davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-24
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. (LA)

XXXX shown on my credit reports ( XXXX ) has been given to XXXX XXXX. XXXX has sold to this company and shared pertinent information that belongs to me. Please have each XXXX, Transunion, and XXXX remove this negative item from my files
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Allied Collection Services, Inc. (Nevada) (IN)

The Debt I have with Allied Collections out of XXXX is refusing to stop reporting my debt after 7 years of reporting XX/XX/XXXX is when debt started and now its XX/XX/XXXX I want debt deleted from reporting to my credit report
Consumer complaint received 2022-03-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

Fedloan advised me in XXXX and XXXX I had to recertify my loans otherwise it would mess up my payment counts. I recertified my loan. XXXX, this was incorrect. Die to the administrative forbearance I did not need to recertify by XX/XX/2022 because I had an additional year at the lower payment. Fed loan processed my recertification XXXX and my payment went up by over {$300.00}. I am a XXXX single mom and I do not have that kind of money. Plus, Fed loan was not honest when they stated my loans had to recertify by XX/XX/2022 when in fact I had a year like everyone else. 

I want my monthly payment to go back to the previous amount of {$99.00}. I am being penalized for Fed Loan 's incorrect information.
Consumer complaint received 2022-03-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Dear CFPB, I Notice several unknown Bank of America Account that I have no knowledge of, I demand of bank of America to validate it because I don't own it. On my report Bank of America reported negative information to the credit bureau I never gave them any authorization to do so without my consent, they keep abusing, harassing 's me calling me day and night pursuant to 15 U.S. Code 1692d with is a violation.
Consumer complaint received 2022-03-19
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. (GA)

I received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. Identity Theft XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
12. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
13. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
14. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
15. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
16. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
17. Identity Theft XXXX XXXX  Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2022-03-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (CA)

I am submitting this complaint against Great Lakes Educational Loan Services in regards to not providing me with information regarding loan repayment programs such as XXXX XXXX XXXX XXXX or the XXXX XXXX XXXX XXXX during the time Great Lakes Educational Loan Services served my student loan from XXXX to XXXX. Despite I worked for a non profit XXXX organization for 6 years during XXXX to XXXX, it looks I am not getting credit under the XXXX XXXX XXXX XXXX due to the fact that Great Lakes Educational Loan Services did not enroll me in an Income based XXXX XXXX XXXX. Instead, my loans were put in Deferment. I am the first one in my family to attend college. I come from an underserved background. I was not informed by The Great Lakes Educational Loan Services that I could had been enrolled in an Income Based Program instead of putting my Loans in Deferment.
Consumer complaint received 2022-03-19
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. (SC)

In accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

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 XXXXXX/XX/XXXX In accordance with the Fair Credit Reporting act Convergent 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-03-19
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. (FL)

According to my XXXX report, I am in debt to XXXX XXXX XXXX a significant amount ( they are a collections company ), however, when I contacted XXXX XXXX XXXX, they were unable to send me verification of the debt for four months! Then sent me a letter stating that they would lower the debt by 50 % after not contacting me for four months. I then sent them a dispute letter asking for 3 documents of verification. They reported the debt to XXXX and I disputed with XXXX and attached the letter I sent to XXXX XXXX XXXX. After 20 days, XXXX XXXX XXXX puts that the account is mine yet sent no real proof or any of the verification I asked for. XXXX is aware of this yet they say all they can do is continue to dispute it or for me to ask XXXX XXXX XXXX to remove it from my report which they refuse to do and also refuse to verify the debt. XXXX already deleted the debt so why is XXXX siding with the wrongful collections company, when I as the consumer for XXXX, have more proof that the debt is incorrect?
Consumer complaint received 2022-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC (MI)

Multiple charges on my card from an XXXX account that was not my own. Charges at restaurants Ive never attended. Ive contacted the company multiple times and they just say it pending. They sent one letter saying to contact them and then denied my claim. If they truly invested they would see it wasnt my XXXX account that was used. Also was charged {$XXXX} annual fee that was never disclosed to me, when I called to try and cancel the card and refund my fee they refused.
Consumer complaint received 2022-03-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A. (KY)

pnc allowed XXXX and XXXX law firm to take XXXX from my checking account that i got from short term XXXX and working XXXX weeks at my job after taxes XX/XX/XXXX to XX/XX/XXXX and using XXXX weeks of paid time off XXXX weeks used for XXXX hrs after taxes totaling approx XXXX for entire year XXXX to date
Consumer complaint received 2022-03-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (MD)

