davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

This company is in violation of the Homebuyers Bill of Rights by dual tracking. They sent me letters to confirm everything was okay. They applied the almost XXXX in suspense to my account. Started regular servicing after XXXX XXXX and modification agreement. They had me sign XXXX different modification documents. What they are doing now is criminal at least. They sent me a letter in XX/XX/XXXX stating that my modification was denied because I said I didn't want it. Giving me two options short sale or give them the loan and walk away owing nothing. They later apologize and said it was corrected. Note they were in possession of almost XXXX in suspense and XXXX in escrow. My monthly payment at the time of modification was XXXX payed up until XX/XX/XXXX. I had more than enough to cover 6 months of mortgage sitting in suspense as well as cover money needed for escrow. I will provide bank statements. After placing me in normal servicing they put me back in the modification process on XX/XX/XXXX. This has caused me severe mental distress. They put me in default and bought my loan in XX/XX/XXXX. I owe less than XXXX and my home is worth XXXX. I have the resources and support to pay my mortgage for the next 2 years. Why would I do a short sale or give them my home. I know its because I am a XXXX XXXX  over the age of XXXX. These practices are in violation of my civil rights as well as my homeowners rights
Consumer complaint received 2022-03-04
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. (NY)

Experian has a data breach, and my account keeps getting hacked. They have changed my name and my phone number on my fraud alert. I had my account frozen ; the hacker froze it and kept opening bank accounts in my name. Please help. Ever since Experian started advertising on XXXX, everyone 's account keeps getting hacked.
Consumer complaint received 2022-06-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (OK)

I have a secondary bank account with Chime but I don't always use this account daily so I don't always log into it daily. I logged in on XX/XX/2022 and noticed that there had been a {$190.00} charge that posted on XX/XX/2022 to somebody or some company named " XXXX  *XXXX  '' that I did not authorize. I immediately filed a claim through the Chime app at around XXXX am on XX/XX/2022. At XXXX pm on the same day I received an email from Chime that stated upon their investigation they have concluded that no error occurred and that no funds will be credited to my account and my claim was considered closed. There is no way that a thorough investigation was conducted in that short amount of time. I immediately found a customer service phone number for Chime and called it. It took me several tries to get through to someone but I finally spoke to a XXXX. He looked up my claim and said that he would reopen it since there wasn't a sufficient amount of time between when I made the claim and when it was closed out. I waited a few hours and logged back in to the Chime app and my claim was still closed out and it was never reopened. There is no way this is not fraudulent activity. The merchant name doesn't even look legit and there is no contact information listed to even reach this merchant. I Googled " XXXX  *XXXX  '' and there is information out from other people 's testaments that this is indeed fraud. If the XXXX stands for XXXX then I have never purchased anything on XXXX and my payment history on the site has no records of any purchase activity nor have I ever linked any payment methods to my XXXX account. On XX/XX/2022, I received Chimes ' investigation documents which were a joke. Chime is basically saying that because my card is still in my possession and because my personal information to my account ( phone number, email address, etc. ) was not tampered with then they don't find any fault in the transaction. Fradulent activity happens daily and the perpetrators don't have to physically have a person 's card in their possession nor do they have to change any personal information to theirs. My primary bank would have caught this unauthorized transaction immediately and/or would have reinstated me the money that was stolen from me. Chime has done nothing at all to help me in this situation. I do not trust my funds in Chime 's possession and feel that if this were to happen again, they will no go to bat for me as their customer.
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX XXXXXXXX
Consumer complaint received 2022-06-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

I am a 100 % XXXX veteran. As of XX/XX/2019, medical debts that belong to the VA can not be included in a veterans credit report. I have contacted the Va and they called both the original creditor which is XXXX XXXX XXXX, and told them the correct way to file for my approved VA care. They illegally sent the account to collections. This collection company has reported this to the 3 credit companies illegally. The VA even called the Medical Date Systems INC sharks and they told the Va they would pass the request to XXXX to re-file. My credit score has dropped XXXX points overnight. This is what I get for serving my country.
Consumer complaint received 2022-06-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MO)

Made mortgage normal monthly payment XX/XX/XXXX to the previous loan servicer XXXX ( XXXXXXXX XXXX  ). 
This is sent by check every month. 

