davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Consumer complaint received 2016-11-16
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (TX)

I have XXXX small business accounts with XXXX. On XXXX of the accounts I utilize PayPal as my merchant service account. I have experienced inconsistent issuance of credit of deposits on my XXXX account. For example : I transferred money from PayPal on XX/XX/2016 and it was updated as completed on XX/XX/2016 at XXXX. Several hours later and at the time of this email, I 've yet to get credited for the deposit by XXXX. My first concern is that the deposit is being used by one or both of the institutions to skim money for themselves. My second concern, is that the money is intentionally held because I have pending auto transactions attached to the XXXX account. By with holding the deposit I will be assessed late fees for the insufficient balance when the auto transactions come due. The deposits are credited at different times and dates with no rhyme or reason. This leads me to think that XXXX is engaged in fraud. Along with the knowledge that XXXX has been assessed millions in fines for fraudulent banking practices recently by setting up bogus accounts and loans.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (MA)

On Friday at XXXX XXXX., I called XXXX 's customer service to initiate a dispute regarding this bankruptcy. I was informed that XXXX had previously conducted an investigation and that the bankruptcy was verified, and would therefore remain on my credit report. However, I never received any formal verification letter, only a verbal notification indicating that the bankruptcy would stay on my report. 

During the call, the representative informed me that she could not record the conversation, although XXXX could do so. She also stated that the verification of the bankruptcy was conducted through the court. I immediately explained that I have an official letter from the court ( XXXX XXXX XXXX XXXX XXXXXXXX ) stating that the court does not share information with third parties such as credit agencies. I requested to speak with a supervisor, who initially refused to initiate a new dispute, which I consider to be fraudulent and harmful. 

Eventually, after my insistence, the supervisor did initiate the dispute, although I was not provided with clear details on how the verification process would proceed. 

I believe that XXXX  actions are fraudulent and damaging, as it has caused significant harm by keeping inaccurate information on my report without proper verification.
Consumer complaint received 2024-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (FL)

I sent citi a letter XX/XX/year>XXXX  instructing them to close this account and credit the {$99.00} yearly fee due to XXXX XXXX making cuts to the benefits on this account. They cashed my check but have not credited the {$99.00} yearly fee. I spent 2 hours moving all my auto payments to different accounts and Citi is still showing this account open with a {$99.00} balance
Consumer complaint received 2016-04-13
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (IL)

I attempted to obtain my free annual credit report from Equifax. I provided all of the essential information that Equifax requested. They replied that I would have to submit sensitive personal documents through the US Mail to them before they would further consider my request. First, if I have to spend money for postage that does n't sound like a free report to me. Additionally, a private company could give the same information that I gave and instantaneously receive back the same report without question. I then opened a dispute calmly stating that I would be contacting the FTC should they not comply. They responded back that I would either have to telephone or contact them by mail to obtain my free report. I even gave them additional time to complete my request before filing this complaint today, so they had a chance to make this right and knew that I might involve the FTC -- and they blew it off anyway. Why? Maybe because they think the rules do n't apply to them. Trying to obtain something that is supposed to free online with no strings attached should n't include an ordinary citizen having to jump through bureaucratic hoops just because they 're not a big company. I 'm glad I fought back even though they may retaliate against me because it 's time to stand up for our legal rights.
Consumer complaint received 2016-11-17
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Made a payment of XXXX on XXXX to Bank of America, then immediately deleted it and processed a payment for XXXX. The system took the deletion and only showed XXXX payment for XXXX. I checked my account and both payments went through, I called spoke to agent XXXX oper ID XXXX and manager XXXX XXXX ID XXXX on XXXX, explained what had happened. They refused to refund me my XXXX as they stated it would put me over my limit. I informed them why did n't they just decline the charge that was accidently put on by my son while on his honeymoon. He give them the Bk of America card but meant to use a different card. They approved the charge, but wont give me my money back for the payment of XXXX that was supposed to be deleted by their system.I told them I do not have the funds in my checking acct and need it for my husbands upcoming XXXX as he has XXXX. His XXXX is scheduled for XXXX and I can send documentation. I need my XXXX back and it was their system fault not mine that it did not delete the payment, but instead processed both the XXXX & XXXX. Like I said their system indicated that it was canceled. This happened to me last month when I made a on line payment of XXXX & received a confirmation # .I followed up on that payment & called when I saw that it did not post. The agent advised that they had system issues that day & I would need to resubmit my payment. I told her I had a confirmation # but she said that does n't help. So I made another payment for XXXX as I did not want my account to reflect that I did not make my payment. Lo & behold both payments were processed. I called again to no avail ... So that 's twice their payment system has messed up and hurt me financially.. Please help me get my money back, I 'm desperate and broke & will start getting return payments in my checking account. 
Thank you!
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CT)

