davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
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. (AR)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX  XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : DEPT OF ED/XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXXXXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-10-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (SC)

bogus charges added to payoff. 

my loan is current so i 'm not sure why i 'm being charged {$950.00} for civil litigation??? 

i also recently ordered a payoff and was charged {$30.00}. At NO point during ordering said payoff was i advised of ANY fee. 

I also was charged {$13.00} for a satisfaction cost? i 'm not sure what 's been satisfied???
Consumer complaint received 2017-02-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (FL)

Hoping for a mortgage modification that is affordable. Submitted all the paperwork to Ocwen back in XXXX 2016 as of yet nothing has occurred. I had a hamp before " not affordable '' so I know it does n't take this long. I have complied with all their demands. The sale date of my home has been cancelled 4 times. there is a pending sale date for the XXXX of XXXX. When I call Ocwen they state that the foreclosure proceeding is on hold and the modification is under review. My relationship manager does not understand why it is taking so long. I am afraid the sale date will approach and a resolution will not have been achieved.
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. (CA)

According to my FCRA rights based on 15 U.S.C 1681 Section 602A and 15 U.S.C 1681 Section 604 Section 2, I have a right to my privacy and any consumer reporting agency can not furnish an account without my written instructions and the following have violated my legal rights based upon FCRA. 

XXXX Account # XXXX Dept Of EdXXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXX Chapter XXXX bankruptcy discharged Case # XXXXXXXX XXXX XXXX  Account XXXX XXXX
Consumer complaint received 2018-05-14
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: On-Site Manager, Inc. (OR)

I have hard inquires I did not authorize one on XX/XX/XXXX from " on site manager '' & two from " XXXX XXXX '' on XX/XX/XXXX & XX/XX/XXXX, these two from XXXX XXXX  were supposedly for an XXXX, I was told by XXXX there would no hard inquiries & did not authorize them to do any.
Consumer complaint received 2022-06-15
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. (TX)

In accordance with the Fair Credit Reporting Act the following accounts : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 stated a consumer reporting agency can not furnish a account without written instructions.
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have been a Kohls credit card holder for over 4 years. Recently I had a balance of over {$600.00} that I thought I completely paid off so I wasn't expecting a payment to be due at all. This was in XXXX, fast forward to XXXX I get a alert from XXXX XXXX that I had a 30 day late reported on my Kohls card. i immediately looked into it and realized there was a {$10.00} balance left from XXXX ( I don't know why ). I have been in XXXX  since XXXX, so I did not get any statements as my address is in XXXX, besides that I did not receive a phone call in XXXX or XXXX from Kohls to let me know that I had a missed payment. Now I am in the middle of purchasing a home and I have never been late on this card, Kohls refuses to take ownership of the fact they never notified me that I missed a payment. a {$1.00} minimum payment was apparently due in XXXX. Now my life is ruined for {$1.00}. Please there has to be something you can do to help me
Consumer complaint received 2020-06-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CT)

On XX/XX/XXXX and on XX/XX/XXXX I had a total of two unsubsidized direct loans received to me to pay for school at XXXX XXXX XXXX XXXX in XXXX, CO and XXXX XXXX XXXX XXXX in XXXX, CO. I received the loans with the understanding I would have to pay them back. However, I was not informed by Navient and in fact mislead with my loan going into forbearance with no status update/options from the company. I received automated calls which I mistook for spam and when I tried to reach somebody at Navient they were not helpful in describing my options and how the interest that would accrue from a delay would negatively impact my credit score. 

Had I known that my loans needed to be paid at a certain date in XXXX or XXXX without any delay, I would have contacted my parents to help pay for them. Ultimately, my dad helped pay for the loans in XXXX which amounted to well over {$1000.00} in interest. 

