)

I applied for a debt consolidation loan and unfortunately, I did not get approved. I called them to ask why I was denied and they told me that I didn't qualify because there are four accounts with negative history appearing on my credit. I looked through my credit report and sure enough, there are four negative accounts that I never opened. None of these accounts belong to me and I did not give anyone permission to open these accounts using my personal information. In 2013 I lost my wallet at XXXX XXXX XXXX XXXX which had my driver 's license, ID, social security card and my debit card. I did not authorize these companies to have access to my credit file now personal information ; I did not benefit anything such as money, goods, services or any other benefit as a result of these unauthorized accounts. I have filed this report to the best of my knowledge.
Consumer complaint received 2020-02-25
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. (OH)

I noticed a hard inquiry dated XX/XX/2019 on my TransUnion credit report from XXXX National Credit Cards/Airlines. I did not apply for ANY credit in the year XX/XX/2019 and yet it appears on my TranUnion report. It, however does not appear on my XXXX report. So I decided to call XXXX at ( XXXX ) XXXX and the first agent I spoke to said that he did find an account with my social but not my name. He then transferred me to the fraud department. 

This gentleman in the fraud department asks to put me on hold for a few minutes to check his application database and when he gets back, he states that he could not locate any information for me. He told me to, again, call TransUnion and let them know. I asked him if I need anything from him and he said no, that TransUnion would contact them. 

I call TransUnion back and the representative on the phone tells me that I have to call XXXX back and get a letter of deletion from XXXX. She said that I needed this letter to have it removed from my credit report. She told me to mail it to XXXX XXXX XXXX XXXX, PA XXXX and include my name, address, last 4 SS, my file # which she provided, and to write that it was in regards to removing my hard inquiry from my report. 

I call XXXX back. They told me that they were not going to provide me with a letter of deletion because there was nothing to delete. I stressed the fact that TransUnion requested it and still they refused to provide any such document. 

Furious, I called TransUnion back and let them know that XXXX refused to give me a letter and the lady basically told me sorry because they need the letter. I told he I can not make them give me a letter and I needed help getting this removed. She told me to file a police report, which I thought was crazy considering I don't think the police have the time or manpower to investigate my credit report. She transferred me to her supervisor and he told me to file a report with you, the Federal Trade Commission. And so I did. I was told to file this and send it to the same address I listed above. 

I can not believe that I can not do anything to resolve this matter on my end. I feel as if I have been getting the run around and if my name/SS is not in XXXX  's database, I don't know why my credit should reflect that. I need as much help as I can get in resolving this matter. 

I XXXX  this XXXX National Credit Cards/Airlines after the fact and found out that I am not alone in this. Seems several consumers have had the same experience and run around. 

Please help as I am at a loss as to what to do. 

Thank you
Consumer complaint received 2017-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (AZ)

XX/XX/2017  - ( {$25.00} ) My credit card company declined an automatic payment from my internet service company for the month of  XX/XX/XXXX . Due to the payment decline, I got charge with a {$25.00} fee. I contacted my credit card company about their system error, and they refused to accept the responsibility.
Consumer complaint received 2020-02-25
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: AC AutoPay LLC, Denver, CO Branch (AZ)

I applied for and was declined by XXXX XXXX XXXX to refinance my vehicle on or about XX/XX/2020and I received legal notice in the mail I was declined. 
Then I received a call from a XXXX at Auto Pay LLC on XX/XX/2020 @ XXXX XXXX XXXX & XXXX XXXX XXXX stating they received a request to refinance ( which I did NOT submit to them-XXXX XXXX did ) and that they needed more info " So we can submit it to our large network of lenders ''. I did not return the call as I had already secured a refinance with a credit union. Then on XX/XX/2020 I received notice from XXXX  that XXXX XXXX @ XXXX XXXX XXXX XXXX, XXXX  Ny ( XXXX XXXX XXXX ) had pulled my credit WITHOUT my authorization. I immediatly called Auto Pay LLC on a hunch and the woman I spoke with today XX/XX/2020 confirmed yes they had give permission to their banks to pull my credit, even though I had NEVER consented to this! I advised do NOT pull anymore credit and pull my application, I do not need their services. I am shocked that someone, especially a refinance broker like Auto Pay would give my sensitive information to their banks to pull my credit with NO permission from me, the consumer. I am also not happy with XXXX XXXX XXXX selling my sensitive information after declining me as this could lead to fraud. I read the XXXX XXXX disclosures which only stated the loan may be provided through them OR their affiliates, not that they would pass my sensitive information on to other 3rd party companies AFTER XXXX XXXX XXXX declined me!. This is all shady. I want the inquiry removed from my credit and all my information removed from XXXX XXXX and ALL of their affiliates files.
Consumer complaint received 2020-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX XXXX # XXXX is reporting an account with a balance to my credit that should not be on there. This account is paid and should not have a balance. This is in violation and it needs to be removed.
Consumer complaint received 2019-07-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

In XXXX of this year my loan was transferred to PHH Mortgage from Ocwen Loan Servicing. PHH has been misapplying my payments to principle instead off the normal monthly payment due. I made a phone-payment for XX/XX/2019 with conformation number of XXXX for {$200.00}. That payment does not show up on the XXXX statement. on XX/XX/XXXX, I made another phone-payment for {$200.00}, conformation XXXX XXXX, that should have been for the XXXX payment. Those monies were entirely misapplied to principle. This caused the XXXX payment to be missed and now that payment shows a past due amount of {$100.00}. I have tried to contact PHH by phone but their system will not permit direct contact with someone to talk with, and the automated system does not provide answers to how payments were applied, retrieving payment history, correcting payment errors, or adjusting payment due dates. Additionally PHH is sending the monthly statement late. The statement is printed on the XXXX of XXXX but it arrived on XX/XX/XXXX with a due date of XXXX the XXXX. This inherently creates an intent to create a late payment fee.
Consumer complaint received 2020-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Waypoint Resource Group, LLC (UT)

Waypoint Resource Group # XXXX is reporting an account with a balance to my credit that should not be on there. This account is paid and should not have a balance. This is in violation and it needs to be removed.
Consumer complaint received 2020-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX # XXXX is reporting an account with a balance to my credit that should not be on there. This account is paid and should not have a balance. This is in violation and it needs to be removed.
Consumer complaint received 2023-03-24
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: Experian Information Solutions Inc. (NC)

XXXX. XXXX? XXXX & XXXX XXXX : Account XXXX. is XXXX ( {$780.00} ) 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.