davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (SC)

Year XXXX of XXXX. Great Lakes is who has my loan under consolidation. Before my loan was consolidated, I contacted Great Lakes questioning twice if the correct balance and the payments that I made to XXXX XXXX under Dept. of Education collections will the payments be applied to my consolidation once completed. Great Lake reps stated yes. XXXX XXXX rep XXXX when I was under them stated any payment which was the {$200.00} during Covid in which I did not have to pay, that it was going toward the loan ONLY. When the loan transferred to Great Lakes the full payments totaling {$200.00} did not transfer. They transferred only a few dollars. Contacted XXXX for a receipt since Great Lake stated they needed two wks ago in which nothing was done. I called XX/XX/XXXX spoke to first rep, he was lost with what my concern was so I requested a supervisor. XXXX ref # XXXX was repeating information that we both could see in which was the same information i explained to her even after I let her know that this is not what you all with Great Lakes told me while waiting for the consolidation transfer. I told her that they ask for a receipt and still nothing has happened. Instead of just letting me know that you don't know what to do you just sat on the phone listening until I ask what is the next step that you all need to take. She mentioned the next up of her manager. They are not trying to help anyway get there account corrected with the correct balance even after they requested a copy of receipts. I just want my loan amount corrected because this is my hard earned money.
Consumer complaint received 2020-08-14
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: Experian Information Solutions Inc. (TX)

I have no idea where these credit inquires come from, I have written the 3 major credit bureaus twice to dispute these inquires, I did not give anyone from these companies permission to run my credit, I don't know how they obtained my personal information but i don't know any of these companies. I have asked Experian, XXXX, and XXXX twice to remove these inquires because I have no idea where they came from
Consumer complaint received 2024-10-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transferred and bounced around to voicemail or not. I have been leaving voicemails for several days now at multiple times. 

Too many delay tactics in place to stop me from verifying that the documents were received. I suspect that they are forcing my hand to rectify postponement or cancellation of " active foreclosure. '' A payoff has been requested and an " audit '' has been done on the account as if they are not planning to be objective during " mediation. '' I was notified that the foreclosure sale date was on XX/XX/year> and now it is replaced with the same date as a " Mediation '' date. 

Housing counselor appears to be posing the same antics and seems to be delaying the assistance since XXXX. I can't get in contact with any support to help me stop the " Foreclosure '' actions before " Mediation. ''
Consumer complaint received 2021-02-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NY)

I have no idea where this transaction originated. It comes up on my account as ATM/ACH DEBIT XXXX PAYPAL INSTANT XFER for {$69.00}. My credit union could not track the company or a phone number - the trace # is XXXX - i contacted Paypal and they have not returned my messages or phone calls. The credit union said it looks like some kind of recurring payment but for what I have no idea. Can you help?
Consumer complaint received 2022-07-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Upon reviewing my updates, there is unauthorized inquiry and incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiry listed is unauthorized and the following personal information were inaccurate and needs to be deleted immediately : XXXX XXXX XXXX XXXX AV XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX  Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-09-11
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 — Their investigation did not fix an error on your report
Company: PLANET HOME LENDING, LLC (KS)

During the COVID-19 initial impact on the United States my home loan company promised that if I enrolled in their loan forbearance protection I could skip up to 3 months of payments with no impact that would be reassessed at the end of the 3 months. I only skipped 1 month and quickly repaid it back over the next 2 months. They reported to the credit bureaus that I missed a payment. This clearly went against their published policies that during the pandemic no negative reporting would occur. They violated their agreement.
Consumer complaint received 2022-12-15
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX ( Original Creditor : TEXAS XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX TEXAS ) XXXX Balance : {$260.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$440.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  TEXAS ) XXXX Balance : {$260.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$440.00} ( Original Creditor : ) XXXX Balance : {$150.00} ( Original Creditor : ) XXXX Balance : {$190.00} ( Original Creditor : ) XXXX Balance : {$200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX Balance : {$680.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$590.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$930.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-07-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

Experian reports a date of last activity of XX/XX/XXXX while the other bureaus report different dates ( XXXX reports XX/XX/XXXX and XXXX reports XX/XX/XXXX ), which is a clear indication that the bureaus are not reporting accurately. 

