davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-29
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: SYNCHRONY FINANCIAL (DE)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (VA)

My income tax refund of XXXX $ was deposited in someone elses account. A chase account which was someone I knew stole my identity and filed my taxes into there account. Deposit was in this persons account on XX/XX/22 when I called the bank they were no help I am not on this persons account nor did I sign file or even give them my phone number. Its all on my return where they entered there in for for contact and mine and my childrens income. Ive reached out to local law enforcement and they dont seem to care because its a federal deal. Please help!
Consumer complaint received 2017-08-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

To : Ocwen Loan Servicing, LLC / Complaint DepXXXX. 
Hello : Am behind on my mortgage and I was try make a payment but your staff said that since I was 89 days behind they could not take a payment, so I ask them where in the paper I sign did it say that, none of them could answer my question. Your Company Fill there mouth that are here to help, but thats not true. Instead you would rather see me go into foreclosure then trying to help me. I waiting for my XXXX hearing inXX/XX/XXXX, so am hanging in there trying to make my payments and all I get from Ocwen is we cant help you because we have a policy that after 89 days we cant take payments. But none of the people I talk to from your company couldnt show me were dose it say that on my papers that I sign. I feel that you are not acting in my best interest and really want to take my home away from me after 33yrs living there. It is really sad how your staff and your policy are forcing more people in foreclosure. But the good news is that am going to fight you all the way and get some legal help to see if I can sue Ocwen for there way they are acting about not take my payment after 89 days which is not in my contact of the papers I sign. I hope we can get this problem settle and avoid legal action against Ocwen for not disclosing information of there 89 days of not taking payments and then send your loan for Foreclosure. Here are the employee I spoke with Bage ID # XXXX, # XXXX and a person name XXXX that works with my Relationship Manager. I really Hope that we can take care of this problem and really see you trying to help me in times of trouble.
Consumer complaint received 2022-08-29
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: EQUIFAX, INC. (IL)

On XX/XX/2021, I received dispute letters back from Equifax showing multiple accounts were deleted off my credit report, yet they are still showing. I am in the process of sending a new round of letters with copies showing that the accounts should be deleted. There are currently XXXX accounts and XXXX collection/medical accounts still showing on my account that was supposed to be deleted in XXXX. 

These same 4 accounts plus one extra and collections are also shown on my XXXX XXXX account after notifying them Equifax has deleted the accounts off my report, so its mandatory for them to do the same. I demand remedy/relief from XXXX, for this has impacted my credit report and ability to get approved for anything with these negative, inaccurate accounts reporting.
Consumer complaint received 2022-08-29
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (TX)

They report my account as delinquent when it was paid off. they also sold the account and maybe decided to throw my account under the bus in the process. their phonenumber also doesn't work, XXXX XXXX. I recall this company giving me a hard time with the pay off statement.
Consumer complaint received 2016-06-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (MD)

Hello, There were XXXX credit card accounts that I recently opened in the last few months which are reporting to the other XXXX credit bureaus but not to Equifax. I 've reached out to XXXX creditors to confirm that my new account information was sent and also received notification that they were reporting monthly to Equifax but again the accounts are not showing as of today. I also reached out to Equifax on numerous occasions requesting an update or to see if their system was reflecting the new accounts and only to be told there is nothing showing yet. I talked to someone in their Executive Customer Escalations Unit to request a full review of my file to see what is preventing the accounts from showing. However, Equifax is responding that the creditors should contact their Business Relations Customer Service unit which is not possible since they are sending statement information and monthly account updates. This is hindering my credit worthiness and preventing credit decisions since majority of merchants use Equifax in my area. 

The accounts that are reported to Equifax but they will not update on my profile are : XXXX XXXX XXXX
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In Accordance to the fair credit reporting act XXXXXXXX XXXX XXXX XXXX XXXXXXXX that is reported twice violated my rights 15 usc 1681 section 602 A. I have a right to privacy 15 usc 1681 section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction and i am here to tell you that i never gave anyone permission to furnish anything on my report it is a fact, I the Consumer am aware, that XXXX XXXX as a financial institution  did not disclose to me my right to opt out of the disclosure of my nonpublic information. I was not given the opportunity to opt out the disclosure of my nonpublic information and I wasnt given any directions on how to exercise my right to opt out of said disclosure of non public information in accordance with 15 U.S. Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ). XXXX XXXX is in violation of 15 U.S. Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. 

