davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-13
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: BARCLAYS BANK DELAWARE (IL)

I have been trying to get this derogatory off my credit report for months. I have sent in 4 disputes and nothing has been done. I have sent in proof that i myself am the one submitting the request to have this removed. I have filled for a full file disclosure and never received it.
Consumer complaint received 2023-08-09
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. (FL)

the credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, and date last reported is not accurate. this ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. states i he the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions due to these violations of my rights i have been denied use of my va home loan for years and have dealt with constant homelessness even at this point. it has caused me a lot of grief and pain and cost my marriage. the amount of damage that has been caused due to violation of my rights cant be accounted for
Consumer complaint received 2021-03-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Back in XXXX or XXXX of XXXX I contacted Bank of America about a {$5000.00} credit card opened back in XX/XX/XXXX showing on my credit report. When speaking to the Bank of America representative I was told my social number wasnt found in their system. I was told to report that discrepancy to the Credit Bureau in that way if the credit bureau contacts Bank of America they would be able to verify I am not a client. I would like to have this account taken off my credit report as Ive already created a fraud alert because I am not the owner of the Bank Of America credit card account.
Consumer complaint received 2023-08-13
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: EQUIFAX, INC. (FL)

I have disputed the same accounts multiple times and after the so called investigation by the credit bureaus it has not been resolved. With the indisputable truth and failure to disclose all information on credit reports even after disputes and still withholding information of my credit report from me. In regards to the following accounts : XXXX  account number XXXX and account XXXX account number XXXX
Consumer complaint received 2023-07-27
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. (FL)

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  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 2023-07-28
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 am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2019-04-30
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. (NC)

Transunion did not interview the originating company XXXX XXXX XXXX in XXXX, GA. The company was never contacted after I disputed the information. It is listed as a XXXX bill when this was a buy here pay here company. XXXX was able to verify this as not being a debt and removed it. XXXX XXXX didnt sell the car at auction and leased the car to another buyer. 
Trans Union also reduced my score by 115 points on my credit report within 30 days of having a XXXX score. Nothing was changed on my credit report. 
If you cant help me I will have to hire an attorney. Ive had false accounts removed from my report and it seems like that has occurred they are trying to punish me.
Consumer complaint received 2021-03-05
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

My money two orders were stolen and the person that stole it deposited it at a local XXXX XXXX. The {$1000.00} Money order number XXXX & {$140.00} Money order number XXXX, were stolen, cashed at the local XXXXXXXX XXXX XXXX. I went to the XXXX XXXX  and they won't reissue my money and told me to go to MoneyGram. I then went to MoneyGram and they said its the bank 's responsibility and won't reissue me another money order or refund me my money. Both XXXX XXXX and MoneyGram tell me to go to the other to collect. I just want my money, since the money order should not have been cashed, which is the bank 's risk when cashing money orders.
Consumer complaint received 2019-09-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CNG FINANCIAL CORPORATION (TX)

I applied for a payday loan online. I had to provide my personal information, including my bank routing and account number. Then, I was approved for {$250.00} and given the terms of the loan. 

I was then prompted to enter my bank login credentials. I hesitated due to privacy reasons. Then, I reasoned that my credit had been pulled and I was approved, so I may as well continue. After entering my bank login credentials, another screen popped up and stated that my application was denied. 

I immediately became concern that this was a scam. I proceeded to change my password with my banking institution. I then called Check N Go 's 800 number. I spoke with XXXX ( XXXX ). XXXX informed me that he did not see my application online. He also said that the company doesn't work with certain banks. I asked for the legal department and he transferred me to a supervisor ( XXXX ). 

XXXX informed me that it was policy for customers to be verified that way. However, when I read the disclaimers online, there was no mention of this type of verification. I would have rather uploaded a bank statement. Also, I would not have proceeded with the transaction. I feel this was misleading and fraudulent. 

Finally, I received an alert from my credit monitoring system showing that there was a new inquiry from 'Checkngo/XXXX. '' This conflicted with the statement made by XXXX.
Consumer complaint received 2019-04-30
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc. (TX)

I called on Tuesday, XX/XX/2019 and requested a deferment ( XX/XX/2019 and XX/XX/2019 payments ) due to a financial hardship. I spoke to a lady and she read the deferment agreement and informed me of my pin number, XXXX, and informed me that I would be emailed a deferment acknowledgment and I need to acknowledge within 24 hours as the pin expires. 

I received the email on Wednesday, XX/XX/2019 and I completed the acknowledgement from my mobile device and I landed on the " Document Acknowledged '' page. 

On XX/XX/2019, I received an alert that GM reported my XX/XX/2019 payment late. I called on XX/XX/2019 to figure out why, and the representative stated that the deferment was abandoned. I was confused as I completed the acknowledgement on my phone and that is when she informed me that I couldn't use a mobile device. She said that she would have to reset it up. 

