davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-08
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I questioned a delinquent account I saw on my Trans Union credit report. My understanding was that the company XXXX XXXX XXXX was paid off with my Bankruptcy discharge in XXXX. The car was totaled and my car insurance company paid XXXX XXXX XXXX the value of the car. 
When I inquired into the delinquent account the investigation showed that I owed a {$2000.00}. balance with XXXX XXXX XXXX. Although this was a delinquent account from more than 8 years ago, Trans Union reported it as a NEW delinquent account and it dropped my FICO score in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This severe drop occurred in 1 month and I did nothing in that time to drop my score- all bills were paid on time and I had no new delinquent accounts. This XXXX point drop devastated my chances of getting a good rate on a car loan, apartment or anything that I was was building my credit for 8 years. I have been responsible and building my credit since XXXX  and I disputed the delinquent account was 8 years old, but it was newly added to my credit history and should not affect my current score. I asked to speak to someone at Trans Union and tried to dispute it but have been unsuccessful. My car insurance renewal premium increased because of my lower credit score. Because of the current high interest rates, I'm looking for options to reduce a high interest credit card, but my credit score is still a problem. 
I am requesting that the credit reporting companies treat this as a delinquent account from 8 years ago and that I have built my credit since then. I am asking that they look at my credit history since XXXX to increase my credit score to allow me to qualify for the loans at a more fair rate based on my recent credit responsibility.
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NC)

The credit bureau 's are reporting a Chapt XXXX dismissed bankruptcy and I have been informed by the courts that they DO NOT verify a bankruptcy. This means that they pulled that information from a third-party reporting agency, therefore, it must be deleted.
Consumer complaint received 2018-11-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Data Corporation (AL)

While making a return at XXXX, I was declined saying that I had " check ( s ) on file. '' I had to call XXXX XXXX XXXX at XXXX. I tried calling the number, but it was automated & could not get a person. It referred me to a website because I did not have a decline number. I could not get a decline number on the website and it was of no help. I XXXX the company and it is come sort of scam! People have had this problem with XXXX, XXXX XXXX, and XXXX ( who writes a check to XXXX? ). The people have gotten the run-around, additional charges added, etc. Unfortunately, I entered my routing number, account number, and driver 's license number on the website, though this scam was attached to my driver 's license number when entered at XXXX. I have called my bank and they have no record of me writing a check, but put a note on my account about this company. I have submitted reports to the XXXX XXXX XXXX and to the State Attorney General. I have faxed XXXX XXXX and asked for someone to contact me. Nothing yet. Says it could take 30 days for them to respond!
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Both XXXX XXXX XXXX and XXXX is showing late payments on my credit report. I had paid off my XXXX account in exchange to remove the late payments and they are still there. Additionally, I contacted XXXX and they promised to remove the late payments as well because I am paying on time. Please correct the late payments on both of these accounts. Lastly, There is an inquiry that needs to removed as I did not authorize it.
Consumer complaint received 2023-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (TX)

Dear CFPB, Today I contacted Wells Fargo Bank again, and the call lasted for 50 minutes. They informed me that they have processed the following XXXX transactions and provided claim IDs : XXXX XXXX XXXX XXXX However, the issue is that when I asked whether I need to pay these pending claims next month, they kept transferring me to different departments without providing an answer. Finally, they told me that these claims are still waiting for me to provide documentation! 

I have already mentioned that I reported each claim to the bank over the phone, providing all the specific information based on the questions they asked. Yet, they refuse to process them and continue delaying intentionally. They claim that I havent provided the information, but how is it possible when I already have the claim IDs? It is clear that this bank is taking money without taking action! 

I hope the authorities will step in to supervise and address the disgraceful behavior of this unscrupulous bank! 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-08
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: General Motors Financial Company, Inc. (FL)

I received a call threatening me to pay {$13000.00} on a vehicle that I purchased in XXXX. They said I should have continued to pay insurance. They threatened me that I would be served within the next hour. They also said the old credit will be added back to my credit report destroying my current credit score. They had all my credit cards limit and all public record information This message is intended for XXXX call us pertaining to case number my name is XXXX XXXX the county XXXX  division this call is notification that attempts will be made issue certified legal documents requiring your signature if you will not be available to sign or if any changes need to be made to the time date or address of service or for more details you must contact issuing firm ______ handling your case their contact number is XXXX and reference your case number failing to contact the issuing firm may result in a failure to appear to be issued in your name this is a very time sensitive matter you have been notified
Consumer complaint received 2018-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

