davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-26
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: Seterus, Inc. (FL)

I have made multiple attempts to get information on why the mortgage with this company is still reporting on my credit report. This debt was obtained in the name on myself and my ex-wife. Since then we had been divorced and the mortgage has been taken over by my wife. I had submitted a quit claim deed and was told by the services that I will no longer be obligated for the debt on my account as she assumed the loan. Every time that I call them since this transaction happened, they state that I am no longer on this loan when the loan number is provided to them. They state that they can't find me anywhere in their system by social security number or name. When I provide them with the full account number, I am told that this loan doesn't belong to me and that they can't provide me any information on this loan. I've also called the company directly with my ex-wife and my current loan officer and was told that they can't verify that I have any liability to this loan. I've stated that this is impossible because they are still reporting negatively to the credit bureaus and that improper handling of the payments on this loan that my wife has made has made it impossible to acquire new financing. They still can't provide any information on why it is reporting this way.
Consumer complaint received 2018-07-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (GA)

When I started XXXX School I was told the only way I could attend was to do it through private student loans. Federal loans were not even an option for me. The school office acted like it was so easy and that is the way most people get to go to school. I was never talked to about what I really was doing and about how I was going to pay it back. I believe the schools and student loan companies are in it together and all they care about is making money and nothing about the person that is taking on the loan. I picked a school that at first seemed like they were a great XXXX school but really all they wanted from me was my money. It was like they were trying to sell me a new car instead of help someone become a better member of society. Anyways my grandfather who is also my number one supporter signed away his life on my loans. In the end the school XXXX XXXX XXXX and failed me a semester away from graduating and said that maybe i was meant to be a stay at home mom instead of a nurse. After that my life went down hill and it continues to go down hill. My husband and I had to file for bankruptcy and now I have XXXX XXXX calling me multiple times a day and also calling and scaring the XXXX out of my elderly grandfather. They won't accept my payment of {$250.00} a month, they say thats not enough? They are rude when I speak with them on the phone and they are not wiling to help me out at all. I always thought a little bit of money would be better then none at all. I don't know what to do. I feel like there are no options. How can the world let this happen around us? These companies are just not only bullying students but they are bullying the cosigners as well. They need to be stopped! There needs to be more information given to students before they just sign a student loan. We need to get this under control.
Consumer complaint received 2018-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: U.S. BANCORP (PA)

XXXX months ago my credit card co. Sent my bill to an address that I never lived at by the time. I got the bill and sent it in it was late and i was charged slate fee.l called the customer service number and informed them of their error. ( XXXX ) XXXX. This month they are doing the same thing. I have tried to call customer service again to resolve this issue at ( XXXX ) XXXX but all I get are long stream of offers and at the end of them I get disconnected.
Consumer complaint received 2018-07-06
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. (NY)

In XX/XX/XXXX I went to the Mortgage broker to get pre-qualify to purchase a home. To my surprise I was denied. They said it was because of negative information on my credit report, which does not belong to me. I was confuse, after months of doing some in depth research with the help of some friends and family, It was clear that I was a victim of identity theft. I eventually went to ftc.gov and got instructions on how to dispute the negative information. I submitted my first id theft dispute along with detailed documentation as proof that I was a clear victim of Identity theft XX/XX/XXXX to Transunion. Transunion responded by deleting 1 of the 2 negative accounts that did not belong to me, they stated that after the investigation they have found that I was responsible for one the accounts which is XXXX XXXXXXXX XXXX. Thats it, no evidence or proof of their investigation.
Consumer complaint received 2018-06-26
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. (KS)

On transUnion File XXXX and date issued XX/XX/2018. 
The Names reported were XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. 
I am XXXX XXXX XXXX XXXX- I am NOT XXXX XXXX XXXX XXXX 

t The report shows telephone numbers that are wrong XXXX XXXX, XXXX XXXX XXXX the report shows the following wrong addresses.Addresses that are incorrect XXXX XXXX XXXX, XXXX, KS XXXX XXXX XXXX XXXX XXXX, XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX   KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.
Consumer complaint received 2018-07-06
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: Experian Information Solutions Inc. (MD)

I would like to file a formal complaint against Experian dba : XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX TN, XXXX ( XXXX ) XXXX, for illegal data sharing and providing unknown third parties companies access to my complete credit file. 

