davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-08
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 XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Consumer complaint received 2020-11-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MORTGAGE 1 INCORPORATION (MI)

Company is using predatory tactics to generate fees. Company refuses to forward statements to home address, and then piles on fees as a result. 

We put in an official change of address, but company refuses to recognize change. Since we dont get any statements and notifications by mail, fees pile up. 

They refuse to remove fees.
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

On XX/XX/XXXX a letter went out asking for my free credit report. Called on XX/XX/XXXX, I was told it was mailed XX/XX/XXXX. I asked about it - I was told another one would be mailed out. Where are they? I even called to put in my current address as a consumer comment so they would have it correct since they refused to put it in in the address field. 

Transunion simply refuses to mail me a free credit report as provided by federal law. 
XXXX and XXXX has both complied with the law, why can't transunion?
Consumer complaint received 2022-04-08
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. (LA)

I, XXXX XXXX, a consumer, am submitting this complaint against Transunion and there is no third party involved. Transunion has my personal information inaccurate and incorrect on my consumer report, which is causing great stress. MY NAME IS XXXX XXXX. I do not have any other names or aliases, and I do not wish to disclose any other names or aliases. Unless Transunion can produce or present to me legally authorized evidence to retain much less report these names, I DEMAND THAT TRANSUNION DELETE THEM FROM MY CONSUMER REPORT. Otherwise, they are infringing on my consumer rights. MY CURRENT ADDRESS IS XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I currently have NO OTHER ADDRESS and I do not wish to disclose ANY OTHER ADDRESSES. Therefore, If you are reporting ANY OTHER ADDRESSES I DEMAND THAT YOU DELETE THEM FROM MY CONSUMER REPORT. Transunion has no legal authority to retain these inaccurate addresses on my report, especially without my written consent. if applicable, ALL OF THE PHONE NUMBERS LISTED ARE INACCURATE AND I DO NOT WISH TO PROVIDE ANY TELEPHONE NUMBERS. I do NOT wish to disclose ANY EMPLOYERS, unless you can produce or present to me legally authorized and verifiable evidence to retain much less report these employers. I DEMAND THAT YOU DELETE THEM FROM MY CONSUMER CREDIT REPORT. The name on my ID and utility statement is how my name should be spelled. XXXX XXXX. The address on the enclosed utility statement is my ONLY ADDRESS. Included are exhibits to evidence the correct spelling of my name ( ID ) and correct address ( UTILITY STATEMENT ). I DEMAND TRANSUNION TO CORRECT THIS INACCURATE INFORMATION WITHIN THREE ( 3 ) BUSINESS DAYS BECAUSE THIS IS CAUSING ME PROBLEMS OBTAINING HOUSEHOLD GOODS, A PLACE OF RESIDENCE, TRANSPORTATION, AND STABILITY. Transunion is now liable for damages of $ 1000/violation for Civil Liability for willful noncompliance, which Transunion has failed to comply. This also includes any actual damages.
Consumer complaint received 2022-01-17
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PENTAGON FEDERAL CREDIT UNION (NC)

I closed my checking account with PenFed Credit Union & moved approximately $ 17k from savings to another institution as I wasn't happy with the fees I was being charged to use supposed free ATMs not to mention other issues. Since then, it seems I've been having issues with deposits showing as available as there is nothing to indicate they aren't, but when a withdrawal comes through it doesn't clear and I'm subsequently charged these fees. Additionally, in the past if funds were not available they simply did not allow the withdrawal to go through. Not to mention, that if I'm transferring money from another credit union for a loan payment, lo and behold that money is immediately credited. The problem I have is that when I've transferred money and look to ensure it's available it shows that it is but when the IRS for example tried to deduct payment from that account it was allowed to go through then reversed. I was then charged an overdraft/insufficient funds fee. I've never seen a " reversal '' the entire time I had my savings account which was a couple years if not longer. More recently, I transferred money between credit unions and the same thing occurred. The money showed available but when I initiated a payment I was charged a massive fee which took the bulk of what I'd deposited. I'm more than aware of what my accounts look like when a deposit is on hold or available & as I said, I'd never had an issue until I moved my savings and closed my checking. I'd contacted their leadership ( XX/XX/21 ) regarding the incident with the IRS because I was required to a fee of {$220.00} or so to reinstate my payment plan. It would have cost me a fraction of that if the IRS could deduct my payments directly but I couldn't trust that PenFed would allow the payments to go through. So I'm tasked with extra burden of mailing these payments or incurring extra fees to pay online. PenFed claimed after months of no response that they'd been unable to reach me although my contact info was current and updated. I should also mention that " coincidentally '' I'm having some difficulty receiving the title or having the title of the vehicle I'd financed with Penfed sent to the new lienholder. Lastly, I'm in the process of paying off a small loan to close this account since I have already refinanced my car loan with another credit union. However, I wanted to make my dissatisfaction taken seriously which is why I am filing this complaint with the CFPB.
Consumer complaint received 2021-03-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Acra Intermediate Holdings, LLC (CA)

