davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fortren Funding LLC (NJ)

On the evening of XX/XX/2015 I made arrangements with the Sr. loan officer at Fortren Funding to supply a cashier 's check for the amount of XXXX to forward to a title agent in order to start my new escrow account. Since my old escrow account did not have the substantial amount of funds to satisfy my taxes, I supplied those sufficient amount of funds with that check since according to XXXX the Sr. loan officer and the closing agent, stated that I would be receiving a disbursement check in the amount of XXXX back from my old lender after washing my old escrow account and also would be skipping 2 monthly payments making this transaction costing me {$500.00} from OUT OF POCKET EXPENSES. 2 months later I discovered that a tax payment did not get paid in full to my township and I called XXXX and said he will look into it as adjustments were being made. I also offered to pay the taxes myself and the township said I should not have to if they were escrowed and why was only a partial payment made? I then contacted XXXX again, when we discovered that my car payment had increased and my credit score was destroyed after having outstanding credit and and increased mortgage payment of {$220.00} plus penalties and fees from my current lender causing me to become XXXX from trying to make up losses in which XXXX said to pay temporarily because THERE WAS A HUGE MISTAKE until adjustments start kicking in. A few days later he disconnected his phone and disappeared. I then contacted the management and I spoke to XXXX and he asked me a couple questions and then asked me if I received a disbursement check? I said yes. He stated " there you go..you spent it '' I said yes..He then asked why didn't I pay my taxes with that disbursement. I told him that was not the arrangements I made and furthermore the check was no longer useful to pay taxes in late XXXX when I received from my former lender and even contacted them for sufficient proof. He then told me that only my new lender can help me who ever they are because my loan got all screwed up ... and anyway I skipped 2 monthly payments ... At this time after enormous hardship after my cost of living has increased {$300.00} a month for 3 consecutive years and can not work, I lost my second home and now facing foreclosure on my primary residence and have to live my life as if I am XXXX years old on hospice and my credit history shows up as my Father 's old credit history from over 20 years ago and have an outstanding radiology bill that was transferred to my name as XXXX. I know I have already submitted 20 + complaints about this matter and I know it is a duplicate ... .but however I will stop this from happening to anyone else and will have to handle this on my own as it is now being conspired by other collector 's
Consumer complaint received 2018-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (NY)

I have accounts in Navient that are reporting incorrect data and nonpayment status. The accounts are being paid and almost zeroed out. I have asked that this matter be looked into as they are reporting outdated information to my consumer credit files in XXXX, XXXX  and XXXX affecting my scoring and limiting my ability to attain loans and/or other credit based services or products. 

I am current and have made all payments on time. I am a XXXX XXXX XXXX XXXX and do not have the time to be consistently battling these companies to update information which is their responsibility to do. 

I am asking for assistance in this matter from the CFPB
Consumer complaint received 2018-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (PA)

experian.com User account XXXX Can not cancel CreditManager account. Automated phone menu says I have no account, but I can log into it and they bill my XXXX XXXX each month. 