I received a new pin, XXXX, and I completed the acknowledgement again, this time, on my laptop. 

I am requesting my credit is updated to current as this is an UDAAP violation as I was not informed that I could not use a mobile device on XX/XX/2019, nor when I completed the acknowledgment on XX/XX/2019 was I notified that it was not successful, therefore, misleading me to believe I completed the deferment successfully. 

Please call me at XXXX or email me at XXXX to discuss.
Consumer complaint received 2019-09-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (GA)

I am disputing the following account with Discover Financial {$1000.00} and XXXX/XXXX {$380.00} as fraud. I did not authorize these companies to open any account in my name. I am a victim of identity theft. I am requesting these accounts that is reporting a balances to be removed from my credit report due to fraud. I am also disputing the following inquiries Discover Financial and XXXX/XXXX be removed as well for fraud.
Consumer complaint received 2019-09-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IL)

An XXXX purchase for {$140.00} from a PayPal vendor was unsatisfactory ( Seller had sold me an unauthorized and ineffective DNA service kit from XXXX ) on XX/XX/2019. I requested a credit from the vendor through PayPal by filing a dispute. PayPal told me to contact XXXX instead because the original charge was made to my XXXX XXXX card. I then contacted XXXX for a credit. XXXX issued the credit onXX/XX/19.Subsequently,  PayPal issued a credit to my XXXX card on XX/XX/19. On the same day,XX/XX/19, I received an email from PayPal saying I owe them {$140.00}. XXXX XXXX appropriately issued a debit on XX/XX/19 so that there was not a duplicate credit on my XXXX. OnXX/XX/2019 I received another email from PayPal again stating I owe them {$140.00}. I owe nothing. I received the credit to offset the disputed charge, resulting in a zero balance receivable or due which was the fair resolution to this issue. However, subsequently, PayPal responded to the original complaint XXXX that they had ceased collection efforts by accessing and taking from my account the {$140.00} cash balance in the PayPal account I set up. This is an inappropriate resolution, as this resulted in PayPal taking {$140.00} to pay for the service I did not receive. The vendor has not been held accountable for a refund as should be the case and I am still owed back the {$140.00} from PayPal. The XXXX net activity resulted in {$0.00} to the credit card account, which was the appropriate outcome -- no charge due to no service received from vendor 's sale. However, the PayPal action to take cash from my PayPal account remains a net cost to me of {$140.00} for a service I did not receive. Moreover, the PayPal " resolution center '' doesn't allow a dispute, forcing me to resort to the CFPB for assistance. Thank you.
Consumer complaint received 2019-02-13
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 am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-31
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: JPMORGAN CHASE & CO. (MD)

I got a copy of my yearly credit report and noticed that I had 4 inquiries from Chase Card dates (XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. someone was trying to get a credit card that was issued by XXXX but didn't have all of my personal information to complete the application. i contact Chase and the three credit report companies to inform them of these fraudulent inquiries and ask to have a freeze placed on my reports.
Consumer complaint received 2019-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

In XX/XX/XXXX, I submitted IDR documentation, including my XXXX tax return, to the Pennsylvania Higher Education Assistance Agency ( PHEAA ) to recertify loans in repayment status in order to remain in the same IDR plan I have been in for the past 4-5 years. The loans were being recertified in XX/XX/XXXX so I submitted this paperwork with ample time for processing. I graduated XXXX school in XX/XX/XXXX and have new federal loans that are in a grace period through XX/XX/XXXX. When I submitted documentation in XX/XX/XXXX for recertification of my active loans, this documentation was applied to the grace period loans, not the loans coming due for recertification in XXXX. I called in XXXX and was told this would be fixed. XXXX came, and the problem was not fixed. My loans entered the standard repayment plan and increased by approximately {$200.00} overnight. I paid the standard repayment amount due to avoid late status and submitted a new IDR application with the same XXXX tax return in XXXX. Today ( XX/XX/XXXX ), I received an email stating that my IDR application was 'on hold ' because it had AGAIN been applied to the loans in grace period and not the loans in active repayment that the IDR application was meant for. I called and spoke to someone who told me it is 'standard practice for loans to kick back into standard repayment before the IDR can be processed. ' Having paid on these loans for years I knew this statement was inaccurate and she could not answer my question when I asked her why my IDR application submitted in XXXX was not applied to the loans with the earliest recertification deadline, and if this was indeed Pennsylvania Higher Education Assistance Agency policy. She put me on hold and came back to tell me that she sent a request for problem to be reviewed but I would not hear anything for 7-10 business days. In the meantime, my IDR application which was originally submitted in XX/XX/XXXX, will surely not be processed in time for my XXXX payment, leaving me with a {$650.00} bill, {$200.00} higher than it would be under my chosen IDR repayment plan. It seems even the best preparation can not insulate borrowers from the mismanagement of PHEAA. Again, PHEAA has demonstrated their extreme incompetence, or, alternately, what may be predatory servicing practices in order to capitalize accrued interest at will. This is not the first time PHEAA has processed my loans incorrectly leaving me at a monetary loss and providing a monetary gain for themselves. I do not believe that these are harmless mishaps, or 'glitches ' in their processing system, but rather, purposeful, deceitful loan servicing practices that escape regulatory mandates set by Congress . I believe that PHEAA is utilizing loopholes in legislation meant to regulate their actions in order to profit off of student loan borrowers.
Consumer complaint received 2019-09-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (PA)