Although I had opted out of data sharing on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, without my knowledge or consent Experian provided a complete copy of my consumer report to a third party listed on the report as XXXX XXXX XXXXXXXX XXXX XXXX. 

On XX/XX/XXXX, I received a copy of consumer credit file number # XXXX, and noticed several unauthorized inquires on my file placed by XXXX XXXX XXXX XXXX XXXX 

I immediately contacted the credit bureau for an explanation. According to Experian even if the consumer opted out of data sharing they have the legal right under code ( 604 ) to share my data with XXXX XXXX XXXX XXXX XXXX, who obtained and forwarded copies of my consumer credit report on behalf of hundreds of medical providers. 

Experian could not or refused to disclose to the consumer what companies were provided copies of the consumer credit report personal data or contact information for XXXXXXXX XXXX XXXX XXXX XXXX. 

This action is a violation of privacy laws in addition, Experian had found a loop hole in the FCRA to blatantly distribute consumers data without their knowledge or consent. 

I want a full investigation into the egregious act and CFPB to enact or enforce laws that provides consumer protection from this abusive practice of data sharing without the consumer knowledge or consent and refusing to provided names of the companies or persons that now have my personal data in their possession.
Consumer complaint received 2018-06-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

I XXXX XXXX have been trying to modified with my Lender in which before it was with XXXX XXXX XXXX and then got transfer to Shellpoint Mortgage Servicing. I have been denied several times due to lack of financial income. I resubmitted again with new financials and still I got denied again but this time I was denied due to Value of my Property. Shellpoint is stating that I have value in my property and that information is incorrect. I received an NPV report in XX/XX/2018 and I send this information to XXXX a nonprofit organization and they advised me that this report is stating that I have Equity and that I am not delinquent. This information is not accurate. I do not have Equity, I owed more than what is valued and I am over {$100000.00} delinquent with my mortgage payments. Please read the NPV report and help my understand why Shellpoint is stating I have Equity and that is why I got denied plus it states I am not Delinquent. I very worried that I lose my home, I have made all attempts to save my home but I get denied and I have been placed in Foreclosure several times in which I had been forced to file Bankruptcy to protect my property. I am enclosing a copy of Shellpoint NPV Report, Shellpoint Exterior Appraisal, Mortgage Statement and my own Appraisal Report in which I had to pay to dispute that my home does not have Equity. Please need your help, I am seeking help to keep my home and that Shellpoint find a workout solution for me.
Consumer complaint received 2018-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SYNCHRONY FINANCIAL (LA)

I've tried applying for a XXXX credit card and other credit cards as well. they each say that someone else 's name comes up under my ssn. Not really sure how or when this happened. I also have problems checking my credit. Every site, XXXX XXXX for ex., will not allow me to see my credit score due to whatever 's going on with my ssn. If you can't help with this can you please point me in the right direction to fix this problem? Thanks.
Consumer complaint received 2016-09-26
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (CT)