I would like for this loan history to be erased from my credit score because I was greatly misled by Navient for about 5 years regrading my loans. I had no idea what my repayment options were even after attempting to look into my account several times.
Consumer complaint received 2018-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I was a long time customer of capital one. Last year, I had two business credit cards and 1 personal credit card that were all abruptly closed down by Capital One. When asked why the accounts were closed, I was sent a generic letter that said that they had observed activity that did not meet their expectations for the account. I filed a complaint with the XXXX because I had very high limits on those cards, and Capital One refused to ever tell me what specific activity they were referring to. Several months after the accounts were closed, Capital One began to send me mail offers and solicitations to my business and home address. Based on the solicitations, I assumed that Capital One previously made a mistake, so I opened my two business accounts again. Now the oldest of the two accounts is less than 3 months old, and once again, I find out while traveling out of state last week on XX/XX/XXXX that Capital One has again closed my accounts. When I called that day to find out why, I was told to call back the next day because the people that I needed to speak to were gone for the night. So, on XX/XX/XXXX I did call again, and I was told that the account was closed, and the agent read the same generic letter I received when my accounts were closed last year, which states that Capital One observed activity that is not consistent with their expectations for usage for a commercial or small business account. Once again, I called back and asked for the specific activity they were referring to, and I was again told that no more information would be provided outside of the generic letter. I am simply outraged about this because I believe that my accounts are being closed ONLY because I don't carry a balance, so Capital One is not collecting fees for interest. I sincerely believe that because I use the cards heavily and then pay the balance off, my accounts were closed so that Capital One would not have to continue to pay me hundreds of dollars in cash back. I have excellent credit, and I run a successful medical practice. There is not ONE charge on either of these two new accounts that was not for business purpose, which I can prove, so Capital One has no reason to close my accounts be it not for the fact that they are weeding out accounts like mine that cost them money instead of make them money. This is discrimination! When I opened the two new accounts, Capital One ran my credit both times, and my credit score took a hit. If they had a problem with me opening up new accounts after they closed the previous ones, they should have NEVER solicited me to come back, nor should they have approved the credit cards. When they did, unless they can prove that I have violated something in the agreement, which I have not, then Capital One should not be allowed to discriminate against customers like me who they do not earn money from. This is simply unacceptable!!!
Consumer complaint received 2023-03-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TRUIST FINANCIAL CORPORATION (TN)

I requested a payoff on the loan on XX/XX/XXXX and received a payoff from XXXX good through XX/XX/XXXX with a daily per diem of {$.00}. 

The payoff quoted on XX/XX/XXXX was {$2400.00} good til XX/XX/XXXX with a daily per diem of {$.00}. 

The payoff was received by XXXX on XX/XX/XXXX in the amount of {$2400.00}. The account was actually over paid by {$1.00}. 

payoff good til XX/XX/XXXX and 6 days of interest since payoff received XX/XX/XXXX... the payoff would have been {$2400.00}. 

They collected {$18.00} in interest when payoff was received and as of XX/XX/XXXX still showed my balance due of {$570.00}? 

The total amount due shows as {$1100.00}, online.
Consumer complaint received 2022-06-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MI)

I have a Consolidation Loan that is serviced by AES. The loan has a subsidized portion and an unsubsidized portion. I am ahead on my monthly payments. I usually make monthly payments of {$460.00} in the middle of the month. Prior XX/XX/2022, AES would apply my monthly payment to both the subsidized and unsubsidized portions of the Consolidation Loan. However, starting XX/XX/2022, AES now only applies my monthly payments to the unsubsidized portion. On XX/XX/2022, I called AES because I noticed that the new method of applying my payments is resulting in a much smaller portion of each payment going toward principal and a much larger portion of each payment going toward interest. I spoke with a customer service representative ( XXXX # XXXX ) who acknowledged the issue and agreed to put in a request to have the allocations from XX/XX/2022 reversed and reapplied using the old method. She also told me that, in order to avoid this from happening again, I could email AES with " standing payment instructions '' to apply my payments the way they were applied prior to XX/XX/2022. I followed her suggestion and emailed AES. AES emailed me back saying I needed to " submit detailed instructions ''. ( An email string showing my email to AES and AES 's response is attached. ) I don't know how to make my instructions any more detailed than the ones that were contained in my original email.
Consumer complaint received 2022-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

According to 15 U.S.C. 1681n ( a ) ( 1 ) any damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; Capital One Auto is in violation of the FCRA, an account can not be reported as " paid in full '' while also reported as a collection/charge-off account.
Consumer complaint received 2022-06-18
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: Account Management Services, Inc. (CA)

Date XXXX Account # XXXX Amount XXXX. XXXX XXXX XXXX XXXX. XXXX, due to inconsistencies of dates and information. 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 a 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 2022-03-04
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. (KY)

After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2021 I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. COLLECTION NAMES XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information You have 30 days to respond this letter with all this proof I requested or delete this collection from my report
Consumer complaint received 2021-09-18
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)

My credit report for Transunion and XXXX has dropped by 60 points since XX/XX/2021 for no reason. I have paid off a car loan to XXXX  XXXX since last month. I paid off all of my credit cards except for one. I refinanced my home from 3.25 to 2.25 %. The one credit card that I opened has a 16 month intro at 0 %. All of these positive points have been done since XXXX and yet my score goes down 60 points. This is unacceptable and needs to be reported. I contacted Transunion to find out why my report went down and could not get an answer from them
Consumer complaint received 2023-04-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (MD)

My loans were forgiven under the Public Service Loan Forgiveness Program while they were still with Federal Loan Servicing. However, while my loans were discharged, I never received a forgiveness letter, or a forgiveness date. My account was then transferred to Mohela, which is now handling the Public Service Loan Forgiveness Program. 