I have Opened citi checking account on XX/XX/2018 with a deposit of {$15000.00}. 
And I have kept the funds for more than 60 days and its been more than 90 days since i opened account and did not get the promotional bonus they promised
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. I need the following addresses removed from my credit report they are not mine : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX FL XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX
Consumer complaint received 2018-11-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (FL)

I have been consistently paying on my student loan from XXXX XXXX for several years. I have applied for numerous teacher forgiveness programs [ Title One School, Income Driven, and all the other ones offered to me ], only to find out that for one reason or another, I did not qualify ; however, one of the programs required a copy of my income tax return. Although I did not qualify for that specific loan, I was told that my payment would not be increased [ very strange since I file jointly with my husband, and now my payment was increasing ]. When I asked about the increase, I was told they miscalculated my loan... how could this be, since I had been paying the same amount for years? I specifically asked is the increase was due to my submitting my joint income tax return? Athough they denied it, I can not think of any other reason why they would all of a sudden increase my payment after several years. I am paying 1/3 of my salary and can not afford the increase. I email them every month stating that I am not able to include the increase as my husband is retired and on a fixed income, to which they suggest I again apply for one of their Teacher Forgiveness Loans. I am almost XXXX years old and do not plan on working another 10 years. If I continue to make my monthly [ the lower rate that I've been making ], I will be XXXX years old when the loan is paid off ... but it will never be paid off because I am already $ XXXXbehind from the increased amount. I NEED HELP! What can I do?
Consumer complaint received 2023-07-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Guild Holdings Company (CA)

When my ( XXXX ) son died, the XXXX paid out his life insurance to his beneficiary ; me. I took 98 % of that money and bought this home ; the amount that I paid out was the cost of the home. But, I still had to pay : fees etc. so, I took out a small loan. Right after my son died, XXXX started, then I lost my XXXX benefits ( just got that back XX/XX/2023 ) then had to close down my small business. I applied for the Care Act Deferral Program through my mortgage company. That ended in XX/XX/2023. Since XXXX I have tried getting ahold of the person who has my loan file. At the end of XXXX I finally heard from her. They are trying to raise my monthly payment amount claiming taxes went up, but when I spoke to my local tax department, my mortgage company has never paid my taxes. They are over charging on interest and will end up getting x4 the amount at the end of my loan. They are saying that I have to pay all past payments, fees, etc in one lump sum in order to not be foreclosed on, yet under the terms of my federally funded loan, they are not supposed to do that and they are also not to charge any late fees etc if I was apart of the deferral program and I was. When calling their customer service line they are mean and play games like telling me the specific person who holds my file there doesnt work there and never has. I can keep going but I think this is long enough.
Consumer complaint received 2023-07-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: U.S. BANCORP (NV)

Prior CFPB case XXXX In follow up to the bank 's prior response. I do not understand why they reported the account 30 days past due for XX/XX/2023, after I satisfied the XX/XX/2023 payment due when I brought the account current with a payment on my XX/XX/2023 call. I realize they indicated that they sent me statements, however, in the same call mentioned above I repeatedly did ask the agent and they confirmed I was good, and the next payment was not due until XX/XX/2023. The information that they confirmed when I called was misleading which resulted in the past due status of the account.
Consumer complaint received 2017-10-01
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 — Investigation took more than 30 days
Company: AES/PHEAA (CA)

In XXXX XXXX, I reported to XXXX, XXXX, and XXXX, that information on my credit report is incorrect. Date of first delinquency being reported by American Education Service ( AES ) is incorrect. They were even falsely reporting payments that were never made. This was a loan obtained in XXXX which is now a XXXX XXXX old account still being reflected on my credit report. It is being reported that last activity was XXXX when in fact no activity has been made XXXX years beyond that.
Consumer complaint received 2018-11-26
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: EdFinancial Services (CA)

A student loan was took out using my information. I have tried to get information from the creditor, however they can not validate this account Because its not under my SSN. I was deployed when this happened and the credit bureaus still have not updated my credit report. I have provided XXXX and XXXX  documents ( police report and FTC report ) to support my claim an they have yet to update my report.
Consumer complaint received 2023-07-08
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. (MS)

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 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  has violated my rights. Or list of inquiries 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 2018-11-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (WI)

I just refinanced my student loans and XXXX is my brand new loan servicer for my loan. I sent in a check to make an extra payment on XX/XX/18. I wrote in the memo area the " note id '' number from my statement. I wrote " ID : XXXX '' because I figured there are lots of different numbers on the statement, and I wanted to be clear that was the note id number so it would get processed correctly. 