Experian also lists this CLOSED account as XXXX and continued to report positive payments on a closed account.
Consumer complaint received 2024-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no XXXX  party involved. Please review the uploaded letters.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I saw this verbiage on my XXXX credit report that I did not wright : XXXX & xx-xx-xx xxxxxxx id fraud victim alert fraudulent applications may be submitted in my name or my identity may have been used without my consent to fraudulently obtain goods or services. do not extend credit without first contacting me personally and verifying all application information at day XXXX or evening XXXX. this victim alert will be maintained for seven years beginning XXXX. 

I don't know where this came from but the XXXX is a number I do not recognize the XXXX is my cell phone. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Illinois XXXX is the only information that should be on my account Also I am employed by XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-11
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: Spring Oaks Capital, LLC (TX)

In accordance with fair credit reporting act Spring Oaks Capital LLC, has violated my rights. 

15 USC1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : ALSO STATES A CONSUMER REPOORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT A 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 ANY PURP [ OSED.
Consumer complaint received 2022-07-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I reported to TransUnion, that the collection from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX {$67.00} and Acct # XXXX {$120.00} have inaccurate account status. The account status is listed as open on both accounts and an account that is in collection can not be listed as an open account. 
XXXXXXXX XXXX XXXX TransUnion Account # : XXXX -- -- High Balance : {$67.00} -- -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX -- -- Date Reported : XX/XX/XXXX -- -- Date Opened : XX/XX/XXXX -- -- Balance Owed : {$67.00} -- -- Closed Date : -- -- -- Account Rating : Derogatory -- -- Account Description : Individual -- -- Dispute Status : Account not disputed -- -- Creditor Type : Collection Services -- -- Account Status : Open -- -- Payment Status : Collection/Chargeoff -- -- Creditor Remarks : Placed for collection -- -- Original Creditor : XXXX XXXXXXXX XXXX -- -- Last Payment : -- -- -- Past Due Amount : {$0.00} -- -- Account XXXX XXXX XXXXXXXX TransUnion Account # : XXXX -- -- High Balance : {$120.00} -- -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX -- -- Date Reported : XX/XX/XXXX -- -- Date Opened : XX/XX/XXXX -- -- Balance Owed : {$120.00} -- -- Closed Date : -- -- -- Account Rating : Derogatory -- -- Account Description : Individual -- -- Dispute Status : Account not disputed -- -- Creditor Type : Collection Services -- -- Account Status : Open -- -- Payment Status : Collection/Chargeoff -- -- Creditor Remarks : Placed for collection -- -- Original Creditor : XXXX XXXXXXXX XXXX -- -- Last Payment : -- -- -- Past Due Amount : {$0.00} -- -- Account Type : -
Consumer complaint received 2024-12-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (IN)

I have had my account with Citibank for some time with no issues. I received a check in the amount of {$530.00} from an auto company my business partner, XXXX XXXX, and I do business with. The check was made out to XXXX XXXX however he had been admitted into the hospital due to complications with XXXX. Therefore he signed the check over to me. I deposited the check using the mobile deposit option. The check was accepted and cleared with no issues and was placed in my account on XX/XX/year>, the following day I tried to access my account and found there had been a block placed on the account. They would not give a reason for months then they tell me it's because their system accepted the XXXX party check and it shouldn't have. I was told the money would be returned to me after 60 days and the account would be closed. It was not. I was then told the money was returned to the auto company that wrote the check. XXXX XXXX called the company and they stated they did not receive any funds back and the check was cashed. I have been told for months that my account is in the process of closing however, I still receive an email monthly letting me know my new statement is available ( which i can not access ). I have asked citibank repeatedly to close the account and send me the remaining funds however they refuse to do so. They have held my money for going on 6 months now and it doesn't look as if they plan on resolving their issue any time soon. I only want the account closed and my money sent to me. They did state that if XXXX XXXX and myself go into a branch with our ID they will return the money. The closest branch is XXXX of miles away from my area and XXXX XXXX, although he is now out of the hospital, he is still not able to travel such distance. I have explained this to Citibank and they have made it clear they do not care about XXXX XXXX condition. If there is any way at all you could assist me in receiving my money from Citibank it would be greatly appreciated. Thank you
Consumer complaint received 2020-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

