davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-09
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. (SC)

In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX XXXX XXXX # XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX have 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 2022-07-09
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: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX XXXX XXXX # XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX have 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 2023-03-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NY)

I have reached out several times to Mohela regarding the status of my student loans. I inquired about receiving a refund for what I paid during the COVID 19 Pandemic and have not received a straight answer. My loans were originally with XXXX and recently transferred to Mohela. My first contact with Mohela was through their messaging portal on their website on XX/XX/XXXX, XX/XX/XXXX, and XXXX. I received a generic FAQ and not an answer to my question on XX/XX/XXXX. As a result I filed two claims with the XXXX XXXX XXXX that were closed because the company made promises to contact me. I finally received a letter in the mail in XX/XX/XXXX that stated my request was received and that I would receive a check from the US Treasury. I sent a message to Mohela on XX/XX/XXXX and was told that the US Treasury would send the refund within 60 days of receiving the letter. On XX/XX/XXXX I sent another message after not receiving a refund and was told that they could not verify a maximum time to receive the refund on behalf of the US Treasury. I chatted with a Mohela representative XX/XX/XXXX and was told that I had not received a refund because Mohela was working with my previous servicer ( XXXX ) to obtain my payment history. I would like a straight answer at this point as I have waited over 5 months since my initial request.
Consumer complaint received 2022-07-09
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: CAINE & WEINER COMPANY, INC. (OH)

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

15 U.S.C 1681 section 602 A. States have the right to privacy.

15 U.S.C 1861 section 604 A Section : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-09
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: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX  XXXX Bankruptcy 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 2022-07-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (WI)

I want to file a report against my mortgage lender and servicer Cardinal Financial Company and XXXX who have not followed FHA guidelines and have been engaging in unethical servicing practices and now I am in the beginning of the foreclosure process because of their actions. I want to pay and I want to fix this but they have blocked access to these programs and ignored me. I was negatively impacted by XXXX and had my hours cut and my girlfriend who helped with some of the bills was laid off. I could not keep up and in XX/XX/2020 when I could not make my payment I tried to call XXXX to see if there were any programs they could offer me to help me get through the hardship. I could not get anyone on the phone ( probably working remotely ) and had to leave voicemail through the automated system. I left many messages and never received a returned call. I did not receive any notification by mail or anything else, no one told me about or offered the government CARES forbearance plan and I was never able to actually speak to an agent from the lender. Not only did I lose hours at that time but also my furnace went out and had to be replaced and my roof was leaking so needed to take care of that. To make matters worse, I got hit with past due state income taxes and they began garnishing my paycheck. I wanted to pay my mortgage, I wanted to do what I could but my lender and servicer did not respond to me in any way or offer me access to any programs. Finally in XXXX of this year I heard from them and they were sending pre-foreclosure paperwork to me. This is wrong. 

I work as a XXXX XXXX on industrial machines. I had financial issues in the past due to XXXX and child support payments and credit card debt, but I always paid my mortgage on time. I began struggling due to the XXXX XXXX pandemic and Congress passed the CARES act to help people in my situation with a forbearance. At the end of the forbearance, the lender is supposed to work with the homeowner to provide access to loan modification or restructure options so they can resume making payments and get back caught up with the bank. This never happened. I never had ANY contact from my lender despite multiple and repeated calls to them over several months. There was no offer of the CARES program, and there was no review of my financial circumstances for modification or other options. There was absolutely NO communication until they told me I was in foreclosure. 

I am back working full time and make a good living and can afford a fair mortgage payment. I just can't pay back all of the late payments all at once and need XXXX and XXXX to work with me to review my current financial information and consider me for all homeowner assistance options ( including forbearance ) including loan modification, partial claim, loan restructure, capitalization of arrearages or repayment plan. I make enough money to afford a fair and reasonable mortgage payment to save my home.
Consumer complaint received 2021-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CA)

