davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RoundPoint Mortgage Servicing LLC (MN)

I had a mortgage with XXXXXXXX XXXX. They sold my mortgage to Roundpoint Mortgage. This resulted in my credit report tanking over XXXX points. Both credit bureaus say this is normal and my credit should bounce back in 3 months or so. I do not accept this. I did not authorize or ask for my mortgage to be sold. If XXXX wants to sell my mortgage that is fine, but these types of transactions should not affect my personal credit score. That score is used for insurance rates, loan rates, etc. I should not be penalized for transactions that are beyond my control. This complaint is about XXXX and XXXX and how credit is reported. A mortgage being sold should reflect that way so credit bureaus can properly report. I shouldn't have to pay a higher rate on a loan because my score was showing low due to something completely out of my control.
Consumer complaint received 2023-10-03
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. (FL)

I did not Authorize or benefit From the accounts shown on my credit report please delete and restore my credit to reflect XXXX XXXX XXXX thank you if not I would like to see all written agreements for each account and how the process was verified with each outlined account shown backed by law.
Consumer complaint received 2023-10-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: AppFolio, Inc. (WA)

I am writing to address a matter of utmost urgency regarding the payment processing system on the AppFolio portal. I have observed a concerning discrepancy in the fees applied to transactions conducted through the AppFolio platform. Specifically, the portal advertises a fee of 3.49 % for credit card transactions, while significantly lower flat fees apply to check or debit card payments through the same channel. However, when I attempted to utilize my debit card on the AppFolio portal, I was unjustly charged the incorrect amount of 3.49 %, resulting in a total charge of {$94.00}. This irregularity has been a source of significant inconvenience and financial strain. I have taken proactive steps to resolve this matter, initially engaging with AppFolio through the XXXX XXXX XXXX XXXX XXXX XXXX as it became apparent that direct consumer contact channels were not available. Regrettably, my attempts to find a resolution through this avenue have proven fruitless. Furthermore, I diligently communicated this issue to my property management company, XXXX XXXX XXXX  ( contact information : XXXX, located at XXXX XXXX XXXX XXXX XXXX, WA XXXX ). They have consistently assured me that this fee discrepancy is beyond their control, as it pertains to a third-party charge facilitated by AppFolio. Conversely, AppFolio, in their responses via the XXXX complaint system, has repeatedly directed me to contact my property manager. This continuous cycle of redirection has created significant frustration, as my property manager lacks the authority to influence or rectify these fees. As a concerned consumer who values fair and transparent financial transactions, I am earnestly requesting that AppFolio promptly assess fees in accordance with the rates advertised on their portal, thereby ensuring compliance with consumer protection acts. My primary objective remains the resolution of this situation, and I implore AppFolio to take immediate corrective action to restore fairness and transparency to their payment portal. I trust that this matter will receive the attention it warrants and will be addressed with the urgency it demands. Your swift response and resolution are eagerly anticipated. I am attaching photo proof that the amount they are attempting to charge is not correct. There is a photo of the fee explanations and a page showing the incorrect amount being assessed for my debit card. in their previous reply they mentioned that they have no record of collecting this amount from me. That is because I had to cancel that payment and pay by check. That is not the correct resolution. The correct resolution is to access the proper fee in accordance with the law.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I've contacted XXXX, XXXX, in regard to incorrect fraudulent information that they're reporting to my credit profile. Both companies have not responded to my request of removing this fraudulent information. 

Acount # XXXX Creditor is ( XXXX ) ACCT # XXXX Creditor is ( XXXX XXXX )
Consumer complaint received 2023-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MD)

Mohela has been unable to provide an accurate student loan payment history for my federal direct loans, and has been unable to provide an accurate refund of payments made during the COVID19 forbearance period. The refunds provided have been processed with no financial calculation data or payment history data to justify the amounts refunded. They have provided no accounting records to justify the actions that they have taken, the amounts they have provided as a refund, or a history of transactions for my account. 

Per my bank statements, I have made payments of {$18000.00} during the course of the forbearance period between XX/XX/XXXX and XX/XX/XXXX, I initially requested an account history and refund of payments on XXXX XXXX XXXX and have called monthly to check on the status of my requests. 

I have received a total of {$4900.00} of refund payments from the Department of Education over 5 separate checks as of XXXX XX/XX/XXXX. 