Whenever I call Mohela, however, I am given the run-around that told that they do not have my account because I was already given forgiveness. It is true that I have had my loans forgiven. HOWEVER, I did not receive an accounting of overpayments I made on my loan. I should have about 180 loan payments, while only 120 are required for forgiveness. Therefore, I have about 60 overpayments that should be returned to me. 

I finally talked to someone at Mohela who understood the problem, and she created a case for me to research whether I made any overpayments and whether any money was due back to me. The case number is XXXX XXXX, and I have a reference number of XXXX XXXX. Whenever I try to call Mohela for an update, I get a run-around and then I get cut off. I have been unable to get anyone to give me an update of my case.
Consumer complaint received 2022-06-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (IA)

I was just released from prison on XXXX from the Iowa Department of Corrections. I was incarcerated from XX/XX/2020 until then. During that time my economic stimulus payments were deposited into a account I held with Chime Financial , Inc. During my incarceration I sent written correspondence to XXXX XXXX XXXX, XXXX XXXX XXXX CA requesting access to my funds but never got a response. I then was also provided a address of PO Since being released I have come to find out all my account info has been changed and they say that they closed my account. I then was provided a address of XXXX XXXX XXXX, XXXX XXXX, CA which when I wrote the correspondence came back return to sender - unable to forward. After being released I have been getting nothing but a run around from them and they refuse to give me access to my funds. They keep saying to email XXXX, which they just keep saying send pictures holding IDs which I've done several times and even sent them my proof of being incarcerated. I have requested them to call me and they refuse to do so. I need my funds back as I had deaths in the family and we have no money after that.
Consumer complaint received 2021-09-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

The collection agency, MBA Law ( Mitchell D Bluhm and Associates ) have a notorious history of trying to collect false collections. I first received a notice for a medical collection on my XXXX, that dropped my score 55 points for a supposed collection for {$300.00}. I contacted the agency and ask for proof of the debt I owe and an itemized receipt with medical coding, they were not able to do so. They said they would have to contact the XXXX for this information, and should have it 30 days later. Never received anything. I contacted the hospitals billing department and they have no record of selling anything to this collection agency. They actually gave me a copy of all my visits and amounts owed from all my visits. I then decided to dispute on XXXX and the account was eventually disputed and deleted. Today, this same account showed up on my XXXX for the SAME date and amount. 

According to the XXXX, this company has a notorious history of trying to collect non-existent past due balances from people. This agency is ruining peoples credit history, fraudulently. They never contact you to make you aware of this collection and just shows up on your credit history. Something needs to be done about this fraud agency, and they need to be taken to court as they have violated FDCPA many times.
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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

My social security number which was recently issued to me migrating to this country in XX/XX/XXXX. When i was nally able to check credit reports and scores there were address listed that i never lived at and phone numbers that i never had and accounts that were open years before i migrated to the US. XXXX XXXX XXXX account ending in XXXX according to Experian credit report is not mine. This account needs to be removed because this is impacting me every day of my life. Again this account is not mine never was and never will be because i migrated to the US in XX/XX/XXXX and this account was open XX/XX/XXXX. There's also a slew of inquiries from several creditors that i have never submitted applications with. The inquiries re from XXXX. Experian, XXXX XXXX XXXX have repeatedly allowed inquiries to appear on my credit report without proper verification especially since Identity theft has been noted on my account since XXXX.
Consumer complaint received 2018-05-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

Ocwen scheduled Foreclosure Sale without providing a Recent Loss Mitigation Package. There are discrepancies is the Amount Owed on my Mortgage. Ocwen would not provide proof of Servicing Rights.  No Proof of Transfer. No Proof of Amount Transferred. XXXX XXXX was used and there are discrepancies. Ocwen has Robo Signed our documents. I have been given another 30 year loan when i.didnt ask for One. OCWEN has not addressed these Issues. I am in XXXX XXXX and XXXX XXXX. This has caused me additional XXXX  and hardship.
Consumer complaint received 2018-04-23
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ECMC GROUP, INC. (VA)

This company has taken my 2017 tax refund and no longer has this acount why did they take my refund and why are they reporting incorrect information on my credit reports these are fraudulent acts that this company are doing to consumers