On Tuesday XX/XX/18, I saw that my check for {$1200.00} had cleared the bank but it was not applied to my student loan balance. On Friday XX/XX/18, my student loan balance still hadn't gone down. I called and spoke to a customer service rep who said payments are processed at XXXX XXXX  and it takes two business days to post to the account. We did the math, Tuesday, Wednesday, XXXXXXXX XXXX, Friday, and the customer service person said it should be posted by XXXX XXXX Friday. 

Today is Tuesday XX/XX/18 and my student loan balance still hasn't changed. I called XXXX and two phone calls and lots of back and forth they were able to figure out that they had misapplied my payment to the wrong account. They said it was because I had put the note id number on my check instead of the account number. I pointed out I was not given any specific instructions about what to put on the check, so I used the number I had from my statement which was the note id number. And I labeled it " ID '' to be clear that it was the note id number. 

The customer service supervisor I spoke with said that my payment was applied to an account number that is the same as my note id number. He said this error happens sometimes. I am concerned that their payment processing system is insufficient because it is designed in a way that leads to errors. 

First of all, they should be able to process a payment that is flagged using any one of the numbers they assign to customers, which from a customer 's perspective are pretty much indistinguishable from one another. Second, since they use multiple different numbers, they should distinguish these numbers from one another in a way that prevents this type of error. For instance, if the account number is separated by dashes and ends in two zeros, whereas the note id number starts with the first letter of the last name, or whatever. Their system should be capable of identifying the numbers they create and design and apply payments correctly to the correct accounts. 

I'm concerned they are not handling payments professionally and responsibly. Their payment processing system has design flaws that inevitably result in errors. It is designed to fail. 

Furthermore, I was dissatisfied that I had to call back several times and do unnecessary follow up to try to track down my payment. The problem was not resolved quickly or efficiently.
Consumer complaint received 2023-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Your corporation has been requiring and demanding the unlawful use of Federal Reserve Notes also known as Floating Rate Notes ( debt notes ) as payment, when in fact, the submitted application used to open the account, with access and use of my personal and private financial information ( SSN, social security card, which is an open-ended credit card pursuant to 15 U.S.C. 1602 ( l ) along with my signature ) served as a financial asset, promissory note and security which in fact satisfies each monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well the application being self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT. Please provide proof that you did not receive an advance for the application as a security. Pursuant to 18 U.S.C. 8, all coupons, bills, certificates of indebtness, both public and private used for personal, family and household use are the obligation of the United States. This will also serve as Notice of breach of fiduciary duty ( U.C.C. 3-307 ). Following this notice if said financial assets are not either returned to the referenced creditor/bailor/beneficiary via mail within Fifteen ( 15 ) business days or accepted for its intended purpose within Fifteen ( 15 ) business days of the receipt of this notice, an SEC complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5. This asest will show with your SEC filings under unearned receivables. As well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement for breach of securities and securities fraud. Pursuant to U.C.C. 9-210, I am requesting a full audit of the account. Additionally, pursuant to Article 1 Section 10 Clause 1 of the United States Constitution, only gold and silver, being the only lawful money of the United States of America, can lawfully discharge a debt. The use of Federal Reserve Note is unlawful and can not. Furthermore, I have noticed that you have been redeeming the remittance coupons/instrument as a non-cash item ( 12 CFR 210.2 ( k ) / ( 12 CFR 229.2 ( u ) ( 4 ). Pursuant to 15 U.S Code 1691 ( C ) and you assume civil liability pursuant to 15 U.S Code 1691 ( K ). By use of coercion and fraud, your corporation knowingly and willingly violated my federally protected rights. Pursuant to the aforementioned codes, I demand all credits be returned on all remittances/coupons at the inception of the accounts. Balance will be XXXX out on a monthly basis via special deposit of the interest-bearing coupons associated on the itemization statement. This is your opportunity to cure as well as your notice of default for the servicing of my account. You meaning Capital One and any of its other agents, affiliates, subsidiaries, assignees, etc. may NOT contact me by any means other than written correspondence. Failure to comply will result in legal action.
Consumer complaint received 2023-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (TX)

Dear CFPB, Today I contacted Wells Fargo Bank again, and the call lasted for 50 minutes. They informed me that they have processed the following four transactions and provided claim IDs : XXXX XXXX XXXX XXXX However, the issue is that when I asked whether I need to pay these pending claims next month, they kept transferring me to different departments without providing an answer. Finally, they told me that these claims are still waiting for me to provide documentation! 

I have already mentioned that I reported each claim to the bank over the phone, providing all the specific information based on the questions they asked. Yet, they refuse to process them and continue delaying intentionally. They claim that I havent provided the information, but how is it possible when I already have the claim IDs? It is clear that this bank is taking money without taking action! 

I hope the authorities will step in to supervise and address the disgraceful behavior of this unscrupulous bank!