davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (OH)

I had sent messages to Nelnet in XXXX through their website twice requesting to change the date of my payment as I already had several bills being automatically deducted from my bank account around the same time. Days and weeks passed with no response. I called on XX/XX/XXXX and after an EXTENSIVE time on hold, was finally able to speak to someone and requested that my due date be changed to the XXXX of the month. At the end of last week, I received my statement in the mail saying that my next payment would automatically be withdrawn on XX/XX/XXXX, which is the original due date I asked to be changed to mid month. I tried to call on Saturday to ask why my date had not been changed as I requested but there are no representatives available on the weekend. I work a full time job and it is very difficult to make calls like this during my work day. This morning around XXXX I called and used the option to receive a call back without losing my place in line. The estimated call back time was 33 minutes. At noon I still had not received a call back so I again tried to call and waited for almost an hour before I had to hang up due to time constraints. When I got home from work this evening, I tried to call yet again around XXXX and have requested a call back. I am doubtful I will get one. I am worried that this automatic debit will cause me to overdraw my bank account because of all the other bills coming out around the same day and I can not get in touch with them to inquire about moving my due date ( which I already did over 3 weeks ago ). It is beyond frustrating to spend this much time waiting on hold or for a call back for something so simple. This company should not be permitted to operate in this manner.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I checked my credit report and there are accounts on my file that do not belong to me. Equifax was involved in a data breach in which i was a victim of. I am filing a complaint due to that breach and would like the accounts listed below deleted immediately. 

INVALID EQUIFAX ACCOUNTS XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$250.00} XXXX XXXX  {$150.00} XXXX XXXX {$240.00} UNAUTHORIZED EQUIFAX Inquiries XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-06
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: EQUIFAX, INC. (TX)

Sent dispute letter XX/XX/2021 today is now XX/XX/2021 Equifax has not responded in the 30 day timeframe therefore I want accounts closed and deleted. Equifax violated 15 usc 1681b permissible purpose of a consumer report. I, the consumer never gave them written consent to report anything on my consumer report nor buy sale or trade my personal information.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/2023 ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$7600.00} ; XXXX XXXX Balance : {$11000.00} ; DEPT OF ED XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXXXX/XX/2023.
Consumer complaint received 2023-11-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: United Shore Financial Services, LLC (WA)

I FILED A COMPLAINT, # XXXX ON XX/XX/23 ' AND WANTED TO INCLUDE THE ACTIONS IN THAT COMPLAINT BY UNITED WHOLESALE MORTGAGE CAUSED ME TO INCURE OVER {$3000.00} IN PENALTIES, LATE FEES & A LETTER OF " DEFAULT ON MY CREDIT REPORT " WHICH I DO NOT THINK IS FAIR & UN-FOUNDED!!!! THE DISPUTE THAT THEY CLAIM OF SENDING LATE NOTICES & MY CLAIM I NEVER RECIEVED ANY WILL PROBABLY END UP IN A COURT OF LAW BUT WANT MY COMPLAINT TO BE SEEN & READ BY YOU!!!!!!!!!! 


THANK YOU FOR YOUR TIME!!!!!!!!
Consumer complaint received 2023-11-29
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)

I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.
Consumer complaint received 2023-11-29
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HW Holding, Inc (NY)

I sent this as an email to management at XXXX XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX and XXXX, XXXX, Hunter Warfield contacted me on behalf of XXXX XXXX XXXX XXXX XXXX and claimed that I owe {$12000.00} to XXXX XXXX XXXX XXXX XXXX. At this time, I would like for you to be advised that I am disputing this claim. 
On XX/XX/XXXX, during our visit at XXXX XXXX XXXX XXXX XXXX, your representatives XXXX XXXX, a XXXX XXXX employee and XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX attorney. Your representatives presented and signed the Stipulation of Settlement to waive the {$12000.00} rent arrears provided I vacate the apartment on XX/XX/XXXX. 
Your failure to adhere to the agreement and such conduct have caused me to suffer severe humiliation, embarrassment, emotional distress, and physical discomfort. Please take note that any future unsolicited letters, calls or text messages will be reported as a violation of 15 USC 1692c of the Fair Debt Collection Practices Act for debt harassment and unfair collections efforts in the attempt of collecting said debt. 
If you do not cease the aforementioned activity a lawsuit will be commenced against you. 
I HEREBY DEMAND THAT YOU CEASE AND DESIST all future calls, text messages, emails, and negative credit reports, and that you update your records immediately. 
If action is not taken by you to cease and desist, and if you do not confirm in response to my email Monday, XX/XX/XXXX, and by mail XX/XX/XXXX, I will have no choice but to take appropriate legal action against you including but not limited to filing a report against your company under the Fair Debt Collection Practices Act. 
I will also seek monetary damages to be proved at trial. Hopefully this recourse is not necessary, I have my own interest to protect and will vigorously do so. 
Sincerely,
Consumer complaint received 2023-11-29
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Problem with customer service — 
Company: ARVEST BANK GROUP, INC. (MD)