Mortgage was transferred to new servicer ( Carrington Mortgage ) XX/XX/XXXX. Was not informed loan was being transferred until MID-XX/XX/XXXX. 

I provided bank statements to Carrington Mortgage showing money was drawn from account from XXXX ( guild mortgage ). 2 payments of {$420.00} from separate bank accounts. This has been in review by their " research department '' since XXXX. sent these documents via fax XX/XX/XXXX. 

Called previous loan servicer before this and they said they received the payments and it was placed into the escrow account. 

Now Carrington is saying they've DENIED my request of a reversal ( whatever that means ) I was told the denial of reversal date was XX/XX/22. Again this has been in review since the beginning of XXXX. 

Carrington, there's never anyone such as a supervisor available. I've asked for one a few times now and they tell me there will be a callback. I haven't gotten a callback yet.

This keeps getting pushed back, first it was XXXX, now they're saying I'm defunct for XXXX for this amount ~ {$400.00}. 

Neither Company wants to be held responsible for this seemingly missing money. 
~ {$400.00} dollars. 

Carrington says I need to call XXXX. XXXX says I need to call Carrington, I'm getting the runaround. Now threatening to report to my credit.
Consumer complaint received 2022-03-04
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. (GA)

In according with the FCRA convergent account below has violated my rights In accordance 16 USC 1681 Section 1602 A states I have the right to privacy.

16 USC 1861b Section 2 also states : A consum
er reporting agency can not furnish a account without written instructions. 

XX/XX/XXXX XXXX XXXX XXXX Partial Acct XXXX {$1800.00} XX/XX/XXXX XXXX XXXXXXXX Acct XXXX XXXX {$110.00} XX/XX/XXXX XXXX XXXX Acct. XXXX {$0.00} ( 3 Entries ) XX/XX/XXXX XXXX XXXX Acct. XXXX ... {$1300.00} XX/XX/XXXX XXXX XXXX XXXX Acct. XXXX {$4400.00} XX/XX/XXXX XXXXXXXX XXXX XXXX Acct. XXXX {$240.00} XX/XX/XXXX XXXX XXXX XXXX GA XXXX ID # XXXX XX/XX/XXXX XXXX XXXX  Acct. XXXX {$860.00} XX/XX/XXXX XXXX XXXX XXXX Acct. XXXX {$78.00} XX/XX/XXXX XXXX XXXX Acct. XXXX {$200.00} XX/XX/XXXX XXXX XXXX Acct. XXXX {$860.00}
Consumer complaint received 2022-03-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION (GA)

It's my last day to pay my rent in time. I like to pay my rent in person with my landlord so she can give me a written receipt. Due to work schedules her and I have been missing each other so we've decided let 's do XXXX that way we can have a virtual receipt. I tried to send the money via XXXX and it was denied saying I need to call the bank to verify me. When I called in one of the automated messages stated the bank will never call me to have me verify myself by having a code sent to my phone and asking for that code. So, I took that very seriously. The first guy I spoke to went through a verification process with me then he said he had to transfer me to security. I the go on hold. I was on hold so long I started joking around with my roommate and friend. One whom is XXXX  and the other is mixed. They both were making XXXX jokes to me then someone picked up the line. As I'm waiting in between the person on the phone to do whatever it is he is doing we are all still playing around. The guy then says he needs to verify me. I'm like okay cool. He then says he sent a code to my phone and I need to give it to him. I tell him there has to be another way to verify me because the automated system just said you guys wouldn't ask me for a code. He then goes on to say this is his job don't tell him how to do his job. First of all that's rude because it's my account with my funds and if there were no accounts there would be no job. The guy begins laughing and etc and I say hey I don't see what's funny. Anyways, my friend says something and I yelled out I'm sick of XXXX XXXX XXXX people. The guys goes on telling me I don't need to be XXXX etc and continues on being rude. Regardless to what I say he doesn't know who I'm speaking to. He's supposed to provide customer service. Now I have to pay a {$50.00} fee because they didn't want to do their job. I kept asking for a supervisor about XXXX times. The supervisor kept asking questions that the initial guy had already asked me. So, I'm confused because I was supposed to be transferred so he should have had all of information pulled up. I am highly upset right now. I was supposed to be in bed hours ago yet I'm up dealing with this nonsense. Something needs to be done and something needs to be done asap. For the record I never received a code. The supervisor just XXXX me off even more because he tried to act as if he was being professional but I know exactly how the field is as per Ive worked in the field myself for 12 years or so. XX/XX/2022 at XXXX is when the call was made. Navy Federal Credit Union
Consumer complaint received 2020-06-05
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated (AL)