my mortgage payment recently raised by about XXXX a month. 
previously i had bill pay scheduled for XXXX a month. 
the first month i sent a second payment to make up the shortfall but forgot to amend my scheduled payment going forward. 
the company is now returning my XXXX payment.
Consumer complaint received 2022-07-09
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Good morning, first of all receive cordial greetings. 
On XX/XX/XXXX make an online deposit through the Bank of America application, it was a deposit in check, that check arrived at my mail sent by a person who had informed me that it would arrive that check as payment of one service to XXXX XXXX XXXX, who was distant and at her request the check would come out in my name and after releasing the check would give her her money. I made the deposit in the amount of XXXX on XXXX  and I could see that the check was released on XXXX, but I even told the person that their money would be released later. On XXXX I proceed to give him the money through XXXX  make two payments in the amount of {$3400.00} remaining pending to transfer {$500.00}. Check my movements in previous days and on XX/XX/XXXX I notice that the check was reversed because it is not good, according to the bank 's explanation. I called the bank that XXXX  and they could only tell me that they released the check because I had availability at the bank. Which makes me presume that it is not a measure to protect the user, try to contact the emissaries of the check but my XXXX is bad and it is also difficult for me to understand in XXXX, which is why it makes me address you ; I do not know if I should make a legal complaint to the people who sent me a message to tell me if I got the check, to the friend who no longer gives me an answer and to the foundation who issues the check for that amount and in a certain way is doing that type of activities
Consumer complaint received 2019-05-02
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. (TX)

I call the credit bureaus and told them i was a victim of identity theft. I was told to send all the proper docs to get these account removed. I sent in everything they ask me to and the accounts are still there.
Consumer complaint received 2022-07-09
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ADP Inc. (CA)

A withdrawal of {$460.00} dollars was made on my card on XXXX XXXX, 2022. The withdraw was made at a XXXX ATM hours away from where I reside. I called the card company to file a dispute. They investigated and claimed no fraud was committed so I got in contact with them once again and they said to file again and said that I wasnt satisfied with outcome of dispute. They sent out paper work to be filled out and asked for further proof to verify that I did not make this transaction. So I completed the paper work and made a police report to send along with their paper work. The detective from the police department who was in charge of the report called and verified that indeed it was fraud and that it is crazy that they had come up with a conclusion of no fraud detected in the first place. I sent in all the paperwork in and every time I called they say they do have the paperwork and will look into it to call back in 7 days. Then when I do call back another person answers and says that my paperwork wasnt received. Its always a different answer and no one has helped me resolve this issue. They claim they will send a letter regarding the status but never do. I request to talk to a XXXX or someone at a higher position and they never want to transfer my call or get me in touch with anyone else at a higher position. This has been going on since XXXX and I had no answer on my problem or if they will return my money. I am so frustrated, just need help in getting my money back.
Consumer complaint received 2023-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (NC)

In XXXXXXXX XXXX XXXX XXXX claimed that equipment was not returned. After providing proof that the equipment WAS returned and signed for, XXXX acknowledged their error then issued a refund to my bank. The following month, incredulously, they decided to rebill my account. The charge was disputed, investigated by XXXX XXXXXXXX XXXX XXXX, who found in my favor. 

Since then, the supposed " debt '' has been passed on to two different collectors, and every six months or so I have been forced to send them all the information by registered mail, along with a request for them to supply the information on how they determined the validity of the debt ( as is required by law ). this request is always ignored and the debt collectors resell the bogus debt.

Attempts are currently being made by Sequium Asset Solutions who have been informed of the invalidity of the debt, and asked, again, to provide their attempts to determine said validly.

They have refused to answer.
Consumer complaint received 2022-07-09
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: Experian Information Solutions Inc. (NY)

In accordance with fair credit Reporting XXXX  account # XXXX XXXX  XXXX Has violated my rights In accordance with fair credit Reporting XXXX  account # XXXX XXXX XXXX XXXX Has violated my rights 15 u.s.c 1681 Section 602 A states I have the right Privacy 15 u.s.c 1681 Section 604 A section 2 it also states a consumer reporting agency Can not furnish a account with out my written Instructions
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There is incorrect information on my credit report. Addresses and Phone numbers. 
XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX
Consumer complaint received 2022-07-09
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: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX XXXX XXXX  # XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX have 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 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-09
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: CrossCountry Mortgage LLC (OH)

In Accordance with the Fair Reporting act XXXX Account, 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 2022-07-09
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: Maximus Federal Services, Inc. (OK)

Ive attempted to fix this issue many times through disputes. My account has been paid off for several years and closed. Creditors are not legally obliged to report at all. It's a voluntary practice. I am requesting that this harmful account not be reported to the major bureaus anymore.
Consumer complaint received 2022-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Atlanticus Services Corporation (AZ)

