davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Joined the XXXX XXXX in 2016 and had to be gone for 25 weeks. Called the XXXX and requested a payment deferment/forbearance and got approved but still reported 5 months on 5 different tradelines late. Have tried to explain to that I had a forbearance was approved for that period and had not to be reported late. At first, they denied any forbearance approval in the past since they could not see anything in their system. But the grace of XXXX, they recently researched and found the letter. However, I have tried to get them to remove those late multiple times but they insist that their reporting accurate.
Consumer complaint received 2022-07-10
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2019-01-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America tried to let CFPB case to close, then they recharge me again the same amount that I dispute about it. 
So bad customer service I'm receiving from this bank. 
I'll try to reach to the highest financial organizations and government level to write a claim about this bad financial institution customer service as I spent almost one-year doing phone calls or visit the local branches to redescribe the entire situation. 

The transaction happened in XX/XX/2018 by Hotel in XXXX . 
After " solving the problem '' my bank recharge me again on XX/XX/2018. 

Thank you,
Consumer complaint received 2018-09-03
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)

I checked my credit report and noticed inquiries from unknown sources { XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX and XXXX XXXX. I have not applied for any new credit accounts. I filed a complaint with the FTC as well.
Consumer complaint received 2018-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (PA)

The debt collector is Southwest Credit Systems. The amount is {$320.00}. It was posted on my credit report on XX/XX/2018. It supposedly for XXXX equipment that returned. I have contacted XXXX on numerous occasions and have had no help in determining the cause of this incorrect credit posting. I returned the equipment approximately 5 years ago. I do not have a receipt for the returned equipment, but I am quite sure XXXX  would be able to resolve this by checking their records and serial numbers of the equipment.
Consumer complaint received 2022-07-10
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX 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 2022-07-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

i recently pulled my credit report and XXXX XXXX has my personal information that i did not consent to. this is violating my rights of privacy and needs to be corrected
Consumer complaint received 2022-07-10
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 — Their investigation did not fix an error on your report
Company: Synovus Bank (CA)

i recently pulled my credit report and XXXX XXXX has my personal information that i did not consent to. this is violating my rights of privacy and needs to be corrected
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Hey, XXXX XXXX I performed and sent a receiveable dating XX/XX/XXXX ( Article # XXXX ) which was received XX/XX/XXXX ( Article # XXXX XXXX XXXX XXXX XXXX XXXX ). Which didnt include the assignment form, Opinion of Counsel, and Form of Investment Letter which is attached. Im the beneficiary surety of certificate # XXXX. Although you might hold title, I have equitable interest which is superior to any claim you may have dating back to XX/XX/XXXX. Its your respective duty to act in the interest of the bondholder according to the Act of XXXX. Im politely asking you to carry out your fiduciary duties under the indenture on file in good faith.

According to Registration pursuant to section 424 ( b ) ( 5 ) of the Act of 1933 I understand that Im an investor. XXXX XXXX XXXX XXXX XXXX have agreements with its subsidiaries XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX explains how a pool of motor vehicle retail installment sale contracts are obligations of the Trust only. The sources of funds of the Trust are collections during the Collection Period and charge offs. 

Charge-offs are a source of funding to XXXX, XXXX XXXX and its subsidiaries, but have been a burden to me the Grantor. I provide a certificate, receivable, note, or contract which you deposited and received no valuable consideration.

This is an event of default. This is the beginning of opportunities to be made whole.
Consumer complaint received 2023-03-25
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: American Financial Network Inc. (MS)

I have a car with XXXX XXXX XXXX. They have closed and filed bankruptcy. XXXX XXXX has taken over apparently but cant get information from them about if they will have title once paid for or basically any other info. I have had the car since XX/XX/2022.
Consumer complaint received 2019-05-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

My name is XXXX XXXX. I took my loans out when I was a student at XXXX University. I was an education major and upon graduation got a job at XXXX XXXX XXXX at which point I began to repay my loans. At the time my loans we're being serviced by XXXX. I consolidated my loans as per the advice of the company servicing my loans. XX/XX/XXXX my loans we're handed over to navient which is where they are being serviced now. I reached out several times about the federal loan forgiveness program in which I was advised I would be eligible for however after making payments all of which we're on time from XX/XX/XXXX to XX/XX/XXXX I was just made aware that I am not eligible by Navient. I received and continue to receive incorrect or inaccurate information from Navient which is now leading me away from being eligible for the student loan forgiveness program I was trying to be part of. I have tried to call the federal student loan forgiveness program to see if there is anything I can do however when I consolidated my loans apparently I needed to do so under a different loan category called direct loan. I was obviously never made aware of this when I made the decision and was never made aware of this even after I made this decision. Only now, did Navient make me aware however they also said that my 120 payments that I made which would qualify me for the forgiveness program would be reset if I re-consolidated to direct loans. I feel so disappointed that the company hired to service my loans and act on behalf of my best interest is not and did not do so when the timing was so crucial. Unfortunately, there is no company or department out there that is able to hold companies like this accountable for their lack of knowledge or for providing customers with incorrect information. It seems to me that I am not the only person that was mislead. The problem is now that according to Navient and the Federal Loan forgiveness dept, it is too late to make any changes that will allow me to be eligible.
Consumer complaint received 2020-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NV)

I am conservator for my mother. On XX/XX/2019, she instructed Chase Bank to stop payment on two checks she had written. Neither check had cleared the bank, yet. 