No way to reach a human.
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 — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have 2 accounts with Capital One. In XX/XX/2016 I notified Capital One that I was going through a financial hardship due to medical issues. I knew I would be late on my payment and I advised them of this. I was told that as long as payment wasn't 60 days late that they would ensure that my late payment would be forgiven. This hasn't occurred as I have this late payment still showing. I have reached out to them numerous times to assist with this issue and sent numerous letters to no avail. I only have late reporting for XX/XX/16 and was able to get back on track the following month. I was told this wouldn't affect adversely and that was a lie.
Consumer complaint received 2018-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX is reporting a fraudulent and negative account that doesn't belong to me. i have notified them numerous times, via mail, via phone and email and they have failed to rectify this urgent issue. they have failed responding within the allowable time frames for disputes like this and they are still not getting in trouble for these violations. they have failed numerous times and this is not the only time with us. my husband worked for XXXX XXXX XXXX and they laid him off with numerous other employees here in our town which made headlines. they had him leave work and didn't allow him to get his personal items.they advised they would mail them to him and never did. this was multiple years ago now and they failed to respond to that after numerous follow ups. they also continually charged my bank account monthly services charges even though we are on XXXX and those fees should be waived as well as receive multiple checks via direct deposit which also waives fees. they are ridiculous and have failed our accounts now multiples times as you can read in what i can fit here, i could go on with more details and documentation i have but there is no time or room for all that. now after multiple complaints they finally refunded our account {$75.00} for the fees they continually charged and shouldn't have but would do it for months for mew and had me call in and continues to worsen my XXXX health which they were also aware of and didn't care. they had the ability to make it right and didn't for months and made me be without, which they seem to like to do. they have violated so many things and i will bring a lawsuit next and class suit for all these multiple violations if they do not once and for all make this right and correct this matter at once and that is to remove the negative and fraudulent credit card account from records of mine as it doesn't belong to me and should have been handled properly years ago. this is out of hand and needs resolution now. im writing to the top of XXXX  XXXX XXXX and agencies that can and will help to resolve this once and for all. maybe it took being the safest city and becoming the headlined city with what has recently occurred in our town so near and close. maybe it was being evacuated and realizing we need to speak out about what is wrong and it needs to be made right and this is this matter. 

sincerely, XXXX XXXX
Consumer complaint received 2018-11-12
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. (TX)

Transunion is allowing two Fraudulent accounts listed in my Identity theft affidavit to be placed on my credit report knowing these accounts are fraudulent. I did not authorize these accounts to open in XX/XX/2015, Not only do the account credit limits appear incorrectly, Transunion has been notified that these are fraudulent and continue to allow the fraudulent accounts to appear on my credit reports. I did not open these accounts, I never received any credit cards from this institution. When the thief stole my wallet, they stole my social security card, Drivers License, and forwarded my mail. In addition the company has already been notified that I did not authorize these accounts. There are two XXXX XXXX XXXX XXXX accounts that Transunion knowingly allows. These accounts are fraudulent and are listed as such on my Identity theft affidavit which is a legal document I am attaching below again. I am requesting these accounts be blocked immediately as I never signed anything for this institution. Nor did I ever receive any information on these accounts. When I called the credit union, the agent advised me these had been opened at an address listed XXXX XXXX XXXX, and XXXX XXXX XXXX. Neither of these addresses are mine, nor did I ever live there. Since then the credit union, has verbally harassed me and threatened to show up at my door. These accounts are not mine these were opened as a result of Identity Theft, PER THE FCRA Law. I am reporting this crime to you, along with a Law Enforcement affidavit. Please block the Inquiries listed on the Affidavit along with these two XXXX XXXX accounts. The Credit limits per the agent were XXXX, and XXXX and you have them both listed as XXXX as well. So that is incorrect. The accounts are fraudulent too and they said Transunion knowingly allows fraudulent information on my credit report.
Consumer complaint received 2018-11-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (FL)

I was attempting to recieve a deposit to Navy Federal Credit Union located at XXXX XXXX XXXX XXXX XXXX Florida XXXX the deposit was from XXXX XXXX  and the deposit was initiated on XX/XX/2018. The day that the deposit was received by the bank I was emailed asking for additional monies when the deposit was already at the bank location. The monies was withdrawn on the XX/XX/2018 by the member of customer service who came from XXXX VA after noticing the deposit amount after calling the customer service line about if the deposit arrived. In other word the monies were stolen after the bank have in to this bullying, and now these monies are being used against me, things like threats of terrorism, and threats of violence. XXXX XXXX XXXX XXXX made a donation to me because they understand my situation with my parents and I am pretty much without any help from anyone. As I notice that after the monies was stolen. Even Navy Federal Credit Union on XXXX noticed the amount of the deposit and gave in to the theif who is now emailing me asking me for {$1200.00} when the monies were already deposited. Included is a copy of the deposit transfer sheet and a copy of what the theif wrote me saying there was something wrong with the deposit. The monies were stolen in person by this by XXXX XXXX XXXX at the Navy Federal Credit Union location on XXXX XXXX, and XXXX XXXX, some of the monies are stashed in XXXX savings account of XXXX XXXX with all the evidence and identification of the person who stole it she just went along with it, the person who was sued by XXXX XXXX XXXX XXXX as we speak there is a leave XXXX in a XXXX  XXXX XXXX also stolen off XXXX headed down XXXX XXXX towards XXXX, the monies was in cash which they were aware. All evidence supported with a follow-up reference from witness at Navy Federal Credit Union in XXXX XXXX.
Consumer complaint received 2018-11-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ORG GC GP BUYER, LLC (TX)