On Wednesday XX/XX/XXXX I received an email stating I had changed my pin to my WayToGo Alabama child support card. I had not done that and promptly called them where I waited 49 minutes on hold and then was just hung up on. I used the automated system and closed my card and reported it stolen as my pin had in fact been changed when I checked. I received another email a few days later stating my pin had been changed again. I then went to the ATM to try to pull out what money I had in there and it said that my card was not recognize to contact my financial institution. Through all of this I had tried to call them almost every single day if not a couple times a day and every time it would say they did not have customer service reps available to try at a later time or use their automated system. During this time I had two deposits made and had {$390.00} in there. On XX/XX/XXXX someone transferred {$390.00} out of that account. Upon research it was to XXXX XXXX  I will attach pictures of the transfer. I called a certain bank as I am not able to get a hold of the way to go card people and it looks like it is the bank attached to XXXX XXXX. They were unable to give me any information regarding the transfer. Im not sure what else to do with this time as I can not get anyone on the phone to help me and the deactivation of my card didnt stop people from being able to pull money out of my account. I have attached the emails where I contacted the child support division here in XXXX County where they were not able to help me with this matter. I have also attached the documentation of the transfer out of my account As well as the emails that I received stating my XXXX   had been changed.
Consumer complaint received 2022-06-18
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)

XXXX XXXX XXXX XXXXXX/XX/2022, Location XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX, Phone ( XXXX ) XXXX, Inquiry Type Individual, Alert Id ; XXXX is a fraudulent hard inquiry that was not done by me. I have contacted both Transunion and XXXX XXXX XXXX about removing this from my report with no success.
Consumer complaint received 2022-06-18
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Acct # 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 2020-02-03
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. (AR)

There are several items on my credit file that exceed or reporting inaccurately. 

# 1XXXX XXXX XXXX  paid in full is not a charge off should not be reporting delinquent history. # 2 XXXX XXXX this account exceed the 7-year statue reported. # 3 XXXX XXXX this account was paid in full was. Please remove the inaccurate delinquent history. XX/XX/2015 through XX/XX/2015. # 4 XXXX Paid in full and I have the letter stating paid as agreed.
Consumer complaint received 2018-12-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: USI Solutions Inc. (MN)

On XX/XX/2018, I received 1 call on personal cell phone at XXXX. I was driving and could not answer. 20 minutes later when I had the opportunity to listen to the voice mail, it was identified as USI, a debt collector and I was given a number to call back and a reference number. I did not have time to call then but returned to my office. I arrived at my office at XXXX and was given a note that the same number had called and left a message for me to call. At XXXX XXXX  I received a text from my son-in-law stating the same number had called him looking for me and left a message with him for me to call XXXX ext XXXX. This seems excessive and harassing as I am sure that other people were contacted and I have not heard from them yet. 
I called the number provided and extension and was sent to voice mail. I left a message that I contest the debt, wanted all calls stopped and to be contacted via US Mail. I additionally went to the web-site for USI and used the contact form to send them the same message and provided my mailing address there. 
The tactics of this kind of phone calling seems a violation of the FDCPA. If they can provide the information I requested and it is valid I will deal with it but it is harassing to call a bunch of numbers that are some-how linked to me to collect an unverified debt.
Consumer complaint received 2020-02-03
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. (AR)

I want to buy a house so I spoke to a bank lender on what I needed to do to get started. My credit needed to get pulled to determine if I was able for financing. When they received my report they told me my score was to low for any type of financing for a home. I asked him why and I was showed my report. The accounts on my report are not mine. None of the accounts belong to me. I believe some one has stolen my identity. Please remove the fraudulent accounts from my report. 