A financial institution such as XXXX XXXX in accordance with the definition under 15 U.S. Code 6827 ( 4 ) ( A ) and ( B ), must provide a notice of negative information in writing to the consumer no later than 30 days after furnishing the negative information. The negative information notice can not be in a previous billing statement in accordance with 15 U.S. Code 1637a pursuant to 15 U.S. Code 1681 ( 7 ) ( B ) ( ii ). I, XXXX XXXX, did not receive such notice and thus XXXX XXXX is in violation of 1681s-2 ( 7 ) ( A ) ( i ) and the information associated with these accounts must be removed.
Consumer complaint received 2021-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: LEXISNEXIS (CA)

LexisNexis report says I'm involved in a car accident 's. I requested my consumer report to dispute anything incorrect. LexisNexis refuse to send working PIN number that works. This has cause my car insurance premium to go up extremely high over LexisNexis car report I have no access to. LexisNexis have false car accident 's reports on file I provided the letter with proof on file.
Consumer complaint received 2022-08-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/29, I received a series of 6 emails that a new account had been opened using my information : Bank of America XXXX XXXX Banking Account # : XXXX. I did not open this account and do not wish to have any accounts at Bank of America. 

I never verified the email address or phone number, but the person who opened the account was able to pass through all verification steps and successfully open a checking account in my name. I feel as though safety mechanisms did not work here. 

Further, I have called Bank of America 3 times today and have been transferred to a " Fraud '' department where I have been on hold for >1 hour each time. It's absurd that I can't speak to someone to report this fraudulent activity and close the account. 

Finally, the person who opened the account changed the contact email and phone number, so I have no means of logging into the account at all. Each rep has asked me if I can log in and to see the full account number for their investigation, but I obviously can't do that. 

The six emails attached were all sent within a 6 minute span from XXXX XXXX to XXXX XXXX. It's absurd that an entire account and all related emails/verifications can be worked through that quickly.
Consumer complaint received 2022-08-29
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TRUIST FINANCIAL CORPORATION (OH)

On XXXX XXXX I called regional acceptance about receiving a 10 day payoff letter because I was refinancing with a credit union. I also made my last payment of {$370.00} on the same day as well. I was supposed to receive my check by mail on XX/XX/XXXX, XXXXIt has been over 3 weeks now and I still havent received my check. Ive called them multiple times and got the same excuse that they already sent it out and that its nothing they can do.
Consumer complaint received 2022-08-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (IN)

Many things have happened. I have two exs teaming up against and trying to take custody of my children. I am going through a divorce also. I have lawyer fees still, and don't even have a lawyer anymore. I have court dates coming up. I'm a single mother of XXXX  boys. I pay for everything with less income now. I don't want to lose our home. I need help.
Consumer complaint received 2022-08-29
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. (TX)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 30 days so they should be deleted promptly. I demand these accounts should 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 2022-08-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: TEXAS CAPITAL BANCSHARES, INC. (MD)

XX/XX/XXXX Attempted to login to my XXXX XXXX  savings account to check the amount as a normal morning routine. I was denied access with a message stating This user is currently XXXX. Please contact your financial institution to re-enable this user. 
Contacted XXXX XXXX  on XX/XX/XXXX at XXXX est and XXXX. Both attempts the call was cancelled. Contacted XXXX XXXX at XXXX XXXX and no representative available ( on hold ). Called again at XXXX XXXX  and spoke to a representative at XXXX XXXX XXXX Found out my account was on hold/freeze due to fraudulent activity. Representative told me that I will be contacted within 3-5days by the security department. 
Today XX/XX/XXXX Called everyday from XX/XX/XXXX on the status of my account due to me needing my funds. Each representative told me they have no phone number or contact information to the security office. I have not been contacted by the security office via email, text, or phone on the reason ( s ). XXXX XXXX representatives are not able to tell me why or provide reasons on why my account of on hold. 
I have escalated and filed a complaint 3-4 times already with the XXXX XXXX representatives ( as they suggested ) and still no response from their security team. 
I have two savings accounts with XXXX XXXX XXXX account had an estimate of {$13000.00} and the other account {$3500.00}. 
I had direct deposit going into the account from two of my employers one was XXXX XXXX of {$2500.00} a week. My other employer was XXXX of up to {$13000.00} a month. I work both jobs full-time and I am in the XXXX XXXX My initial deposit of opening the savings account with XXXX XXXX  was {$20000.00} from my late mothers passing.
Consumer complaint received 2017-08-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Red Cedar Services, Inc (WA)