Arvest Bank and its subsidiaries have been noticed at least five times starting in XXXX to verify a debt they claim I owe. I have sent certified mail request to Arvest Bank to verify the debt. We sent requests to see the actual assignments with the signatures of the transfer and the accounting of the consideration given for the supposed assignments for the Promissory Note and Deed of Trust ( DOT ). We asked for a certified under penalty of perjury copy of the wet ink signature promissory note front and back which has not been provided. The bank states they are the secured party and holder in due course of the Instruments without providing proof. 
As of XX/XX/XXXX Arvest Bank has sent a copy of the DOT and a copy of the Promissory Note ( without wet ink signature ) stating that the Instruments say they are the secured party. Neither copy of the documents memorialize its transfer to anyone. I have communicated numerous times the deed of trust is unsecured because they can not produce the Original Promissory Note with the assignments or allonges. In two of the letters, the Arvest representative said they have the original documents and if we wanted to inspect them, we needed to travel from XXXX  to XXXX  to inspect them. 
Since XXXX we have asked for the identity of the owner of the Note, Arvest Bank finally disclosed on XX/XX/XXXX the private lender/owner of the loan. XXXX pass thru mortgage-backed security XXXX XXXX ( XXXX ). After researching the Trust and reading the pooling and servicing agreement, Arvest Bank cant have the original documents because the pooling and servicing agreement states Mortgage servicers do not have the original documents. Additionally, when researching the Trust our mortgage and note was terminated/written off in XXXX of XXXX. They have been collecting payments for 4 years on a written off mortgage. They have not replied to our discovery. I sent Arvest Bank proof of claim from XXXX website, the custodian of the Trust ( XXXX XXXX XXXX. ). 
Another issue I have uncovered is the lender on our Note and Deed of Trust is listed incorrectly which makes the Note and DOT unenforceable due to flaws. There have been numerous irregularities and errors with our XXXX mortgage transaction. 
Arvest Bank has initiated Foreclosure proceeding when they have no beneficial interest in an unenforceable terminated ( written off by the Trust ) Note and DOT. 

See attached.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2023 I received a copy of my credit report and I noticed 3 accounts that are listed on my credit that are not mine, and I never applied for and never used.
Consumer complaint received 2023-11-29
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY (CA)

This company is in violation of credit discrimination. I was denied however, I meet the credit requirements. The reason for the denial states : history of credit, age and no authorized user accounts. I have a XXXX credit score and my age should not be a factor. Unfortunately, I do not have access to authorized user accounts because family and friends do not meet standards. I am looking to build my credit history, but this company will not approve me for loans/lines of credit. This company is in violation of Title 15 subsection 6:11 false and misleading denial of my own credit. I demand a reversal and to be approved for credit.
Consumer complaint received 2023-11-29
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC. (AZ)

Applied for a NetCredit loan and was was approved except for the employment verification process. I called each time I resubmitted my application only to be told that the processing department was calling an incorrect number in their attempt to verify my employment. I provided verifiable numbers for my employer, my employers third party verification service including an email address and portal information with employer code. I was told they can only verify employment by phone, which is fine, if the correct number is called for verification. I finally submitted an official employment verification letter along with my most recent application and it was again denied with the following language : Dear Applicant : Thank you for your recent application. Your request for consumer credit was carefully considered, and we regret that we are unable to approve your application at this time, for the following reason ( s ) : Unable to verify employment It is apparent that my application was not carefully considered and I question if they even attempted to truly verify my employment in my subsequent application submissions. Between 5 different customer service representatives, I was told that they were forwarding the correct phone numbers to the processing department, but it does not appear the processing department is responding to any of the corrected information provided. 

I am verifiably employed and should not have my loan denied due to information that is available in multiple forms. If the intent is to verify information on my application, NetCredit has had every opportunity and all the information needed to do so. 

