davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-20
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. (CO)

To whom it may concern : I went through XXXX XXXX to see about refinancing my auto loan. When I asked to see what kind of loan I might be able to get I was contacted by several agencies. I ended up speaking with the first one that contacted me and they advised me they would do a soft credit inquiry. I agreed to it, however, I got a hit on my Experian Credit report from a company I hadn't even spoken with. They pulled my credit report which lowered my score without my consent. Below is their information. 

Alert Date XX/XX/2019 Source EXPERIAN Company XXXX XXXX Address XXXX XXXX XXXX XXXX, CA XXXX Phone XXXX I didn't give consent to have my credit pulled and after speaking with XXXX XXXX  they agreed that this wasn't a practice that they approved of and opened a Complaint Case : XXXX Against them. I was told by Experian that I needed to call the XXXX back and ask them to remove the inquiry, however they claim that XXXX XXXX allows them to pull people 's credit. Even if that's the case they refused to call Experian to remove the inquiry after I made it clear that I wasn't going to business with them.
Consumer complaint received 2019-02-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (VA)

I have a conventional 30-year loan with US Bank Home Mortgage. I have never been late with a payment. I recently changed insurance providers and paid for the next 12 months in advance to the new insurer. I called US Bank to request that insurance be deducted from my escrow account and to recalculate the escrow to a new ( lower ) amount. 

US Bank sent me a letter saying that I had to pay {$330.00} as an " escrow waiver fee ''. Because I accepted the bank 's discount for the bank to escrow my insurance, I forewent having to pay this fee. The fee is equivalent to an eighth of a percent of my unpaid principal balance. 

Today, XXXX XX/XX/2019, I called the bank back after receiving this letter to complain about this fee. The customer service representative repeatedly said that since I waived the fee at closing, hence the discount, the bank would be reinstating the fee. 

I believe this is an unfair banking practice because the bank is basically saying I have to pay them a fee for them NOT to provide the service of escrowing my home owners insurance and then paying it on my behalf. I am an adult and am capable of paying the insurance company directly, and then providing the bank proof of insurance payment. It's ridiculous that I have to pay the bank a " fee '' ( whether at closing or later during the serving of the loan ), NOT to take an action. This is extortion : " Pay me to not provide a service ''.
Consumer complaint received 2019-02-21
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)

I was a victim of Identity fraud for over 100k dollars and several fraudulent loan accounts years ago. I did not authorize nor consent to any use of my information. Nor did I apply for ANY of these fraudulent accounts. I have submitted to Transunion on countless times, what they requested for removal of the accounts. I have spoken to them several times in this past month and over the last several years. In which, they again agreed to remove Hard Inquiry XXXX and Collections account XXXX XXXX XXXX after receiving the Police Report and FTC report. I have complied with Transunion with their request to provide proof for removal. I have been sending this upon my findings of identity fraud for years now. They have complied with removing most inaccuracies, however, these remain. I had a XXXX credit score prior to this and would like to get back to that scoring number. This has caused me a great deal of distress and is now affecting my purchasing power and my health. *Note : This includes FTC and police reports along with proof of ID requested.
Consumer complaint received 2019-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (TX)

Froze credit report for Experian around the time XXXX  was shamefully hacked ( 2017 ). Now I have to lift a security freeze I set with them, but they deactivated my account and I am unable to lift the freeze within the time frame I have right now. 

This will cost me money that is critically important to me at the moment.
Consumer complaint received 2023-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (GA)

My repayment plan was approved, and my first payment is due today, XX/XX/23. When I attempt to add my bank account details to the Aidvantage online system, the system displays an error message stating that previous transactions were returned from this bank account, and it won't allow me to enter my bank account details. However, there have been no previous transactions at all between the loan servicer and my bank, and certainly none that were returned. The loan servicer is new to me, and we have no history at all. 
The error message prompts me to request that my bank send a letter to the Aidvantage fraud department to resolve the issue. This bank account is my only account and the only way I can make payments. The loan servicer will not allow me to enter my partner 's bank details, nor pay with another card. Therefore, interest is accruing, the payment is now late, and I have no recourse. I have contacted the loan service twice without response.
Consumer complaint received 2019-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (NV)

XX/XX/2019 I deposited a check for {$2800.00} into my account via mobile deposit through Key Bank. I contacted Key Bank through their 800 number and was notified the deposit was being put on a 7 day hold and to find out more I had to contact the branch manager. I contacted the branch manager at Key Bank in XXXX, OR where I banked. She was not exactly sure why the hold was placed or what was taking place. The branch manager contacted Key Banks internal fraud department and got back to me after she figured out what was taking place. She notified me the check would be on a 7 day hold, reason was the bank didn't believe the check was good and that it was a fraud. She told me as of XX/XX/2019 the funds would be available and the holds would be removed. Come XX/XX/2019 the funds deposited into my account yet then key Bank froze my entire account. I got a letter from Key Bank in the mail that stated they had confidential information believing the check wouldn't be paid out yet the funds and the holds would be removed as of XX/XX/2019. As of XX/XX/2019 my account is still frozen the check cleared and the bank from which the check was withdrawn from verified the check to Key Bank and the law firm that sent me the check also verified to Key Bank the check was good.
Consumer complaint received 2019-02-20
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. (GA)

