davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-04
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: Experian Information Solutions Inc. (NY)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately : Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Consumer complaint received 2022-02-04
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. (AL)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (MD)

I reviewed my credit report and found these accounts being reported improperly. These accounts have caused me undue financial harm and great stress. I've since needed to take XXXX XXXX  due to my heightened stress levels. 
I have put Navy Federal on notice about these accounts but nothing has been done. The following accounts are being reported in violation of my consumer rights. 

1. NAVY FCU Account Number : XXXX 2. NAVY FCU Account Number : XXXX These accounts are in violation of : 15 USC 1666 ( b ) ( 2 ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 USC 1681 ( a ) ( 4 ) No written permission was given to furnish information onto my consumer report.
Consumer complaint received 2022-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GATEWAY FIRST BANK (IN)

On or about XX/XX/2022, I submitted an appraisal for my house that I had a mortgage with Gateway mortgage. The appraisal was for {$190000.00}. This was to evince that I had more than the necessary equity to eliminate the private mortgage insurance ( PMI ). They refused to do so even though I had over 80 % equity in the property.
Consumer complaint received 2022-02-04
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NC)

I opened an account with Citibank on XX/XX/XXXX. My account for CITIBANK was closed on XX/XX/XXXX due to a XXXX overdraft from my savings to check and I was charged a fee. My {$2500.00} worth of funds were never released to me and it had been more than 60 days. I called them multiple times and I wasnt treated fairly.
Consumer complaint received 2023-08-08
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 (NC)

I was charged by US Auto Sales for CPI insurance although I had insurance since I purchased the vehicle. I submitted the proof of insurance to US Auto Sales but I was still charged CPI. US Auto Sales applied my payments to CPI insurance instead of my loan. They also added to my loan the cost of an extended warranty. I was not able to use the warranty at all as the company said the warranty was not valid because US Auto Sales never paid them. I am still riding around with Check engine light, ABS light, Traction light on. Also I have had to call US Auto on more than one occasion in regards to payment. I had to call twice to have my vehicle turned back on as I was not late on my payment. I had made my payment a couple of days before due and US Auto applied it as if I was making an additional payment not my regular payment.
Consumer complaint received 2022-02-01
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. (MI)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-02-04
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. (NC)

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-02-01
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: CMRE Financial Services, Inc. (TX)

i am giving you an opportunity to cure, due to improbability negligence or mistake after this and i do not get remedy my notary will issue me a certificate of dishonor and i will be filing civil action against your company, i got a response XX/XX/2022 from this company via cfbp and they have not deleted the account
Consumer complaint received 2022-02-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CT)

On XX/XX/2022 a payment of more than {$500.00} was withdrawn from my bank account without any authorization given to Comenity Capital Bank. They fraudulently reported the payment as approved on the phone in the transaction notes when I never even spoke to anyone there.
Consumer complaint received 2021-11-29
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. (PA)

Hi could you check my records? I have been sendng you letters about so many inaccuracies on my credit but nothing seems to be moving nor I get any response from you telling me that you are conducting an investigation. The last one was sent on XX/XX/2021. I know people who sent dispute letters to you, and they tell me I am supposed to get a response, but you don't seem to be responding. Please do check my files and investigate all those inaccuracies that should be on my report in the first place
Consumer complaint received 2022-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (MI)

I am unable to pay through their online account system because they claim my account is past due. My account is allegedly past due because they didn't send their " welcome '' packet in time to make a payment. We actually attempted to make the payment when Fay Servicing took over and they didn't let us because the account hadn't officially been transferred my the normal payment date. They will not call me back and I'm growing increasingly concerned they're making it difficult to pay in order to put people further into debt. 

They also have failed to send me a W9 form in their " welcome packet '' but threaten me with fines for not turning it into the IRS. I have multiple properties and have never experienced this treatment. 

Their online portal also does not state how much I have in escrow. This is concerning because my loan was serviced by a different company and was transferred to this one so I'm unsure if they collected the correct amount.
Consumer complaint received 2022-02-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midstate Collection Solutions, Inc. (IL)

