davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-14
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: Experian Information Solutions Inc. (SC)

XXXX take notice of EXPERIAN FAILURE TO ACCURATELY MAINTAIN MY CREDIT REPORT. XX/XX/XXXX, Experian I have attached XXXX screen shots from your website that show disputes of a account from XXXX XXXX XXXX. Check the dates please. As you can see the XXXX XXXX account was removed from my consumer credit report in XX/XX/XXXX. I checked my Experian consumer report again in XXXX of XXXX and noticed the XXXX XXXX account was back on my consumer report. I disputed it again and received a message from Experian today XX/XX/XXXX that the XXXX XXXX account has been updated and is still on my credit report ( AGAIN ). BY LAW A ACCOUNT CAN NOT BE PUT BACK ON A CONSUMERS CREDIT REPORT AFTER IT HAS BEEN REMOVED. REMOVE THE PORTFOLIO RECOVERY ACCOUNT AGAIN PLEASE. The fair credit reporting act 15 U.S code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies- ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2022-01-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (IN)

VIRTUALLY NONE OF MY PAYMENTS ARE BEING APPLIED TO PRINCIPAL! THIS YEAR ALONE I'VE PAID OVER {$2200.00} IN PAYMENTS AND ONLY {$30.00} IS APPLIED TO PRINCIPAL.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX I have a student Loan from U.S. DEPARTMENT OF EDUCATION XXXX that is not reporting correctly. My loan was in federal deferment and was not in collections during the Pandemic Shutdown I am trying to protect the integrity of my credit profile Ineed the collection status remove asap. My loan should not be reporting in collection for over a year. Plus we are still under the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ), XXXX. XXXX XXXX,.
Consumer complaint received 2022-07-11
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. (OH)

Im accordance with The Fair Credit Reporting Act the United States Bankruptcy XXXX Ohio District Case Number XXXX 15 U.S.C 1681 section 602 A States that I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-01-14
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: Consumer Portfolio Services, Inc. (TX)

A LETTER TO HAVE THESE INACCURATE INQUIRIES WAS SENT TO XXXX, XXXX AND XXXX ON XX/XX/2021.
Consumer complaint received 2023-08-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I am a loyal Chase customer for many years. I was at work yesterday when I got a call from the Chase XXXX  number. I answered and was told I had fraudulent activity on my card. I saw that there were several unusual charges. Then I was told that someone I didn't know was initiating a wire transfer and to counteract it I had to send the same amount back to myself. The instructions were confusing but I thought that it was my bank. Turns out it was a scam and I wired someone {$9100.00}. I called Chase many times and they refused to reverse the transfer even though it had JUST happened. I am furious that there were not better protections in place. Now I am not very hopeful that I will get my money back. Of note, I filed a police report at my local precinct. I was told that that has happened with 6 other Chase customers in the past 48 hours.
Consumer complaint received 2022-01-14
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. (OH)

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX OH, XXXX SS XXXX XXXX XXXX I am not an attorney nor am I a third party, I am filing this complaint on behalf of myself as it is my legal right to do so. I have some fraudulent addresses on my credit report along with some unrecognized collections from companies I have never done any type of business with. I have moved from XXXX OHIO years ago. 

MY ADDRESS IS : XXXX XXXX XXXX XXXX OH, XXXX Please Delete the following Addresses that do not belong to me : 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 XXXX XXXX CT XXXX, XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. 
These are the account that I have no records of ever doing any business with these following companies : XXXX, XXXX, XXXX XXXX XXXX, CREDIT XXXX XXXX XXXX, NATIONAL XXXX XXXX XXXX. I have file a Police Report as well with the XXXX Police XXXX.
Consumer complaint received 2022-01-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (TN)

I have been notified by XXXX that my mortgage company, Guaranteed Rate, failed to pay my home owners insurance premium expenses from my escrow account. The payment was due on XX/XX/2021 with a grace period up to XX/XX/2021. The mortgage company didnt disburse the funds until XX/XX/2021. XXXX didnt receive the payment until XX/XX/2021. 
I am now without homeowners insurance. The mortgage company has not offered to remedy this situation in any way, except add lender 's insurance to my account.
Consumer complaint received 2022-01-14
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Solar Mosaic LLC (CO)

I contracted with XXXX XXXX XXXX XXXX XXXX installation company ) on XXXX to have XXXX XXXX put on my house. They said in XXXX months, I'd have XXXX XXXX installed and they wouldn't charge me till the day they drove up in my driveway to install the solar panels. 

I discovered that there is already a 2nd lien on my house from Mosaic XXXXXXXX XXXX that has been in place for 3 months now. I called yesterday to Mosaic XXXX XXXX to complain that the solar panels are not installed yet and its been more than twice as long as I was told. I said I wanted to cancel my contract, as there is no product to be billed for. 

