davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (IL)

I received a private student loan from XXXX, serviced by Firstmark Services in 2018. There was an error in the loan interest rate percentage, so Firstmark closed that first loan and opened a new one with the correct interest rate. This caused a duplicate to appear on my credit report. I contacted all the bureaus in order to fix this duplicate. Both XXXX  and XXXX  marked the account as closed ( I believe it should have been removed because it is a non-existent loan at that point, but that's less relevant at this moment ). XXXX, however, refuses to remove this duplicate account after their investigation and did not allow me to submit a reinvestigation. Recently, I refinanced my loan and submitted a reinvestigation request to Experian, which was accepted. However, their results came back as the same. This is undoubtedly false now, as the account is now closed with 0 balance on it, and yet XXXX   is still claiming that there exists a balance of a little over {$43000.00}.
Consumer complaint received 2022-04-29
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I've also noticed errors in payment history along all 3
credit bureaus.
Consumer complaint received 2020-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (OH)

During this COVID pandemic, I got distracted by caring for a sick family member and was late on my credit card payment with CITI. I have had this account for 5+ years, always in good standing, never a time where I did not pay or became delinquent or had any issues reported on the account. I got an email stating my account was late and they refunded the late fee because I have never missed a payment. When I first got this, I was do grateful and happy they were proactive with that. That moment, I made the payment online and the account is current. Again, never any issues with the account. This missed payment was in early XXXX 2020. Then, today, I got a separate notice saying they adjusted my credit limit down, decreasing my available credit and sighting " my utilization of credit with other accounts was high. '' My credit utilization has been the same for the last 2-3 years. This particular account has not been used for many many months as a way to positively impact my credit utilization. By Citi taking this adverse action at a time of a global pandemic and lowering my credit, it puts me in a worse position because my credit utilization, which they sight as the reason for the adverse action and reducing my line actually makes my credit utilization WORSE. It is unfair and unethical to impact customers in good standing during a time of national and global crisis while at the same time publicly stating Citi is here to help people impacted. This type of adverse action is uncalled for. My credit profile has not changed in years and I think it is unfair and irresponsible to be taking adverse action on a long time customer, in good standing who made a mistake by paying an account late in the middle of a global pandemic.
Consumer complaint received 2020-05-15
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. (AR)

Ive been trying to get insurance on my vehicle for some time now. Every time I get a quote for insurance either I was ineligible or it was too high. I would always ask what the reason was for this and I always get told that it could be my credit. I decided to pull my credit and I am extremely shocked on the outcome of the repor. The things I have listed on this application are not mine. Please remove these items from my report.
Consumer complaint received 2021-05-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I tried to dispute debt with Portfolio Recovery Associates, LLC by requesting debt validation. A bill is not validation. I just did my initial complaint with CFPB for them to validate debt. They did not validation debt, they just send bills like previous request. I am looking for debt validation of alleged debt not bills. I did not receive the initial notification on XX/XX/XXXX. I received that notification with bills. I sent request on XX/XX/XXXX and XX/XX/XXXX for debt validation of the below items but they continue to send bills and not validation information. 

-Proof of your right to own/collect this alleged debt in Maryland XXXXContract bearing my personal signature
Consumer complaint received 2020-05-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (TX)

On XXXX XXXX, I emailed HomePoint financial with a form to set up biweekly payments ( called FlexPay ). I expected the first payment to start XX/XX/XXXX. I noticed that no payment was made XX/XX/XXXX, so I called them. The agent said that they received the form too late to start payments for the XXXX payment. She said that she would set it up to start XX/XX/XXXX and that as long as I made the XXXX payment by XX/XX/XXXX, it would start. I made the XXXX payment and checked again after XX/XX/XXXX, and they still had not set up the payments. On XX/XX/XXXX I talked to another agent, allegedly a supervisor, about setting up the payments for XXXX. I made the XXXX payment online while talking to her, and she said that she set up the payment to start XX/XX/XXXX, and I thought that everything was good. A few days later, I get a call from HomePoint, allegedly from a supervisor, who said that they could not make the payment on XX/XX/XXXX since the first payment of a biweekly payment had to be made before the XXXX of the month. I told her that I did not want a biweekly payment to come out of my account every other Thursday, the day before I get paid. She did not even know how biweekly payments worked. She was very rude and said things like " the XXXX of the month is not always a Thursday, '' and she could not confirm whether it would happen every two weeks or just twice a month which is defeating the purpose. I told her that I was fed up trying to get this set up, so I told her to cancel it. I also asked her to talk to her supervisor, and she said that she would have another supervisor call me back. An hour later, I spoke to another supervisor, and I explained everything to her. She was also rude and asked what I wanted her to do about it. I told her that I wanted her to know that everyone I had talked to did not seem to know how to properly set up the payments and that they need better training for their people. She asked if I still wanted the payments set up, and I told her point blank that I did not want the payments anymore. I wanted it cancelled. Of course, I check my bank account on XX/XX/XXXX, and HomePoint made AN UNAUTHORIZED CHARGE to my checking account after having told BOTH supervisors to cancel any payment request. I contacted their customer service again on XX/XX/XXXX, and they are allegedly cancelling the payments now.
Consumer complaint received 2022-06-17
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. (MD)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX ( XXXX ) ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Freedom Mortgage Company ()