Western Union : Transaction Date : XX/XX/XXXX Transfer Amount : XXXX USD Transfer Fee : XXXX USD Additional Fees : XXXX EUR Expected Payout Location : XXXX Comment : They received my refund request, and I have case number which I can provide. 
Also, they ask me to allow 30 days for processing which was since XX/XX/XXXX XXXX
Consumer complaint received 2019-08-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

I have been working with Loancare regarding foreclosure alternatives and have submitted documents to be reviewed for assistance. After a few months, I was informed on XX/XX/2019 that I was approved for a trial modification from a representative named XXXX. I was told by XXXX the approval was being generated and would be mailed to me. I then called on XX/XX/2019 to see where the approval was as I had not received it only to be told the approval was never generated because they needed a proof of occupancy. The representative admitted that although she see notes indicating a proof of occupancy is needed, only one call was placed to me and nothing thereafter. I never received a call/voice message or document informing me I needed to provide that information as I have no issues providing what is needed.I was told this error would be sent to her supervisor to get the file re-opened so I can continue with the approval. I immediately emailed the proof of occupancy on XX/XX/XXXX and when I called back on XX/XX/2019 to follow up I was told the email was never received when in fact I had proof. I then emailed it directly to the representative I was speaking with XXXX whom advised she would be submitting a request to her supervisor to ensure this information gets to the underwriter so they can review the errors that occurred. I called back again on XX/XX/2019 to be told the " appeal '' is still being reviewed and can take up 30 days to make a decision. I am now worried they will not provide with the approval based upon the events that have taken place. I am ready to make my trial payment but they will not let me. I just want to move forward from all this.
Consumer complaint received 2022-08-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: National Financial LLC (NJ)

I have a payday loan which I was paying weekly. I had issues paying it which led to issues with my bank account. I called and made a one time payment on a new debit card. I never agreed to or signed any paperwork stating that this card could be used for automatic withdrawls. Yesterday morning the payday company charged a {$50.00} payment without my consent. A phone call to a XXXX XXXX on their " legal dept '' got me nowhere. He had a condescending attitude & his only solution was to not to use my card. I want my money returned to that account.
Consumer complaint received 2022-03-19
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. (SC)

In accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX - XXXX - XX/XX/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 XXXX XXXXXX/XX/XXXX XX/XX/XXXX - XXXX - XX/XX/XXXX In accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-03-19
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. (GA)

I sent a letter requesting that you reinvestigate the disputed accounts from my credit report as well as UPDATE these accounts from my report during the investigation period. As of this date, you have failed to respond to my request. 

XXXX XXXX XXXX  XXXX Balance {$XXXX} The late history should not be showing late because I think I paid on time. Please update the late payments from this account. 

DPT EDXXXX XXXX Balance {$XXXX} XXXX formally request the removal of late payment from this record. I don't think I was late in the months reporting. 

XXXX XXXX XXXX  XXXX Balance {$XXXX} I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 

XXXX XXXX XXXX Balance {$XXXX} You are reporting inaccurate information on this account. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2022-03-19
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. (GA)

I sent a letter requesting that you reinvestigate the disputed accounts from my credit report as well as UPDATE these accounts from my report during the investigation period. As of this date, you have failed to respond to my request. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance {$2900.00} The late history should not be showing late because I think I paid on time. Please update the late payments from this account. 

XXXXXXXX XXXX XXXXXXXX XXXX Balance {$160000.00} I formally request the removal of late payment from this record. I don't think I was late in the months reporting. 

XXXX XXXXXXXX XXXX XXXX XXXX Balance {$0.00} I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$2100.00} You are reporting inaccurate information on this account. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2022-03-19
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. (NJ)

On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over XXXX days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section XXXX ( a ), states that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report it's been XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (TX)

Hello I am reaching out because the listed accounts, -showing the dates and what bureau that it posted on is a part of identity theft. I attempted to resolve this with the bureause below but I have not been successful. 

RESIDENT VERIFY Tenant Screeners XX/XX/2022 Experian XXXX Miscellaneous Finance XX/XX/2022 XXXX PEOPLE FUND Miscellaneous Personal Services Other Than Medical XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022 Experian XXXXXXXX XXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXX XXXX Credit Unions XX/XX/2022 Experian XXXX - XX/XX/2022 XXXX
Consumer complaint received 2022-03-18
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. (PA)

My rights have been violated according to ... 15 U.S.C. 1681 602 ( a ) states I have the right to Privacy ... ..15 U.S.C . 1681 604 Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions ... ..accounts XXXX XXXX  {$410.00}, XXXX XXXX XXXX {$780.00}, XXXX XXXX {$850.00}, XXXX XXXX XXXX {$1300.00}
Consumer complaint received 2022-03-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (CA)

This is re-opening the complaint that Wakefield provided in which they claimed the debt was owed. We have provided this by mail previously. Our family deductible was met prior to the date of the medical visit, which covers the aforementioned debt. Attaching the bill and the date we previously disputed it. Bottom line, our debt is not valid. 