Both checks were subsequently paid a few days later. 

My sister and I, ( co-conservators ) have been working with Chase over the past several months to determine what happened. They have not provided any information about why the checks were paid and are refusing to reimburse the amount. 

We have engaged our legal counsel ; incurring additional legal fees. 

Chase continues to refuse to refund the money even though they do not know why Checks were paid.
Consumer complaint received 2018-09-02
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. (SC)

Due to proven merging, or others with similar information or some entity deliberately creating a merging of information within the credit reporting agencies, I herein request that information be updated, deleted, and removed. 

Specifically in the listed name identification listed as XXXX XXXX XXXX, no lender or creditor specific to this consumer reports that name, but it is subject to the unfortunate merging process by merging what is XXXX XXXX XXXX, using the address of XXXX XXXX XXXX, XXXX, SC XXXX which isn't this consumer because his social security number is XXXX. and this consumer XXXX XXXX , the designated identification from the consumers issued social security card, and number which is XXXX. reporting the names creates a unintentional reporting of inaccurate information, and inaccurate inquiries. This information was gained from a collection call from XXXX XXXX credit card, which indicated that the persons or person utilized XXXX XXXX XXXX, XXXX, SC XXXX as their mailing address, while utilizing the above stated social security number, which isn't this consumer. 

Based upon the existence of these facts, and the consumer desire to prevent additional merging of information, and credit reporting, I hereby state that the removal of the following information, and placing it where it rightfully belong, will subjectively and permanently resolve the problem. 

Public Record : belongs to XXXX XXXX XXXX, XXXX, not XXXX XXXX XXXX. 
1. XXXX XXXX 2.US Bankruptcy proceeding XXXXdrd Additionally please remove address XXXX XXXX XXXX XXXX XXXX, SC XXXX and XXXX XXXX XXXX XXXX XXXX, SC XXXX, since it is apparent that the person or persons or entity using XXXX is using those addresses as well, and applying those addresses to this consumer creates the same likewise reporting, and merging.
Consumer complaint received 2020-06-02
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2018-09-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kinum, Inc., Indianapolis, IN Branch (GA)

I have contacted this companies ( XXXX XXXX XXXX ) about these debts, they have fail to provide me with the : Original application or contract, Any and all statements allegedly related to this debts, Any and all signed receipts, and any and all cancelled checks, in accordance with the Fair debts collection practices acts section 1692G.
Consumer complaint received 2019-05-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (FL)

On XX/XX/2018 I purchased a used good condition vehicle from dealer XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. 
( XXXX ) XXXX-7876 at the same time I did Purchased a Vehicle Insurance for the vehicle Contract #  XXXX. FL License # XXXX VIN : XXXX 2011 XXXX XXXX XXXX XXXX XXXX XXXX The Financial transactions was Lien holder by West lake Financial Services XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX This Vehicle start problems on immediately after Last Week XXXX, Leaving me in the Road onXX/XX/XXXXXXXX first week, When I took the car back to them ( XXXX DEALER ) they was informed that vehicle chain change was completed in improper procedures and the Car need a New Motor, At this Point I call Insurance XXXX XXXX, they told me one of theirs Authorized mechanics will revise the vehicle. up to today I have not received any answer or resolutions to address this incident, However I did payment for the Vehicle XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to the Bank West lake Financial Services. 

The Dealer advice the Car need a New Motor and XXXX XXXX XXXX refuse to pay anything to fix the Vehicle. 