XXXX XXXX, XXXX. 
XXXX {$250.00} XXXX XXXX XXXX XXXX XXXX {$2600.00} US DEPT OF ED/XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX   XXXX {$22000.00} XXXX XXXX  XXXX {$930.00} XXXX  XXXX {$280.00}
Consumer complaint received 2020-02-03
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. (AR)

I want to buy a house so I spoke to a bank lender on what I needed to do to get started. My credit needed to get pulled to determine if I was able for financing. When they received my report they told me my score was to low for any type of financing for a home. I asked him why and I was showed my report. The accounts on my report are not mine. None of the accounts belong to me. I believe some one has stolen my identity. Please remove the fraudulent accounts from my report. 

XXXX XXXX, XXXX. 
XXXX {$250.00} XXXX XXXX XXXX XXXX XXXX {$2600.00} US DEPT OF ED/XXXX XXXX {XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX  XXXX   XXXX {$22000.00} XXXX XXXX  XXXX {$930.00} XXXX  XXXX {$280.00}
Consumer complaint received 2020-02-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NE)

I meet all of the requirements for student loan forgiveness under PSLF. I applied and FedLoan told me I am not eligible until XX/XX/XXXX. My eligibility for forgiveness has been under review since XX/XX/XXXX, and the eligibility dates they have provided me have changed. 

FedLoan says my student loans were in deferment from XXXX - XXXX under XXXX XXXX XXXX. I know I made payments during this time. However, since I am no longer able to access my XXXX XXXX XXXX information online, I have requested my payment history during the time my loans were serviced by XXXX XXXX XXXX. I have requested this information from both XXXX and XXXX multiple times without complete success. I am looking for my full payment history as well as full customer service history during the time my loans were serviced by XXXX XXXX XXXX, specifically from XX/XX/XXXX - XXXX when XXXX XXXX took over my student loan.

Although I do not have the full payment history from the time my loans were serviced by XXXX XXXX XXXX, I have a document from XXXX  showing that I entered into an income based repayment plan on XX/XX/XXXX. This suggests to me that I began making payments after this date. ( document attached ) I also have documentation from XXXX showing payment history as far back as XX/XX/XXXX. This suggests my eligibility for loan forgiveness under PSLF should at least be XX/XX/XXXX. ( document attached ) My students loans would have been in deferment up until XX/XX/XXXX. However, once I entered into that payment plan, I dropped classes in the Fall XXXX semester and began making payments on my student loan as part of the PSLF program. My transcripts show I dropped classes and did not enroll in coursework to meet deferment requirements after that time. This also suggests to me that I started making payments. Otherwise, I would have continued taking classes to keep my students loans in deferment. ( document attached ) One last point I would like to make, my employment also meets the employment requirements of the PSLF program. I have worked for this same employer for over ten years. This has been verified and approved by FedLoan.
Consumer complaint received 2021-06-10
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: EQUIFAX, INC. (CA)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2018-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

On or around XX/XX/XXXX, EQUIFAX allowed an unknown source to place incorrect information on my Consumer Credit Report. On XX/XX/XXXX,  the consumer contacted EQUIFAX to inquiry about the wrong information and requested the source identity, the source was not identified. 

The consumer is requesting an investigation to identify the source who placed the fraudulent information on her credit file. The investigation should include the United States Postal Service, since the erroneous address reported is : XXXX XXXX XXXX, XXXX, GA XXXX. The consumer has never lived, owned, reported nor received United States Postal Service ( USPS ) mail at XXXX XXXX, XXXX, GA XXXX. 

Even with an existing FRAUD ALERT and XXXX XXXX XXXX, EQUIFAX allowed this incorrect information to be successfully added to the consumer 's credit file without her knowledge or consent.