I am writing to report an unauthorized account on my credit report, indicating potential identity theft. I have filed a police report and taken steps to protect myself. I have also attached copies of relevant documents, including my credit report highlighting the fraudulent account, as well as any other supporting evidence.
Consumer complaint received 2017-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (NY)

Nelnet has been my loan servicer for XXXX groups of Stafford loans that I took out between XX/XX/XXXX-XX/XX/XXXX to pay for medical school. I began paying on my loans XX/XX/XXXX on an income-based repayment plan, because I was counseled by Nelnet that my loans qualified for the public service loan forgiveness ( PSLF ) program and I work in the nonprofit sector of XXXX. I diligently made my payments for six years, renewed my IBR annually, and checked in with Nelnet 1-2x a year to ensure everything was on track. This year, after making 6.5years of payments, I submitted my paperwork to the federal goverment PSLF and was denied on the basis that my loans were not " Direct '' loans as Nelnet had claimed them to be. When I called Nelnet I was told, " The government must have made a mistake, your loans should be eligible. '' When I asked them to look further or talk to a supervisor, they realized that " For six years we had been telling you the wrong information, your loans do not qualify. '' The representative also said, " If you do n't like the answer that you get when you call Nelnet, you should call back and speak to someone else. There are many people here that will say anything to get you off the phone. '' Nelnet made an egregious mistake that will cost me hundred of thousands of dollars. Instead of having my loans resolved in the next 3-4 years ( PSLF requires 10 years of payments/employment ), I am at least 10 years away from having my loans qualify for the PSLF. I am a highly educated, motivated and pro-active person who is feeling the strains of student debt, and I can not imagine how many others that Nelnet has wrongfully counseled regarding incorrect eligibility for PSLF.
Consumer complaint received 2016-12-08
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

A year ago XX/XX/2016 the car was in crash was totaled. The car place in impound by choice cause the body shops would n't take the car. My grand son did n't get ticketed and the car was n't impounded. This was told to Toyota financial and Toyota guaranteed auto protection claim dept # GAP XXXX to payoff the car. However, all Toyota did give permission without me knowing to XXXX XXXX XXXX the impound to buy the car themselves from Toyota as total loss vehical. As of XX/XX/2016 the Toyota GAP has n't payoff the car. I contacted them as usual they give me round around that the recovery department has to apply for the claim. They transfer me to recovery transfer me customer service and they did n't know why I was transfer to them. I do n't know what do about it at this point. Also the car had recall do to " Accelration '' malfunction and that was accident as well they wont do anything about that either and they do n't answer the letters either. I bought this car joint with my grand son XXXX XXXX.
Consumer complaint received 2016-11-16
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: First Associates Loan Servicing LLC (LA)

I was forced into a loan situation using Peaks Loans instead of the XXXX loans i wanted to use while attending XXXX. I would like to get out of these loans but i can not get a loan to consolidate the payments at a lower rate than the 11 % i am being charged now. This company has alos reported that my loans were past due at times that they were n't and would randomly report that i was 90 days past due and then the next month state that i was current. This would bounce around like this for a while and i could not get anyone to discuss with me about the amounts and why they were the way they were.
Consumer complaint received 2016-11-17
Product: Other financial service — Check cashing
Issue: Fraud or scam — 
Company: Harpeth Financial Services, LLC (TN)

I was not sure whether " lost or stolen check '' or " fraud or scam '' better fits my situation. I wrote a check for a man who was supposed to provide services for myself and a client. Before I gave the check to the man, my client informed him ( not yet me ) that the project was cancelled and that we no longer needed his services. At the time, no work had begun at all, and none has ever been done, at all. He and I had already scheduled a time to meet for me to hand over the materials to start the job and the check for the project. When we met, he lied and said the project was still " on '' and I handed over all of the materials and the check. Minutes after I handed him the check, the client told me the project was cancelled and that she needed to make sure he was n't prepaid for it ( and that she had already told him this ). I immediately told him that I needed the check back, that the project was cancelled and that I was aware that he was notified of the cancellation before he accepted the payment. I told him there would be a Stop Payment on the check. He would not respond to my texts and phone calls and went immediately to a check cashing store to cash the check that he knew had a stop payment on it. Flat Out Fraud. The check cashing store cashes the check and pays the man. Days later, when the check cashing store tries to deposit that check into their account, it is returned because of the Stop Payment. They first try for several days to contact the man, but of course, he is a criminal. He is not going to do the honest thing, answer them, and right his wrong. After he does not answer them or respond in any way, the check cashing store calls me to " collect a debt ". They call multiple times a day to pressure me to pay them back what they paid to him. I do not have a debt to them. I did not go into their store and take money from them. The man did. I confronted the man about this and told him that I needed the money that he took from the check cashing store. After first trying to deflect and change the subject, he apologized several times and said that he would " get me my money back ''. However, he never has, and has continued to ignore calls from the check cashing store. The check cashing store now harasses me everyday to pay them. I do not believe I should have to. I did not defraud anyone and have never even done business with their establishment at all.
Consumer complaint received 2017-01-25
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Consumer Portfolio Services, Inc. (IA)