I have contacted TransUnion several times via phone online, and via first class mailings on many occasions in regard to an account that is reporting inaccurately. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking my credit. I have disputed and reached out to Transunion several times and they say the same thing over and over. The companies either need to provide proof of validation that this account is charged off or this account needs to be updated appropriately as Paid in full satisfactory. I've called Transunion and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated he was taking care of it only to find out he had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following account is what is being reported : ( XXXX XXXX XXXX ) # XXXX. I have even sent Transunion copies from XXXX showing that they have this account reported accurately as paid satisfactory and that TransUnion keeps saying verified. How can they all be using the same information, but some bureaus are reporting correctly & the others are saying verified which is totally incorrect.
Consumer complaint received 2019-02-20
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. (NY)

It has been brought to my attention that I have a XXXX XXXX XXXX account opened in XX/XX/XXXX in my name. The card numbers in XXXX and XXXX. These are accounts are not mine.
Consumer complaint received 2019-02-20
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. (NY)

It has been brought to my attention that I have a XXXX XXXX XXXX account opened in 2017 in my name. The card numbers in XXXX and XXXX. These are accounts are not mine.
Consumer complaint received 2019-02-20
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. (NY)

It has been brought to my attention that I have a XXXX XXXX XXXX account opened in XX/XX/2017 in my name. The card numbers in XXXX and XXXX. These are accounts are not mine.
Consumer complaint received 2019-02-20
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: EQUIFAX, INC. (FL)

At the end of my XX/XX/XXXX statement it says I had a balance of XXXX. On XX/XX/2019 I had made a payment on the amount of XXXX to pay off my current balance. 
It dropped my credit score XXXX points because it states that I had a high balance, and missed a payment.
Consumer complaint received 2021-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (DC)

On XX/XX/XXXX I was alerted by a credit monitoring service that there were 3 late payments on my account from NelNet. I had never heard of NelNet and contacted the company as soon as possible, which was XX/XX/XXXX due to their office hours. 

After contacting NelNet is appears that a student loan I had thought was paid off was transferred to them in XXXX from my prior loan servicer ( XX/XX/XXXX XXXX XXXX XXXX ). I had never received any communication about the transfer. Shortly after the transfer I enteredXX/XX/XXXXand any amount outstanding was put into automatic deferral. I never received any contact from NelNet about the payments resuming as they had an address on file that had not been updated since XXXX. 

During my conversation with XXXX I explained that I could either make the account current and make payments, or pay the entire amount if either would result in the removal of the credit reporting action. XXXX said that I could not ask for this as I had not acted in " good faith. '' I then asked about the CARES Act, and asked why the XXXXXX/XX/XXXX were not in forbearance. XXXX informed me that although they were XXXXXX/XX/XXXX, because they were issued before XXXX they were private loans. I have not been, and can not locate and law regulation demonstrating that change. 

I was then transferred to XXXX 's supervisor XXXX, who informed me that by federal law NetNel can not remove the credit reporting. I asked him where to find the law to which he directed me to studentaid.gov and then NelNet 's website 's FAQ section. I had XXXX stay on the line to direct me to which he couldn't. I then asked if there was somebody that could provide either the law or additional help to which he provided me a " customer solutions '' e-mail address. After giving me the e-mail he warned me that any attempt to dispute the late payments would further " ding my credit. '' I have not received a response from NelNet 's " customer solutions '' e-mail address. 

I have never missed a payment in my life and have the funds and willingness to pay the amounts in full. The credit report of a late payment has caused my credit score to drop significantly at a time I am having a child and searching for a home to purchase.
Consumer complaint received 2019-02-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc. (CO)

Sandtander Consumer USA LLC is the auto loan account holder for a XXXX XXXXXXXX XXXX in XX/XX/XXXX that I purchased. They are practicing a Rule of 78 's & Rule of 72 's loan which is prohibited in the USA & XXXX. 
Sandtander Consumer USA LLC is violating 15 US Code 1615 Prohibition on use of " Rule of 78 's '' in connection with mortgage, refinancing, and other consumer loans. 
They are utilizing daily compound simple interest, and prioritizing the simple interest & penalizing me the consumer for additional payments by applying additional principal payment funds to the daily simple compound interest. This practice was outlawed in XXXX in USA, and XXXX in XXXX is prohibited in the USA.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is my 23rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$690.00}
Consumer complaint received 2022-07-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (FL)

to whom it may concern, the following account was charged off. XXXX XXXX XXXX Original creditor SYNCHRONY BANK CARE CREDIT. this account is still being reported on my credit report as open. this is a misrepresentation of my credit obligations and is causing monetary damages.
Consumer complaint received 2020-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (GA)