PNC Bank is continually causing issues with my bank accounts. I had to close an account because they kept switching transactions around to cause my account to become overdrawn. I was told to watch my accounts closely so that I am not the XXXX causing overdrafts. Recently, before leaving home, my accounts ( Reserve and Spend ) XXXX had positive funds. I went out for the evening, realized that I needed to transfer funds from XXXX to spend to cover my activities of the evening. I made the transfer and again checked both accounts. XXXX accounts had a positive balance. When I woke up, XXXX accounts were overdrawn!!! This was confusing and angered me. Because of the bank messing up my account, I had a small check come through that they returned for NSF and then charged me an OD fee. It has been a down hill battle since Thursday XXXX XXXX. I have sent them XXXX complaints and all I am being told is they are looking into it. NOW they have XXXX of my accounts in the negative and when looking at the transactions, they have them completely in an order that will only benefit them to keep returning things and charging me OD fees. With online banking, they constantly change the order transactions occur so from hour to hour or day to day, the account never looks the same. They tell us to keep track and watch our accounts but that does n't help when THEY manipulate your account to benefit them!!
Consumer complaint received 2018-06-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am beyond disapointed by Bank of America they are nothing but liars and they have not helped me at all during this past month. A couple months ago I found out my account was closed, I called them and advised them that I currently wasnt working, but I would be soon be moving and getting settled with a new job and I would be able to settle my debts. I then asked the reprasentive the big question. Once my debts were settled would I be able to open a new account. The representative convinced me that if I paid off my balance, I would be able to open up a new account by the end of that week. So I pay the XXXX to make it right with my overdraft fee and the XXXX on my credit card with them. The week comes and goes and once I notice that the funds are out of my account I go back to the branch all I excited that things are comming along. I then get told that bank of america will never open an account with me again. Of course after that statement I was confused. Not only did the woman I spoke to earlier in the week say once I paid I could re open she never mentioned that my account also had supposebly a fradulent check that tried to be deposited. During that time of my life I was jobless and didnt have money comming in and Im not sure how it happned but my card was stolen. They told me to write a statement and my name would be removed from the XXXX XXXX   and XXXX XXXX. I also dared them to check out the survelliance for who ever diposted a check into my account because it was never me. It was theft. A month has came and gone and stilll no answers despite the fact I am constantly calling to make inquiries. I have no desire to ever have an bank account with tyrants ( BOA ). But the fact is I am a victim, I paid all my debts and still everyday I been getting nothing but the run around. If Bank of America is not willing to let me open another account, good riddance but dont mess with my livlihood, lie, give me the run around. Keep ur paid debts and give me back my XXXX name, Take my name off XXXX XXXX and XXXX so I can move on with my life, Bank of America is a self serving entity and I suggest you never choose them to be your home bank. 



-XXXX XXXX.
Consumer complaint received 2018-06-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Paypal Holdings, Inc (CA)

From XX/XX/XXXX- XX/XX/2018 I had noticed a few unauthorized transactions on one of my paypal accounts.Paypal claiming I made these transactions but with no verifiable proof of me doing so. I have tried a couple times getting in contact with them regarding these transactions and they still continue to deny recovering my funds. This is not even their money and they have no right to keep me from recovering these funds. 

Statue of limitations allowed me to file any and all unauthorized/fradulent transaction ( s ) up to a year from when it was first noticed. I had noticed it right away and because I have many other unauthorized transactions on other accounts from similar vendors I have either missed deadlines on some of my disputes but regardless have not been informed or even given a chance to defend myself. They have un-verified users having a field day with some of my accounts and this is simply not professional in any way. I want to have my disputes either re-opened if possible or I want to just have my funds recovered and sent back to me as soon as possible because Ive been struggling this whole year due to identity theft and someones gained access to multiple accounts of mine here on Paypal and outside Paypal and is now either making these purchases to send to themselves or find a way to steal my money. Paypal has successfully let this happen and I have been treated like a criminal at times when calling in and have been late on payments and when I had told Paypal of these issues and the issue of me, my daughter and my wife having no money at XXXX point and that I needed to recover my money, Paypal continued to wait and brush me off. My family and I didnt even have a meal to eat at times because Paypal decided in the wrong favor. Now I want the following transactions to please be noted and if still possible per the Statue of limitation, recovered and sent me via personal check. They are as follows : XX/XX/18 {$25.00} XX/XX/18 {$10.00} XX/XX/18 {$25.00} XX/XX/18 {$25.00} XX/XX/18 {$25.00} XX/XX/18 {$25.00} XX/XX/18 {$20.00} XX/XX/18 {$20.00} XX/XX/18 {$25.00} XX/XX/18 {$23.00} XX/XX/18 {$0.00} I was denied these claims and have no reason as to why?? These merchants have plaqued my life and have been a huge inconvenience to me at times. I have done nothing but try and work with Paypal regarding these claims and Paypal has done nothing but denied all my claims here and treat me like some sort of criminal here Please help here! 

Kind Regards, XXXX XXXX
Consumer complaint received 2018-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (FL)

My husband and I recently reviewed our credit reports and found in accurate reporting of Late Payments of our auto loan payments to Honda. The dates reported late are XX/XX/XXXX and XX/XX/XXXX. I contacted Honda and spoke to a representative in their accounts and billing department who informed me that the ( 2 ) late payments derived from an internal error. 

