davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Dave Operating, LLC (GA)

On XX/XX/year> XXXX did an ACH transaction from my personal checking account. XXXX will not allow consumers to close their account until the amount is settled. This is a deceptive business practice and borrowers should be able to simply close the account and be billed at a later date. XXXX has not responded to my request to have my personal checking account unlinked from their platform. I would like for XXXX to close my account, refund me the {$10.00} that they debited from my personal checking account on XX/XX/year> and no longer pull any other future ACH drafts from my checking account. Payment in full will be made to XXXX through XXXX XXXX or XXXX XXXX as soon as I get conformation that XXXX has complied and fully closed out my account, refunded me the {$10.00} and unlinked my checking account from their platform. I have contacted my bank and did a stop payment blocking XXXX from any further transactions from m y personal checking account in the future. Any further ACH debits will result in legal action against XXXX.
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2018-12-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (VA)

On XX/XX/2017, my attorney wrote a letter to Lakeview Loan Servicing , LLC requesting the name of the new creditor/owner of my mortgage loan pursuant to 15 U.S. Code Section 1641 ( g ) ( 1 ) because it was securitized through a  Government National Mortgage Association. Lakeview Loan Servicing , LLC owns only the master servicing rights to my loan. XXXX XXXX XXXX XXXX  services my loan. Lakeview Loan Servicing , LLC wrote a letter of response onXX/XX/2017, and stated the following below in paragraph four : The note holder for these securities is not known to the public or to us.
Consumer complaint received 2022-06-12
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. (NY)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for d purpose.
Consumer complaint received 2022-04-11
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. (FL)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2021-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (DE)

For many years I have Citi Credit card and always paid the balance in full and in time. In XXXX of this year the payment due date was as always on the first day of the new month, i.e., XX/XX/2021. That date was on Sunday and since I paid my bills through bank transfers I could not pay the due amount on that date and it was paid the following day, i.e., on Monday XX/XX/2021. Yet I was charged late fee and interest charge in ridiculous amounts. I
Consumer complaint received 2021-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was a victim of Transunion 's inquiry issue in their server error. I've contacted TransUnion on XX/XX/2020 and they refused to remove my inquiries.
Consumer complaint received 2018-12-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Gurstel Law Firm, P.C. (WI)

In XX/XX/XXXX my wife, XXXX XXXX XXXX, and I attended XXXX XXXX XXXX in XXXX XXXX, Missouri.We entered the agreement through fraudulent enticement and coercion as e.g. our letter filed with the XXXX County Courts of Wisconsin on XX/XX/XXXX. 
Our cases XXXX and XXXX were heard separately. Unfortunately our letter was a day late for my case and I was unable to make an appearance the day of court because of being on the road. 
The court ruled in favor of the plaintiff for the amount of {$7000.00} plus {$800.00} for costs and disbursements, with the total damages being {$7800.00}. 
On XX/XX/XXXX XXXX 's case was dismissed. XXXX appeared for her court dates and testified against the XXXX revealing the multiple incidents of XXXX and other forms of harassment we experienced together as we attended XXXX. The school 's attorney didn't deny the accusations, rather chose not to argue and allowed her case to be dismissed. 
I experienced the same treatment. XXXX and I were seldom apart during our attendance of XXXX XXXX XXXX. My tardy response and inability to appear in court makes me liable to pay the judgement. 
The Gurstel law firm, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI.XXXX, now represents XXXX as a debt collector. I was informed by a representative from their company that I have paid {$16000.00} to date on the my debt that the judge ruled to be a total of {$7800.00}. I was also informed by the Gurstel firm that the amount I owed is {$10000.00} plus interest of {$9300.00} for a total of {$19000.00}. 
I just received in the mail a notification of garnishment for the remaining balance of {$3700.00}. This incurs a daily interest of {$1.00}. 
I may be bias, but this seems absolutely ludicrous. 
XXXX and their attorneys chose not to argue against my wife 's testimony of fraudulent enticement and harassment and her case was dismissed. Knowing full well that they would collect her amount from me plus another tuition in interest. 
So, the school is better off treating their students unprofessionally until they leave unsatisfied and traumatized because they will make more money in collections. 
Unbelievably Violated, XXXX XXXX XXXX
Consumer complaint received 2022-04-11
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. (CA)

Hi I am submitting this XXXX 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 XXXX has me at a score around XXXX. 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 XXXX 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 XXXX 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 XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A. (FL)

Im a consumer a natural living man. All debts are obligations of United States. I did not give any consent. I did not get the full disclosure to opt out. I do not consent to the share in of my non public information. This is a transaction and experience that took place between XXXX XXXX XXXX and I and its no ones business. Why is it on my report there using the credit report to extort me, defame my character and tarnish my credit worthiness. There furnishing deceptive forms. XXXX XXXX has XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: DISCOVER BANK (MO)