Wakefield & Associates trying to collect for XXXX XXXX. This is a medical charge. We met our maximum family deductible in XXXXXXXX XXXX  2021. We provided documentation multiple times to CEP, to Wakefield, by mail. XXXX  collector said it was likely mailed to a different office and she hasnt seen it. She said she was still going to try to collect the balance. My daughter has an XXXX XXXX XXXXXXXX so we hit our deductible very quickly every year. We provided audited health documents to both entities ; they just ignore them. Our health provider says we dont owe anything. This collector is a scammer.
Consumer complaint received 2022-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (NY)

I am a Chase Sapphire Reserve Credit Card customer. One of the card benefits is free trip cancellation insurance, which I used for the first time ever for my Trip ID # XXXX. My sone got sick and we had to cancel the trip booked through Chase XXXX on the Chase website. Trip date was XX/XX/XXXX, trip was canceled on XX/XX/XXXX. As requested by Chase XXXX, I filed an insurance claim with Chase ( claim number XXXX ) and provided all the required documents. 

Chase insurance is refusing the honor the insurance claim giving me a run-around between various departments. I have spent countless hours speaking with different people- contacting the airline, insurance company, Chase XXXX supervisors, Chase Card Services and others with no resolution of my case. 

I consider this a bridge of contract with Chase Sapphire Reserve, since trip cancellation is one of the benefits that is covered by my Credit Card agreement.
Consumer complaint received 2015-07-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: American Financial Resources, Inc. (NC)

We had our mortgage thru American Financial Resources and was paying {$1900.00} on XX/XX/XXXX our new statement went to {$1600.00}. In XX/XX/XXXX our mortgage was sold to XXXX XXXX XXXX and payment remained the same {$1600.00} until XX/XX/XXXX we received a letter from XXXX XXXX XXXX stating as of XX/XX/XXXX or payment was going to increase to {$2200.00}, unless we paid a shortage of {$4000.00} plus add PMI back on which would still have our payment go back up to {$1900.00}. We had no clue what was going on so we called XXXX XXXX & they said there was a shortage on our escrow which they paid when they took over loan in XX/XX/XXXX, so we then called American Financial Resources and they acted as if they had no clue as to why, then after several attempts to talk with someone concerning our loan they said there was a computer error back in XXXX that dropped our PMI and lowered our mortgage payment so for a year we paid what was in our statement each month from American Financial and also XXXX. In XX/XX/XXXX we paid XXXX the {$4000.00} plus took our mortgage payment from {$1600.00} to {$1900.00}. We was told by both mortgage companies there was nothing we could do nor was either willing to work with us on a problem on there behalf. Is there anything that can be done about this?
Consumer complaint received 2016-03-31
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Credit Central Holdings, LLC (GA)

I HAVE AN ACTIVE ACCOUNT WITH CREDIT CENTRAL IN WHICH THEIR COLLECTION PRACTICES ARE HORIFFIC. THE MANAGER HAS CALL 2XS FROM HER PERSONAL CELL PHONE IN WHICH I HAVE A COPY, AND THEY CONSTANTLY CALL EVEN AFTER I HAVE SET AN ARRANGEMENT MY ACCOUNT IS 9 DAYS PAST DUE AND THEY EXPECT FOR ME TO LEAVE MY JOB AND DOWN THERE AND SET AN ARRANGEMENT I ADVISED THE LADY IM NOT COMING DOWN THERE UNTILE I AM INTENDING ON PAYMENT WHICH WILL BE TUESDAY OF NEXT WEEK TODAY IS JUST THURSDAY. ALL OF MY REFERENCES HAVE ASKED NOT TO BE CONTACTED AND THEY ARE STILL CALLING. THE ONLY REASON THE REF 'S DONT WANT THE CALLS IS BECAUSE THEY ARE SO RUDE AND ABUSIVE WITH THEIR WORDS AND ITS NOT THE REF 'S DEBT ITS NOT FAIR FOR THEM TO TAKE ANY ABUSE ABOUT MY DEBT.
Consumer complaint received 2022-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NV)

Mr. Cooper 's on-line payment system is riddled with errors and issues. On multiple occasions their systems would not recognize my user name or password. The user name/password retrieval system does not work. It sends you a time limited temporary password. It takes so long to receive the message that the temporary password is no longer valid once you receive it. When you call to pay by phone they charge a service fee. Unfair business practice. Their customer service is non-existent.