I also called XXXX XXXX and told them the same. They said I had to talk with my sales rep, XXXX XXXX first. I called him and told him the same. He tried to get me to go ahead with the solar project. I said no means no. He said I had to talk with his regional manager, XXXX, with XXXX XXXX. I spoke with XXXX and the same thing happened when I told XXXX I am cancelling my contract. XXXX tried to schedule me a date to come put solar panels on my roof. No means no. They haven't been in contact with me for 7 months. They installed a XXXX on my house with no merchandise to show for it. I said no means no and cancel my contract means cancel my contract. 

XXXX XXXX XXXX ( almost 7 months later ), I have received an email bill for my first payment with no solar panels on my house after I cancelled my contract. I'm pretty sure this is illegal to do.
Consumer complaint received 2022-01-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION (MN)

I made a principle-only payment on/around XX/XX/XXXX via the Regions XXXX website and indicated that the entire {$2700.00} of my payment was " Additional Principal. ( There is a space to enter the 'Additional Payment ' amount on the payment screen - I entered {$2700.00} and left all other fields blank ). 

On/around XX/XX/XXXX Regions Bank reversed this principle-only payment as a 'misapplication reversal ' and applied it to my account as my XX/XX/XXXX payment- this was done without my consent. I am enrolled in Regions automatic payment program, so when my XX/XX/XXXX ACH payment debited it was applied as my XX/XX/XXXX payment. 

In speaking with a call center agent ( XXXX? ) on XX/XX/XXXX, I learned that although Regions Bank was given clear instructions about how to apply my XX/XX/XXXX online payment, they apparently have an existing company process that looks at principle-only payments made towards the end of each month and automatically reserve those and apply them in a manner not directed by the customer. 

While I recognize the possible likelihood that this step is being taken by Regions Bank with positive intent to proactively correcting a customer potential payment entry error, they are taking this reversal action without the consent or timely notification of the customer. I ask that Regions Bank cease this practice immediately and that all future payments be applied as directed by the customer.
Consumer complaint received 2022-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (MI)

TD Bank Overdraft Issues XX/XX/2022 - Charge of {$70.00} Taken from Checking XXXX. ( Me ) creation of overdrawn to - {$11.00}. 
- XX/XX/2022 - Charge of {$8.00} taken from Checking Acc. ( Me ) overdraft now {$20.00} - At this time, I recieved no warning or email from TD Bank stating I have gone into overdraft. 
- XX/XX/2022 - Charge of - {$1.00} taken from Checking Acc. ( Me ) overdraft now {$21.00} - XX/XX/2022 - I check my account and FIX overdraft by transferring {$50.00} from Savings to Checking Acc. bring account to {$28.00} - XX/XX/2022 - 5x Transactions ( Me ) totalling {$18.00} - XX/XX/2022 - TD Issues {$70.00} Overdraft Fee without email or message notice. Checking Acc. overdraft now at - {$59.00} - XX/XX/2022 - Deposit of {$20.00} made into Checking Acc. from XXXX XXXX XXXX made. overdraft now at - {$39.00} - XX/XX/2022 - Charge of {$20.00} taken from Checking Acc. ( Me ) overdraft now {$59.00} - XX/XX/2022 - TD Issues new Overdraft Fee of {$70.00} still with no warning. Overdraft now at {$120.00} - XX/XX/2022 - 3x Transactions ( Me ) totalling {$14.00} leaving Overdraft at - {$140.00}. 
- As of XX/XX/2022 - I recieved compensation from my job and lost nearly {$250.00} because TD bank charged a {$100.00} Overdraft fee which attached to the already - {$140.00}. 

These overly priced charges for such small transactions are uncessary and affect my livelyhood and ability to purchase and pay bills in a timely manner. Also the first overdraft SHOULD NOT have happened considering I fixed the intial overdraft quickly. 
- Now usually if I overdraft and get charged I can recieve a partial or full refund to compensate for lost time and money, yet when I called this time they refused to give back any of the near {$250.00} USD taken from my account. Their actions are uncessary and hinder my ability to pay bills and obtain necessary supplies.
Consumer complaint received 2022-07-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

On XX/XX/2022 I attempted to send a payment via Venmo as I have done many times over the last several years without issue. This time my payment did not go through and I was given a message that my account was frozen. I emailed customer support immediately and waited for over an hour on the live chat only to be told the case would be transferred to a different department. I emailed several more times after that over the course of the next week and received a repeated response each time that it was received and will be processed. I have funds in the account that I am unable to retrieve and I have not been successful in reaching anyone at Venmo to resolve this issue.
Consumer complaint received 2022-07-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (IA)

I was on a Covid-19 forbearance plan with Roundpoint Mortgage. At the time we started our mortgage balance was under {$290000.00}. I was advised I would not be accruing interest during the Covid-19 hardship. When my husband got a job and we were off the plan they modified my loan and without my knowledge added to our mortgage and brought the balance up to {$320000.00}. I have been paying on the mortgage for 9 months and the principal balance keeps rising as well. I was never told that my balance would go up and I was told that there would be no interest added. I was informed that the mortgage would be extended so the payments were lower and that the escrow shortage would be split into 5 years of payments. This is not what happened and Im trying to get my money back on all of the interest they added. I also want to know why my balance increased despite making over {$16000.00} in payments. I tried to solve this with Roundpoint but they said they cant help because my mortgage was transferred to XXXX XXXX. XXXX XXXX  is saying they cant help me because this was something Roundpoint did.
Consumer complaint received 2022-01-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (NY)