There has been no account statement or documentation from Mohela to accompany these checks or justify the amount or refund. When I called Mohela to verify the payment amounts, they stated they had no other records of my payments and considered the refund request complete. I have no documentation from Mohela verifying that I have made a refund request. I have no statements from Mohela at all. the online portal only says that " Due to the status of your account, limited information may be available on our website. '' This company is committing fraud and negligence at a national scale.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (AL)

I've had XXXX XXXX for about 2 years +/- Previously I had XXXX. 
I had XXXX XXXX in Florida until XX/XX/2024 I then changed my address with XXXX in XX/XX/2024. 
Same Car, Same Person ( me ) same insurance policy, Same driver 's license. 
the only change made was updating my address to my new Alabama residence. 
When XXXX sent me the " new '' policy, They showed me as having 3 " at fault '' accidents. 
They received the information from LexisNexis. 
My old policy with XXXX showed the correct information as all " not at fault '' accidents. ( XXXX XXXX before the change of address ) I sent XXXX a letter that was sent to me from XXXX showing all such accidents as reported by LexisNexis as " at fault '', were " not at fault '' 2 of such " at fault '' accidents occurred when I was hit by another vehicle, while my automobile was legally stopped, such as stopped at a red light. 
My insurance is very high now. My credit score has been damaged. 
Nobody is working with me ( XXXX or LexisNexis ) what's worse, is I have no idea what else LexisNexis may have on my report. 
I'm afraid to apply for my XXXX XXXX XXXX in Alabama, I'm in the process of buying a new home. 
I'm not sure as of yet the extent of damage that LexisNexis has falsely created. 
I have the documents from XXXX who was my insurer at the time I supposedly had " at fault '' accidents. They identify me as NO Fault. I have " good drivers '' on my driver 's license. I've not had a ticket or at-fault accident in over 16+ years. 
I sent my Driver 's license to Lexis Nexis, my SS #, and the " no-fault '' letter from XXXX. I sent in the " no Fault '' to XXXX. 
Nothing has changed, This is a huge burden on me. 
I'm elderly : XXXX, XXXX and I find this unacceptable. 
Thanks for looking into this matter. I'm at a loss as to where LexisNexis received this false information. About 2 years ago, I also reported probable Identity Theft to FBI, XXXXXXXX XXXX, etc.
Consumer complaint received 2023-10-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Credit is reporting to my credit bureau that I owe them {$840.00}. I do not recall having two accounts with XXXX XXXX. I am only aware of 1 account which was paid and closed. That reflects on my credit bureau and that was for {$300.00}. The collection company will not send any proof that it belongs to me. No signed contract or anything. I have had fraud done to me. This is why I currently have a fraud alert active. I have disputed through the bureaus but the collection company keeps saying its valid but will not supply any proof. The credit bureaus do not ask for proof, which I feel like they should. To help the consumer. All they do is send the information to the collections. So how is that a dispute? They also added {$1.00} to the account to try to start over the process and statue of limitations. First they said it was {$840.00}. Then as of XX/XX/23 they new balance is {$840.00}. How can they just do that. That has to be illegal.
Consumer complaint received 2023-10-02
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. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America provides very poor services to my business accounts, and the manager at the local branch is incapable of guiding me in selling products, leading to a mistake. Bank of America refused to accept the mistake, so now I want a copy of all communication with that manager to take legal action. Also, I want a competent manager to talk about XXXX XXXX needs mov ing forward. With so many advertisements saying is the best bank for XXXX  business, I am sure must be someone.
Consumer complaint received 2023-10-03
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: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX, I filed a complaint with CFPB about Experian credit investigation practices. I have uploaded proof to you guys as well as Experian that the Debt was paid in full. On today XXXX XXXX, 2023 Experian has come back saying the company verified the debt and that I am still past due when I have provided Experian proof that the debt was paid and they still reporting inaccuracies on my report. Again I will provide proof here that the debt was paid in full on XX/XX/2023.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (CA)

Despite my persistent efforts, these concerns persist. Your firm 's response to my credit report dispute dismisses my request for verification as " frivolous '' or " irrelevant. '' If my initial request to verify these items, as outlined in my previous certified mail, is ignored, I'll escalate the issue by filing a complaint with the Federal Trade Commission. It's crucial for a reevaluation of the information to occur. I urge your firm to provide validation of the alleged items, particularly through documentation such as contracts, notes, or signatures. Without such evidence, the immediate removal of these disputed items from my credit report will be necessary.
Consumer complaint received 2023-10-03
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. (TN)

I am a victim of identity theft. I filed a police report and FTC report and submitted them to the credit agencies and disputed my file. The disputes are not being filed correctly and the paperwork is not being attached to the disputes correctly. And I ma not getting copies of the verification process per the FCRA. 

These are the accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-10-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The above Case # XXXX number is depriving me of inherent and indefeasible rights, privileges, and immunities secured by the federal and state constitutions. 
According to a recent Supreme Court ruling, child support has been declared unconstitutional under Article 3, Section 1. In light of this ruling, I firmly believe that all prior child support orders and associated arrears should be vacated, I contacted the agency and no response, this has affected my way of living, been placed on my credit profile and according to the FCRA section 607 ( a ) requires that consumer reporting companies, among other things, must require that prospective users of consumer reports certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. 15 U.S.C. 1681e ( a ). 13. 15 U.S.C
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (WV)

In accordance to the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ROBINHOOD MARKETS INC. (TX)

On XX/XX/XXXX, I made a payment for my XXXX XXXX card using an ACH using my robinhood checking/brokerage account. 