My mortgage was placed in Covid Assistance Payment plan XX/XX/2020. In XXXX I started a refi. Broker. XXXX XXXX XXXX ID XXXX This was to be a stated income refi My credentials. Credit Score. XXXX A years worth of deposits averaging XXXX monthly. Provided and average way above that Only debt. Lease car XXXX left. Tractor XXXX left. Co signed on grand daughter car XXXX. No credit card debt. We agreed to pay off lease and tractor thru refi Mortgage left on house XXXX. Appraised at XXXX XXXX Biggest stipulation was a balloon payment on the forebearance out of pocket. I had to make over a XXXX payment to satisfy the lender Underwriter has constantly delayed and messed around on this loan. XXXX and Acra management many times telling me that I was way qualified for this refi but waiting for underwriter to approve. 
XX/XX/XXXX I get a text that underwriter has mistakenly sent out to me adverse notification and both XXXX And XXXX conference call me to apologize and ignore. XX/XX/XXXX the letters arrive three times today XX/XX/XXXX I was informed that the underwriter decided he cant reinstate the loan and we need to start over Its been 4 months. Im in worse financial crisis now with the forced XXXX balloon payment That money was to be part of the loan back to me. Property taxes are due shortly. Ive paid out of pocket for the appraisal and this company treats it as a joke The excuses and blaming on their part is unacceptable. They have been provided with a years worth of documentation regarding current and past lender Ive been told Im more then qualify esp with XXXX equity in my home. 
Now Im out XXXX that as a senior citizen I desperately needed and now read that a balloon payment was wrong on their part Please help XXXX XXXX XXXX XXXX XXXX Acra Lending Services NMCS ID XXXX Adverse letter signed XXXX XXXX XXXX Lending XXXX XXXX XXXX
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Account Name - XXXX Account XXXX - XXXX In accordance with the fair credit reporting Everything must be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate. This ground for removal they also violated my rights under : 15 U.SC 1681 Section 602 A states I have the right to privacy, 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish without my written instructions Also the credit bureaus took more than 30 days to complete my investigation.
Consumer complaint received 2022-08-15
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. (PA)

I, the consumer has attempted to reconcile directly and through equifax and experian to delete these accounts from the consumer report Pursuant to 15 USC 1681 there is a grave responsibility to my privacy there is no written consent given to Dept of education, XXXX, or XXXX  to report any of this information there is no consent given to XXXX  equifax or XXXX  to furnish this information
Consumer complaint received 2020-09-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (WA)

On XX/XX/2013 I received a modification on my mortgage through XXXX XXXX XXXX. The fixed interest rate was to be 4.25 % for the life of a 40 year loan. My loan was sold to XXXX XXXX who sold it to XXXX, who has gone bankrupt. From there Loancare purchased it. I noticed my interest rate was now at 4.625 % and called them. They said that was the rate when they acquired it. What can I do? I'm having trouble with keeping up as my job I have now, due to covid-19, doesn't pay as well.
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Equifax, XXXX and XXXX have been allowing someone to run my name and social and I have been getting hit with hard inquiries that are fraudulent and causing my credit score to fall Equifax Fraud dispute number XXXX I also called XXXX and XXXX XX/XX/2022 and filed fraud claims as well Equifax is reporting 20 hard inquires on my credit file and I had 0 inquiries last month when I called to check upon speaking with the Equifax agent she made me aware that there were 20 inquiries besides the one that I call about and when I checked it was indeed old fraudulent inquires that were disputer from my account years ago that they placed back on my file!
Consumer complaint received 2022-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

This complaint is a follow up on a complaint. Unfortunately when I complained about not getting my points I put the wrong amount in the complaint. Ethically Capital One should have awarded the correct amount per the terms of the contract anyway, so this is very misleading on their part again. I stated on my last complaint I should have received XXXX for spending {$3000.00} in 90 days when the correct amount should have been XXXX. I tried to once again settle this matter over the phone with Capital One to get my extra XXXX and they have ignored the request to fix the issue. I was told basically the same lingo as last time and that a XXXX would review it and award the extra XXXX in about 5 days. No such luck which is why I am writing this. Attached is screen print of the different award options Capital One offers. My XXXX card is the XXXX level when {$3000.00} is spent in 90 days. They know that so I'm not sure why they are wasting everyone 's time and not awarding the correct points.
Consumer complaint received 2022-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Good day! 

This narrative letter is a complain I am filing against Capital One Bank Checking Account.

I deposited two checks on XX/XX/2022 to my bank account which is the Capital One Bank. 
One check is from auto insurance ( XXXX amount is {$3600.00} ) and the second is auto insurance ( XXXX amount is {$2800.00} ) Unfortunately Capital One Bank froze my account on XX/XX/2022 that I cant able to access.For some reason that the check wasnt written under my name but under my customers name. I been trying to call them to fix my account however they mention it takes 60-90 days to fix for them and 90 days is over already. 
And now they mention that they need a HOLD HARMLESS FORM from the auto insurance company I been calling capital one bank that XXXX XXXX doesnt issue that form cause the money has go through already. 
And now I am truly mad and frustrated this kind of management they have. 
Please help me cause that was ourBREAD AND BUTTER
Consumer complaint received 2022-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Since submitting my original complaint ( XXXX ) regarding the receipt of multiple unsolicited credit cards from Bank of America , I received a bill for the Annual Fee for one of the cards. I tried to call the Bank of America customer service representative who is reportedly assigned to my earlier complaint and was repeatedly sent to voice mail. This issue has gone from an annoyance and concerns about fraudulent use of my information, to an attempt to extort money directly from me. Given the lack of attention to the original claim, I am concerned that Bank of America may be involved in such activity on a wider basis, and would be willing to discuss my case with CFPB investigators.
Consumer complaint received 2021-08-27
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: Experian Information Solutions Inc. (CA)