In XXXX, I applied for XXXX XXXX College taking out 2 loans {$4000.00} each. Graduated in XXXX. 
Attended XXXX XXXX Colleges for several years, no loans. 
XXXX consolidated with XXXX XXXX. Unemployed for several years, {$0.00}. balance, loan forgiveness through XXXX XXXX. XXXX, my tax refund is taken by dept of education. I request proof of debt, only partial information recieved to me. Dispute. Doesn't matter. Request documents, only partial was sent to me. My new balance reporting as around {$60000.00}. and has wrecked my credit report. Agree to reestablishing loan so I can change some of this and set up auto pay. Successfully paying for several months now but they still report me as no payment every month. I can't even qualify for a studio apartment in a questionable area because my credit shows a {$60000.00}. loan debt with current no repay.
Consumer complaint received 2018-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (CT)

This relates to an old account I had with the company. The account is fully paid ; as of today XX/XX/2018, the company owes me over {$300.00}. The company is holding on to my money and falsely, reporting to credit reporting agencies that I am delinquent. 

On XX/XX/2018, Hyundai reported to credit bureaus that I owe them {$920.00}. 
As of XX/XX/2018. They are no outstanding balances on my account. In fact, the companies owes me over {$300.00} which I am still waiting for.
Consumer complaint received 2018-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

You have the wrong address being reported to all 3 credit reportimg agencies. My only address is XXXX XXXX XXXX XXXX XXXX, FL XXXX. The XXXX XXXX address belongs to XXXX XXXX XXXX   Also as show of goodwill I would like all 4 late payments removed as payments are now being made on time. I would like to purchase a house and tgis is hurting my credit. Please remove all 4 late payments as follows : 30-59 days-XX/XX/XXXX and XX/XX/XXXX 60-89 days- XXXX and XX/XX/XXXX
Consumer complaint received 2019-02-28
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: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (MN)

Hi, Someone tried to open a line of credit in my name with Ace Cash Express and was denied. I did not try to open any new lines of credit. The person that tried to get the line of credit also changed who I'm employed with on my credit. That was according to the XXXX XXXX report that I ran. I have made a police report with the XXXX County Sheriffs Office and am waiting on the report to submit to Ace Cash Express. I would like the hard hit on my cred report removed being that I did not ask for my credit to be ran. 
Thanks, XXXX XXXX
Consumer complaint received 2018-11-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Santander Consumer USA Holdings Inc. (OH)