Customer service for aspire is over seas. Unfortunately when companies go cheap they sacrifice quality and lose customers. I was told on a recorded line 3 times this year including one time today that my credit card was 1 % cash back. I didnt remember signing up for that so I asked a few months ago to be switched to thta 1 % card. I was assured that my current card was in fact 1 % cash back. I closed my account because of this kind of service. Rather then try arbitration or go to court over XXXX I believe its best for the cfpb to handle the problem. If aspire wants to fix this by offering me the same card with 1 % I will accept that solution otherwise I prefer not to do business with aspire after this sour bitter taste left in my mouth
Consumer complaint received 2018-05-07
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: JPMORGAN CHASE & CO. (CA)

When l checked my XXXX credit report, l noticed that there is a hard inquiry made by CHASE CARD on XX/XX/2018 which l have no idea about it.
Consumer complaint received 2022-07-09
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)

XX/XX/2022 Upon accessing my credit report to check on my score before applying for a new apartment I was shocked to find accounts and addresses that didnt belong to me. My initial response was to contact the original creditors, and submit an FTC to said bureaus and clear my report. The credit bureaus failure to positively verify these accounts has hurt my ability to obtain credit and qualify for my own apartment for an undisclosed amount of time. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account. These bureaus were denying federal law and I had to pay the price of Experian, XXXX XXXX XXXX delinquency. 

There was over XXXX in collection debt, XXXX addresses that were being reported and closed accounts that were repeatedly being reported as past due and miss pays.
Consumer complaint received 2022-07-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (KY)

XX/XX/XXXX. Paid XXXX to XXXX XXXX for a XXXX  and XXXX  for a XXXXXXXX XXXX XXXXXXXX motorcycle. Received product on XX/XX/XXXX. Product was installed and deemed defective. 
Opened a dispute with PayPal. Within 8 hours of opening it, it was closed in sellers favor, with no investigation effort of any kind. 
Re opened the dispute in appeal, provided more information, including user manual from the product that states it must be installed to verify proper function, PayPal demanded seller provide a label to return within 3 days XX/XX/XXXX. On XX/XX/XXXX XXXX claim was again arbitrarily closed without notice in sellers favor again stating tracking info was invalid. This is ridiculous, we never received a tracking number to return, but the claim was closed anyway. PayPal is not performing a proper investigation and wrongfully denying this claim. {$190.00}
Consumer complaint received 2017-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BBVA FINANCIAL CORPORATION (TX)

I was sent a credit card in XXXX that I was told I applied for in XX/XX/XXXXfrom BBVA Compass. I am sent new debit cards very regularly so I assumed it was a debit card. I only realized it was a credit card when I received the statement in XXXX asking for a minimum payment. I called immediately to find out what happened. I canceled the card as soon as they explained the situation to me. I spent 4 hrs being transferred from one dept to the next over the next two days only to have nothing resolved. I explained that I want to pay the ballance but can not do so in the time frame they set up. I do not want to pay fees or interest. I am XXXX XXXX XXXX and have never had or wanted a credit card. My credit is very good and I 'm responsible with my money. I asked for some resolution in this matter but just kept being transferred to another dept over and over again. I 'm afraid this account will go into default resulting in a negative impact on my credit score. Please help any way you can. I feel the card was sent to me without me applying for it. It seems to me there is some deceptive practices being done.
Consumer complaint received 2022-07-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Bridgecrest Acceptance Corporation (MI)

On XX/XX/XXXX I purchased a XXXX XXXX XXXX from the company XXXX. I signed a contract agreeing to have XXXX finance the vehicle and that I would pay XXXX for the loan. A couple of days after the purchase I received an email stating that I would be responsible for paying a company called Bridgecrest for the financing of this vehicle. I have since received many phone calls and text messages from this company. I have never heard of a company called Bridgecrest. The name Bridgecrest is nowhere to be found within my retail purchase agreement with XXXX. It was never disclosed to me that I would be doing business with a company called Bridgecrest, in the contract or otherwise. How can XXXX contract me unknowingly with a third-party? This is misrepresentation, fraudulent conveyance and fraud on the inducement of the contract. 
I sent Bridgecrest a notarized notice dated XX/XX/XXXX stating I would be exercising my consumer protected right to rescind from the contract under title 15 United States code 1635 due to fraud. Bridgecrest returned my notice to me and stated that my debt with them was verified and that I still have their vehicle. How can the vehicle be Bridgecrests vehicle? I bought the car from XXXX.
Consumer complaint received 2022-07-09
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: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting act 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 XXXXXXXX Reference # XXXX, US DEPT OF EDXXXX 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