My mortgage was transferred Freedom Mortgage to XXXX XXXX. During the transition period Freedom Mortgage reported to the credit agencies that my mortgage was closed. Of course it was not closed it was transferred to XXXX XXXX by Freedom Mortgage. My credit report suffered because of this and because XXXX XXXX did not report my mortgage payments. I reached out to XXXX XXXX and they said they did report it and I but they could not show me verification of this. I would like this situation rectified as soon as possible. Thank you for your help.
Consumer complaint received 2020-05-15
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. (FL)

On XX/XX/XXXX, I have submitted a claim to the Trans Union credit bureau, but did not comply with all the requests. Trans Union arranged several late payments but not in full. I am going to attach in this new claim the evidence where it shows that the monthly payments of the mortgage of my house with the XXXX Loans company have been made in the correct time. I also ask that my name in the information appear as XXXX XXXX XXXX XXXX, the address is XXXX XXXX XXXX XXXX, Florida XXXX, telephone XXXX and as a profession or occupation XXXX XXXXXXXX because it is the degree I did at the university and I work on my own. Finally, I want the free annual report that by law corresponds to me. I am attaching the confirmation of the payments that I made to the XXXX Loans company from XX/XX/XXXX to XXXX that appear as late payments, also the agreement to be from the month of XX/XX/XXXX and continuing in the forbearance program that reduces monthly payments. The payment for the month of XX/XX/XXXX appears with the month of XX/XX/XXXX because they did not remove the payment from my account as they did every month.
Consumer complaint received 2022-10-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MD)

The company in question is PayPal. I have been trying to resolve this issue for many months, so now I am forced to request your assistance. I run a business where I am paid AFTER I render services ( financial counseling for mortgage holders who are facing foreclosure. ) My clients are individuals who are facing foreclosure and are having a difficult time dealing with their lenders and navigating through the loss mitigation process. I educate, counsel, and assist them in navigating the loss mitigation process through the successful completion of their process, which results in them being able to save their homes. When XXXX invoice my clients, they are happy to pay me for my experience and expertise, and are grateful to pay me for the time I invested ( in advance ) to help them. 

I have NEVER received a complaint or request for a refund from any of my clients, nor has PayPal. Again, I get paid for services rendered. Yet PayPal has decided to close my account, and hold XXXX the funds that are currently in my account in the amount of {$1700.00}. According to them, they have the right to hold my funds for 6 months! I have requested an explanation for them closing my account, and limiting me from accessing my funds, and their response is that my business is considered high risk. Once again, I am paid for services rendered. I am frustrated, and refuse to believe that this is legal. I usually lend money short term to real estate investors who pay me at 20 % return on my funds and PayPal is holding money that I could be lending. That means that I am losing $ XXXX on the money that PayPal is holding for the next six months resulting in a {$2000.00} loss. Meanwhile, not only are they holding my funds, but also they are likely utilizing my money to gain interest plus the fees that they have already charged me when the funds were paid via their service.
Consumer complaint received 2020-05-16
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)

XXXX  and Transunion Are both reporting an invalid late payment against me. The entity listed isnt even the correct state. I notified both credit reporting entIties and disputed the transaction. I provided a recent transaction statement which shows that the account is not late or past due whatsoever, directly from the ACTUAL STATE entity. XXXX ruled in the entities favor stating that they validated the debt. How could they possibly validate a debt that isnt correct when I have a current active transaction report?
Consumer complaint received 2021-05-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC (NC)

This collection company, rmp Services llc have been attempting to collect a debt in the amount of {$3100.00}. I have tried to have this company to remove collection from credit report but they have failed to do so twice. Their latest communication Efforts with their response to a Previous complaint stated That services were for a minor child but yet still Failed to verity the debt that would include services provided, services for whom, service dates, and any contracts that i have with this Company to provide payment to them for services they have not rendered to me or anyone else. Please remove debt from any and all credit reporting agencies.
Consumer complaint received 2020-05-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (TN)