XX/XX/XXXX authorized online XXXX XXXX XXXX charge {$13.00} to Citi Credit Card. In XX/XX/XXXX, discovered a merchant Id never done business with nor heard was making multiple charges to my card of XXXX. Called Citi Security. They chose to immediately cancel card. Got new card reissued XX/XX/XXXX. Citi decided to deny fraud & transferred unauthorized amount 2 new card, which I refused 2 pay, creating past due status, charging multiple late fees, multiple interests charges & reporting delinquency to credit bureaus, ultimately destroying my creditworthiness & lowering my credit limit line 2 {$800.00}. In XXXX, while very ill & many life altering issues ongoing, my credit card balance was paid 2 stop the bleeding. Ive made many, many calls 2 Citi. Have got most of Late Fees & interest charges reversed. Yesterday I was given & XXXX courtesy credit. But heres the unresolved issue. Ive twice called the company that made multiple charges ( XXXX XXXX XXXX ) to be informed theyve never received a cent from Citi. They closed their account showing fraud under investigation. So I paid full amount 2 Citi who never sent a XXXX to  so-called merchant, yet they cant tell me where the money is & how theyre going 2 get it back to me.
Consumer complaint received 2020-08-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (DC)

A Commonwealth Financial Services collections account appeared on my credit report a couple of months ago from a XXXX XXXX stay. At no point before the account appeared was I notified of an amount due that wasn't covered by insurance. Upon finding out about the collections account, I contacted Commonwealth for more information on the debt and they gave me the original creditors ( and subsequent client 's ) information. I reached out to my insurer and they researched the account and figured out that the physician 's office had billed incorrectly. They were able to get the claim re-processed and paid as of XX/XX/XXXX. The insurer sent me an Explanation of Benefits and informed me that they were unable to reach the original creditor ( XXXX XXXX XXXX XXXX ) and notify them. I have since reached out to Commonwealth Financial Services and have gotten nothing but the run-around and voicemails, I simply wanted a way to provide them proof of payment directly from my insurer, so that they could delete the records from the three credit bureaus. This is harming me because I now have a scarlet letter on my credit files die to no fault of my own, which had caused a significant drop in my credit score during a very trying time.
Consumer complaint received 2020-07-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (WA)

I refianced my house with my mortgage company, Mr. Cooper/Nationstar to take advantage of a lower interest rate. Several weeks after closing, I was sent a check on XX/XX/2020, for XXXX. I deposited the check and several days later I noticed, on my bank statement, that the check was stopped and I was fined {$10.00} from my bank for a stopped check. I called Mr. Cooper and spoke to XXXX XXXX ( phone number XXXX ), who seemed as perplexed as I was, that XXXX ) I was mailed a check with no explanation and 2 ) why it would be stopped without explanation from Mr. Cooper. She promised she would find answers and said, at the very least would refund me the {$10.00} fee. After reviewing my account, while I waited on the phone, she was unable to provide any answers. She said she would look into it further and return my call the following week. As of Wednesday the following week, she hadn't called back so I called her and XXXX told me the check was an error and the money went to closing costs. Considering I already paid {$15000.00} in closing costs, I find this difficult to believe so I requested a detailed explanation as to how this error could occur. She said she would have someone, who was more knowledegable in this area, return my call within 48 hours. No one called. I then called XXXX again on XX/XX/XXXX, got hung up on and when I called back, got her voicemail saying it is not accepting messages. So I then went through the whole process again to get answers and spoke with XXXX ( phone number XXXX ). She too, said someone would call me with an explanation within 48 hours and no one did. My last attempt was when I called XXXX on Friday, XX/XX/XXXX and left a message requesting a return call. As of today, XX/XX/XXXX, she has not. I am frustrated that no one can articulate to me why and how this happened with documented evidence. I have been getting the run around from employess for 2 months.
Consumer complaint received 2020-09-11
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: EQUIFAX, INC. (TX)

On XX/XX/2020 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. I 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 30 days gives a reason to immediately remove those items on 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 2021-10-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV INC. (GA)

We have been harassed by a company -- XXXX XXXX of XXXX  of Maryland who might be located at XXXX XXXX XXXX XXXX XXXX, CO XXXX. They are demanding payment for money we do not owe. They allege that the debt was incurred with XXXX XXXX. Please have them cease and desist.