I am filing this complaint because XXXXZALES has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.
Consumer complaint received 2023-08-05
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$580.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-08-05
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: FORD MOTOR CREDIT CO. (NY)

Lincoln Automotive financial keeps opening and closing a charged off account from XXXX. So my credit score reflects back to back charge off when that isnt the case. Also, it should have never went into collections. The vehicle was totaled and they were dealing with my insurance company. I had full coverage and Gap coverage. I received a call ramdomly saying I owed an outrageous amount for the vehicle.
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I reviewed my report and saw so inquiries that I had not authorized. They are not mine and need to be deleted. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Please remove them.
Consumer complaint received 2022-01-14
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Navient Solutions, LLC. (IL)

I would like to reopen case XXXX. I have attached to this document a new article in which Navient has forgiven {$1.00} XXXX dollars of loans. The nature of the other case was that Navient alledgedly couldn't find my payment and violated 15 USC 1681s-2. I was notified that i was one of those consumers affected by the loan scam. And now " Navient Refuses to remove the negative derrogatory marks off my " XXXX '' report. I would like the CFBP to make " Navient '' DELETE the negative remarks from " XXXX ''
Consumer complaint received 2021-11-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2023-08-05
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: Experian Information Solutions Inc. (CA)

Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$16000.00}
Consumer complaint received 2021-11-18
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: EQUIFAX, INC. (MA)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

U.S Department of Education has accounts on my credit report and the loans are closed and being serviced through another carrier. The marks on my report are keeping my credit from improving. Loans from XX/XX/2012 XXXX XXXX XXXX is the College attended XXXX XXXX, XXXX U.S Department of Education/XXXX XXXX has accounts on my credit report and the loans are closed and being serviced through another carrier. The marks on my report are keeping my credit from improving. Same loans from XX/XX/2012 XXXX XXXX XXXX is the College attended. XXXX XXXX, Mo
Consumer complaint received 2022-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Coinbase, Inc. (MS)

Throughout the months of XXXX and XXXX of 2022, Coinbase shut off my XXXX card and told me that I can no longer use it to make transactions because I alledgedly violated their Card Holder Agreement. I asked them to explain to me how I violated this Agreement, but they never actaully provided evidence that I violated anything. Instead, they just cancelled my card which prevented me from using it. I caused severe hardship for me and I was stranded while traveling because I needed to use it to put gas in my vehicle while I was traveling in XXXX, but they didn't care. I have several case numbers they provided me, but rather than resolving any of them, they just closed the cases. 

Here are a few case numbers : Case # XXXX, Case # XXXX, Case # XXXX, case # XXXX, case # XXXX, case # XXXX, and case # XXXX. 

The transaction amounts varied ranging from {$100.00} to {$2500.00} which they denied me access to my funds. This is a Coinbase XXXX card and I had more than enough funds on the card, but they still denied me access to my funds during the months of XXXX and XXXX. This put me into a deep state of XXXX and XXXX because I needed to use my XXXX card to run my business so my business suffered because I couldn't buy supplies or use it for marketing. I am still XXXX  over this ordeal and despite numerous attempts to get my card reinstated, they simply deactivated it on me. 

My XXXX XXXX has sky rocketed over this and I put on more than 30 pounds over the past several months because I have turned to food to comfort my nerves and emotions dealing with Coinbase.
Consumer complaint received 2021-09-23
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: Experian Information Solutions Inc. (MD)

Please work with Experian to update my Student Loan accounts as paid as agreed and Chapter XXXX bankruptcy deleted from my file. reinvestigate these matters and delete or correct the disputed information as soon as possible. And the 2 public records Chapter XXXX bankruptcy accounts deleted. Experian is reporting several accounts as being in a chapter XXXX bankruptcy however XXXX XXXX is stating that they have no record of a credit file on me. 
Public Record from a Chapter XXXX Bankruptcy on XX/XX/XXXX. 
I previously disputed this public record stating : ''I dont recognize this public record. '' Public Record from a Chapter XXXX Bankruptcy on XX/XX/XXXX. I previously disputed this public record stating : ''I dont recognize this public record. '' XXXX XXXX XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. This account was consolidated and paid in full. This account was not included in a Chapter XXXX bankruptcy and should be reporting as paid as agreed and closed. 

XXXX XXXX XXXX  Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. This account was consolidated and paid in full. This account was not included in a Chapter XXXX bankruptcy and should be reporting as paid as agreed and closed. 

XXXX XXXX XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. This account was consolidated and paid in full. This account was not included in a Chapter XXXX bankruptcy and should be reporting as paid as agreed and closed.