I woke up this morning on XX/XX/2020 to a notification from XXXX, a company I use to monitor my credit score, that my score had changed and that a new debt had been added to my credit report. I have no knowledge of what this debt is. The number on my report doesn't match any money that I owe any company right now. I also have not received a letter or phone call by any company requesting this amount of money, nor have I received any letters or phone calls from this company ( Commonwealth Financial Systems ). I tried to call them numerous times today, and despite them being open, I was met with the same response every time saying that no one was available to take my phone call, and I was automatically hung up on each time. I had no opportunity to leave a voice mail or any other way of leaving them a message to reach back out to me to clear this up. It's completely unacceptable that I haven't received any written notice of this debt nor do I have any details as to what it could possibly be, which leads me to think that this is a fraudulent attempt to collect money I do not owe. I am especially concerned because when I googled the company, the XXXX reviews and XXXX XXXX XXXX  reviews all report of the same thing happening to them finding a debt that they don't recognize on their account or that they know to not be theirs from this same company. I just want to clear this from my credit report or at the very least have clear details as to what this debt is from and why I was not reached out to about this. Thank you.
Consumer complaint received 2022-05-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC. (FL)

I was sent a generic notification that my accounts will be closed on XX/XX/XXXX. There was no reason given, other than to refer to their " deposit agreement '' page XXXX section XXXX. It states Ally Bank can close my account for no reason. Surely there must be a reason, I am in good account standing, I work an honest job and make good money, I am not a criminal. I have attempted calling, chatting, and secure emailing through their web site, as well as posting on their social media and messaging thru social media. The only replies I have gotten were when calling. First call XX/XX/XXXX XXXX ( duration 40 minutes ) said I would need to call back during business hours and speak with deposit operations. Called back during business hours XX/XX/XXXX, ( duration 37 minutes ), was told I could not speak with deposit operations department and that there was no further information to be given as to why they are closing my account. Was put on hold to speak with a supervisor and was hung up on. Called back 3rd call XX/XX/XXXX ( duration 9 minutes ) put on hold again and disconnected. Called back 4th call XX/XX/XXXX ( duration 33 minutes ), was supposedly put on the line with a supervisor who was not friendly and very defensive. Said they are not required to give me a reason why they are closing my account. Chat agent said they would be escalating this to a supervisor who would reach out to me. I asked how they would be reaching out- call? email? carrier pidgeon? smoke signals? They could not confirm how the supervisor will be reaching out. So it appears they are chosing random customers to close their accounts for no reason or are going out of business and closing accounts instead of being up front.
Consumer complaint received 2022-12-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (GA)

This is in regards to an unauthorized online wire transfer from our savings account with Well Fargo Bank See below what has been happening : On XX/XX/2022 my husband with whom I share a joint saving account went to get money from his checking account and then realized that money was missing from the joint saving account. He then called me and I told him I did not take any money and that I would check the account as soon as I got home. I went home immediately on the morning of XX/XX/2022 and logged into my online banking account. I then noticed that {$24000.00} was wired to an unknown person along with a {$30.00} wire fee. I called the bank and spoke to a representative who had me changed my username and password and then transferred me to the fraud department. They took my statement on the phone and told me that an XXXX would contact me with 2 days. XXXX Saturday XX/XX/2022 my husband went into the bank and spoke to XXXX XXXX who assisted him in changing out his account numbers. On Monday XX/XX/2022 an XXXX called me around XXXX pm from Wells Fargo and I added my husband to the call. She asked us some questions and told us we would hear back from them in 10 days. On XX/XX/2022 Wells Fargo send us a letter dated XX/XX/2022 I went into the bank on XX/XX/2022 and no one was available to speak with me about the letter and they told me to call back the number on the letter. I called back the number on the letter XXXX and on Wednesday an XXXX called and told me that the activities happened with our username and password, I told her we never authorize that money to be wired, she told me that I would not be getting any money back and the claims is closed and can not be reopened. I asked her if this is the way they treat a customer that has been with the bank for over 19 years. She said it was our fault and she would not have any other conversation with me. I dont know what else to do to get back our money. If there is any suggestions you can make that would be greatly appreciated. Thanks so much.
Consumer complaint received 2022-10-21
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. (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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2019-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (WA)

On XX/XX/XXXX I mailed a payment to the credit card company, envelope was postmarked XX/XX/XXXX. The payment due date was XX/XX/XXXX. In accordance with the provisions of the Postmark Prompt Payment Act of 1995, the payment should have been consided as ontime. The company ( Comenity Bank-HealthiPlan ) went by receipt date ( XX/XX/XXXX ) and charged a late fee. I called and asked them to remove the late fee but they refused saying it was their policy to go by receipt date
Consumer complaint received 2022-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

The spending and budgeting tool with Bank of American Itemized the deposits and withdrawal that come into my account for a year period. The cashflow for the time period can either be a surplus or shortfall. My 12 month period say I should be {$12000.00}. But I do not have that in my account. Please help me. I have been going over this with the Bank for 3 years now. Also when you click on the transaction and the merchant name you can change the name of the merchant so you do not know who the money is going to. Also you can change the category.