I cosigned on a car for my ex for a XXXX XXXX XXXX. He refinanced the loan as we had went our separate ways. On XX/XX/2017 a payment for {$18000.00} was paid. When the new financial institution called they got the payoff on XX/XX/2017 that was good through XX/XX/2017. The check was received by XXXX XXXX on XX/XX/2017. At the time my ex thought the loan had been completely paid off, since he had  asked for a payoff. When the new financial institution wrote the check to XXXX XXXX, they did not figure in the interest for that gap. I received a call on XX/XX/2017 stating the payment was late and would affect my credit score. A payment of {$300.00} is what was left on the account. I was told it was due on XX/XX/2017. I had previously called in to be sure the loan was in good standing before this, and I was  reassured it was. I have NEVER been late on a payment. When speaking with XXXX XXXX I pleaded with them on what I needed to do for this to not impact my credit score. I was told I would need to have the payment made today, as the reports are not sent until month end. I was told if it was taken care of within that week, I would not see a negative impact. I hung up the phone and called my ex and he made the payment that day. After he called, I called back in to confirm payment was showing in process and paid. I was told on the phone that I did not need to worry about it affecting my credit, that a note would be made on the account and it would be taken care of without a negative impact. They completely lied to me. My credit now shows a late payment when I did exactly what was asked of me and within the same day. I did not stretch it out or let it slide. I wrote XXXX XXXX a letter asking for a one time forgiveness and explained the situation, they would not grant it. The reasons why I was unaware about the loan was I had confirmation from him it had been paid off, which is why I did not realize there was a balance. XXXX XXXX stated that the other financial institution would have to write a letter stating their mess up, even though they know exactly what happened even though the loan was always timely and only with them for a year. I do not even know who the new financial institution is, as I am not on the loan. I would just really appreciate a one time courtesy from them as I was the cosigner and I would've taken care of it sooner had I been made aware. I feel that they waited to be able to penalize me and intentionally drop my credit score. For someone who always pays on time this extremely frustrating.
Consumer complaint received 2018-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

You have the wrong address being reported to all 3 credit reportimg agencies. My only address is XXXX XXXX XXXX XXXX XXXX, FL XXXX. The XXXX XXXX address belongs to XXXX XXXX XXXX   Also as show of goodwill I would like all 4 late payments removed as payments are now being made on time. I would like to purchase a house and tgis is hurting my credit. Please remove all 4 late payments as follows : 30-59 days-XX/XX/XXXX and XX/XX/XXXX 60-89 days- XXXX and XX/XX/XXXX
Consumer complaint received 2018-11-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (FL)

I was student at the XXXX XXXX XXXX. The school was closed for fraud by the FBI and I am under the term and conditions to remove my loans from the mentioned school. 
Currently I'm living in XXXX, Florida and I can continue my education because is not recognized by the college I'm trying to attend. The College name is XXXX XXXX XXXX and the new student personnel they explain me they can not accept any credit from the mentioned college and the only solution is start over again. 

I owe more than US18,000.00 in student loan and I'm frustrated because I have not graduate, I can't continue my education for the issue explained above. 

I hope you can bring me light to my case. 

Thank you
Consumer complaint received 2018-11-12
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: WELLS FARGO & COMPANY (MA)

I had a Wells Fargo credit card involved in the XXXX Wells Fargo account fraud scandal in which Wells Fargo sales representatives without consent of pre-approved customers created fraudulent charge accounts and collecting fees. Wells Fargo 's corrupt actions resulted in a multiple XXXX dollar law suit and settlement on thousands of accounts. I disputed on several occasions providing written complaints with wells Fargo in XXXX and XXXX. I explained that I was paying my account monthly through their electronic payment process which was suddenly stopped in XX/XX/XXXX. I contacted Wells Fargo and was advised that they had no record of my account. I never received any written, telephonic or electronic notification from Wells Fargo since that time. Upon review my recent credit report it revealed that Wells Fargo had closed my account, charged late fees, and charged off the account as a bad debt. I was never received any written notification or telephone calls from any collection agency regarding my account. As a result of their action my credit score was damaged. In XX/XX/XXXX, I again contacted Wells Fargo by telephone and was again advised that they had no record of my account and hung up. I would like the CFBP to look into this improper consumer behavior and assist me in resolving this matter.
Consumer complaint received 2018-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX  & XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX & XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy & child support is mine. In addition to child support they are also reporting XXXX XXXX/XXXX XXXX XXXX and XXXX XXXX XXXX XXXX invalidly I have no contract with these creditors, these accounts are unverified and not mine so are reporting invaliding as well.