I previously mailed the attached letter below on XX/XX/XXXX and have yet to see any changes made to my credit file. Please review the attached letter I am providing which is pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft
Consumer complaint received 2024-09-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: GREENSKY OPERATIONS, LLC (CA)

On XX/XX/year>, my mom who was 93 years needed a new furnace. We called XXXX XXXX, they ran her credit, she was denied. I applied as a co-signer, we were approved. The furnace was installed. 

Sometime in XXXX I tried to make a payment. I discovered a week later that the payment was returned. I called Greensky because when I looked at my account, it showed a XXXX balance. Someone was going to check and return my call. No one returned my call. 

In XXXX XXXX XXXX called, they told me my loan had not been activated and to call Greensky. I called Greensky and they told me I had a XXXX balance. I explained that it could not be. I send then a snapshot of my account balance. They said they would do some checking and get back to me. No one called. 

I was told that because my loan was pass the deadline and I would have to apply again. So I did. On XX/XX/XXXX, I applied again. I continued to check my account and it continued too be XXXX. 

XX/XX/XXXX, XXXX contacted me to inform me that the loan was getting ready to expire and that Greensky needed the loan activated. I explained that I had followed up several times with no resolve. That my account still showed a XXXX balance. I sent them a snapshot. 

Some time in XXXX I called and I was told that my loan was canceled due to fraud. When I inquired why, I was told that someone called it in as a fraud. I explained that it was not me. Perhaps the fraud was on the wrong account. I ask them who called to report it. They couldnt tell me. On XX/XX/XXXX I applied again. XX/XX/XXXX I received a letter. They didnt process it because I now had a credit freeze on XXXX due to the fraud. 

I applied again. On XX/XX/XXXX I received another letter stating that my credit score was XXXX but that I had key factors affecting my credit. When I called Greensky for an explanation because the credit score indicates good credit so the key factors were unsubstantiated. I asked to speak to a supervisor or manager. I was told there was no one else I could talk to. 

I then called XXXX XXXX, they own Greensky. I asked for help and was assured they could get help for me. They transferred me to another customer service rep that told me again that there was no one to talk to since I had been declined. 

I applied again last week and was declined. I called them and was told for the same reason above. That I would have to wait for my letter.
Consumer complaint received 2020-11-27
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: Experian Information Solutions Inc. (FL)

On XX/XX/2020 I mailed a dispute with Experian credit reporting agencies in regards to inaccurate information reporting on my credit report with no response. Also on XXXX/XXXX/2020. I mailed a Demand and XXXX XXXX. and still haven't received a response. I never received any notifications in regards to investigation results. It has now been over 30 days. 
Per the fair credit reporting act section 609 they must remove the following information or be in direct violation of my consumer rights as a result of non compliance with the 30 day statue of limitation stated in the fair credit reporting act.
Consumer complaint received 2020-11-27
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Lil' Wave Financial, Inc. (CA)

there are some really ill practice going on with the company they are not allowing me to pay off Superior Loan Servicing. I tried to schedule ACH and they said we need to wait for your ACH clear untill you schedule ACH. that was never communicated to me earlier I have taken loan to pay off the loan. they asked me I have to send wire to close.and we will send you a payoff statement after that you can pay us it will happen on XX/XX/XXXX and this conversation is on XX/XX/XXXX. the reason they dont want to accept money for ach because 1. I tranferred too much money 2. They are not certified Finally I asked for the wire details they just deducted around {$100.00} fees for the XXXX knows what but never sent me wire details
Consumer complaint received 2020-09-20
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. (TX)

Right after I graduated in XX/XX/2017 and searching for employment, Hurricane Harvey hit us bad and destroyed our home, injured my father and no income to the family other than Disaster Unemployment. 
I contacted Nelnet and requested for relief which was provided to me. I was able to find a very low income temporary employment and requested Nelnet for additional payment relief and provided all forms and documents they requested but they kept saying they did not have all the documents until I was able to work with a rep who watched for my email and confirmed receipt of all documents. BUT, In XX/XX/XXXX,  Nelnet reported 14 ( THIRTEEN ) late payments to Credit Bureaus. 
Every time I speak to someone at Nelnet, I get a different representative giving me a different set of information. A few months ago, one representative spoke to his supervisor and told me a request was sent to Credit Bureaus to remove these delinquencies but they have not been removed yet in 3+ months. I If the issue is not resolved within 30 days then I will take this matter over to the Court.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Finding an error indicating a late payment on my account is XXXX, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted anxiety, and I urge you to rectify the situation promptly by updating my records accordingly.