I recieved an email that i was late on a payment. I didnt have sufficient funds in my account so no money was withdrawn. This was XX/XX/XXXX. My agreement was to have my account debited XX/XX/XXXX. Further investigation into company I found they are not licensed in the state of Washington. I have sent a total of 4 emails requesting a revocation of my authorization to withdraw funds and have requested an email stating  they intend to honor my request. I forwarded them a copy of the rcw regarding washington state laws regarding non licensed lenders. I have not recieved an email back stating their intent to honor my request.
Consumer complaint received 2022-08-29
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (FL)

I went to XXXX XXXX XXXX, the school claimed students would would get high paying jobs right out of college. The school pressured us into signing up saying the rates would change and increase, and also said they would provide job placement. It later changed to job placement assistance. The school over charged for the services and as a result was closed down. I understand there is a a ongoing class action lawsuit against the institution for these reasons. They never got me a job, I never got a job from any of the so called assistance they provided. They signed me up for private student loans to help pay for the expensive tuition, and said I would make plenty of money right out of school to pay it back. The whole time they were taking out many loans per semester instead of one loan. As a result the interest rates eat up all the repayment made. I have consolidated these loans and still have 3 totaling XXXX with high interest. I went to XXXX from XXXX. I would like to know if these loans will be cancelled as a result of this lawsuit. I had to file a complaint with the CFPB back in XXXX  due to struggling to pay back these loans. They offered a temporary reduction in rate. My loans had to be put into a 3 month forebearance. I have paid on the loans to 8-10 years and there is still a large balance. Navient and XXXX  were stealing from studnets trying to better their lives. Predatory loan is an understatement.
Consumer complaint received 2022-08-29
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. (MI)

congress made it clear what they have to do...

15USC 1681a Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15USC 1681b 2 ) In accordance with the written instructions of the consumer to whom it relates.

they violated these actions of the United States Code, they furnished false and inaccurate information and I never gave them permissible permission or consent to furnish my consumer report.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

congress made it clear what they have to do...

15USC 1681a Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15USC 1681b 2 ) In accordance with the written instructions of the consumer to whom it relates.

they violated these actions of the United States Code, they furnished false and inaccurate information and I never gave them permissible permission or consent to furnish my consumer report.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I have sent letters to the credit bureau and have not yet got the following files removed from my credit report. The request was sent to XXXX, Equifax and XXXX upon my first complaint on this matter. 

I want the following fraud items REMOVED from my report : XXXX XXXX : XX/XX/XXXX XXXX/DOFED : ALL ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-08-29
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filled an dispute in regards to the incorrect items on my credit report and it has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2022-08-29
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. (PA)

Equifax violated my rights under the FCRA. 1681e ( a ) ( b ) - Accuracy of Report XXXX violated 15usc1681section 602A states i have the right to privacy and 15 U.S. Code 1681b ( a ) ( 2 ) I disputed this with Equifax on XX/XX/22 and they verified this as accurate.
Consumer complaint received 2022-08-29
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: Upgrade, Inc. (FL)

XXXX accordance with the Fair Credit Reporting Act XXXX Account # XXXX, # XXXX # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : A creditor may not treat on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ALLY FINANCIAL INC. (NJ)

A few months back, I applied for and was approved for a small Ally credit card. Within a month, Ally updated their software, and from what I have been told by numerous reps on the phone, " screwed up a lot of accounts ''. Mine was one of them. 

As a result, I am unable to access my online account either through the app or desktop. 

Ally allowed serious fraud on my account while I am unable to see my account. I reported it initially and the individual on the phone never submitted a fraud report. The second woman I spoke to took the time and completed the first womans job and her own. She was wonderful and I can not thank her enough. 

Though unfortunately, numerous other calls have had to be made regarding the fact I can not still view my account. I keep being told my case is upgraded to tech support, who has never responded to me and never fixed the problem. It's been months on an account that was allowed to have fraud on it. 

Ally also kept withdrawing from my bank account, funds to cover the fraud each month. 

The last call, two nights ago, I was treated like a common criminal. The woman was extremely unhelpful, she was rude, she kept telling me she could not hear me and I should call back ( attempting to get off the phone with me ) and when I asked to speak with a manager, she informed me they were busy and would call me back later that night. No one ever did. 

I am extremely upset on how I have been treated and allowing fraud on my account while not allowing me to view my account to help rectify the damage that may have been done to my credit and most of all, my character as unjustly defined by credit and financial status.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX