davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Granite Edvance Corporation (PA)

I graduated from XXXX XXXX University in XX/XX/2018 with my XXXX XXXX. Upon graduation and after the grace period, loans become due of course. Many of my loans were thru XXXX XXXX. I could not afford {$300.00} payments each month on multiple loans and called into the loan servicer. I was advised to consolidate and was walked thru the application until submission. I work in XXXX XXXX  ( XXXX ) and have been making all payments towards XXXX. I am now being told XXXX XXXX gave me a private loan that is not a direct consolidation and none of my payments will count towards anything. I had called and sought relief and help. I was ill advised and want know what options are available to me so I am not stuck in this debt I had no clue would be ineligible for the rest of my life.
Consumer complaint received 2020-07-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MD)

This complaint is related to previous complaints that I submitted to the CFPB on XX/XX/XXXX ( Complaint # XXXX ) and on XX/XX/XXXX ( Complaint # XXXX ). 

After I submitted the first complaint, the company, Specialized Loan Servicing ( SLS ) replied with an unacceptable response and failed to correct the problem that it created. CFPB suggested that I submit a second complaint, so I did so on XX/XX/XXXX. I am waiting to receive a response from SLs regarding my second complaint. 

On XX/XX/XXXX, I contacted SLS directly regarding a notice that I received from the company dated XX/XX/XXXX. The notice was a Notice of Default and Notice of Intent to Foreclose. According to the notice, my mortgage is in arrears. That statement is incorrect. I have never been 30-days past due on my mortgage. 

When I contacted SLS on XX/XX/XXXX, I spoke with a representative named XXXX in the Escalation Department at ( XXXX ) XXXX. After reviewing my account, XXXX confirmed that an escrow account for my hazard insurance was created for me in error by Specialized Loan Servicing and that a portion of my XX/XX/XXXX mortgage payment was applied to that escrow account, thereby reducing the mortgage payment that I made in XXXX. My XX/XX/XXXX payment was then placed in suspense because the remaining funds of my mortgage payment could not be applied. The same processing error occurred again in XXXX of XXXX, when I made my usual, ( and correct ), mortgage payment. The representative acknowledged that I am not in default of my mortgage and that Specialized Loan Servicing will need to remove the escrow account that it created in error and reverse any payments and charges that were erroneously applied by SLS, so that my XXXX and XX/XX/XXXX mortgage payments can be correctly applied. The representative could not give me a date by which SLS would correct its error on my mortgage account. 

When speaking with the Escalation Department representative, XXXX, I requested that SLS provide me with written confirmation that 1 ) The escrow account has been closed and that all fees and payments have been reversed and that 2 ) The foreclosure notice has been invalidated. 

The Escalation Department representative stated that the written confirmation that I requested is not normal procedure for SLS, so I would need to write the company directly to specifically request such written confirmation. For this reason, I am filing this new complaint to request CFPB 's assistance in obtaining the requested written confirmations from Specialized Loan Servicing as soon as possible.
Consumer complaint received 2019-02-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Aldridge Pite, LLP (GA)

On or around XX/XX/2017 ALDRIDGE PITE LLP and agent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, filed a adverse action claiming a Business has appointed him attorney in fact to seize my personal property which is used for household purposes. They have stolen my identity and created fictitious documents. I had a private agreement which these people and entities are not privy to, but somehow they have all my information including my social security number. XXXX XXXX XXXX was the complaining party stating the business entity XXXX XXXX XXXX XXXX, XXXX, DBA XXXX XXXX, NOT INDIVIDUALLY BUT AS TRUSTEE FOR XXXX XXXX XXXX XXXX submitted an affidavit swearing to own my household goods ( Home ) which they have no security interest. XXXX XXXX XXXX has also used my name without authorization or consent or any contract whatsoever claiming that I a natural woman gave a business XXXX XXXX XXXX XXXX XXXX in California power of attorney to act on my behalf. No such document exist! furthermore a business can not be appointed attorney in fact or power of attorney for a natural woman. Another agent by the name of XXXX XXXX. XXXX Bar # XXXX is also claiming the same and has send threatening mail to my domicile for a fictitious obligation. I have sent the firm a trespass warning and they continue to violate my rights by submitting fraudulent documents on the public record. These people are debt collectors and I requested the contract that they claimed exist and they refuse to comply and now i am homeless due to their treasonous actions.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-04-02
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. (AZ)

On XX/XX/23 XXXX XXXX XXXX and I made an agreement to settle a collection of {$1400.00} paid in full and removed from my credit report for {$1100.00}. I was promised that a letter would be sent to me stated those details. The collection agency reported that I only paid XXXX which has still left a balance of {$340.00} on my credit report. They also stated that I would receive a letter in ten days after the payment was approved. It is now XX/XX/23 ( 16 days ) and I did not receive the letter stating that this debt is resolved in full and would be deleted from my credit report. 

Under an investigation to Experian and XXXX and XXXX. All companies are refusing to remove the existing amount in full from my credit report even after showing them the noted ( Conversation ) I have with XXXX XXXX XXXX.
Consumer complaint received 2019-02-02
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Med-1 Solutions, LLC (IN)

Med-1 Last Call was made on XXXX XX/XX/2018. I have notified them more than once I was on the XXXX  XXXX XXXX  XXXX ( in written form ). They have continued to call. 

They call from ( XXXX ) XXXX plus other phone numbers which I never answer,
Consumer complaint received 2021-02-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Helvey & Associates, Inc., Warsaw, IN Branch (TX)

I moved out of my Florida townhouse on XX/XX/XXXX and provided XXXX XXXX with my forwarding address in case there was a final bill not taken care of by the security deposit. Rather than sending the bill to my new address in Texas, XXXX XXXX sent it to the same Florida address ( please refer to attachment provided via Helvey verification ). I made ample notification to the utility company of the cut off date along with my forwarding address. Nevertheless, I did not receive any correspondence from Helvey and Associates. Helvey proceeded to add a collection account to my credit report on or about XX/XX/XXXX. I was never given the opportunity to pay prior to their notation on my credit report for a {$250.00} utility bill. Its unethical behavior on Helvey as I never received notice from the company. Upon reviewing my credit report, I made the payment in XX/XX/XXXX after requesting verification.
Consumer complaint received 2021-06-19
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: EQUIFAX, INC. (MA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Advantage Auto Sales, Inc. (IL)

The problem is XXXX  is still reporting this Incorrect & unverified account on my report. I sent multiple letters stating this account if incorrect & unverifiable, they never sent proof on how they verified the information.
Consumer complaint received 2019-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Re : XX/XX/XXXX & TODAY, XX/XX/XXXX TWO DATES, TWO COUNTS : The contract fraud and the invasion of privacy : Without prior consent and agreement Capital One modified the normal method I gain access to the account and now requires me to waive my right to privacy through an intrusive message prompt instructing me to call them at XXXX if I need help. 


They offer three options but block the option I choose to use.

Capital One can not show any agreement between us where I consent to communicate with them by telephone or text. 

To do so waives a right to privacy when the connection begins with their use of an automated voice device that introduces the caller to the system guide that will confirm the waiver with each step. Next an audio message discloses the callers ' voice will be recorded during the call and lastly location identification of the caller is collected & stored. 

The blocks are abusive and negligent, and violate my rights under the ADA. 

They must correct their error and the pattern of negligent, intrusive and interference with my financial duties & responsibilities.
Consumer complaint received 2019-02-01
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. (WI)

XXXX ran my credit WITHOUT MY CONSENT OR AUTHORIZATION! XXXX  or equifax did not properly conduct the investigation and has still Not removed this from my credit report hence me filing another complaint in less than 3 months!
Consumer complaint received 2022-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On the XXXX of XXXX Ive noticed a hard inquiry was reported to TransUnion on my credit report. I got a notification on my phone from XXXX XXXX indicating that I applied for some type of credit on XX/XX/22 which I did not applied for anything at all on that day or any other day. The company name is XXXX XXXX XXXX XXXXXXXX I Looked up that company and I placed a call but they prompted me for my information and a referral number which I did not have, so I told them that my name or information was used by them so they told me to repot it to the credit report agency which I had done.. XXXX XXXX XXXX XXXX  could not give me any information unless I gave them all my information which I do not feel safe on doing to a company I do not know anything about and why and how they had my information in the first place.. so Im reporting this to have that hard inquiry removed from my credit report and to find out what I can do to have my personal information removed from certain companies or third parties companies and keep my personal information safe? However I did have all 3 credit report agencies freeze my accounts but I dont think that its enough to keep my identity safe. Thank you
Consumer complaint received 2022-04-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (PA)

My wife and I paid the remaining balance on our card ( {$4000.00} ) in one payment to be done. Apparently we did this two days after the last due date. With this, the company ( Wells Fargo ) states that since we paid it two days after, we still have interest for that month. How could I be charged interest for money that is not currently loaned to me? If anything, I could see the two days of interest, however, they are charging me the full month. This is total XXXX. Can I charge them interest for money I didn't loan them? Man, I could become really rich with this practice.
Consumer complaint received 2022-07-03
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. (FL)

I asked the Credit Bureaus to complete a verification on my credit report. They came back and stated that everything was accurate. Upon doing a investigation my self I found some improper actions myself. 

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

15U.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.
Consumer complaint received 2020-07-05
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. (CO)

I have 4credit cards issued by CITI. In the months of XXXX through XXXX they dropped all credit limits on three of the cards and I expect the 4th one to drop next. Although my credit card useage is high, prior to the decreases about 38 %. It is now over 50. I have dramatically cut card useage down since XXXX when I no longer had to pay medical expenses accrued during XXXX XXXX  I was being treated for with no insurance. I had one card with them which was a balance transfer option and I paid down some of my cards with it. I have impeccable payment history and have not gone into collections for medical  bills. I have never missed a payment nor been late and even during COVID made my payments while on job attached unemployment. I have not missed work even through XXXX  although I cut down on hours when feeling XXXX  from side effects. I went back to work quickly against doctors wishes when I had XXXX. I feel that destroying my credit rating by one bank that holds a monopoly of different credit cards is not correct. This bank has brought my credit score down by 42 points in three months and has put my credit with my other cards at risk. I am not a risk and have worked to ensure all payments are made on time and in full. I am a XXXX  and I pay more when I can but always minimum due. Last month I paid over 500 of balances down which does not seem like a lot but it was an accomplishment. I more than qualify for chapter XXXX bankruptcy, but it is not an option as I am a responsible consumer. I have reached out and was told they reviewed my credit report and decided this was my punishment for using credit cards. I was told that with my permission prior to XX/XX/XXXX they woul re~review my credit report, which is now down 42 points and because of their direct interference my credit useage has jumped up. Their decision will not change and will then add an inquiry. I was notified via letter that the decision was not based on credit company information when in fact it was. I did not know a review of my credit file was used. I am nervous about the effect this is going to have on my purchase of a mobile home with my daughter. This is a lot of power that one entity has over one person. I feel that the freedom of these types of actions should be monitored. This a very common occurrence with this bank especially as I have been studying complaints with XXXX. I understand the need to make changes but not on that many accounts in such a short period of time.
Consumer complaint received 2022-06-23
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

CAPITAL ONE AUTO FINANCE has been reporting inaccurate information to my credit report. 15 u.s.c. 1692 The account was charged off & Capital One Auto Finance has added fee 's to my account to get addition money from me {$13000.00}. This company is stressing me out. They sent me offer to my email then when I apply I'm denied. I feel it's false & misleading
Consumer complaint received 2022-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date XX/XX/2022, TransUnion has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX, XXXX. I believe it was reporting in error.
Consumer complaint received 2020-07-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a service member and a XXXX XXXX XXXX. I have problems with my accounts having large transactions wired. I worked so hard to earn where I am in my financial status having fair share of the economy, personal hardships and XXXX. All of my financial reports has problems with Identity theft, account data breaches and security problems with online bank accounts etc. I have invested on my XXXX XXXX XXXX. which has been fortunately international company now. I have bank accounts all over, including off shore accounts. Bank of America closed my account, reported my information to XXXX XXXX   for fraud supposedly. I have done XXXX  wire transactions with the bank and I maintain the account on good standing. 
Military, civilian, taking care of my family, work, I have been blessed to come to this life. I have been fraudulently, treated unfair and have been discriminated by Bank of America and XXXX XXXX. One transaction for example would be a {$900000.00} wire transfer didn't clear with Bank of America. It was a XXXX  income, transactions from my XXXX   international and domestic. Basically they closed my account and was discriminated being a young XXXX, I have XXXX XXXX   XXXX. I have all of my life together but sudden unfortunate events took place at once. All my informations regarding my financial status has been compromised by being affected thru cyber awareness identity theft, my documents lost and my life took another turn with having to be diagnose with XXXX XXXX. I want my money bank from Bank Of America and XXXX. All my informations were taken from me regarding my financial history. It has been years since I took a risk on this XXXX  Accounts and lost large amount. I didn't get any more explanations from Bank of America for I know the money is kept by them. Please help me get my life back all together you can save my humanity from finance first and then whatever comes after. God bless.
Consumer complaint received 2023-11-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc. (GA)

On XX/XX/ CashApp service goes down and when it came back up and I logged on my account was closed with a broad statement claiming I violated the terms and services agreement. However I had done nothing to warrant the closure or statement. Since then I have tried to appeal the closure and have been getting run around on getting my account opened. It wasn't until I filed a XXXX complaint on XX/XX/XXXX that I finally got some sort of motion with email contact from a representative. However it ended up just being a run around with the same ambiguous statement with no proof of me violating the terms and services agreement and that because they closed my account it can't be reopened. They are blatantly lying. The attached photos was the end result of the email communication.
Consumer complaint received 2022-04-27
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. (CA)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.