On XX/XX/XXXX, the payment posted in robinhood as a ACH XXXX XXXX XXXXXXXX XXXX. 

Robinhood declined the transaction ( even though I had enough money to cover the payment ) and FROZE my account. 

The payment in robinhood now says : State Failed Account Frozen The transfer could not be completed because your account is currently restricted, frozen, or temporarily closed.

I need to pay my bills and pay my rent!
Consumer complaint received 2023-10-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (PA)

My card was recently compromised and a charge made by XXXX that I did not authorize. Upon researching this charge I found another recurring charge going back quite some time that I can not even research for XXXX a month from XXXX which I can not even find out who they are. 
I disputed the charges I was allowed to with my bank given that I did not make them and cant even identify the XXXX company. They have declined to return my money. Furthermore the XXXX  is a recurring charge, and Truist saw fit to give them my new debit card number so that they could continue siphoning money from my account. 
As a result of Truist sharing my card number this charge has once again shown on my account after I reported this very company as fraudulently charging me. They told me they could not stop the charge when it was pending and that I must fight to get my money back for their mistake once it posts on my account. 

How is it legal for Truist to simply say that because my card has been compromised once in the past that they will never back me again? This is essentially what the denial paperwork says. And what is the remedy for the absolutely disgusting fact that access to my account was given to a company Truist was already made aware was scamming me?
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upgrade, Inc. (MD)

In accordance with the Credit Recording Act, Upgrade ( a creditor and financial institution ) and XXXX XXXX XXXX XXXX has violated my rights. Under 15 U.S.C. 1681 section 602, states I have the right to privacy. Under 15 U.S.C. 1681 section 604a section 2, also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 U.S.C. 1666b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

My information was leak on XX/XX/2023 after I lost my phone. I thought the identity theft only apply XXXX XXXX and XXXX XXXX XXXXXXXX only but now I realized they apply for XXXX credit card also on XX/XX/2023 which I already have in the passed well before XX/XX/2023!
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (MI)

NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Nelnet, I have asked because it is so important Nelnet. I am asking again like the the other 8 times since XX/XX/XXXX. PLEASE DELETE THE PAYMENT DEFERRED STATUS AND CLOSE OUT AND UPDATE TO PAID FOR XXXX. IT WAS DONE ALREADY FOR XXXX AND XXXX. 

XXXX XXXX Needs help please XXXX / Sent XXXX XXXX XXXX To : Nelnet, Nelnet Sun XXXX XX/XX/XXXX at XXXX XXXX  Hello, XX/XX/XXXX I have spoken with multiple members of your team at Nelnet, and Nelnet XXXX XXXX XXXX XXXX since XXXX, XXXX when I was approved. It has been shockingly obvious that no one has worked or shown interest in deleting the {$10000.00} form my credit debt active balance. 

This is the remaining portion that is showing on all of my credit reports as still active, and " not updated since XX/XX/XXXX. '' This has been a source of problems for me and causes me to have a deficiency in my credit report because someone at Nelnet does not take care of it. 

I have called and spoke with 9 different agents including managers and seasoned staff at XXXX XXXX XXXX and this group of loans are showing no updates/removal/deletion since XXXX XXXX EVEN THOUGH I WAS PROMISED YOU ALL WOULD HAVE IT REMOVED FORM MY CREDIT REPORT NO LATER THAN XXXX, XXXX. 

Good credit can not happen with this {$10000.00} still actively reporting as debt! Its essential that as a person with XXXX I have good credit to have transportation, and a place to live. 
Please reach out to me with information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX  XXXX XXXX Last four of Soc # XXXX
Consumer complaint received 2023-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc. (CA)

I wanted to remove PMI and requested to mortgage lender what was process. XX/XX/XXXX sent documents. XX/XX/XXXX requested an update. No response. XX/XX/XXXX sent another request for update. No resonse.
Consumer complaint received 2023-10-02
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I got the gift card and tried using it at different merchants in store and online. It is a {$50.00} Amex gift card. I tried using it on XXXX a few times but it didn't work. The totals of what I wanted ranged between {$43.00} and {$49.00} every time I tried. I then went to amex customer service and they said they I should trying inputing it as a credit card but that did work. I tried it in store with apple and the physical card and it didn't work. I tried it on other apps to see if I can get the money that way and it didn't work. When I went to check the balance of the card it still has {$50.00} on it. When I look at the transactions it just shows failed attempts with {$.00} being deduct but refunded after each transaction. Then the charges would eventually go away.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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