This company has committed fraud and aggravated identity theft by acting on my behalf with my private data pursuant to 18 USC 1028. They brought my data from a defaulted note purchased from XXXX XXXX XXXX  XXXX ; buying defaulted notes is a violation of UCC 9-110 and UCC 2- 401. As a private natural person consumer I have ben violated. They use the Credit Reporting Agencies to furnish a deceptive form on my report to make it seem as if there is a debt owed which is a violation of 15 USC 1692J. Apparently this company is a third party debt collector who unlawfully and illegally brought a defaulted note. Pursuant to 15 USC 1692c I never gave this company permission directly or indirectly to communicate with me. I have no contract with MIDSTATE COLLECTION SOLUTIONS. This company has used my data without authorized use which is a violation of 15 USC 1602P, to furnish a deceptive form to make me believe a debt is owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by Credit Reporting Agencies stating I owe a debt that is discharged which is a violation of 15 USC 1692B ( 2 ). This company has used deceptive means like letters and using the CRA 's to communicate and furnish fraudulent information with my data to coerce me into paying a debt which is a violation of 15 USC 1692E ( 10 ). MIDSTATE COLLECTION SOLUTIONS can not and will not ever produce a contract between me XXXX XXXX and MIDSTATE COLLECTION SOLUTIONS because that contract does not exist.
Consumer complaint received 2022-01-25
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. (NM)

On XX/XX/21 I had sent out credit dispute letters about some accounts that definitely werent mine and i had no idea about that were Fraudulent and other accounts I wasnt to sure about and sent them dispute and verify letters to all three ( 3 ) credit bureaus XXXX, XXXX, and Experian and Legally they had 30 days to respond and they failed to do so, to prove and validate the debt and negative items reporting on my credit profile impacting my credit score and ability to obtain credit such as personal loans, Mortgage Loans, Auto Loans and house hold items like furniture and appliances ect and causing financial injury and emotional and financial distress.! I will attach proof of documents I sent and mailed out.!
Consumer complaint received 2022-02-01
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Specialized Loan Servicing Holdings LLC (DE)

Specialized Loan Sevicing ParXXXX of the XXXX XXXX is has committed identity theft and attempting to commit fraud. They are trying to collect on note that has been paid for. They have not verified any proof by sending me a certified accounting/true bill of what they claim they are entitled to. I never subjected myself with a contract with the company. I will be filing a local police report of attempted identity theft and fraud. 

UCC 1-308 All Rights Reserved, w/o Prejudice.
Consumer complaint received 2022-02-01
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. (GA)

In XX/XX/2022 I pulled a copy of my free Consumer Reports. After review of my most recent reports I discovered accounts that were not authorized by me. These accounts are result of Identity theft. I filed a report with the FTC it will be attached with this complaint. Fraudulent accounts include, XXXX XXXX XXXX ( {$12000.00} ), XXXX XXXX ( {$500.00} ), XXXX  XXXX ( {$3000.00} ), XXXX XXXX XXXX ( {$1400.00} ), and XXXX ( {$10000.00} ). I am currently working with my local authorities to get help on pin pointing the person/s who are responsible for opening these fraudulent accounts. Please block and delete these accounts from consumer reports. They do not show an accurate account of my creditworthiness.
Consumer complaint received 2022-01-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TN)

As of XX/XX/XXXX, NelNet reports {$11.00} is past due ( despite federal moratorium on payments ). I've been on autopay Direct Debit with XXXX and have made all payments during the pandemic moratorium. 

XXXX sent me a Goodbye Letter dated XX/XX/XXXX notifying me that " Your loan account will be transferred to Nelnet on or about XX/XX/XXXX. '' That notice also stated that " If you are enrolled in " Direct Debit, your information will be transferred to Nelnet and automatic payments will resume.... There's no action for you to take.... Nelnet will continue from that point to draw your monthly payment amount from your bank account... Nelnet will let you know the first day it will debit a payment for your account. '' On XX/XX/XXXX, I received a Welcome Letter from Nelnet dated XX/XX/XXXX. This was my first correspondence from Nelnet. 

There are two errors here. First, Nelnet did not withdraw a payment for XX/XX/XXXX for the normal monthly amount of approximately {$750.00}. Thus, its servicing error has caused Nelnet to flag me as " {$11.00} is past due. '' Second, Nelnet has continued XXXX 's servicing error of noting that my account is due only for {$11.00} each month. XXXX was not properly applying my monthly payments ( that is the subject of another CFPB complaint that is still open ). This error can be pinpointed to sometime around XX/XX/XXXX when XXXX acknowledge it was misapplying my payments. On XX/XX/XXXX, and prior, my monthly amount was {$730.00}. Beginning with my payment on or around XX/XX/XXXX, XXXX changed my monthly amount due ( because it was misapplying my payments ) to {$750.00}. Consequently, XXXX also started reporting my account as due for {$11.00} each month instead of {$750.00}. 