My sister XXXX XXXX added me as a authorized user to her Discover account. XXXX listed the Florida address on my report but refuses to place the account on my credit bureau which would raise my score. Im shopping for a home loan, and the account would help me. The credit bureaus only list information that hurts me.
Consumer complaint received 2023-02-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

This issue is with Wells Fargo bank who is not following the law with the Consumer Financial Protection Bureau. My son XXXX XXXX was a victim of fraudulent activity on his checking and savings account with Wells Fargo. XXXX XXXX XXXX XXXX XXXX mobile deposits were made into each account which both were followed by {$400.00} XXXX transfers. Someone gained access into both of his accounts and made the XXXX payments. We had nothing to do with these transactions, they were unauthorized activity. We made contact with the bank on XXXX XXXX XXXX after I received notifications of overdrafts. The bank was able to identify it was clearly fraudulent activity but the complaints office with the bank made the determination that we initiated the transactions, but we did not. The electronic funds transfer Act protects those who have been victims of banking crimes which protects consumers even if its one 's fault if they had fallen for an online phishing scam. We have not been able to identify how they accessed his accounts and there has been no protection from our bank. The XXXX XXXX has written an article on the growing fraud with XXXX and how banks including Wells Fargo are trying to blame the customer and not follow the law. Wells Fargo has been in the news a lot in our local area for the same complaint. Wells Fargo also is XXXX of multiple banks that own XXXX. Thank you for your assistance.
Consumer complaint received 2023-02-18
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (NY)

IN XX/XX/2022, I PURCHASED ON LINE A GRILL. ( XX/XX/2022 ). I RECIEVED THE WRONG GRILL, IT WAS NATURAL GAS. AMOUNT FOR THIS GRILL WAS {$380.00}. IT WAS RETURENED VIA XXXX  ON OR ABOUT XX/XX/2022 ALONG WITH OTHER ITEMS THAT WHERE PURCHASED WITH SAID GRILL. ( GRILL COVER $ XXXXGRILL DRIP PANS {$10.00} ) THE CHARGE FOR THIS GRILL {$390.00} HAS BEEN CREDITED BACK TO MY ACCOUNT ON XX/XX/2022. I MADE A PURCHASE OF A PROPANE GRILL ON XX/XX/2022. I WAS " CHARGED '' TWICE FOR THIS GRILL. I RECIEVED ONE ( 1 ) PROPANE GRILL {$390.00}. IT WAS RECIEVED WITH THE BOX DAMAGED AND RIPPED. I NEVER OPENED IT AND ASKED FOR XXXX  TO COME PICK IT UP WITH THEY DID. I RECIEVED A CREDIT FOR THE GRILL IN THE AMOUNT OF {$390.00} ON XX/XX/2022. IT HAVE NOT BEEN CREDITED FOR THE DUPLICATED PROPANE GRILL. WHEN I SPOKE TO HOME DEPOT I WAS TOLD IT WAS A DULICATED ORDER AND ONE ( 1 ) PROPANE GRILL WAS SHIPPED AND THE OTHER WAS CANCELLED. HOWEVER, I AM STILL TO THIS DAY BEING BILLED FOR A GRILL THAT WAS CANCELLED AND NEVER RECIEVED. I HAVE SEND NUMEROUS LETTERS BOTH VIA CERTIFIED MAIL AND REGULAR MAIL AS WELL AS, MAKING NUMEROUS TELEPHONE CALLS. IN ADDITION TO BEING BILLED IN CORRECTLY I AM ALSO BEING CHARGED FOR INTEREST. NOW THAT I HAVE NOT BEEN USING MY CREDIT CARD AND THE ONLY BALANCE SHOWEN IS MY DISPUTE CHARGE, I REFUSE TO PAY ANYTHING. I WILL FURTHER FOLLOW UP BECAUSE I DO NOT KNOW IF I WILL BE CHARGED ANY LATE FEES OR ADDITIONAL FINANCE CHARGES.
Consumer complaint received 2022-05-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (FL)