I received an email from Experian on XX/XX/2019 that I now have debt collections from Credence Resource Management and owe {$1400.00} to them. I made a dispute against this claim through XXXX  simply because I do NOT have any kind of account with Credence Resource Management, nor have I ever been associated with this company. XXXX  emailed me today that Credence Resource Management 's information is accurate for the debt collections against me. I have NEVER received mail for any kind of billing statement this company is accusing me of owing. Therefore, I am unable to attach any kind of documents to this complaint as I have never received any kind of documentation from this company. Additionally, I do not know the service this company is claiming that I owe to them. I have researched the company to be associated with XXXX XXXX XXXX XXXX, which again I have no association with as I have XXXX. I believe this activity to be fraudulent as I have no knowledge of this company or have ever received any kind of mailing statement from them. Unfortunately, this has decreased my credit score significantly which is very frustrating and would like resolved immediately.
Consumer complaint received 2019-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (IN)

In XX/XX/XXXX, I was notified by my credit union that there was a judgement filed against me for {$4500.00}. I was advised that it was in regards to an account with Citi Card. The account had been placed with XXXX XXXX. On XX/XX/XXXX, I had placed a call to Citi Card with the assistance of XXXX and was advised that they could not locate an account. I then spoke to their Collections Department and was advised that the account had been sold to XXXX XXXX in XX/XX/XXXX. I spoke to XXXX XXXX and was instructed to call the law office of XXXX XXXX. I spoke to XXXX at the law office, who just advised me that I needed to get a lawyer and that he would send me support of the debt. I was able to get the hold removed off of my bank account. The Citi account was not showing on my credit reports. I was given support of the account from the court. This account was opened on XX/XX/XXXX. The application showed my name as, XXXX XXXX XXXX. The date of birth was correct, as well as, my address. The application had a different phone number and wages listed. The documents I received from the court, showed my daughters address. Based off of the documents received, I was served papers at my daughters address. Neither, myself or my daughter received the packet. Somewhere along the line, the billing address was changed to an address that I never resided at. I have attempted to fight this with Citi Card, XXXX XXXX and XXXX XXXX. I have not received any support showing payments were being made and from my bank account. I have not received support showing the transactions incurred. This account was not opened by me or anyone else who I had given permission to do so. I have filed a police report, as well as, a report with the FTC.
Consumer complaint received 2019-09-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (IL)

I have been requesting a verification of mortgage from the servicing company that sold my mortgage to another company. They will not provide it. I am trying to refinance my current mortgage and the new lender needs it. 

I stand to lose my lock and money and if it is not done in a timely manner./
Consumer complaint received 2019-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

THIRD COMPLAINT AGAINST PHH MORTGAGE SERVICES It has been over a month that my insurance company issued checks to repair my home from the Woolsey Fire in CA. We were declared a national disaster. PHH Mortgage has given me wrong and conflicting information regarding the Exception that WAS granted as evidenced by their letters dated XX/XX/XXXX and XX/XX/XXXX. A representative from their " escalation '' department also confirmed on XX/XX/XXXX that my checks had been returned to me and in accordance with this letters. However, she gave me wrong information and the checks arrived not endorsed by the bank today. 

You will see from the attachments to this complaint that on their online portal, my information ALSO reflects the Exception -- in that all I needed to do was complete repairs and do a final inspection. And now ... they had the audacity to send a completly contradictory letter a week later dated XX/XX/XXXX stating they want to hold my money, do their own process and are ignoring the fact that OVER 50 % OF THE REPAIRS ARE ALREADY DONE. 

This is added insult to injury. It is also causing severe economic damage to me and my family because I can not even attempt to go back to work until the inside of the house is completed. I need my insurance payments to do these repairs immediately. It is appalling that banks are allowed to get away with their lack of accountability! They need to honor their original letters from XX/XX/XXXX and XX/XX/XXXX!
Consumer complaint received 2023-04-05
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. (NY)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-09-19
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. (NJ)

Experian and XXXX XXXX refuse to remove a negative reporting ( a 30 days late ) payment even though XXXX XXXX agreed that the 30 days late payment was because of something that was their error. XXXX XXXX notified me of the change of reporting via mail on XX/XX/19 and I forwarded what XXXX sent me via their XXXX office to Experian. Experian refuses to do their due diligence and investigate this further and remove it from my account! Please have Experian remove this from my account ASAP