Nelnet should accept responsibility for its failure to deduct my XX/XX/XXXX payment and/or send me payment information prior to the due date. Nelnet should also discontinue XXXX 's improper accounting and inaccurate monthly payment.
Consumer complaint received 2022-01-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

Paypal blatantly disregarded my non-profit organization 's claims within a multitude of disputes. We reached out 5-6 different times to have it fixed in the allotted time frame they requested, and submitted the corresponding information 4 times via email. When it was clear that they were not reviewing it, they consistently told us that they 'did n't get it. ' We sent the information via certified mail, and received a message that because we did not respond to them via email, that they were siding against us for our non-cooperation. We tried cooperating and communicating multiples times like they asked. Now, they've put us in collection for nearly {$1000.00} and will not assist us.
Consumer complaint received 2022-01-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2021, PayPal sent me an email with the subject line, " You can no longer do business with PayPal ( Ref ID - XXXX ) ''. The email stated that my PayPal business account is permanently limited due to " potential risk associated with the account '' and my funds would be frozen for 180 days. 

I am a brand new coaching business, I signed up for this PayPal Business account on XX/XX/2021. At the time I received this email, I had a total of 3 customers who had paid me a total of {$1100.00} through PayPal. 

I am unable to access payments from these three different clients. The transaction deatils are as follows : XX/XX/2021 - {$330.00} XX/XX/2021 - {$440.00} XX/XX/2021 - {$440.00} I reached out to PayPal for an explanation on XX/XX/2021 and spoke with XXXX from PayPal Limitations Department. XXXX told me that she was unable to tell me why I can no longer do business with PayPal and she told me that the decision was irreversible. When I asked for more information, XXXX told me that that information was for " internal use only ''. She also told me that I would need to wait for 180 days from the time of the account being disabled to be eligible to receive my balance of {$1100.00}. 

I asked to be connected with her supervisor and she told me I would get a call back from XXXX XXXX, " one of the supervisors in the back office team ''. 

I then spoke to XXXX XXXX, who identified himself as a PayPal supervisor, and he told me the same thing XXXX told me. At no point was the conversation heated. He ended up leaving the call without explanation by putting me on hold ( with no warning ) and then never came back. I waited on hold and the call was disconnected after around 10 minutes.
Consumer complaint received 2022-06-15
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. (TX)

I have been requesting the credit bureaus Equifax, XXXX and XXXX to remove outdated accounts from my report now for over 8 months. This is causing major problems with my credit scores as these accounts are now outdated and outside of the Statue of Limitations for the State of XXXX. I have sent several letters and copies of my credit reports to the bureaus to prove this matter and even sent these request to the collectors directly. Some have been deleted as request but a few are still reporting with no response as to why these have not been address since they are clearly outdated. There are 2 others that do not reflect the last payment date. I have requested this to be updated and asked the collectors to validate these dates as of yet, no response have been received neither from the bureaus or collectors. At this point, I don't know what else I can do to have this corrected on my reports. I read online that I can submit a complaint here as I simply have no other options. Please help me with this matter as this is causing me issues with my employer and future purchasing options. 
I thank you in advance for your assistance and response.
Consumer complaint received 2022-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC (WA)

I got a credit card through XXXX XXXX 's insistence that it would help my credit. The card is called, XXXX ' from Continential Finance . From the first moment I received it, it has been laced with problems that seem fraudulent because they try to extort more money than they are owed by their Customers. They are quite good at it. My first payment was {$99.00}, they withdrew from my bank XXXX payments of {$99.00}, on auto-pay but it was MY fault. I had to call and fight with them to refund XXXX payment. Since then, I have had to call them every single month after I've made a payment because something is always incorrect! Wrong amounts, always to the detriment of myself. This month however was the straw that broke the camels ' back. I prefer auto-pay, ( which comes out of a checking account ). I wanted to change that information to a new bank & I went to the account page at XXXX XXXX  2 weeks before my payment was due in hopes all information would sync by my payment. ( Their accounts page won't allow you to select more than one bank for auto-pay ). I always pay my entire bill each month, this month my balance was {$180.00} to come out of a XXXX XXXX checking account. That amount came out and so did a {$35.00}, ( minimum payment. ) from my XXXX XXXX account!! It made that account go to NSF status. It's constant with this company. I have noticed they change information on my accounts page such as dates, and dollar amounts and have deleted a month or two payments, which always return in time. I would say, " As if cooking the books! '' I spoke to a Supervisor today about refunding the {$35.00} along with {$25.00} NSF fees. Help, I know I'm not the only one they're doing this too.