I am extremely upset that my husband my co-borrower and I have had our credit affected due to these errors caused by Honda Financial Services and within all honesty at our time of life the prospect of being bound to Honda Financial Services for a further couple of years worries me because this issue could have been avoided if better contact record keeping was applied. The whole issue not being able to contact us by phone is no excuse because I furnished our address and email address for notices such as this. 

I was not advised that Honda was not able to contact us by phone because of inacurrate contact information that was input into my personal information ( please see initial contract which states incorrect telephone number ). Although I now reside in XXXX my area code is still a XXXX XXXX XXXX which is simular to a XXXX area code of XXXX it was input into their system incorrectly by the representative that completed the contract and was never updated although it is requested as part of the verification process each and everytime I contact their office which I have done on numberous occassions due to my irregular travel patterns that take us outside of the USA I frequently pay over the amount of my monthly installments which is {$280.00} and in advance.
Consumer complaint received 2018-05-25
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: CITIBANK, N.A. (MN)

I requested credit limit increase on XX/XX/XXXX for my existing XXXX Citi Credit Card. 

On Citibank website there was a disclaimer, " It's easy to find out if you qualify for a credit limit increase. A credit bureau report will not be requested and you will receive an instant decision. '' I am including the screen print of their website for the reference. 

On XX/XX/XXXX, I received an alert from XXXX that, Citibank ran a credit inquiry on my credit report. I never authorize Citibank to run any credit inquiry, but it is reported on my credit report. Attaching that screen shot of XXXX page for reference. 

I dispute this inquiry with XXXX to remove unauthorized credit inquiry ( Dispute confirmation number : XXXX ) and they said, they can not do anything and asked me to contact Citibank directly. 

I contacted Citibank on XX/XX/XXXX and spoke with XXXX in customer service, She gave a reference number as XXXX. She said, she can escalate, but she wanted me to write a letter again to the bank. 

This is totally an unauthorized inquiry. Why should a common man like me need to chase behind the bank, when bank has done something illegal? 

There may be more people undergoing the similar issue without even knowing companies like Citibank run credit inquiry on their report without they authorizing. Common people suffer to fix their credit score for buying a house or getting a loan for their life. And here we are Victims due to business take advantage of common man. 

As per Fair Credit Reporting Act, When a creditor runs a credit check on an applicant without receiving authorization, they violated the Fair Credit Reporting Act. Congress enacted the FCRA in the XX/XX/XXXX to protect consumers from discrimination based on information in their credit profile. Each violation of the FCRA carries a penalty. 

I think these kind of misuse should be penalized and I would request CFPB to protect public.
Consumer complaint received 2018-06-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I called CAPITAL ONE Bank at XXXX ( XXXX ) XXXX XX/XX/18 at XXXX they say the can not do anything about it. 
And have tried solving the issue myself over the course of a couple weeks, I still finish myself unable to use external application with my bank account. This is my right to use as I see fit. I do not need barriers placed on my account. For about a year all my services worked and then suddenly it began to fail with connecting to capital one. App such as XXXX pay apps no longer function as intended. I dont not want to use capital one bank bill pay. I would like to have the option. I have apps such as earnin a payday app that requires to see my my banking transactions to see when Ive been paid, so it XXXX lend me money, and debit it when my payday arrives. I must call customer service every week and email them screenshots to continue using the application. THIS IS WRONG. My time and hours of the day I spend doing work arounds. If this is not fixed Im closing the account.
Consumer complaint received 2018-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (FL)

I had an issue with Shellpoint mortgage reporting the status and amount of a mortgage account which was incorrect in both the amount and the status, thanks to a compliance complaint that I filed with your agency previously my issue was partially resolved ( thank you very much ), but unfortunately the most important part of the reports accuracy remains unsolved, according to my agreement with them the account will be reported as closed and paid in full on all 3 credit bureaus ( see attached letter ), but unfortunately they are reporting as settled for less than the amount owed which adversely affects my credit, I need to request once again for your help to resolve this issue so I can move on with my life, if you have any questions please dont hesitate to contact me and once again thank you for your help.