This is my 4th complaint with XXXX XXXX XXXX. They keep sending the same fraud acct to different collection companies. Each time I contact The Consumer Protection Bureau. This acct was opened due to Fraud. Because I feel XXXX XXXX XXXX and its affiliates have purposely allowed fraud and allowing someone to cause so much hardship disabling me unjustly I will be filing a suit. Afni, which is a company I have never even heard of will be included in this suit.
Consumer complaint received 2022-07-04
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. (IL)

Hi I am submitting this XXXX XXXX this isn't 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 XXXX old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-04
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: McCarthy & Holthus, LLP (NM)

ThiS attorney, XXXX XXXX has used an out of state servicer that mails letters to address that does not correspond to the last address of record of XXXX XXXX and XXXX XXXX so that he confuses the judge Being an officer of the court, using this tactics to advance his quest to get paid legal fees using deceit should be extinguished to avoid rings of confusion that end up hurting people who do not know anything about this debt incurred by a thrid party illegally. 

My address has been used ilicitly by XXXX XXXX XXXX, as authorized signer for ID solutions at request of the attorney who wants to lie to the court using this. ompany by thelling them that XXXX XXXX lives at XXXX XXXX XXXX XXXX XXXX NM XXXX where in reality this person has NOT LIVED IN THIS ADDRESS FOR THE LAST 13 YEARS so this is LYING TO THE COURT BY A COURT OFFICER WHO USES THIS OUTFIT CALLED OD solutions to ROB MY IDENTITY AND THAT OF MY MOTHER MY MOTHER IS XXXX XXXX MARRIED TO DECESED MILITARY OFFICER XXXX XXXX, A WIDOW. SHE HAS NOTHING TO DO WITH XXXX XXXX, AN XXXX  FROM XXXX WHO HAS NOT ANSWERED OR PAID THIS ATTORNEY FOR HIS FEES. 

I DID NOT HIRE HIM PLEASECEASE AND DESIST OR SHOW A CONTRACT BETWEN YOU AND I FOR YOUR LEGAL FEES. 

YOU SHOULD BE ASHAMED TO LIE TO THE JUDGE YOU SERVED THE XXXX XXXX AND XXXX XXXX AT MY HOUSE YOU OULD NOT HAVE I LIVED THERE FOR THE LAST DECADE THEY HAVE NOT!!!! 
this company that was hired by this attorney to confuse the judge, this is a crime, and shold be investigated and punished. An attorney should know better. 

Please stop harassing me legally for bills incurred by you from your client that has nothing to do with me. Leave my family alone you have harsased us for a second mortggage that was obtained by a third person we d onot know anything about and you have harasssed us legally for over a decade The debtors did not pay you for that debt. You well know the address of the XXXX XXXX
Consumer complaint received 2022-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (IN)

I was recently in search of a higher limit credit card to utilize for work expense pass-through. I spoke with a banker at my local JP Morgan Chase branch where I have banked for over a decade and as I had repaired a lot of debt and credit problems from COVID-19 and my score had improved, he recommended that I apply for a Chase Freedom or Chase XXXX  card through the bank. Per my assets and prequalification he didn't see any issue with me getting the Chase Freedom card, so we opted for that. He also made it clear that applying through the branch would accelerate the application process and offer me additional rewards and benefits that would not be offered online. He would also be able to assist if there were any problems. 

We went through with the application. I was declined. He called the corporate reconsideration line from his Chase Private Client office and soon handed the phone to me.

Over the next half-hour I was interrogated by an agent in the " reconsideration department '' who apparently had pulled, without my consent ( I had read the fine print ), additional consumer reports on me and additional credit reports aside their primary provider ( XXXX ), again without my consent. 

What I came to find was that because I was party to a bankruptcy preceding in the late XXXX ( it cleared my record years ago ) that involved a Washington Mutual Credit Card branded " WAMU '' of which was eventually purchased by JP Morgan Chase, I was automatically out of consideration for any chase services other than checking and savings accounts and that the card should had never been offered to me. 

So, here I am with several hard credit pulls and consumer report pulls against me when I was never even considerable because of an event during a world-wide recession that happened well over a decade ago, overall resulting in hurting my credit overall. None of these elements were ever disclosed to me until I pressed for more information and was alerted to additional hard pulls to my credit report. 

I have contacted the bank branch, JP Morgan Chase corporate and the credit bureaus for consideration that this matter be resolved. The service offering was fraudulent due to them easily being able to see in the system that I was already flagged to not be offered credit or loan-related services. 

I have not heard back from any party in well over 30 days. 

Attaching correspondences to this report.