My car was totalled in an accident back in XX/XX/2016. After the insurance company and GAP company paid off their parts. Consumer Portfolio Services contacted me stating I still owed aproximately {$110.00} due to late fees. As of XX/XX/2016 I received a call from CPS at XXXX, outside the normal times debt collectors are able to call. 

I could sue them for violation of the calling rules.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.
Consumer complaint received 2024-08-29
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I sent in multiple metro 2 compliance letters and they continue to ignore them and also act like they dont know its me and send me a stall letters, I need them to stop and make necessary changes, Ive sent letters to Experian XXXX XXXX XXXX and XXXX XXXX but the complaint will only let me upload one letter but they all got a letter like the attached letter
Consumer complaint received 2017-03-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (FL)

The lender failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ).
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have not open no account with this company and they have not give no money or no product but they keep calling me and now on my credit report I have not done bussiness with them at all and my name is XXXX XXXX they have the wrong name on this as well this is the name of the company XXXX XXXX Account owner Individual Account Date reported XX/XX/year> Account status XXXX XXXX XXXX XXXX XXXX amount owed {$2400.00} Original creditor XXXX XXXX  XXXX XXXX Date assigned XX/XX/year> Agency XXXX XXXX Status date XX/XX/year> Delinquency Date of last payment Balance owed {$2700.00} Comments Consumer Disputes This Account Information Consumer Disputes Reinvestigation In Progress Balance date XX/XX/year>
Consumer complaint received 2016-11-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX XXXX claims I owed them money after I returned my leased vehicle 13 months early. I dispute I owe XXXX XXXX any money because of overcharges. XXXX XXXX agreed to adjust the amount owed and I paid the amount in full the following month. I still dispute I owe XXXX any money. XXXX ( XXXX ) agreed to have my credit scores fixed after paying off the adjusted amount. I paid the disputed amount so my credit scores would be fixed and I could refinance my home loan. My credit scores are still inaccurate because of XXXX XXXX not send the correct information to the credit companies.
Consumer complaint received 2016-04-13
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: EMBRACE HOME LOANS (LA)

I want to file a Mortgage Fraud Claim Against Embrace Home Loans. Embrace Home Loans has refused to correct my XXXX from XX/XX/XXXX through XX/XX/XXXX. Embrace Home Loans has not sent me a monthly loan statement since XXXX XXXX. My mortgage has been transferred to XXXX different offices in the past 5 years, XXXX of them Mortgage Loan Servicing companies, XXXX was XXXX XXXX in XXXX XXXX, Virginia and the XXXX XXXX is XXXX XXXX XXXX XXXX XXXX in XXXX, North Carolina. XXXX XXXX Loans is trying to take my equity of approximately {$11000.00} to {$12000.00} and foreclose on my home. XXXX XXXX XXXX XXXX XXXX has sent me e-mails and letters stating they would review the proof of payments for my balance being so delinquent. XXXX XXXX transferred a balance of {$120000.00} due for XXXX XXXX and based on the most recent letter dated XXXX XXXX, XXXX received from XXXX my XXXX payments of Mortgage Principal, Interest and Escrow payments for XX/XX/XXXX and XX/XX/XXXX have been applied to that balance that is fraudulent. I have no monthly loan statements from XXXX XXXX and neither XXXX XXXX to know what my money was applied to. The recording says I owe for XXXX XXXX and has no balance as of today XXXX XXXX, XXXX. Where do I send my payment for XXXX XXXX which I will overnight on Friday Morning XXXX XXXX, XXXX. Please see attached files. I want my mortgage principal, interest and escrow accounts brought current. I want corrected XXXX from XX/XX/XXXX through XX/XX/XXXX. Please see attached files for supporting documentation.
Consumer complaint received 2016-08-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Immediate Credit Recovery (TX)

to keep it short I have been sending payment pre seeing it via XXXX to my loans still they 've started garnishing wages - I need - stating I have n't been sending payment I had a plan of XXXX, which I was n't able to meet because I a single income household the payments I have been sending are more than the XXXX from the plan that was set up that I did n't meet. when I call to talk to someone about my loan their systems are down and I have to wait long period to get someone and then I am transferred constantly I do n't know what to do - I ca n't meet my obligations of rent, utilities and food even less now that 15 % of my wages are being garnished