Therefore I must conclude, my application has not bee carefully considered.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Ive been building my credit over the past year and doing a pretty good job. I brought it up ( XXXX points from XXXX to XXXX ) and was looking at other ways to bring it up even furtherinvestigating XXXX XXXX and mistakenly opened a the line of credit XX/XX/XXXX, however, after researching more in depth, I realized that the credit builder account was for people with lower credit than I had at that point, so I immediately canceled it the same day, XX/XX/XXXX, and withdrew the money I initially invested. XXXX weeks later, on XX/XX/XXXX, my credit dropped XXXX points, the only change having been the closing of that account Compared to XXXX, who had lowered it XXXX XXXX for this account closure ( which I can understand ), TransUnion ( who partners with XXXX XXXX I found out soon thereafter ) seemed a bit extreme lowering my credit XXXX points, so I contacted them and XXXX XXXX and after forever on hold and being transferred back and forth the only answer I received was that opening and closing an account can drop your credit score and that the account was indeed valid ( which I never denied ). I asked why XXXX points? I said the account was opened mistakenly same day, and is there no grace period? An Investigation took place. Again confirming that I did indeed open the account, nothing was done about my credit score decreasing so much. Also, it shows that it was open XX/XX/XXXX and closed XX/XX/XXXX. How can that be correct??? 
( See enclosed photos )
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One Bank, on XX/XX/XXXX I received the email from the bank, telling me that my accounts ( Personal and Business Account XXXX XXXX XXXX ) will be closed. I receive the refund of the remaining balance of the personal account in a couple of weeks. 
However, regarding the Business account, I begin to call every XXXX weeks asking about the refund of the remaining balance, that was {$69000.00} USD. They kept me telling me that the case was under investigation, I wrote an email to the CEO of Capital One bank on XX/XX/XXXX, complaining about the situation, and on XX/XX/XXXX calling again to the CASE RESOLUTION TEAM PHONE XXXX, told me that they tried to the send back the funds to the bank where the funds was sent originally, on XX/XX/XXXX. In addition they told me that some process should be done by the origin bank, and they did not execute that process. And Capital One Bank decided to give my money to the " State ''. 
There were no comunication from the bank at all during all this time, informing me that the fund was sent back or any status of the funds. The only information that I got during thius time, it was just phone calls that should be recorded.
Consumer complaint received 2023-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NV)

This was for my Citibank card. I had an autopay that usually pays in full but I moved across the country and had more charges than usual, so I changed that payment to {$1700.00}, an amount well over the minimum required. At least that's what I thought but I must have accidentally created another payment of {$1700.00} because two {$1700.00} payments were taken on XX/XX/2023. I spent hours calling that day and several days after to get one of the payments reversed, and even spoke with a manager who assured me it would be reversed. It was never reversed and this has had a big negative financial impact on me. This should be a simple and easy process. It should not have been difficult to reverse one of those payments. I have been a stellar cardholder for years and never missed a payment. 

In addition, I have continual fraud alerts with both Citibank cards I have. Every time I have to call to verify information, the process is inconsistent ( meaning they ask numerous questions that are different each time ) and it takes at least 30 minutes each time. The last time was this morning and they had to cancel my card. I told them that I don't want another one. Communication and hold/wait times are atrocious, as again, this should be a fairly simple process. I will not have a Citibank card again.
Consumer complaint received 2023-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

On XXXX XXXX I noticed there were XXXX charges on our checking account that I had not done. They were done on days when I was in Colorado and done during times my husband was at work or had just gotten home from work. He works in XXXX, CA which is XXXX miles away from where the transactions were done. All of the transactions were done with his card. 
XX/XX/2023 {$82.00} XXXX XXXX XXXX, CA XX/XX/2023 {$120.00} XXXX XXXX XXXX, CA XX/XX/2023 {$120.00} XXXX XXXX XXXX, CA XX/XX/2023 {$100.00} XXXX XXXX ; XXXXXXXX XXXX, CA After Citibank denied our first REG E claim, while I was on the phone with their customer service I found XXXX more fraud transactions. I found them on XXXX XXXX. These XXXX transactions were also done on my husbands card. He was at work when those transactions went through also. 
XX/XX/2023 {$120.00} XXXX XXXX XXXX, CA XXXX {$120.00} XXXX XXXX XXXX, CA XX/XX/2023 {$64.00} XXXX XXXX XXXX, CA I have my husband 's time cards to prove he was at work during XXXX of the XXXX transactions and I was out of state. Citibank is claiming that because his card number was used and his pin number that it must be us. I believe they have forgotten that thieves use card readers to steal that info and make their own cards. I would just like the money returned to by bank account.
Consumer complaint received 2023-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account immediately.
Consumer complaint received 2023-11-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC (PA)

I have been trying to make a payment on my mortgage but everytime I try to log onto my account it wont let me. Everytime Ive tried calling it tells me that there is no one to assist me due to the fact they cant get into anyones accounts. I have been trying for over a week now. I also just found out that there is a lawsuit for there system being hacked and wasnt informed led that my information maybe breached
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.