I will like juts to know in this case if I purchased a Lemon Car what are my best practice to ensure my record don't get missed up with this Financial Transactions because I won't be able to continuing a payments for a Car I do n't Drive.
Consumer complaint received 2018-09-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Collection Service Inc (GA) (GA)

XX/XX/XXXX PROFESSIONAL COLLECTIon {$340.00} XX/XX/XXXX PROFESSIONAL COLLECTION {$400.00} I have sent letters to the credit companies and to the collections companies have spoken to the companies not actions has been taken
Consumer complaint received 2019-05-03
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: CAINE & WEINER COMPANY, INC. (AZ)

On numerous occasions I have requested an accounting of payments made and an original signed contract from this debt collector, yet it has been over 60 days and they have not provided this information. They were send a letter and were also asked via phone. After asking via telephone the customer service representative laughed at my request.
Consumer complaint received 2018-09-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REGIONS FINANCIAL CORPORATION (FL)

I tried to get Regions Bank to refinance my HELOC 30 days before it reached maturity. We submitted the refinance loan application and their loan officer XXXX XXXX took 5 weeks to say " no, can't do. '' I was then referred by her to XXXX XXXX XXXX from the Loss and Mitigation Dept at Regions. Mr. XXXX send me a new application, I filled it out. It took me another 20 days to find out by Ms. XXXX XXXX, from Loss and Mitigation Dept that I was denied refinance because I had no sufficient Income to pay the Loan. Regions has not provided me with a monthly payment. I am not late in any type of payment since I dont have any assigned scheduled payment to make by Regions. I am not failing to make any payments. 
We feel Regions is being unfair by reporting us with " Late Payments '' to our credit bureaus since we dont have a way to make a payment since Regions has not open an account where we could make the payments. 
It's not our fault Regions approved us a line of credit 7 years ago and now they change their mind and tell us we aren't worth it of a credit with them. We have a Mortgage loan with Regions that we never failed to make a single payment and made all payments on time while the our HELOC was opened until it matured.
Consumer complaint received 2022-02-08
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC. (FL)

The loan company received the payment and it cleared my bank on the XXXX of XXXX. However, they didn't " post '' it until XX/XX/2022 so they are charging me late fees. It is crooked.
Consumer complaint received 2018-09-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: ENOVA INTERNATIONAL, INC. (FL)

hi visited site kept saying profile exists and to login When i use password recovery none of my emails are on file Part of nationwide dragnet XXXX XXXX on keeping me down I'M supposed to be super rich XXXX or XXXX XXXX  REACHED CIA and DEPT OF JUSTICE about this also civil rights
Consumer complaint received 2018-09-02
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (TX)

I have received a check ( ref # XXXX ) from Chase Bank in the Amount of {$3.00} in reference to a prepaid card I had an outstanding unpaid balance with the State of Tn Unemployment. 

My issue with Chase is now proven that this was a VERY VERY shady & crooked deal. The State of Tn made a seizure of IRS withholdings they were not entitled under the premise that I was not entitled to unemployment checks I received, I was unemployed and records show ... I received checks for every week I was unemployed. 

If I was not entitled to the $ $ why didn't they first seize this {$3.00}, secondly I now see how Chase was wrapped up in this corruption and ANOTHER example of the purpose the CFPB was created.. To combat the corrupt banking XXXX   consumers and leaving us helpless to defend and have equity.. 

I'm owed an outstanding $ 1700-ish plus compounding interest at whatever the rate is for a personal loan of that size!!
Consumer complaint received 2018-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FULTON FINANCIAL CORPORATION (PA)

XXXX XXXX is where my social security checks go into an account. If I over draw ( which is only because they charge me a fee and daily fee ) my account, they know that no money comes into my account only by SSI so my money is gone and they constantly charge me a fee of {$39.00} per Overdraft and a {$6.00} fee per day till my SSI comes in. Once it does, XXXX XXXX takes out their money and leaves me with no funds because I owe them so much. To leave this account, Social Security needs at least 1 to 2 months to change my account to another account. I can not have my bank taking all of my money and I want it refunded asap. I have contacted them XX/XX/2018 so they have not contacted me yet
Consumer complaint received 2022-08-17
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (MD)

To Whom it may concern. 
I'm writing this because I was in a Forbearance and came off and resumed payments of {$1400.00} beginning XX/XX/2022. A modification was set up to off set back payments. I've been in contact with my mortgage company ( Freedom Mortgage ). I've been informed by my mortgage company that I'm delinquent. I'm so confused, because I've been making payments of {$1400.00} and my payments are {$1400.00} since XX/XX/2022. I just learned that I owe a balance of {$360.00} from the modification. My mortgage company never informed me of any balance I owed. I just kept receiving delinquent notices. I spoke with a representative on Saturday, XX/XX/2022. I asked her to informed me of each payment and how it was applied. We stopped at XX/XX/2022. This is when my account stsrted showing delinquent. I can not understand why this {$360.00} was not part of the modification. I informed my mortgage company each time they call I do not have any additional funds. I have received threatened calls and each representative seems to be confused. I answer every call, because I did nothing wrong, but pay more then my mortgage on time. My quality of life has been affected. I just put a roof on my home and I have flood and wind damage in my basement. Sharing this information makes me feel violated for simply doing the right thing. 

Thank you so much XXXX XXXX XXXX XXXX XXXX