We purchased our home through Quicken Loans ( rocket mortgage ) back in XXXX. Conventional loan, fixed rate. 
I was laid off in XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I communicated immediately with Quicken to advise them of my situation and they recommended beginning a forbearance process. I completed paperwork and began forbearance. I quickly regained employment XXXX weeks later, and told them we didnt need to continue forbearance and we canceled that. The advisor then stated she could help us with our loan if we wanted, to lower our interest rate and lower our monthly mortgage payment. I was of course interested in saving money so she explained further that we could do a loan modification and it would lower our rate roughly 1 %, and lower our monthly mortgage payment by roughly {$100.00} a month- all we had to do is reset our loan length and change it to a XXXX XXXX XXXXI quickly signed the contract and she advised me that we would continue receiving monthly statements showing the monthly payment that would be owed, but advised us to NOT MAKE ANY PAYMENTS until they notified us otherwise. So, roughly XXXX months of zero mortgage payments- we finally received a letter stating our mortgage has been modified and our new terms were laid out : 1 % less interest, and monthly mortgage payments were {$100.00} less. 
All was well and good until I checked my credit recently and seen that the XXXX  months of payments I was advised not to pay are disclosed in my credit report as MISSED PAYMENTS! 
This has been absolutely detrimental to my credit score and now I cant purchase a new home. Currently relocating and trying to sell my home and will have no place to go! 
I called them and they sent over to an escalation department woman, who stated that in the terms of the loan modification it stated that there may be negative effects on credit health by proceeding. I had no idea this would ruin my credit, and I would have made my payments if I had not been advised to do otherwise! 
Short summary is Quicken Loans ( Rocket Mortgage ) advised me to not make payments in order to cause my delinquency, so I would meet their criteria to be accepted for a loan modification! 
Pure Fraudulence!
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OK)

Ive noticed some unfamiliar items on my credit report that suggest my identity may have been stolen, as I did not authorize these accounts. Ive raised this issue before, and I am now urgently requesting the removal of these accounts from my report. Their presence is causing me significant stress and does not reflect my true credit history or financial management. If this can not be resolved, I am prepared to pursue legal action to protect my rights and find a solution. These inaccuracies are seriously hindering my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.
Consumer complaint received 2022-07-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AL)

I received a copy of my credit report and, to my surprise, you are reporting a lot of incorrect information. You have several incorrect personal identifiers listed in my credit file and I am requesting that you remove any information that is not completely accurate.
Consumer complaint received 2022-04-11
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. (FL)

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts : XXXX. XXXX XXXX XXXX XX/XX/2016 {XXXX} 2. XXXX XXXX XX/XX/2016 {XXXX}
Consumer complaint received 2023-02-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (IN)

At or around XXXX or XX/XX/2022, I was notified by my credit reporting tool of a credit change and it was a major ding by Navient under the guise of no payment. This coincidentally at the same time where President Biden made an announcement regarding his student loan program and efforts to push it through Congress, which of course was voted down by the Supreme Court as unethical and illegal as expected. During this time, my loans were in forbearance and they were to remain in such according to the stipulations laid down because of the COVID-19 pandemic. However when I contacted Navient regarding this not only did they ignore these facts, not only did they state that I didnt have any more deferments and forbearances but they immediately had reported my account to collections, subsequently affecting my credit score. To make matters worse, upon the Supreme Courts decision against President Biden which in turn granted my stance as correct and everything returned to COVID-19 policies and such, my account ( s ) were never updated by Navient, my credit score never was adjusted, and now it is offers of deferments and forbearances regarding my account. The constant phone calls are nonsensical at this point especially when no one will ever acknowledge and make strides to restore my account and current and not delinquent in collections. It even was to the point where consolidation was encouraged and offered throughout which is an unethical practice in itself because it resets and restarts a debt under new terms that are unfavorable and in a lot of ways predatory.
Consumer complaint received 2022-04-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

I initially filed a complaint on XX/XX/2022 which has been closed by your agency in spite of the fact that the issue has not been resolved. I am having difficulty obtaining my {$7000.00} in escrow overpayment from Community Loan Servicing. They are aware that the refund was not received by me. The USPS returned the original check to the company marked as undeliverable. My address is current. I don't know why the USPS returned the check and I am not responsible for their error. However, at this juncture Community Loan Servicing knows that I do not have my refund and are willfully withholding my funds. This is illegal and highly unethical. Instead of reiterating all of the events that I have taken place I will attach the report from the previous complaint in which XXXX  admits to knowing that I do not have my refund. They have not made any effort to return my funds to me despite making repeated promises to do so.
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I filed a dispute with Equifax on XX/XX/2023 to have a medical collection removed, given that a new CFPB announcement stated that no medical debt greater than {$500.00} would be reflected on consumer credit reports. The medical debt in question is for {$160.00}. On XX/XX/2023, Equifax did not remove the collection, but stated that it was accurate and would remain. Let it be known that other disputes were opened with both XXXX and XXXX to which both removed the medical collection. Im unsure why Equifax is the only bureau to not remove the collection, but given past history with bureaus not updating and reporting accurate accounts, Id like to have this matter reviewed.